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

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being, I have the right under 15 USC 1681 Equifax is governed by 15 USC 1681 And they have violated my rights numerous times. I demand the accounts listed below be removed because According too 15 USC 1681 I have a right to privacy and I did give Equifax written permission to furnish these accounts. 

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

Good afternoon, I opened a Wise account so that I could use my money safely during my trip to the XXXX, where I am at this moment. 
I lost my Wise debit card yesterday around XXXX. After looking for it, I decided to report the lost of the card on wise.com. 
Everthing was fine with my balance up until I loggind into my Wise account to report the lost of my debit card. 
As soon as I logged in and start reporting the loss of my card I noticed that my account balance was below what it should have been. In less than 2 minutes, my balance dropped even more like someone was stolen my money. I found that to be very strange so opened my email to see if I had received any notifications related to fraudulent transactions, which showed me several notifications of new transactions which was happening on that exactly moment outside the XXXX. Including transactions in the XXXX, XXXX and XXXX. 
My account was definitely hacked and my money got unfortunatly stolen. 
I did report what happend to the Wise costumer service but they did not give me any reassurance that I would get my money back. 
What is so frustrated was the fact that their system could notice multiples transactions coming from multiples parts os the world but it did not blocked my account for safety purpose.
Product: Credit card

Attention lending team. I applied for XXXX XXXX XXXX XXXX  on XXXX and got denied, regardless of the reason for being denied I have the right to credit. Withholding my access to my securities is security fraud. You are violating the Equal Credit Opportunity Act and Consumer Credit Protection Act. 


Equal Credit Opportunity Act -Denying me access to my credit is discrimination
Product: Debt collection

I owed XXXX XXXX a {$3200.00} balance, in XXXX I negotiated with Diversified Adjustment Service, INC ( DASI ) the collection company for {$2100.00} to settle the debt. My bank XXXX   XXXX XXXX prepared the Bank Check and sent it to them with my Account # on it. Approx 3 weeks later, my credit union received the check back with the attached letter. The letter stated that they are no longer handling the account, send payments to " XXXX '' ... and listed the address. My bank did exactly that ( attached is the " new '' check and that same check after cashing ). After a few weeks I noticed that I received no notification that this was paid, so I called XXXX. I advised them that a check was sent to them, deposited, but my debt is still outstanding. They advised me that they never received a check!! As I stated, my account was for XXXX XXXX not XXXX. I advised them of the letter that they wrote to my bank, and that the check was cashed. They are stating to me that the check was sent back and the money put back into my bank account because the check was made out to XXXX, not XXXX. I then told them that " You are the company that told my bank to do that. '' and sent them the letter. I spoke to my banker she followed the direction of the letter, possibly thinking I made a mistake of the carrier 's name. I called my bank, the money was not deposited back into my account, the check was cashed and the money is gone. They attempted to have me pay them {$1500.00} now to settle. " I said no, you have {$2100.00} of my money, I'm not giving you more '' ... They said to me that they never received any check, and when I mentioned the letter again, they said " It could be  another Diversified '' ... I asked with the same account number? I apologize for the " ramble '' What I am attaching with this is the email from them stating that they will settle for {$2100.00}, the letter that they sent my bank along with the check for my XXXX account saying they are not handling the account, an email from my bank to me, a copy of the bank check before and after being deposited my DASI.. I hope something could be done, I would like to be able to find this money and get it back so I can talk to XXXX and take care of this. Diversified cashed that check and the money is somewhere. Please let me know what I can do to help .. Phone : XXXX email XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion has not provided evidence of an investigation, Violating the Fair Credit Reporting Act to conduct reasonable investigations of my credit profile/ report. Transunion has failed to remove unverified accounts. The CFPB has recently filed a lawsuit against Transunion for failure to comply with accurate credit reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX IS PASS STATUTE OF LIMITIATION SHOULD HAVE FELL OFF
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and identified several inaccuracies associated with my account. These inaccuracies are negatively impacting my creditworthiness. I understand that your process includes investigating such discrepancies to ensure accuracy. Below are the details I am requesting you to verify : XXXX : XXXX XXXX XXXX  - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX XXXX - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX XXXX IN - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX XXXXXXXX - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX XXXX XXXX - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX : XXXX - XXXX - This is completely inaccurate. - I believe this is reporting inaccurately - verify that this belongs to me. 

XXXX - XXXX - This is completely inaccurate. - I believe this is reporting inaccurately - verify that this belongs to me. 

XXXX - XXXX - This is completely inaccurate. - I believe this is reporting inaccurately - verify that this belongs to me. 

