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

On XXXX XXXX, I C SYSTEM added a derogatory remark on my credit report per XXXX XXXX. Upon further research, this account was transferred and I am no longer reliable for this account. Debtor 's creditor did not verify this collection. Also, there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate a debt and anybody can send me a bill and say it's mine. According to the FCRA, I C SYSTEM has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX ( the Company ) which involved me making deposits for a total amount of XXXX ETH from my Gemini account to fraudulent investment firm ( s ).

When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Gemini did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Geminis custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Gemini promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Gemini was in compliance with its own policies and procedures ; ( v ) whether Gemini owed duties to myself, what the scope of those duties was, and whether Gemini did not uphold those duties ; ( vi ) whether Geminis conduct was unfair ; and ( vii ) whether Gemini has within its power the ability to, and should, compensate me for the harm that has befallen me.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name XXXX XXXX XXXX Account Number : XXXX
Product: Mortgage

To whom it concerns, I have tried to pay the mortgage in full to this company. Their lawyers wo n't return my messages. In addition, instead of taking the money they have left threatening notices to change the locks on the doors and sent me a text message threatening me with eviction. I would like to speak with someone ASAP. 
It 's about money, right? Here it is then. 
Thank you, XXXX ) The Full name does n't fit in the required placement. 
It is Wilmington Trust, National Association XXXX Ny XXXX Aliases : NOT IN ITS INDIVIDUAL CAPACITY, BUT SOLELY AS TRUSTEE FOR XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following inaccurate information on my credit report. This is my attempt to resolve this issue, and I am deeply frustrated with the lack of response and resolution from your agency. These accounts are inaccurately reported as late and charged off. I have made multiple attempts to resolve this matter, including providing documentation and evidence that these accounts were closed in good standing and should not be listed as late or charged off. I am requesting that these inaccurate entries be removed from my credit report immediately. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute and respond within 30 days. These are the following accounts that are needs to be removed : XXXX. XXXX XXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. 
This information seems to be misleading. This will need to be removed pronto. 
XXXX. XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 
XXXX XXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 
XXXX. XXXXXXXX XXXX XXXXXXXX Balance Owed : {$750.00} - The payment history and status are inaccurate. According to FCRA 's Compliance/Obsolescence date determines when the 7-year reporting period begins for accounts that have been chargedoff or placed for collection. Please delete this account immediately. 
XXXX. XXXX XXXX Balance Owed : {$140.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. 
XXXX. XXXX XXXXXXXX XXXX Balance Owed : {$400.00} - The limit to this account was a fraction of the amount due as stated. 
That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 
XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$1400.00} - This particular account is undoubtedly placed as a charge-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off. The balance is truly incorrect, if possible, replace it with XXXX or eliminate the item certainly. 
XXXX. XXXX XXXX Balance Owed : {$0.00} - Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
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 XXXXXX/XX/XXXX
Product: Credit card

On XX/XX/year>, we received a disputed payment charge back notice showing that {$4700.00} was reversed from a customer that we provided XXXX XXXX XXXX  to. 
See attached documents. We responded within a day or two and submitted over whelming evidence that this charge back was without merit and clearly addressed the false allegations made by our customer that initiated the charge back.

We have contacted XXXX  ( our merchant account provider ) 7 times looking for updates for this claim and have been told that they have reach out to the chase CC company for answers and tell me that chase has not made a final decision on this case.

We call XXXX again on XX/XX/year>, to request any update and they reach out to chase and they put a high-level inquiry into them for a resolution. I was then told that i would be hearing from them no later than XXXX XXXX. They also informed me that all charge backs must be resolved within 50 days from date of notification. ( XXXX ). 
Chase has failed to resolve this matter in a timely manner and continues to withhold our {$4700.00} even though we have supplied overwhelming matter facts to dispute this charge back.

This lack of action from chase has caused great financial hardship for our small business and has delayed potential legal action for collection of these funds.

We are hoping that cfpb can help us get resolution of this dispute or force chase to return the charge back funds to our account or respond in writing as to the disposition of this case as legally required. 
See attached docs Thank you XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

citi charged me credit protection fee i neaver asked for
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 XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXXF XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information below, which appears on my credit report, does not relate to any transactions that I have made. I contacted the Federal Trade Commission and filed a complaint # XXXX which is attached. The accounts listed below are a result of identity theft. 

