23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report CXXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US BKPT CT XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXXXXXX Balance : {$180.00} XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX U.S. Bankruptcy Court XXXX XXXX Bankruptcy XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and 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 the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$320.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$800.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$2400.00} XXXX  XXXX Balance Owed : {$58.00} XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XXXXXXXX Balance Owed : {$56.00} XXXX XXXXXXXX Balance Owed : {$240.00} XXXX XXXXXXXX Balance Owed : {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

My loan servicer is Wells Fargo on my FHA loan. They said that I do not qualify for the automatic partial claim because on XX/XX/2020 my loan was delinquent. On HUD 's website it says : " If borrowers were current or less than 30 days delinquent as of XX/XX/2020, they may be entitled to this option. '' As of XX/XX/2020 on my Mortgage Account Page it said next payment due XX/XX/2020 ... so by XX/XX/2020 my account was only 29 days delinquent. I know I can apply for a loan modification, but I do not feel I will qualify because I am a XXXX and XXXX XXXX with less income than normal. I can not afford to pay much higher payments either. I have owned my home for 20 years and if I can claim the partial claim and put it at the end of my term, then I will be able to remain in my home and make monthly payments on time from now until the loan matures. I am not asking for special a treatment, but I am asking to be treated fairly. 
Entire web page : www.hud.gov/coronavirus/homeowners >The page says : " In response to the COVID-19 national emergency, FHA permitted borrowers to enter into forbearance, a pause or reduction in their monthly mortgage for up to six months. Borrowers can request an additional six months if needed. 
FHA does not require lump sum repayment at the end of the forbearance, and has developed the COVID-19 Standalone Partial Claim to assist with repayment. If borrowers were current or less than 30 days delinquent as of XX/XX/2020, they may be entitled to this option. 

A partial claim is a zero interest, no fee, junior lien on the borrowers property that will become payable when the borrower sells their home, pays off their mortgage, or their mortgage otherwise terminates. If the borrower does not qualify for the COVID-19 Standalone Partial Claim, FHA offers other tools to help repay missed payments over time. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking for a car and decided to give this company a try online. I did not ask for this inquiry to be furninshed on me credit report and was not aware that it would actually be a hard inquiry. 

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 USC 1681. 
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 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: Mortgage

I have repeatedly requested the mortgage be released on a mortgage with Nationstar Mortgage that was paid off XXXX XXXX, 2015. Repeated requests have also been made by the title company and the owners ( XXXX and XXXX XXXX ) of the property.
Product: Credit card or prepaid card

I was shocked when I viewed my credit report and found a late payment on the date below : 30 days late XX/XX/2017 I am not sure how this happened. To my knowledge and understanding I made all my payments upon receipt of my statement.
Product: Debt collection

I was contacted by Rash Curtis & Associates about a debt owed to XXXX XXXX XXXX. I informed the person I was speaking to that the debt was paid. The representative of Rash Curtis refused to confact XXXX XXXX to confirm payment even though I provided them with the time and amount of payment. Instead Rash & Curtis threatened me by saying that they will report what they believe to be my lack of payment to credit reporting agencies. I continued to tell Rash & Curtis that the debt was paid when the invoice was received. 
I spoke to another employee of Rash after realizing that the first employee was not interested in helping me resolve the matter. The second employee of Rash was also rude and disrespectful. While I understand that they are dealing with people who have not paid bills, in this instance the bill was paid. 
They are terrible in terms of their treatment of people and are not looking to help find ways of resolving issues. They refused to confirm with the originator of the debt that the debt was paid. It was n't until I spoke to a manager that I found someone willing to help resolve the matter. I called the place where the debt originated and they confirmed payment. Weeks later I received notice that Rash was able to confirm payment of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account appeared on my Transunion report on XX/XX/XXXX. The account stated it was from XXXX XXXX XXXX for the amount of {$390.00}. The account creditor turned it over to an collection agency : XXXX XXXX XXXX. Address : XXXX XXXX XXXX, XXXX, Florida XXXX. I spoke with the Collection agency on the XXXX and the XXXX. They could not find any record of an account with my name or social security. I also spoke to XXXX and they said that they do not have an account with that type of number. So I do not believe it is from XXXX. I also reported this to Transunion. This is not the first time these types of accounts have been reported on my account with Transunion. I would like a full investigation in this matter. I am not satisfied with the way Transunion handles these issues. I can declare with 100 % assurance that the account is not mine. I have never had XXXX services if it is an account from them. I have only had XXXX XXXX Services. Also, I have not received any phone calls or or anything in the mail to state that I owe anything.
Product: Mortgage

