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

On XX/XX/XXXX I emailed my Mortgage Loss Mitigation advisor at XXXX XXXX XXXX, XXXX XXXX ( XXXX ) to verify that I had began making the trial payments for my Mortgage Modification that I was in the process of. 

On XX/XX/XXXX I spoke with XXXX of the Collections department, who confirmed that XXXX had been reporting me late every month for the last year even though I had been in a mortgage modification program and was not delinquent. XXXX advised that I would have to write a letter because there was no one that she could transfer me to. XXXX acknowledged that my XXXX payment, which is currently being reported as late, was due on XX/XX/XXXX and payment in full was received on XX/XX/XXXX ; yet XXXX XXXX XXXX reported me 90-days late for my XX/XX/XXXX payment. XXXX acknowledged that I should have had some special reporting on my credit bureau that showed that I had been working with Loss Mitigation for my mortgage from XX/XX/XXXX - XX/XX/XXXX therefore nothing negative should have been reported and I should have had notes put on my reports of the such. This did not happen. 

I met all the payment arrangement guidelines to warrant receiving a modification of my mortgage. I have not been over 30 days late on my agreed modified mortgage payments with XXXX since the agreement began but I am actively being reported as over 90-days delinquent of my mortgage payment every month for the last year and this is not right and it's inaccurate reporting.
Product: Money transfer, virtual currency, or money service

Paypal transaction id XXXX sent on XX/XX/2020. 

Above transaction should be friend-to-friend but was sent in mistake as " merchant '', we corrected immediately by refunding to the original sender. PayPal still charged " paypal fees '' and refused to refund.
Product: Credit card or prepaid card

On XX/XX/2022 my card from Chime was charfe 3 translations. My card was cloned and I called these companies who have no idea what the charges are and filed a dispute with Chime who is refusing to refund me trying to say these charges are valid.
Product: Credit reporting or other personal consumer reports

I want to file a complaint with the XXXX credit bureaus regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation of the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against EXPERIAN regarding the inaccurate information reported in my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XXXX XXXX of Credit Report, I discovered discrepancies in the following account ( s ) : Account Name : XXXX Account Number : XXXX Disputed Information : Inaccuracies, account number is reported as incomplete, high balance is reported differently in the credit agencies, date of last activity, last payment, and credit. 

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, EXPERIAN has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted on my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit card

I just received this credit card flyer from citibank, the last two times I applied for citibank credit cards, they were declined, I need to know if I still qualify for the citibank credit cards.
Product: Money transfer, virtual currency, or money service

My cash app got hacked and charged many different times and could do nothing about it they just shut my account down
Product: Consumer Loan

Sofi Lending reported that I applied for a loan, but all I did was check the possible rate, and the website said it would not affect my credit. Now, it 's showing on my XXXX report as an inquiry
Product: Credit card or prepaid card

On XX/XX/XXXX, i sent discover a Cease and Desist and I never received a response. i sent the letter via certified mail. Discover bank denied me of credit and told me on one hand it was because XXXX furnished something on my consumer report, and they also said on the other hand XXXX had no part in the denial of credit. its very confusing and misleading. Pursuant to 15 usc 1691b ( b ) a consumer can not be denied credit due to the primary purposes of personal family and household purposes ; these transactions are exempt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX hard inquiry this account was opened fraudulently this is not my account please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, XXXX  and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Bank account or service

This is a compliant against Chase. 
I deposited a check of $ XXXX written to me by my wife from her XXXX account on XXXX/XXXX/2016 into my Chase checking account and was given a deposit clip which indicates that the $ XXXX is on hold and " date when available '' is XXXX/XXXX/2016. 
On XXXX/XXXX/2016, I wrote a check of $ XXXX from checking account to deposit funds into my stock brokerage account. The check has been bounced back and I 'm charged by my stock broker due to checks being bounced back. 
I called Chase and talked to customer representative XXXX, who refused to disclose more ID information. He said the $ XXXX funds will not be available until XXXX/XXXX/2016 and Chase can not reimburse me on the charges I got hit with for checks bounced back. He also refused to look at any solutions to make the $ XXXX funds available to me, even enough the $ XXXX has been debited from my wife 's XXXX account.
Product: Debt collection