Identity Theft XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Identity Theft XXXX XXXX ( Original Creditor : XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : {$700.00} Identity Theft XXXX ( Original Creditor : XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : {$790.00} Identity Theft XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$810.00} Mailed to Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm here to ask for your assistance with regards to my dispute 60 days ago. I wasn't notified of any investigation taking place nor it's results. I hope that the accounts mentioned on my dispute will be deleted since all of them were misleading and falsely reported as being mine. Also, it's already past their investigation so everything must be deleted.
Product: Mortgage

I applied for the HAF program through the state of MD, the governement contracting company handling the applications is TERRIBLE! I have had to reapply bc they changed their system, they aren't being transparent with homeowners who are behind on payments. 

The XXXX XXXX XXXX XXXX XXXX is out of Florida, has approx 9 employees handling 40k applications, can't see docs you upload in the system, the people processing the applications don't sound like they know what they are doing or have processed mortgages or related products before. They are currently NOT in good standing with the state of MD, because they haven't filed taxes in MD for XXXX, XXXX, XXXX & have a poor rating with the XXXX They have threatened to cancel my application, my processor refused to answer my questions while they are the problem and have dragged out the process and NOT letting people know their previous applications had been canceled due the system upgrade. 

I am now being offered a trial loan modification with Select Portfolio but they won't tell me what the final terms will be and get an attitude with me when I ask them. I have 13 years left on my mortgage, why would I want to pay 17 years of interest all over again? 
None this makes sense OR is on the up & up with both companies. 

I am VERY CONCERNED for other homeowners dealing w both these companies as well. 
Please help! Thank you!!!
Product: Vehicle loan or lease

I am requesting a release option for co-signers, according to the Consumer Financial Protection Bureau a release can be obtained after a certain number of on-time payments. 


I am requesting to be released from this lease agreement as it has been returned and payments have NEVER been made by me. The sole responsibility of this lease was for my son XXXX XXXX. There is confusion at times being that we have the same name. I am attempting to get a loan for the purpose of re-siding a home that I am too old to get up on a ladder and paint. I am a Veteran of the United States XXXX and retired XXXX XXXX XXXX 
This is regarding the XXXX XXXX XXXX, account # XXXX - XXXX  XXXX XXXX XXXX 

Typically after a certain amount of payments, the co-signer can be removed. This lease has been turned in and I need it to be removed from my credit report.
Product: Credit card or prepaid card

BBVA Compass the misused of my XXXX credit file. 

I had filed disputes on the account several times with XXXX  and the other two credit bureaus. The dispute last longer then 30 days with XXXX   file. The account should had been removed from file. BBVA Compass had reported the account on faults dates many times. I had tried to communicate with XXXX XXXX XXXX and I submitting the proof of misused of the account. BBVA Compass does not care if the account is being misused. They are saying it is reported currently. I would like for Compass to show proof that the account is reported correctly with all three credit bureaus from XX/XX/XXXX through XX/XX/XXXX along with the remarks in the comment section.. I do monitor all three credit files just about every day. 

The account had been sold XX/XX/XXXX to XXXX XXXX XXXX XXXX based in Texas. The debt buyer had removed the account from credit files from XXXX  and XXXX on XX/XX/XXXX. for not being register with the Secretary Of State Of California to conduct business with the California consumers. There is a difference between a business license and business registration. BVAA Compass had sold the debt wrongfully to a non register debt buyer who is not register with Secretary Of State Of California.
Product: Credit reporting, credit repair services, or other personal consumer reports

upon reviewing credit reports from all 3 agencies I noticed a bunch of unknown inquiries that are on my report and remain on there even after numerous disputes. I am beginning to think the credit agencies are ignoring my requests by taking shortcuts and not actually verifiying info because I keep getting the same generic answer for every dispute despite not being provided any documentation or proof such as forms with my signatures or authorizations. 
the following inquiries are as such transunion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed letters to all three credit bureaus on XX/XX/2021 to file disputes on incorrect information on my reports. Ive attached a copy of my XXXX letter as an example. I informed them of the incorrect information on my credit and requested that the items be removed, however I havent received a response from the credit companies within a timely manner which goes against their own company policies, and my rights as a consumer.
Product: Mortgage

I can't believe this is the third time Wells Fargo has tried to attached insurance to this ELOC account! It IS NOT a second it IS AN ELOC! I sent them proof SEVERAL TIMES via email of my homeowners insurance policy that renewed on XX/XX/year> with my XXXX XXXX XXXXXXXX XXXX Now they are tacking on all kinds of fees & penalties & trying to say my loan is behind & im not making full payments when IN FACT IVE PAID MY USUAL {$53.00} every month like clockwork as I always had! This is the third time I'm having this problem with Wells Fargo! I can't believe this & they are trying to ruin my credit! 
Also ; I've been trying to edit personal info to reflect ; XXXX XXXX XXXX ( not XXXX XXXX ) & my phone # is ( XXXX ) XXXX, XXXX
Product: Checking or savings account

