23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

To whom it may concern : This company has been adding interest on an account that is closed. They have added interest every month since XX/XX/XXXX when the account was closed. 
XX/XX/XXXX- {$44.00} XX/XX/XXXX- {$43.00} XX/XX/XXXX- {$43.00} XX/XX/XXXX- {$43.00} XX/XX/XXXX- {$41.00} XX/XX/XXXX- {$41.00} XX/XX/XXXX- {$41.00} XX/XX/XXXX- {$41.00} XX/XX/XXXX- {$41.00} XX/XX/XXXX- {$40.00} XX/XX/XXXX- {$40.00} Total= {$460.00} I called them when the account first was closed to see what to pay that was my only contact with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated try rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 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. Code 1681a- Definitions ; rules of construction - Exclusions. 
-Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, 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 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 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 reporting or other personal consumer reports

I noticed several hard inquiries on my credit report and I never authorized them. I was merely speaking to someone about interest in a vehicle and 14 Inquiries are now on my report. I contacted Trans Union to report this XX/XX/XXXX and they said to file a complaint and mail a copy of the complaint along with a letter describing which inquiries need to be removed. They are still applying for vehicles almost 2 months late, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  - Account Number : XXXX Account Name : XXXX  XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account XXXX XXXX XXXX Account Name XXXX XXXX XXXX  - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 


Account XXXX : XXXX Account XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested on several different occasion since XX/XX/XXXX to investigate the two bankruptcies that are appearing on my credit report and several student loans.I sent letters certified in XX/XX/XXXX and XX/XX/XXXX. I also sent regular mail letters with documents that were sent to me from the creditor themselves with information about my account. XXXX  is claiming they are investigating and or reinvestigating the issues but to no avail they have not supplied me any proof of any document filed on my behalf.

I have security freezes on my social security number because of the data breach that I was a victim of. XXXX   keeps giving me the run around stating that they have mailed me copies of my credit report when in fact I have not received a copy of my report since XX/XX/XXXX. I have tried to have a resolution to these things reporting negatively on my credit report but XXXX  refuses to supply with the name of the 3rd party they are getting information from.
Product: Credit reporting or other personal consumer reports

EQUIFAX has reinserted a previous deleted account which is in violation consumer rights under FCRA. EQUIFAX conducted investigation and deleted account but reinsertion where no new complaint from consumer has taken place. Congress has stated that FCRA is paramount to protecting consumer right to privacy and this reinsertion is a clear statutory violation which would include punitive damages where consumer rights have been blatantly violated f legal action is pursued. XXXX XXXX XXXX acct XXXX XXXX XXXX must be deleted as soon as possible to prevent additional financial damages.

Thus, this account reporting is in violation of my rights under FCRA 15 USC 6802. Consumer never gave consent for non-affiliated third party ( EQUIFAX ) to report consumer 's non public information. Thus, for this non public information to be appearing on consumer credit report must be the result of Identity Theft which is why consumer filed FTC Identity Theft Criminal Complaint XXXX XXXXXXXX ( FTC ID Report attached ) as proof from US Federal Trade Commission that all of the aforementioned consumer credit accounts. 

Equifax used more than the 30 days to conduct investigation under FCRA and reinsertion would be additional violation of consumer rights under FCRA.
Product: Credit reporting or other personal consumer reports

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report. 

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, XXXX have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, XXXX, and TransUnion data breaches, which makes me even more worried about how my personal information is being handled.
Product: Mortgage

I refinanced my mortgage with XXXX XXXX XXXX in XX/XX/2020. My loan was transferred to Dovenmuel and then XXXX within a couple months. In this transition, a payment i made through my bank ( XXXX ) of {$1700.00} went missing. I was told I was behind on my payments and would have to make another payment less it affect my credit. After spending many hours on the phone with the 3 banks who all denied having kept the payment, I asked my bank XXXX to help track it down. They gave me a temp refund XX/XX/XXXX. XXXX XXXX XXXX  took back this payment from my account. I'm not sure how to move forward. My XXXX  is slow with Covid and I fear foreclosing on my home. I have $ XXXX equity in this house and it is all my life savings. I am a single mom and have no money to hire a lawyer to go after this scam. Please help me!!
Product: Mortgage

