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

This is my fourth endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX P XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, P ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX PL XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; ALXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX  Ss is reporting a late payment that occurred during the CARES Act FCRA accommodation period. Despite being current on payments during this period, an accommodation was granted and payments were brought up to date, yet they still show a 30-day late payment. According to the CARES Act, if a consumer was current on their obligation at the time of an accommodation approval, the account must be reported as current as long as the consumer is complying with the accommodation agreement. Additionally, if a delinquent consumer catches up during the accommodation period, the creditor must report the consumer as current. I have attempted to resolve this discrepancy multiple times with XXXX, TransUnion, and XXXX. In XX/XX/2023, I disputed this and requested verification that my late payment did not meet the CARES Act FCRA amendments. 

Payments were due on the XXXX, I paid XX/XX/XXXX and XX/XX/XXXX. Payments were caught up and therfore lates must be removed Acct XXXX
Product: Consumer Loan

I went to Titlemax on XXXX XXXX XXXX in XXXX, GA on XXXX XXXX to apply for a loan with the title to my car. I received a loan for {$2500.00}. In XXXX when I paid my XXXX payment I asked what was the minimum I could pay. I was informed it would be {$300.00}. I had just been hired at a new company and getting settled in to my pay dates. I called again to make a payment on XXXX XXXX and I again asked what would be my minimum payment and was informed it would be {$300.00}. I was also informed by XXXX, who wrote the loan for me on XXXX XXXX, that if I did not pay the entire monthly note of {$360.00} that the amount I was paying would be applied to interest, an additional interest that was not calculated in the original loan agreement. This is a penalty for not paying the full amount. This was not in the written agreement and it was never verbally stated to me ever until XXXX XXXX.
Product: Credit card or prepaid card

I have been disputing a charge with Capital One Credit Card since XX/XX/XXXX. I purchased multiple tickets through XXXX XXXX using my Capital One credit card. However, during the purchase transaction, Capital One initially denied the payment due to security concerns. After resolving the security concern, I was able to purchase the tickets. Unfortunately, duplicate tickets were purchased and Capital One did not stop the payment when I purchased the tickets on the phone with them. I was told to call the Airline company so it could be resolved. I immediately contacted XXXX XXXX and was told I would lose my money and not be given any credit. I received notifications of a duplicate ticket from XXXX XXXX but again was not able to obtain a refund. Capital One attempted to get me a refund but was not successful. After 6 months of disputing the transaction with Capital One, I was told by a representative that I would indeed be refunded the amount of XXXX. I called Capital One again XX/XX/XXXX to inquire about my refund and was told by a representative that I would receive the refund but would transfer me to a supervisor to have it processed. I was transferred to the supervisor who then told me that I would not be receiving any refund and that the other Capital One representatives did not explain to him that I would receive a refund. In the end, Capital One was not able to obtain any funds from XXXX XXXX and lied to me on multiple occasions about getting my money back. Capital One asked for a credit voucher from XXXX XXXX in order to refund me any money. How do you get a refund voucher from the company you are disputing the transaction with?
Product: Debt collection

I didnt make the account my identity was compromised in the XXXX XXXX data breach in 2018
Product: Credit reporting or other personal consumer reports

I requested from the three major credit bureaus Transunion, XXXX, and XXXX to remove incorrect reporting of late payments and charge offs and collections and Bankruptcy mostly coming back updated as undefined or remains the same. Some of the late charges were removed and not long they reappear back on my consumer credit report. This is unfair. This is hurting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

After requesting my credit report from Innovis in XXXX, I was shocked to find two files that were not mine. I immediately disputed with them. They said that the accounts were verified and so I contacted the creditor 's in question who both said they were reported in error and should be removed. However to date Innovis has maintained the erroneous reporting of these accounts. The two accounts in question are a XXXX account and a XXXX account. Please see the attached certified copies of the letters I received from the companies and my most recent Innovis credit report.
Product: Money transfer, virtual currency, or money service