Yeah so I was called by the Bank of America department that responds to the CFPB and was told my money would be mailed out to me with a tracking number provided for this within the next few days. Its been about two weeks now and I havent heard anything from said representative and Ive been calling her to no availability. Its been 3 yrs already like how do a big corporation like Bank of America think its ok to just steal from my clients and they can get away with it. Like dont they think they have enough. Its bad enough that they just got fined over XXXX XXXX XXXX dollars for doing this same nonsense behind other illegal banking practices under the noses of their own clients for years. They too over XXXX from me and are still giving me a hassle to this day. The lady said she would have the funds mailed out to me and than call me back when its done or to call her in two days. Its been two weeks and no response. Somethings got ta give. I just need those funds back. Im definitely gon na screen record this and put it up on social media. Ill have to write a new one everyday till I get back a response? How could a bank be so prejudiced towards a client and than steal from them? Thats how Ive been treated the past 3 years by the financial institution called Bank of America.
Product: Bank account or service

i would like to file a complaint against BB & T for unfair overdraft fees. I appreciate that the banks offer of overdraft protection however, in 2015 I have paid over {$1000.00} in fees. Just in XXXX 2015/XXXX 2015 my fees alone totaled {$360.00}. I have reached out to the bank for assistance and they will only adjust your account for overdraft fees every 24 months.
Product: Mortgage

CIS XXXX  I ask the company to fix the information on my account they add late payments thats inaccurate. AND TOLD ME IT QAS VERIFY. 
I DO NOT TRUE THIS COMPANY PLEASE REMKVE THIS ACCOUNT They have so many violation on my account My open dates is inaccurate My late payments are inaccurate Please DELETED this account CIS XXXX XXXX FROM ALL 3 CREDIT REPORTS FOR INACCURATE PAYMENTS INACCURATE OPEN DATE INACCURATE PAYMENT DATES THIS A violation please delete cis fin
Product: Mortgage

Due to improper account practices on Amerisave and the Loan Servicing Company XXXX My account shows as in default and has negatively affected my credit score. 

The reason the payment went up in the first place to {$2600.00} was due to an accounting/paperwork error on AmeriSave 's part, in addition to taking 7 months to complete the deferral which legally AmeriSave was allowed 30 days, according to the CARES ACT. As a reminder, the deferral expired in XXXX of XXXX and was paperwork was completed on XX/XX/XXXX. We should not have to bear the financial burden due to this nor can we afford the payment of {$2600.00}. The {$2200.00} payment will be backdated from XXXX. Please provide me the legal paperwork that does not allow for this to happen with case law and FL statutes attached. This should be correct ASAP. The " payment '' for {$1500.00} is the amount missing from the Deferral Agreement that was offered by Amerisave, only {$8200.00} was applied to the account while a total of {$9800.00} was approved. See attached for XXXX statement with deferral amount and see Payment Deferral Offer Letter ( QRPC ) for a total approval of {$9800.00}. In addition, see the letter sent to the XXXX XXXX XXXX Case # XXXX from " XXXX XXXX ''. 

Upon further review of my bank statements, I have found another discrepancy in account on XXXX 's behalf. Currently, there is at least {$2200.00} XXXX If using the monthly payment of XXXX starting XX/XX/XXXX ) or {$4100.00} XXXX If using the monthly payment of {$2200.00} starting XX/XX/XXXX ) missing from payments that have made to the mortgage. XXXX attached XXXX workbook. xls or pdf. This is in addition to the other items that were incorrectly handled by XXXX and the XXXX XXXX XXXX XXXX. This should be corrected within XXXX hours to avoid confusion. I have attached the bank statements with this email up to XX/XX/XXXX.
Product: Debt collection

Kohls/Capital One is reporting a charge off account against me that they fail to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Capital One wont send any documents, bearing my signature, showing that I have a legally binding contractual agreement/obligation to pay them for the alleged amount. XXXX and XXXX  have already removed this account from my credit for Violations against the Fair Credit Reporting Act. Capital One also didnt furnish the credit bureaus with the required disclosure, within the period required by law. They are required by law to place a notice of dispute on my account within 30 days of my dispute, which you signed for XX/XX/2021. I have retained a copy of their signature and date of receipt, as well as time stamps of my credit reports showing that you violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act 807 ( 8 ) by not placing the disclosure within the required 30 day period. Im requesting Capital One delete this account off of my credit reports for good for violations against the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern i want to inform your office that you are in violation of FCRA and FDCPA. You have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. 

You are reporting the following collections as an " OPEN ACCOUNT '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATION. THE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is denying my request to remove credit inquiry that has been on the report for over 2 years.