XXXX XXXX - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX XXXX - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX XXXXXXXX - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report TransUnion : XXXX XXXX - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX XXXXXXXX XXXX - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX XXXX - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX XXXX  - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX XXXX XXXX - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX XXXX XXXX - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report I appreciate your prompt attention to this matter and look forward to your investigation and resolution of these issues.
Product: Credit card or prepaid card

I was appointed fiduciary conservator for my mother who has XXXX. One of the requirements of this appointment was to close her credit card account. I met with Chase Bank at a local branch and provided them with a certified copy of the court documents and my power of attorney documents. These were forwarded to the Chase Bank legal department. I then contacted the Chase Credit Card Department and explained the situation and asked for the account to be closed. This was done and I remitted the outstanding balance via check. Several weeks later I observed my Mother using the credit card. I called Chase again to see what had happened. They said my Mother called them and asked to have the account reopened, which Chase did. I explained that I was Court appointed Fiduciary and the account was to have been closed permanently. Chase said they had no record of the document. They would close the account again but if my mother called in again they would reopen it. I explain that my Mother had no means to pay the bill when due because she had no money and no bank accounts. They then told me that the account was on autopay from a Wells Fargo account. I told them that that account had been closed and they would not get paid from it when due. The customer service rep and her supervisor did not care. They did not ask for a copy of the court documents. The supervisor actually said that if my Mother was sound of mind enough to call in then she must be fine with the credit card. Both individuals i spoke with were giving me advice on how to deal with my Mother and XXXX, which was unbelievable. I feel like Chase was fine with not getting paid so that the account would be charged with late fees and a high rate of interest. One reason the Court wanted this account closed was because my XXXX year old Mother was threatening to buy a plane ticket and leave the state. If this were to occur because of her access to a credit card this would be a huge problem and I would hold Chase Bank responsible. This phone conversation with Chase was on XXXX XXXX, 2017.
Product: Credit reporting or other personal consumer reports

Company or Organization : XXXX  XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$2400.00} Credit Card Opened by the XXXX XXXX or Organization : XXXX XXXX  Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$9900.00} Fraudulent Auto Loan or Lease Company or Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$18000.00} Fraudulent Information on Credit Reports Other Identity Theft Company or Organization : XXXX XXXX XXXX  Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent {$600.00}
Product: Credit reporting or other personal consumer reports

please take note that I continue to unequivocally dispute the remaining items that have yet to be deleted. 

These accounts are inaccurate and incomplete. They are having a MAJOR NEGATIVE IMPACT on me being able obtain credit right now and that is not acceptable. 

As provided for under the Fair Credit Reporting Act ( " FCRA '' ), consider this letter my request that you reinvestigate the following accounts and delete them from my credit report. 

Creditor has failed to comply with 15 U.S. Code 1681 is part of the Fair Credit Reporting Act ( FCRA ) to the reporting agencies. Failure to provide fair and accurate credit reporting to the efficiency of the banking system and public confidence. The FCRA aims to ensure that consumer reporting agencies adopt reasonable procedures to meet the needs of commerce while being fair and equitable to consumers, particularly regarding the confidentiality, accuracy, relevancy, and proper use of consumer information. 


DEPT OF EDXXXX : XXXX The balance reported is incorrect
Product: Mortgage

In XXXX of XXXX I applied for a mortgage forbearance through XXXX of XXXX. In XXXX I called and extended the forbearance through XX/XX/XXXX. In XXXX, I received a letter from PHH stating I could apply for a mortgage modification and I had to apply by XX/XX/XXXX. I filled out the application and uploaded all the documentation on XX/XX/XXXX and XX/XX/XXXX. I received a letter on XX/XX/XXXX saying my application has been received and is currently being reviewed. Since then I had an appointment on XX/XX/XXXX to go over the modification agreement. No one had reviewed it at that time and another call was rescheduled for XX/XX/XXXX. On the call on XX/XX/XXXX, the same story happened and they still haven't reviewed the Mortgage Modification agreement and are just stating I need to refill out the application and go through the whole process again. The reasoning is on XX/XX/XXXX, the forbearance was reapplied to my account without my knowledge and extended through XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for auto loan at end of XX/XX/XXXX and received a letter on XX/XX/XXXX from XXXX XXXX explaining why i was rejected by them because of a report from XXXX XXXX XXXX. XXXX XXXX XXXX reported a credit score of XXXX for me while other reporters are showing XXXX ( XXXX ). I had not heard of this company " XXXX XXXX '' and do not feel comfortable sharing my social security number or other personal details to see their " report ''. I have tried to call them multiple times to dispute the false information but every time I am only able to reach a voicemail box. From what I have read online this company has done similar things to others, possibly to give banks a reason to charge higher interest rates. Please do something to get them to stop preying on people and help me get my credit restored.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am currently looking at my credit score on XX/XX/XXXX and notice a few things still have not been removed as I was told they would be. Derogatory marks reported on XX/XX/XXXX would removed completely off my credit file and it is currently still showing. Any responsibility I had with them was validated. On Hard Inquiry It still shows from XXXX XXXX XXXX  XXXX on XX/XX/XXXX. XXXX This was fraud and was never authorized by me ) I have contacted the company multiple times to show me proof type of proof that I personally signed up or did business with there bank. They kept saying they would get back to me and now it's been well over 60 days which to my understanding of the fair credit act means it should come off since they have not provided any proof on this?
Product: Credit card

