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

I opened a secured credit card with XXXX XXXX in XXXX of XXXX. During the COVID-19 pandemic. I closed this account and received some of my initial deposit into this account back. For the past 2 years, XXXX has not provided verification of documentation and I have requested this documentation of the account from open to close, showing where they sent me money back after I closed the account, but I have failed to receive any of said verification of documentation from Self or Experian which makes this information inaccurate. 

XXXX XXXX Bank took my rights as a consumer and decided to make my account a profit/loss write off. XXXX XXXX Bank reports the status to Experian as : Account charged off. {$45.00} written off. {$61.00} past due as of XX/XX/XXXX. Status was updated XXXX XXXX Credit Usage 110 % with a credit limit of {$100.00}. XXXX XXXX XXXX of {$61.00} and a Highest Balance of {$150.00}. But no monthly payment is reported nor are the terms. The 24 month payment history currently reflected on my Experian file have NO payment history only that XX/XX/XXXX the account was charged off. 

I've requested documentation from XXXX XXXX Bank and have failed to receive documentation. 

Section 623 ( a ) ( 8 ) Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a " credit repair organization. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the two hard inquiries on my TransUnion credit report that were made on XX/XX/2022, by XXXX XXXX XXXX and XXXX  for auto financing. These inquiries were not authorized by me, and I believe they were made fraudulently. 

As a responsible borrower, I always keep track of my credit report and make sure that any inquiries made on it are legitimate. However, I was shocked to find two hard inquiries on my TransUnion report for auto financing, as I have not applied for any auto loans recently. 

I have never had any business dealings with either XXXX XXXX XXXX or XXXX  and have never authorized them to check my credit report. I strongly suspect that someone has fraudulently used my personal information to apply for an auto loan, resulting in these unauthorized inquiries. 

As a victim of identity theft, I urge you to take immediate action to remove these fraudulent hard inquiries from my TransUnion credit report. I am ready to provide any additional information that may be required to prove that I did not authorize these inquiries. 

I have always been diligent about maintaining a good credit history, and these fraudulent hard inquiries have the potential to harm my credit score. I urge you to take swift action to investigate and remove these unauthorized inquiries so that my credit history remains untarnished. 

Thank you for your prompt attention to this matter. I look forward to a speedy resolution of this dispute. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

I have never been late paying this account. It shows as 2 late payments and target refuses to correct it
Product: Credit reporting or other personal consumer reports

I disputed inaccurate information with TRANSUNION in regard to this account XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX TRANSUNION stated the information was verified and accurate Twice. After checking my credit report the information is still obviously inaccurate! On my TRANSUNION report the account displays an open date of XX/XX/XXXX but this account was actually NEVER OPENED. The report shows a BALANCE of {$400.00} how was this verified I have no account or knowledge of this account show me the contract and written permission with my wet signature that shows I gave you permission to furnish this on my consumer reports which is another Violation. These are clear inaccuracies that TRANSUNION allowed to remain on my credit report. The account is not 100 % accurate so it is deemed INACCURATE and should be deleted immediately. I've attached a copy of the report from the TRANSUNION credit report website XX/XX/XXXX. I've attached the results of the requested investigation the account remains with all the inaccuracies. Please delete this account effective immediately. This is my right per the Fair Credit Reporting Act to request this ( FCRA ). ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I'm asking that you delete this obvious inaccurate account off my credit report and send me an updated copy of this report in delete account immediately
Product: Credit reporting or other personal consumer reports

information was exposed in the data breach and have noticed inquires and negative inquiries on my credit report that should not be there.
Product: Mortgage

I applied for a XXXX XXXX XXXX, and the broker attempted to mislead me into refinancing the home. Several times, I stated that I did not want to make changes to the current mortgage. He never once said the word refinance and I only discovered this when I reviewed the documents towards the end of the process. He also did tell me that it was important to sign the documents before the end of the day to lock in a 'flash sale ' in rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian disputing 3 account as erroneous on ( XX/XX/2020 ) and mailed them certified mail with tracking. Experian received the dispute on XX/XX/2020 and I have NOT received any investigation in reference to the erroneous accounts that are effecting my credit rating.I then sent a follow-up letter on XX/XX/2020, which they received on XX/XX/2020 complaining about them violating the law by not investigating the false accounts that are reporting inaccurately on my reports. To date, XX/XX/2020 they have not updated my reports reflecting my current disputes even though they received them. I want to also make a note that i contacted all of the Creditors directly to request a verification and have NOT heard any response from them as well, Except XXXX XXXX who removed the inaccurate account. I want to make it known that this is my final attempt to resolve this matter amicably before I pursue legal action against Experian, XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX for non compliance with the law, damages for emotional and physical distress, statutory damages, and attorney fees and court cost.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have contacted companies on my credit report that you ( XXXX equifax, XXXX ) has said to say the debt was validated. Well within one day of filling a complaint with XXXX XXXX its ironic they closed the account. Per FCRA you as credit reporting agencies should really investigate and make sure when they send you these automatic validations claiming that they are in deed a consumes debt that in deed they are valid, Like for instance a contract, drivers license and a signature. Its frustrating because me as the consumer has been through XXXX and back with XXXX just to say, they have said they validated everything when in fact have not. I have sent the same disput letter as I have to XXXX and equifax when they investigated they removed and corrected debts not owed by me. XXXX  you did nothing but send me a credit report and said from findings in previous months its the same meaning you didnt even try the second time to investigate!!!! I wrote a complaint on consumer finance.gov where you stated again that you investigated and these alleged debts were mines. Well here is proof you didnt. Please delete XXXX XXXX from my file as there are many more to come your way XXXX Thanks equifax and XXXX for doing your job and please delete XXXX XXXX from your files as well. 

