23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I signed and had notorized on XX/XX/18 loan modification papers from XXXX with new interest rate of 7.6 %, with monthly mortgage payments of {$990.00}, for 300 payments that became effective XX/XX/18 ; with signed and notorized agreement by XXXX XXXX from the company of XX/XX/18. I submitted an electronic payment of {$990.00} on XX/XX/18. I received notice that the loan had been sold to SN Servicing Corporation with payments to be sent to : SN Servicing Corporation, Payments, XXXX. XXXX XXXX, XXXX, TX XXXX. I submitted an electronic payment on XX/XX/18 of {$990.00} to that address. I would like assurance that the modification agreement I signed on XX/XX/18 is still in effect with no changes. In the notification letter from SN Servicing the address for questions is : SN Servicing Corporation, XXXX XXXX XXXX, XXXX, CA XXXX and the letter also stated the owner of the loan belongs to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, LA XXXX ; XXXX. I sent an original of this document on XX/XX/18 ; but it would not go through to the address of the owner of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called to update my email address so that I could log in to unfreeze my account as I am trying to buy a new vehicle ( it's called XXXX XXXX XXXX XXXX XXXX XXXX ). Transunion said it sent me a code to allow me to access the account, which never happened. 

I am now on my XXXX call to Transunion 's overseas call centers ... .if one expresses a modicum of disgust for the bad service, they hang up. 

I am unable to unfreeze my credit report so that I can continue financing a new automobile. 

This has become a XXXX little country where nothing works ... except the military industrial complex and XXXX politician XXXX who XXXX the government out to line their pockets ... ..the people are XXXX, have ya noticed?
Product: Credit reporting or other personal consumer reports

Tihs is my multiple compliants .... I am requesting for your assistance regarding with these wrong informations on my credit report. Under the provisions of the FCRA 15 USC Section 1681i, please reinvestigate and DELETE the listed ITEMS below. 

XXXX XXXX XXXX XXXXXXXX- this accoun was DELETED FROM the other bureau. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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  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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraudulent and must be removed! 

XXXX XXXX XXXX XXXX False Balance {$2200.00} Date XX/XX/XXXX XXXX XXXX XXXX False Balance {$950.00} Date XX/XX/XXXX XXXX XXXX XXXX False Balance {$0.00} Date XX/XX/XXXX XXXX XXXX XXXX False Balance {$57000.00} Date XX/XX/XXXX XXXX  False Balance {$160.00} Date XX/XX/XXXX XXXX XXXX False Balance
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. Im reaching out to request your help with a situation on my credit report that I believe involves some inaccuracies, specifically with a charge-off account reported by TransUnion and XXXX. These errors are affecting my credit score, and Id like to ensure that my report accurately reflects my account history. 

Here are the details of the account in question : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX I believe theres been an error in the reportingsome of the details listed arent correct based on my records, and its creating an incomplete and potentially misleading impression of my credit profile. 

I would be so grateful if you could look into this for me and help make sure my report is accurate. If it turns out that the information cant be verified, I would request its removal from my report. 

Thank you so much for your time and assistance with this. I look forward to hearing from you soon and am hopeful we can get this resolved promptly. 

Warm regards, XXXX
Product: Credit reporting or other personal consumer reports

I notified Experian of a problem with the information being furnished and how the furnisher was submitting false information and avoiding the system they have that verifies the account information a furnisher only on Experians platform can avoid charge off and other very easily detected violations on a consumer report by simply marking the account current/ paid this allows the furnished to increase the balance owed nonthly avoid the charge off time and the consumer becoming aware because it's marked current anf and no alerts if it's current experians and the companys. Response charge it off mark it80 days late then charged off now paying during a home equity loan application. I showed Experian the definition of a charged off account provided by Experian and how it's wrong and purposely done so on my account fhey said its fine let it continue. I showed them a flaw being used to harjm consumers on their platform and no action besides retaliation was done if they will not stop and fix their system how
Product: Credit card

XX/XX/year> I Requested a Lowes Credit Card. LoweXXXX issues Credit cards through Synchrony Bank and they denied the Credit Card, but did not give a reason. They said they would send a letter in 10 days explaining their denial. 
I had to unlock my XXXX Credit Score account just to apply. It will lock again on XX/XX/year>. On XX/XX/year> My XXXX credit score was XXXX. I called and asked why it was denied and they said they could not tell me and the letter might take as much as 30 days to get to me.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Checking or savings account

ON/BEFORE XX/XX/2020 I OPEN NEW SAVING/MONEY MARKET ACCOUNT WITH CHASE BANK, INCL. {$200.00} BONUS FOR NEW OPENING!! RECEIVED ATM CARD ENDING IN XXXX ON XX/XX/2020!! ON XX/XX/2020 FUNDED NEW CHASE ACCOUNT WITH XXXX FROM EXTERNAL BANK!! REJECTED!! ON XX/XX/2020, AMOUNT OF XXXX WAS REJECTED!! EX EXTERNAL BANK, ( XXXX  ) HAD SUFFICIENT AMOUNT AVAILABLE FOR TRANSFER BETWEEN CHASE & XXXX!! ON XX/XX/2020, CHASE BANK CLOSED MY ACCOUNT!! REASON FOR GIVING> WE COULD NOT IDENTIFY YOU!! AS OF TODAY, XX/XX/2020, MY ACCOUNT WITHOUT AUTHORIZATION IS CLOSED, INCL. 2 CREDIT CARD WITH CHASE BANKING!!
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX  # XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> 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: Debt collection