Im filling this complaint against cash app ( Block.inc ) Due to inadequate customer service and unfair practices which violates the customer financial protection act ( CFPA ). specifically, Cash app failed to take timely and effective measures To prevent an 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 electric funds transfer act ( EFTA ) and regulation E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress For these violations.
Product: Mortgage

. In summary, our complaint is that, XXXX days after the scheduled closing date and only XXXX days before the expiration of our Offer to Purchase -- when we would forfeit the Due Diligence and Earnest monies amounting to {$13000.00} -- the Wells Fargo loan officer made wild and unfounded claims about the property only XXXX days before the expiration of the OTP ( that the house was dangerous, uninhabitable and ready to cave in ) and, on the basis of those claims, insisted, for the first time, that the mortgage would not be provided until foundation repairs would be carried out PRIOR to closing. This put us in an impossible position as the sellers would not agree to carry out the repairs ( the OTP specified as is ) and they also would not agree to an extension of the contract giving us sufficient time to seek a loan from another institution. At the time, Wells Fargo knew that we had contracted an expert company to repair the foundation ( costing over {$13000.00} ) which was to be carried out on XXXX XXXX. Obviously, we could not carry out the repair if ownership was not first transferred to us and, even if we could, we could not be sure that it would be sufficient ( the loan officer had also complained for the first time about the roof, the kitchen cabinet, the deck, the windows and the lack of carpeting in the bedroom, all of which we were going to replace after the closing ). As a result, we suffered the loss of our due diligence and earnest monies and were subjected to significant stress which has taken a toll on my health ( I am XXXX XXXX XXXX ). As described below, we first sought to complain to Wells Fargo, first to have the loan officers decision reviewed before closing and then, failing that, to corporate headquarters about the arbitrary and unprofessional treatment we received that resulted in our significant loss. Unfortunately, as communicated to us on XX/XX/2022, Wells Fargo will not recognize any error on their part, despite that it is so blatantly obvious and indefensible.
Product: Mortgage

BANK OF AMERICA WITHOUT CONSCIOUS FILED A WRONGFUL FORECLOSURE SUIT FOR A MORTGAGE LOAN XXXX THAT WAS PLACED IN A XXXX XXXX XXXX XXXX TO WHICH XXXX XXXX SIGNED THE CUSTODIAN AGREEMENT AND XXXX XXXX & XXXX WAS SERVICER OF THEIR LOAN NUMBERS. THIS LOAN IS A MULTI-PLEDGED LOAN AND NOT MY MORTGAGE LOAN. XXXX GOT XXXX FOR THIS POOL AND OTHERS LIKE IT. BANK OF AMERICA IS TRYING TO MAKE ME PAY FOR THE FRAUD OF OTHERS. I DID NOT SIGN ANY LOAN DOCUMENTS FOR THIS LOAN NUMBER XXXX AND BANK OF AMERICA HAS PRODUCED NONE. THOUGH THIS LOAN NUMBER SHARED THE SAME FHA CASE NO AS MY LOAN IT WAS A SEPERATE LOAN AND PLACED IN THAT POOL PRIOR TO MY XXXX PAYMENT XXXX 2008 AND ACCORDING TO BANK OF AMERICA MY LOAN XXXX WAS ALSO PLACED IN THAT SAME POOL. BOTH LOANS TAKEN OUT OF THAT POOL AT XXXX DIFFERENT TIMES AND BOTH XXXX SEPERATE LOANS. THIS COMPLAINT GOES WITH COMPLAINTS XXXX & XXXX. FOR SOME REASON I CAN NOT ACCESS MY ACCOUNT TO REVIEW, COMMENT, ETC.
Product: Credit reporting or other personal consumer reports

Complaint To Delete Inaccurate Information The Fair Credit Reporting Act ( 15 U.S.C. 1681-1681x ) grants you the right to dispute any information you believe to be incorrect, outdated, or unfairly reported in a credit dispute letter. This document formally requests the credit bureaus to investigate the disputed items and correct any inaccuracies. And send proof of reinvestigation including documents received. 

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing to remedy this breach. Please help me delete these illegal accounts from my credit reports. 