When I first took out my mortgage I was married at the time and the loan was based on my husbands income of XXXX a year with him as the primary and me as secondary. We have been divorced since 2015 and he have me the house in the divorce and has also quick claim a deed and sent to mortgage company and court house. I only make XXXX a year and have asked many times for a loan modification and have been denied. My current mortgage is higher now then what it was before due to escrow. I am struggling financially and have XXXX children to support. I have been making my payments each month but in past I have fallen behind when between jobs. When I am late on a payment the company sends a letter stating they can help with a loan modification-Or type of assistance that would give me a few months to get financially better but deny me when I call. I need to make some home improvements and catch up on other debts. This mortgage company will not work with me and base my mortgage on my current income nor will they take my ex husbands name off of the mortgage. The mortgage company is Vanderbilt mortgage company
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent addresses that keep reporting on my consumer report please delete these addresses from my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

These public records were not reported t

o the Credit Bureaus as stated in the attached letters from the Federal Courts that housed the case ( s ) in question. I have sent NUMEROUS letters to the bureau
s requesting their removal with provided documentation.

Their refusal to remove with the evidence provided proves they are intentionally preventing me from having an accurate credit report. I request that this information be blocked and removed immediately.
Product: Debt collection

I have no recollection of this debt... I have disputed this debt before, because of identity theft back in XXXX. Now they are trying to garnish my checks at a job I have not worked in the last year due to injury. They have not been in contact with me
Product: Debt collection

This is my second complaint-My complaint continue against XXXX who uses a debt collection company name Diversified Consultnts. Diversified Consultnts have continue to show a balance of {$3100.00} on my credit report, after I have satisfied this account years ago. The account continue to show Open with a opening date of XX/XX/2019. I filed a complaint on XX/XX/2019, which included XXXX and XXXX, XXXX was removed from my account however, XXXX remain on my account. I have disputed this issue many time over and still the situation have not been resolved. I do not owe this debt and this predatory company should not continue to pull down my credit.
Product: Credit reporting or other personal consumer reports

Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified information on my credit reports that were not authorized. I'm a victim of Identity theft and this information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies provided my information without my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section it states a consumer reporting agency can not furnish a account without my written direction or instruction.

15 U.S.C 1681c ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items 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: Payday loan, title loan, or personal loan

Started a title loan Titlemax XXXX, TN All payments were made on or before time, had contacted them on XXXX asking them on the payoff ( {$2300.00} ) and requested that payment would be made XX/XX/2020 Representative responded that it would be ok and no late fees would be incurred, Received notice via mail postmarked XX/XX/2020 of payoff balance through XX/XX/2020 of {$2200.00}. 
Visited XXXX location directly after work to make payoff, Payment was refused and other charges were orally spoken to a sum well over {$2500.00}. There was no resolve in talking with in store representatives. An effort was made to talk with district managers, A call was received back from one of the district managers, but the resolve was the same as in store. payment was offered and still refused. All actions were made on XX/XX/2020 to fulfill the obligation as stated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX SS # XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX, Equifax, XXXX credit XXXX agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of ( bank ) XXXX XXXX with a balance {$940.00}, ( Collection ) XXXX XXXX XXXX with a balance {$170.00}, ( Loan ) XXXX XXXX XXXX  a balance of {$0.00}, ( bank XXXX XXXX XXXX bank with a balance of {$0.00}, ( bank XXXX XXXX XXXX bank XXXX with a balance {$0.00} ( loan ) XXXX with a late payment XX/XX/XXXX, ( XXXX ) XXXX XXXX services late payments XXXX, ( inquiry ) XXXX XXXX XXXX ( date ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( date ) XX/XX/XXXX. These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, XXXX. ) ( XXXX XXXX XXXX XXXX XXXX  customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process XXXXwas untair an & deceptive, as they didinot " comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