Westlake is attempting to collect debt from a car that was filed with bankruptcy from U.S. Auto Finance. I never signed a contract with westlake and now they have sent a tow truck to steal my car out of my property at XXXX XXXX  this morning. That is my only vehicle to take my XXXX XXXX XXXX XXXX to therapy and now I can't even take him to school. I tried to stop the guy I recorded him and I threatened to call the police he got scared he knew they are doing wrong and left fast. My lien holder is still showing U.S. AUTO on my title per DMV. I ALSO HAVE PROOF THEY ARE. U.S. Auto Finance and westlake are committing fraud. U.S Auto has breached my contract already by not upholding my warranty on my vehicle. This is very upsetting the emotional destress I have been through since XXXX XXXX this morning.
Product: Credit reporting or other personal consumer reports

This is my fourth attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
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
Product: Checking or savings account

Card stolen, bank refused to credit funds, then credited the funds, then stolen the funds and wired them to someone other than the account holder and anyone associated with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This is my second time writing the company ( s ) XXXX and Transunion to update my personal information. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses as following, XXXX XXXX XXXX XXXX, FLXXXX Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section I do not work at any of the places listed and should not be on my credit report. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

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

XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1800.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Bank of America put a hold on my paycheck of {$210.00} that I deposited on XX/XX/24. I have been depositing the same check for more than 3 months w/o a problem. They told me that they had to verify the check and also told me because my account has been overdrawn in the past. Because my account had been overdrawn, that's the reason that they should have honored the check in a timely fashion. The reason is because that shows that I needed the money now not a week from now. In other words, it is a time issue. Of course, I will want my money also a week from today. I am sure that they don't do this to people who have money in their accounts. In other words, they are affecting the same people that they should be helping. I needed the money to pay my office rent and the IRS today XX/XX/24.
Product: Credit reporting

I made a purchase at XXXX XXXX in late XXXX ( {$61.00} ) ; just received my statement with a XXXX XXXX due date and XXXX XXXX has submitted a negative report to the credit agency TransUnion for non-payment. Their site is down until XXXX/XXXX/15 ; no one answers the phone and I 'm cutting up the card and closing the account. I want the negative report off my credit summary. XXXX XXXX has a serious problem and they are hiding something from the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Dear TransUnion, Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue 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 Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law. 

When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you don't have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them.

You say that you have reinvestigated these accounts but you've admitted that all you have done Is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ..promptly DELETE all information which can not be verified. '' I request that you do this immediately. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand that you delete all of the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXXXXXX XXXXXXXX XXXX  Account Number : XXXX Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I bought XXXX LTC off of Coinbase which equaled {$440.00} USD, on XX/XX/XXXX I received an email saying that my transaction was canceled and if charged ( which I was ) the money would be redeposited into my bank account within 3-4 business days. It is now XX/XX/XXXX and nothing has happened, I tried to email Coinbase multiple times and never heard anything back from them other than what seemed to be an automatic response saying that I would hear back from them soon, which I have yet to.
Product: Credit reporting or other personal consumer reports

I have no connection to the mentioned creditors, and these inquiries were not made by me.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I request that the LVNV Funding LLC provides the contract directly outlining the transfer of my rights, titles, and interests from me to them. I have sent multiple information requests to the company regarding my rights, titles, and interests. If such a contract can not be produced, I kindly ask for the removal of this information from my credit report. Specifically, I am seeking clarification on the contract solely between the LVNV and me, where I am purportedly said to have signed over my rights, titles, and interests. I am not seeking debt validation ; rather, I am requesting a direct contract with the LVNV Funding LLC to engage in business together, specifically to transfer my rights, titles, and interests to them directly.
Product: Credit card

I have been having problems with my XXXX XXXX for about the last 6 months. After contacting Sears XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( which in the beginning was difficult to reach a person ) and after waiting for appointments and parts, the Technician determined that the refrigerator could not be repaired. He was a nice and older gentleman. After not hearing from them like he said they would, I called them back after a week. I finally spoke to the Rep, XXXX XXXX XXXX XXXX she was courteous and explained the options I had available to me and then get back with them ( see email ). She further advised me the option included same specs of my current refrigerator. However, upon further review it was Not correct. I have not been able to get her to call me, but I have sent several emails to try and clear up the confusion ( see emails/pictures included ). I called Customer Service several times, last time XX/XX/ and spoke with XXXX XXXX XXXX XXXX XXXX XXXX and explained my issues. He recommended I send another email and said his Support Team would be sending an email to the Rep too. She later responded by email that evening with the same response that I had to choose from the options given, which is not XXXX. No one has bothered to give me a courtesy call-in spite that I asked to speak with a manager. I feel they are forcing me to take less money. Pardon this analogy but, Sears is offering me the cost of a XXXX  for replacement of my XXXX
Product: Credit card or prepaid card

I disputed some transactions on my PNC Bank account. 

On a recorded phone call I was given the expectation that my account balance would be restored in two business days, this was on XX/XX/XXXX. 

On a second recorded call a few days later I was again given the expectation that my account balance would be restored in 3-4 business days, after the phone call I was locked out of my account this was XX/XX/XXXX. 

It is XX/XX/XXXX and my account balance has not been restored. PNC needs to be held accountable for the expectation that they set for me as the customer.
Product: Credit reporting or other personal consumer reports

ON MY CREDIT REPORT, THERE ARE STILL INACCURATE ACCOUNTS THAT I WANT REMOVED. PLEASE CHECK THE DOCUMENTS I'VE SENT REGARDING THIS MATTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX has violated my rights. 
XXXX XXXX account # XXXX has violated my rights. 
XXXX XXXX XXXX account # XXXX has violated my rights. 
XXXX XXXX XXXX account # XXXX has violated my rights. 
XXXX Bank account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity theft I have no idea where this account came from and it is not my account.