Account names and account numbers XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX I sent a letter to National Credit Systems Inc about a collection placed on my credit for {$7700.00} that says I lived at XXXX at XXXX XXXX. According to my credit report, it shows the last payment was made XX/XX/XXXX. Not only is this information inaccurate, the apartment is in a completely different city from where I lived in XXXX. The letter I sent was a debt validation letter asking to be provided with any proof that we ever had any kind of agreement to which they have not responded.
Product: Credit reporting or other personal consumer reports

I have a XXXX  account with a credit builder pre paid credit card. They approved a charge for {$370.00} when funds werent available. I deposited by direct deposit {$100.00} per pay check and paid off the amount of {$370.00} by XX/XX/2023 and even responded to their emails stating if i didnt make a payment they would report me as late. they responded thak you for the update we will update your account. They reported my 60 days late with full balance still owed and my score dropped by XXXX points. i was denied housing because of this. i re disputed this with credit bureau and its on my report as disputed. Today XX/XX/XXXX all 3 bureaus reported me as 120 days passed due with a balance of {$170.00}. as of today a have a available balance of XXXX. I withdrew all my funds and demanded this account be closed for over a month. I submitted all the proof to you see past complaint against XXXX as well as uploaded it to the credit bureaus. So before I end up homeless due to this not even error at this point. its a deliberate action on the part of all parties at this point, id like XXXX, equifax and XXXX to remove synapse info off of my reports
Product: Checking or savings account

XX/XX/ made a deposit of {$9.00} to my daughter 's capital one bank account. I transfered from my external checking account. It posted as clear transfer from my external checking account but was never deposited into my daughter 's account. I called to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX DEPT OF EDUCATIONXXXX XXXX Balance : {$10000.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$9300.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$1100.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$3000.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$1900.00} XXXX XXXX Original creditor : XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX Inquired on XX/XX/2022 XXXX Inquired on XX/XX/2022 XXXX
Product: Checking or savings account

I bank with navy federal and they take out fees and make my account go negative at least 2-3 times a month and Im confused because I dont use my account like that. I get emails on a daily basis saying something about fees associated with navy federal.
Product: Credit card or prepaid card

I made {$200.00} x2 {$400.00} charges om my credit card ending in XXXX then I issued a refund to the same card and paypal zettle can't find my money
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information from my credit reports has been ignored by the Credit Reporting Agencies. The last letter I sent to Experian, and XXXX Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. The Credit Bureaus failed to complay with the FCRA section 605b which states that the Credit Bureuas are required to delete any account and information that resulted from an Identity theft. I reported the theft if my Identity to the FTC and attached copies of the FTC 's Identity theft report. The following Fraudulent Information listed below are still reporting on my credit report. I am hoping that you may be able to help me and have these items deleted as soon as possible. I need the following items deleted as soon as possible ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I didn't open any of these accounts XXXX XXXX XXXX XXXX for XXXX dollars someone other than me has did it and others like theses XXXXXXXX XXXX for XXXX dollars not me and most definitely XXXXXXXX XXXX XXXX XXXX  for XXXX dollars I don't remember opening up any of these accounts so I want them removed because these accounts are fraudulent look into them carefully I think my identity was hacked
Product: Credit reporting

Experian is, in my opinion, ruining my credit report on purpose. I am amazed at how inept they are being about fixing their own mistakes. I have sent them XXXX letters so far, highlighting exactly what was wrong and what they needed to fix and they have been responding with ludicrous statements basically telling me that I am the one who is wrong! I AM REALLY HOPING YOU CAN HELP ME! Here are my main concerns : 1. there are several accounts that were included in my chapter XXXX bankruptcy that are still showing late payment history AND BALANCES! CAN YOU BELIEVE THAT!?? 