- Someone showed up at my door on Tuesday, XXXX/XXXX/19 late at night. They did not give me personally the summons. 
- Upon looking through the documentation the next day, I realized that the attorney representing a company known as XXXX XXXX was suing me in an amount less than {$800.00}. 
- I had ironically received XXXX checks from XXXX   due to the data breach of my information, which I will attach. My information was also compromised in the most recent XXXX breach. 
- I had sent XXXX  via XXXX XXXX letters back in XXXX, XXXX, XXXX, and XXXX of 2019. No letters were answered. 
- I never received anything from this attorney named NAME : Peroutka , Miller , Klima & Peters , P.A . 
ACCREDITED BUSINESS : NO CONTACT : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX PHONE : XXXX XXXX FAX : XXXX XXXX Website : XXXX I proceeded to fax and email to contact them, as I wanted it in writing. They did not respond for a couple days. When XXXX XXXX finally did respond, he stated he would not communicate in writing via email. He also stated on XXXX/XXXX/19 that they would send out validation. Today is XX/XX/XXXX19, and I have yet to receive this information for this alleged debt. There is a complaint filed with the BBB, and he admits that I " ... may not have received it yet. '' They are in the SAME CITXXXX. It takes one business day to get to me. My assumption is that they are waiting for the 15 days to defend myself with all of my proof that XXXX violated FCRPs law to respond to a DV letter - not once - XXXX times, they can default me for this alleged debt. 

Their response is they " record conversations. '' THEY might record them, but my understanding is that I can not ; hence, why I wanted everything in writing.
Product: Credit reporting

Although Equifax claims to have investigated an earlier request to block items from credit profile, I have yet to receive confirmation of blocked/removed items. The prevailing belief is that Equifax is not properly meeting its due diligent requirements. For instance, the organization is content to parrot " XXXX '' data or subcontract its due diligence to a third party vendor. Moreover, there is no supporting evidence-indicating possession of goods, services or money ( received by me ). Contrary to other credit reporting agencies ; i.e. XXXX, XXXX and XXXX, despite an abundance of evidentiary documents, Equifax has refused to block/remove select derogatory items and continues to report unsubstantiated data. 

Appropriate identity theft affidavits, police report and signed ( earlier notarized ) documents were properly executed and forwarded to your organization. Thus, the expectancy is this would allow completion of affirmative action ; i.e. block negative reporting items. More importantly, in an effort to clear self of an errant and unsubstantiated credit profile data, I seek CFPB assistance. 

Because Equifax has a systemic history of non-compliance and FCRA violations, I have little confidence in agency efforts. Thus, in preparing a formal judicial complaint, I seek ( and encourage ) appropriate corrective remedy to include removal of the following trade lines : XXXX THIS IS NOT MY ACCOUNT XXXX THIS IS NOT MY ACCOUNT XXXX THIS IS NOT MY ACCOUNT XXXX THIS IS NOT MY ACCOUNT XXXX THIS IS NOT MY ACCOUNT XXXX THIS IS NOT MY ACCOUNT
Product: Debt collection

Lvnv junk debt collectors claim I owe them but no validation has been made and no contract was implied or signed. Please remove this from my credit report please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$8.00} ; XXXX XXXXXXXX Balance : {$0.00}
Product: Credit card

I filed a complaint for their failure to file a writ of satisfaction and they began garnishing me again in retaliation.
Product: Mortgage

My Husband was the primary breadwinner. He was XXXX for the XXXX time XX/XX/XXXX. He died XX/XX/XXXX. By XX/XX/XXXX I realized I could not afford to keep the house and I listed the property with XXXX XXXX Properties for {$270000.00}. I had a full price offer within a day, but if fell through 2 days later. Shortly thereafter I had a XXXX offer in the {$260.00} 's. It also fell through quickly. XXXX XXXX made a bid of {$240000.00} XX/XX/XXXX but I needed to get {$260000.00} to break even. The {$260000.00} consisted of a XXXX and XXXX trust both the held by XXXX. Thereafter XXXX XXXX notified me on several occasions that we had received one or another verbal offer but none were above {$210000.00}. XX/XX/XXXX I asked XXXX XXXX to contact XXXX XXXX to see if she was still interested and might pursue the property as a short sale. I accepted her offer of {$240000.00} on XX/XX/XXXX subject to a short sale. I completed my short-sale paperwork and we submitted it through our short sale negotiator XXXX XXXX of XXXX & XXXX XXXX on XX/XX/XXXX. By XX/XX/XXXX could no longer continue making payments. During the ensuing 5 months XXXX " lost '' the paperwork and we resubmitted it several times. XX/XX/XXXX I was notified that XXXX had sold the XXXX Trust to " SLS '' while retaining the XXXX trust. I resubmitted my paperwork to SLS. SLS sent XXXX appraisers to the property. The XX/XX/XXXX appraisal I was told was $ XXXX and the XXXX appraisal was for either {$270000.00} or {$280000.00}. XXXX figure was given to XXXX XXXX 's office and another To XXXX XXXX. No copy of either appraisal was ever provided to myself, or to XXXX XXXX, or to XXXX XXXX. XXXX XXXX was informed that SLS would consider a dispute of the appraisal ( s ) and would respond with 5 days upon receipt. By this time my agent XXXX XXXX had announced his retirement effective XX/XX/XXXX and I hired XXXX XXXX of XXXX XXXX XXXX who put together a copious, highly detailed, XXXX with a value of {$230000.00}. It was submitted XX/XX/XXXX both by e-mail and by fax. Our 5-day appraisal dispute review period has come and gone with no response. In the meantime XXXX XXXX, my purchaser has withdrawn her offer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX # Transunion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Trafficking Block Request To Whom It May Concern I am a victim of XXXX XXXX. The information listed below, which appears on my credit report, is a result of that XXXX trafficking. 
Negative Items : XXXX  XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Please block this information from my credit report within 4 business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 
Sincerely, XXXX XXXX Enclosures : Proof of identity trafficking documentation
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX : XXXX XXXX # XXXX : XXXX XXXX XXXXXXXX, XXXX, XXXX : XXXX XXXX XXXX XXXXXXXX, XXXX :, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