First Mortgage Corporation advised me of transfer of loan per letter dated XXXX XXXX to XXXX XXXX XXXX. I was instructed to send XXXX/XXXX/2015 payment to XXXX XXXX. Once I contacted XXXX XXXX I was advised payment not due until XXXX/XXXX/2015 so authorization for semi-monthly ACH drafting was set up to begin XXXX/XXXX/2015 per confirmation letter from XXXX XXXX. I also sent XXXX XXXX a half payment in XX/XX/XXXX. First Mortgage advise no payment received per letter dated XXXX/XXXX/2015. On XXXX/XXXX/2015 I contacted First Mortgage & XXXX XXXX to resolve CONTRADICTING information I was advised XXXX XXXX was unable to transfer my funds they received in XX/XX/XXXX to First Mortgage instead they would have to refund to me then I could proceed with payment to First Mortgage once funds received.
Product: Mortgage

Mortgage company : Selene Finance loan number XXXX. I suffered severe financial hardship due to COVID 19. I am the care provider to my mother XXXX XXXX that is hospitalized due to XXXX and just had her XXXX XXXX My husband is XXXX XXXX. 

On XX/XX/XXXX I send an application for loan modification ; I call every other day and I am told it has not been received. I fax, email and mail documents and the mortgage company tells me when I call that my documents are not received. On XX/XX/XXXX I resubmitted requested paperwork for my application and I called and was again told not received. On XX/XX/XXXX I was asked to submit attached documents and I called XX/XX/XXXX for an update was told documents not received. Immediately resubmitted documents. I send requested documents to 2 departments given by Mortgage company XXXX and customer XXXX. 

My loan was transfer to Selene Finance and XX/XX/XXXX was paid I also trying to clear this pay net made with them because they are reporting XX/XX/XXXX as not paid.
Product: Mortgage

HELOC loan with a monthly payment of {$250.00} has maturity and Bank of America is wanting to convert to a 15 year payout with a monthly payment of XXXX, does not include my insurance or taxes. My fixed monthly income is {$1900.00}. I was offered a modification for 40 years payment XXXX which would be manageable. I was denied and now they want me to do a short sale or they will foreclose.
Product: Credit reporting or other personal consumer reports

Vehicle is in Bankruptcy and is to fall off one credit reporting agency XX/XX/XXXX and another XXXX XX/XX/XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

There was a numerous transactions made through Coinbase.com that would Flagg suspicious activity, and they aloud such transactions. 
All details, dates and any information is included on the attached letter. 
Thank you XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REVIEW MY FILE. I HAVE BEEN SENDING THIS COUPLE OF TIMES NOW AND YOU SAID TO SEND THIS COMPLAINT TO CFPB AND CREATE FTC.
Product: Checking or savings account

My account was debited {$140.00} on XX/XX/2022 with Chime Bank in 2 transactions as an atm withdrawal. I disputed this immediately as I was at work all day with my card in my purse. When I contacted Chime Bank and disputed the charges, they denied my claim. This is stealing from customers and very unfair.
Product: Checking or savings account

I have been a Citibank credit card customer for many years. Sometime in XXXX, Citibank had a promotion that it will pay {$1000.00} bonus for new checking account with deposit of {$75000.00} held in the checking account for XXXX or 90 days. 
As there is no citibank branch in XXXX XXXX XXXX I was asked to open a new account over the phone. I opened checking and a saving account in XXXX and funded {$75000.00} from my credit union using Citibank web portal. I have XXXX statement showing account balances. After 90 days or so, my online account access was blocked. When I called citibank, they said that my account was compromised and asked me to verify my account with their fraud department. I called and verified my account multiple times. My account is still blocked. At some point, they asked me to open a new checking and savings account and then transfer funds to new account. After jumping through lot of hoops and spending numerous hours over the phone, they opened new checking and savings accounts. With in few days, without any intimation, they closed the new accounts. 
On XXXX when I called, I was told that my checking and savings accounts are under closure process and within XXXX days, they will send return my funds via check in the mail. 
Its been almost 60 days, I have no communication via email or regular mail on account closure process. I called again yesterday, now they are saying that my account is still blocked and it may take somewhere XXXX days before I can get my funds. 
Here is my situations, I saved these funds all my life for my daughters college. She graduated highschool this year and I have no funds to pay for her college. Citibank does not provide any concrete answer on why my account was blocked and when I will get my funds back. Please help.
Product: Debt collection

NOTE : it is NOT a duplicate case, it is the 2nd case against the same collection agency. Please, don't discard this claim, the files attached to this claim are different from case number XXXX even though the content is the same the evidence is different. 