2. Several accounts are reporting past due statuses when they are supposed to be current or are paid completely. 

3. I do n't believe that a proper investigation was done on some accounts that are showing late payments and I believe them to be errors and the late payments should be removed.
Product: Credit card or prepaid card

I was a XXXX credit cardholder for years. In XXXX I did receive my statement with a large purchase of {$350.00} cents. Immediately, I did call and let them know that I did not recognize that purchase. The person I did talk to told me that they would fix that problem. After months, they did not do anythng about my claim. Meanwhile, they kept charging me interests and late fees for that amount ( $ XXXX ). On XX/XX/XXXX I did make a second phone call and I did talk to another person named XXXX. She told me that she did not see any notes about my claim. XXXX did go over my last statements and she did conclude that I did owe only {$140.00} cents. Immediately, I did make a pay off of {$140.00} cents in order to make my account at XXXX balance. She also told me that they would send me a reversal letter in 90 days after investigation. In XXXX XXXX, I did receive the reversal letter informing me that my claim was denined. At the end, they sent me to a collection agency ( XXXX XXXX XXXX ) with an amount of {$710.00} cents to pay. I did also call that agency ( XXXX  ) and explain the situation but they keep sending me bills with a large amount of {$1600.00}. XXXX cents to pay. I would appreciate that you help me to resolve this problem as soon as possible because I am not responsible to pay for a purchase that I did not make.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of purchasing a new vehicle and in doing so I had to pull my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT 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. 

I know that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( XXXX ) 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. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI have attached a copy of my ID for identity verification and a bill for address verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

LENDMARK FINANCIAL Services called me today and wanted to make me a loan offer. The lady that called told me they would pull my credit report to do this. I asked if that would count as an inquiry and she stated " yes. '' I told her she did not have my permission to do this as I did not want a hard hit on my credit reports. She stated " OK, if you change your mind about borrowing money from Lendmark, call us back because we have to do the credit pull to complete and application. '' XXXX later I get a email stating someone had pulled my credit & it was Lendmark. I called and spoke to the local XXXX XXXX. She stated " We did not pull it, it must have been someone else. '' I told her that was not true and it was Lendmark after I told them not to do so. She then stated, " I am not sure how to remove it and will have to contact our home office and call you back. '' XXXX 's local number is XXXX. 

I also called XXXX and they told me I would have to file a fraud report to get them to assist me with the removal of the inquiry by Lendmark.
Product: Credit reporting or other personal consumer reports

I have been Battling XXXX for the past 10 years and I have recently discovered that my XXXX XXXX XXXX has been using my personal information to take out 3 credit cards in my name fraudulently without my consent 1 ) XXXX XXXX XXXXXXXX account number XXXX opened in XX/XX/XXXX XXXX ) XXXXXXXX XXXX XXXX opened in XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX
Product: Checking or savings account

I opened and account with UFB DIRECT A PRODUCT OF AXOS BANK. 
In XXXX XXXX. CA. 

I mobile deposited a Check amount {$100.00} made out from my XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX For Bereavement, the Check cleared in there 5 days holding period. I had a problem with a second deposit with a mobile deposit they closed my account. I requested my balance of {$100.00} to be mailed to my address I was told i will have the check between 7-10 days, I waited two weeks before i called them to check on why i have not received the Check, they put me on hold for a while and the representative told me that they told her to tell me that they was still trying to verify the Check. I told her it has been two weeks and i no the check was cleared and my Pastor told me it was cleared, The Representative was very rude and unprofessional.I just want my Funds in the amount of {$100.00}. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX XXXX 
XXXX
Product: Checking or savings account

I have a debit with BBVA Compass and used this card on XXXX to purchase automotive repairs parts at XXXX  XXXX XXXX onXX/XX/XXXX for the total {$42.00}. 
On XXXX I returned a part that did not fit which was for {$28.00} and it was credited back to my account at {$28.00}.. BBVA claims that they credited me the amount of {$42.00} on XX/XX/2021 which they did. The problem here is the sum {$14.00} is what I would owe BBVA. BBVA is acting like I was credited twice of the {$42.00} once by XXXX and once by BBVA. That is not the case. I was only credited {$28.00} by XXXX and it was credited back to my BBVA account onXXXX XXXX as per bank statement. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is for XXXX XXXX XXXX. Experian.com will not take off several fraudulent accounts on his credit report. There was also an social security number ending in XXXX. My husband 's last XXXX are XXXX. He also has several credit cards that's he's on the accounts, that Experian won't list. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.