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

USAA is trying to charge me a {$25.00} late fee for a credit card. My understanding is the maximum that can be charged is {$8.00}. 

I saw this late fee today when I logged into my account, which is XX/XX/year>.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

On XX/XX/, a payment was made at the Macy 's location in XXXX XXXX to pay the account in full. I received a receipt along with the cancelled check used, but the payment was not applied. I received a notification over a month later that the payment was not applied. I submitted another payment at the same location on XX/XX/ for the full amount again PLUS additional fees and interest. Again, I received a confirmation along with the cancelled check. But they did not apply the payment again. After speaking with the credit card issuer, I submitted yet another payment along with their guarantees the fees would be removed and the credit report information would be updated. However, no update to the credit report was made and it is still showing delinquent.
Product: Debt collection

I have asked all three credit bureaus to investigate these collection accounts that are on my credit report. I was just reading that the credit agency 's are in trouble for saying they completed real investigations into accounts, but it turns out that they didn't and are now getting sued. I was hoping you might be able to make them investigate these collections so I can have real closure. This has been an ongoing issue for the last XXXX Years of my life. 

XXXX XXXX XXXX, Original Balance {$3100.00}, Date Assigned XX/XX/XXXX, XXXX report last XXXX numbers in the account number are XXXX, XXXX last XXXX account numbers are XXXX, XXXX last XXXX numbers of account are XXXX. 

XXXX XXXX XXXX, Original Balance {$4900.00}, Date Assigned XX/XX/XXXX, last XXXX numbers in the account number are XXXX XXXX XXXX XXXX, Original Balance {$12000.00}, Date Assigned XX/XX/XXXX, last XXXX numbers account number is XXXX, Last XXXX numbers on my XXXX report are XXXX, First XXXX numbers on my XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters with no response requesting investigations and verifications of information on my credit report. This bureau has ignored my requests on the following occasions : Letters sent dated : XX/XX/2020, XX/XX/2020, XX/XX/2020, including a complaint warning letter dated XX/XX/2020. 

I have been more than generous with allowing the bureau more time than allowed by law to investigate and update my credit reports, but these incorrect accounts listed below have been negatively affecting my credit and I have had no luck in them doing what is right to fix this. The items listed below have been disputed with no response for over 6 months. This is ridiculous. 

1. Validate Account Chapter XXXX Bankruptcy Case Number : XXXX Please supply information on how you have verified this item. 

2. This Account was not 30 days late. 
XX/XX/XXXXXX/XX/XXXXAccount Number : XXXX Please supply information on how you have verified this item. 

3. This Account was not 30 days late. 
XXXX Account Number : XXXX Please supply information on how you have verified this item. 

4. This account was never 30 days late. 
XXXX Account Number : XXXX Please supply information on how you have verified this item. 

5. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

6. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item.

7. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item.
Product: Credit reporting or other personal consumer reports

This expungement was already granted, there should be no reason why this is still on my public record.
Product: Credit card

Barclay bank cancelled all my accounts w/ no reasoning. Now they have messed up my credit report. Now I am unable to get approved for other credit cards because on my credit report, I have entries that state " cancelled by grantor. '' This is not right because I did nothing wrong with them. I paid all my bills on time. They should have at least given me time to close the account myself so that it does n't negatively affect my credit. 

This feels arbitrary and discriminatory. There was no rhyme or reason given.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX Former : XXXX XXXX Former : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  Employers : XXXXXXXX XXXX XXXX Employers : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/year>