I urgently request the removal of this erroneous late payment from my account. My payment history reflects a pattern of punctuality, and this entry is causing me undue stress and concern.
Product: Consumer Loan

company has requested more information about the loan they has reported to my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX LIED ON REPORT # XXXX, I HAVE REPEATEDLY ASKED XXXX AND AD ADSTRA RECOVERY TO VALIDATE THE DEBT, PER THE FDCPA BOTH ARE IN VIOLATION .... IT TIME XXXX COME BACK AND SAY THAT THE DEBT IS VALID, I HAVE ASKED THEM TO PROVIDE ME WITH THE INFORMATION THAT WAS PROVIDED TO THEM AND THEY HAVE NOT, IN THE PREVIOUS COMPLAINT THEY SAID THEY HAVE PROVIDED IT TO ME, WHICH THEY HAVE NOT, WHY ARE THEY ALLOWED TO GET AWAY WITH LYING? I WOULD LIKE FOR XXXX TO PROVIDE ME WITH THE VALIDATION, AD ADSTRA IS COMMITTING FRAUD AND XXXX SEEMS TO BE WORKING WITH THEM, I DO NOT OWE AD ADSTRA, IN BOTH RESPONSES THEY SEND BACK A WHOLE LIST OF GARBAGE,, I WILL MOVE FORWARD WITH MY COMPLAINT
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.

Account name : Untitled Account Number : XXXX has violated my rights. Or list of inquiries 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: Checking or savings account

I opened an account with US Bank on XX/XX/2018. I wasnt able to switch my payroll to the new bank account until the end of XX/XX/2018 ; however I had to get a check issued from my employer and have direct deposit scheduled into that new bank account from then on. I have been at this place of employment for 4 years. I deposited my check on XX/XX/2018. It showed I had the available funds on XX/XX/XXXX and XX/XX/XXXX. However when I looked at my account on XX/XX/XXXX, it did not show funds avaialable. I contacted US Bank on XX/XX/XXXX customer service and was directed to the fraud department. The fraud department had closed early so I contacted US Bank customer service again. They told me to contact the fraud department in the morning and to work with my local branch. I called the US Bank fraud department on XX/XX/XXXX at XXXX am XXXX time. They told me I needed to work with my local branch as they put the hold on it so that they could verify funds with the other bank. I went to my branch when it opened at XXXX am. The banker indicated that they did not put the hold on and that the fraud department did and there was nothing they could do. They contacted the fraud department and they said it was placed because it was different activity for my account. I had just opened this account and this was my first paycheck to be deposited. They refused to verify funds through the other bank. They said the hold would not be released until XX/XX/XXXX. The check will have already cleared the employers bank by then ; however US Bank refuses to release the funds sooner even if they have already received the funds. This seems excessive and an abuse of their ability. I have no negative claims on my account. I am not sure how they expect people to make deposits if they withhold the funds. The customer service was very unprofessional.
Product: Debt collection

according to the fair credit reporting act ( XXXX  ) Section XXXX it is illegal to report information on my credit report with my permission please update this information to paid as agreed ( XXXX  )
Product: Credit reporting, credit repair services, or other personal consumer reports

Did not authorize Credit Pull. Please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the fraudulent information reported on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), Section 15 U.S.C. 1681c-2, and to request that this information be blocked and removed immediately. 
I have attached a copy of my FTC Report ( FTC Report Number : [ XXXX ] ), along with additional documentation supporting my claim. This report demonstrates that the information in question is the result of fraud and should not appear on my credit report. 
Pursuant to Section 15 U.S.C. 1681c-2, when a consumer submits an identity theft or FTC report , credit reporting agencies are legally obligated to block or remove any information identified as fraudulent within four business days. 
The information on my credit report was reported without my explicit consent or written authorization. This constitutes a violation of my rights as a consumer under the FCRA. Therefore, I request that this information be blocked and removed immediately. 
I would like to inform you that I have been a victim of fraud, as unauthorized accounts and transactions have been reported in my credit history. I have also filed a complaint with the Federal Trade Commission ( FTC ), and I am including a copy of this report for your reference. 
All required documentation to support this claim is included in this package and has been sent to your agency via fax and certified mail. I demand that the following fraudulent accounts be removed from my credit report without delay : FRAUDULENT ACCOUNTS : XXXX XXXXXX/XX/year>
Product: Vehicle loan or lease

I have had this car loan for a little over two years. My recent unemployment has made it difficult to keep up. Im finally current, but have hundreds in fees ( also paid ). Some of the returned payment fees were also not my fault, as I was unaware my bank closed my Account. Im just a desperate soul in need of a little assistance and Chase is bouncing me around. One rep told me he processed a refund of 3 late fees and any return payment fees, but that was never done and of course, theres no record of it. If calls are recorded, it should be pulled.