For years, I have been subjected to relentless harassment over a medical debt that is not my responsibility. I have always been covered by medical insurance, due to my XXXX XXXX XXXX XXXX  which necessitates lifelong medical protection. The issue arose when the medical service provider failed to submit the bill to my insurance within the required timeframe, leading to the payment responsibility unjustly falling on me. I have made numerous attempts to rectify this situation, proving that I am not liable for these payments, but my efforts have been futile so far. I believe that the provider 's negligence should not impact my interests, especially since I have always been diligent in paying for my medical insurance. In response to this issue, I decided to send a debt validation letter to the collection agency that acquired my debt. However, the 30 business days provided by the Fair Debt Collection Practices Act ( FDCPA ) for a response have elapsed, and to date, I have not received any communication from them
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have and have never had an account with XXXX. XXXX is now reporting this debt to XXXX XXXX. I do not own a home nor do I rent, and it is impossible for this bill to have been mine. Someone must have used my information. 

I am demanding that I be sent the original documentation that has the account information so that I may file a proper police report.

The account was opened XX/XX/2017. 
Company : XXXX XXXX : {$1400.00}
Product: Credit card or prepaid card

Trip to XXXX on XX/XX/XXXX, for the total cost of XXXX canceled by the airline. I was supposed to be refunded for the journey but haven't. I contacted cash app and haven't heard anything back. This is unacceptable ; this is the 3rd time I am rightfully entitled to a refund. The airline reported issuing a refund, but cash app hasn't returned my funds. The other two transactions happened on XX/XX/XXXX, and XX/XX/XXXX ; both were part of a payment plan for a product that was never received. Cash app refunded the transaction but later reverted the refund even after the company stated that I was entitled to a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have over 21 closed accounts that should have been removed after they were closed. I have made multiple phone calls trying to get this solved and no answer. That was the agreement. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

Since XX/XX/2020 I have been disputing a dismissed bankruptcy with NO replies from any of the bureaus! I have sent a dispute on XX/XX/2020 and again on XX/XX/2020 and still have had no responses. This bankruptcy is old and obsolete and no longer legally exists.
Product: Mortgage

My home was in foreclosure, I filed bankruptcy in early XX/XX/2017 and my home was saved. I was advised by my attorney to just pay {$990.00} to the Dtech mortgage company and I have been doing so since XX/XX/2017 when my bankruptcy cleared. Now Dtech is trying to XXXX me over again, they are stating I owe them {$2000.00}. because of my ESCROW account yet I have not received one single statement, one single bill, phone call, email, correspondence ( nothing ) at my home. My daughter created the account for me online and it shows the mailing address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX that is not my home address why are my statements and bills going there for my home. This has caused me yet major problems for now they say i owe {$2000.00} and i have tried calling to speak with someone to help me and nobody takes the time they just bounce me around from rep to rep. I will be hiring another attorney to assist me with this FRAUDULENT ACTION and decided to start by filing a complaint! I have record of everything
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account # XXXX : Account Name : XXXX  XXXX Account # XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account # XXXX In accordance with the Fair credit reporting Act The list of Accounts above has Violated my Federally protected consumer rights to privacy and confidentiality under U.S.C 1681! 5 U.S.C 1681 section 602 ( A ) States i have a right to Privacy 15 U.S.C 1681 section 604 ( A ) Section C it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 ( C ) ( A ) 5 States no consumer reporting agency may make any consumer report containing any of the following items of information any other then records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681 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

I REPEAT THAT THIS IS NOT A DUPLICATE COMPLAINT. On XX/XX/2022, I the consumer notified TransUnion through the CFPB portal of an account ( XXXX XXXX XXXX that was furnished fraudulently on my consumer report without the consent of the consumer or the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury pursuant to 15 USC 1681b ( a ) ( 1 ) under permissible purposes of consumer reports. The account read ( XXXX XXXX ). TransUnion failed to Investigate the first time and now during their re-investigation witch is a violation of the FCRA, pursuant to 15 USC 1681a ( e ) the term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific ( FACTUAL INFORMATION ) on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. TransUnion failed to Investigate both times according to federal law ( FCRA ), TransUnion haven't conducted personal interviews with my neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. TransUnion and XXXX XXXX are committing Fraud and Identity theft. I the consumer never got an update nor anything in writing from TransUnion stating HOW this INVESTIGATION WAS HANDLED ACCORDING TO FEDERAL LAW. The company ( XXXX XXXX ) that TransUnion furnished to my consumer report fraudulently. I demand the account be deleted Immediately or I will file for litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 USC 1681n and title 15 USC 1681o ) regarding the continued willful and negligent noncompliance. TransUnion WILL BE LIEABLE TO ME {$1000.00} EACH ACCURANCE. Respectfully, REP # XXXX
Product: Credit reporting or other personal consumer reports

UPON ME REVIEWING MY CREDIT REPORTS I SAW THESE NEGAITVE ITEMS
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX : Inquiry XXXX XXXX XXXX  XXXX : XXXX I applied for the wrong loans on accident.
Product: Credit reporting or other personal consumer reports

In Accordance with Fair Credit Reporting Act XXXX XXXX XXXX Has Violated my rights 15 U.S.C 1681 section 602 A. States I have the rights 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.