On XXXX I made one {$500.00} credit card load transaction to my American Express Serve account. On XXXX I saw that two {$500.00} charges from American Express Serve were charged to my credit card account. I called Serve and explained this to the customer rep but he said that only one {$500.00} transaction was done to my Serve account and to dispute the second charge with my credit card company. I did just that and received {$500.00} back to my credit card on XXXX. On XXXX Serve did a credit card load reversal on my American Express Serve account balance essentially taking {$500.00} from my Serve account. I called Serve and they told me that it was because my credit card company reversed the {$500.00} charge from XXXX. I again explained that Serve had charged my credit card twice for the same transaction. The customer rep stated that there was nothing else they could do. They were unwilling to escalate the matter. I contacted the dispute specialist who handled the credit card dispute for the credit card company and she said that they were not supposed to do that but were supposed to deal with the credit card company. She started the second claim on the second {$500.00} charge on XXXX since the original charge was " XXXX  out ''. Unfortunately I have been unable to get a resolution from my credit card company. They seem to be confused thinking the matter was settled when they gave me the first {$500.00} credit back to my credit card and closed the dispute in my favor. I am currently getting the runaround from my credit card company on trying to recoup my other {$500.00} that American Express Serve charged me. I am still out {$500.00} because American Express Serve wrongfully deducted {$500.00} from my Serve account balance because they didn't want to deal with my credit card company for the double charge they did on XXXX. In XXXX American Express Serve removed the ability to add funds to my Serve account effectively making my Serve account useless. I closed my Serve account on XXXX to avoid any fees because I was unable to do my direct deposit because they removed the add funds feature of my account. These actions are unacceptable and American Express Serve should do the right thing and refund my {$500.00} that they wrongfully took out of my Serve account because they didn't want to deal with the credit card company.
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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$5900.00}
Product: Mortgage

XX/XX/XXXX To : Select Portfolio Servicing , Inc . 

From : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Select Portfolio Servicing, Inc. Loan # XXXX Please be advised that I was approved for a XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, said loan having been owned by XXXX XXXX XXXX and serviced by XXXX XXXX XXXX XXXX then XXXX XXXX XXXX XXXX XXXX selling the loan to XXXX XXXX XXXX XXXX. XXXX and these servicers did not require windstorm coverage. Then, my loan was sold to XXXX on XX/XX/XXXX, and you, as the loan servicer, have claimed windstorm insurance coverage is required, I have spoken to XXXX in your servicer 's insurance department, and she indicated that this is an arbitrary requirement of their company. I have had mortgages on the subject property since XXXX, and I have NEVER been required to provide such coverage. 

As indicated, this is a Flex Modification Loan, approved with specific income and expense guidelines. Youre own insurance department has indicated that this is an arbitrary requirement, that the property is not located in a Windstorm Zone ( Outside of 10 miles of the XXXX XXXX XXXX, and that said coverage would pose an extreme financial hardship to me, I respectfully request that this arbitrary requirement be waived. 

Sincerely, XXXX XXXX XXXX cc : Consumer Financial Protection Bureau
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX LA XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX These addresses that's on my consumer report are non mailable residences please remove ASAP. 

Employer XXXX XXXX is not my employer and never have been please remove
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute several inaccurate entries on my credit report. Upon reviewing my credit report, I have identified the following inaccuracies and would like to have them investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which mandates the investigation of disputed information within 30 days. 





XXXX. Unauthorized Inquiry - Creditor Name : XXXXXXXX XXXX  - Date of Inquiry : XX/XX/year> - Requested Action : Remove the inquiry.
Product: Credit card

According to the Consumer Protection Federal Agency and the Department of Conciliation Services for Foreign Residents ( CARE ) there is a term of 5 working days to cancel a timeshare without penalization. I sent an email within the 5 days to have cancel with XXXX. This was done through a 3rd party. I have followed all suggestion since then and NO funds have been returned to me. A representative from the company spoke to me and an executive at CitiBank about the refund and was supposed to get back with us after the last conversation that was over a week ago and although CitiBank was unable to get back in touch with said company I am still held responsible for this bill although I have not been able to get any of the services that they promised without making additional payments even when the contract states that the service is a " free '' service.
Product: Credit reporting or other personal consumer reports

Please remove these unauthorized inquiries on my credit report. I will attach my FTC report with the folling