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

I disputed a charge due to never receiving goods I paid for. The Cashapp dispute team denied the dispute, so, I requested the documents supporting their denial. They only sent a document stating that the charge was authorized by me and that there was no error, this does not address the reasoning for my dispute at all.
Product: Credit card or prepaid card

I open a credit card with capital one in XXXX, my XXXX  date of delinquency was in XX/XX/XXXX the company sold the debt to XXXX XXXX a collection agency in XXXX in XXXX I paid the debt. I did not open another credit card nor was I able to open another credit card with capital one since the year XXXX. I have been given the run around from capital one saying the account was paid in full in XXXX, but was opened in XXXX. I did not open a credit card in XXXX and this is not my account I let capital one know, but after weeks of back and fourth with capital one and XXXX XXXX I realized that capital one was reporting an unknown account. I just want this account that I have no knowledge of removed from my credit report and capital one 's system.
Product: Debt collection

I paid for the purchase and balance of {$15.00} in XXXX XXXX. 

XXXX XXXX, XXXX did NOT credit my payment and charged late fee of {$29.00} I called and was told PAYMENT would be credited to account and late fee waived. 

I continued to receive statements showing more LATE FEES of {$39.00}, {$39.00}, {$39.00}, {$40.00}, and {$41.00} until the balance is at {$280.00}. 

XXXX 's charged off and sent debt to collection agency ARS. 

I have faxed to XXXX 's on XXXX XXXX, XXXX and emailed to ARS on XXXX/XXXX/XXXX but have not received any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

To someone in a position of authority, I am making a formal complaint because The Department of Veterans Affairs has placed information on my report without my consent, and without validating the debt. I reached out to the department over 4 months ago and I still have not received a response. I informed them that they were violating 15 U.S.C. 1681a ( 2 ) ( B ) as they were supposed to exclude information from my report that was authorized by a credit card. I informed them of this violation and they have not responded to my correspondence. Additionally, I asked them to validate the debt they are reporting on my consumer report with XXXX  and Equifax ; I made a formal complaint with XXXX, Equifax, and the Department of Veterans affairs and they all failed to show proof that this debt that they are reporting belongs to me. Because they failed to validate the debt with sufficient proof, they are in Violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. If I continue to be ignored about this matter I will proceed to seek litigation and remedy for {$1000.00} per violation for defamation of character, Negligent Enablement of Identity Fraud, and Violations of 15 U.S.C 1692g. I demand these accounts be deleted from my experian report within 5 days, or I will move forward with litigation and remedy. I also demand that that an updated report be mailed to me. Any actions taken to hinder my consumer report will also result in me seeking litigation and remedy. Thank you.
Product: Credit reporting or other personal consumer reports

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

I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I received  an American Express  giftcard as a wedding gift about a year ago. I went to use the card today, and the balance was  XXXX . I checked the transaction log online, and it was used in California during several transactions, and now the balance is  XXXX . The card was never out of my possession, and I was not in California at that time.  <P/> I calle d American Express a nd they told me there was nothing they could do about it. I would have to contact each merchant individually and hope they reversed the transactio n. American Express ref used to help me. I will never buy a giftcard from them again.
Product: Credit reporting or other personal consumer reports

Ive noticed that XXXX  deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$13000.00}
Product: Mortgage

To whom it may concern, When the pandemic began we applied to Wells Fargo for a program offered to delay our mortgage payments for three months. They approved and told us that the non paid months would be applied to the final payment of the mortgage. We then did another extension for three more months and then again two more times bringing the total to 12 months. After this 12 month extension we applied and were approved for a loan modification.

We were given a three month trial period at this new rate. All went well we made all our payments and Wells Fargo said we would receive a new loan modification permanently that they would send to us to sign and send back. 
We received the document and sent back via XXXX to Wells Fargos headquarters. 

We constantly kept checking to receive confirmation and the system kept stating that our information was being updated and not ready for us yet. We were concerned as we had not received any response to finalise this new loan. Rather than wait and risk problems we went ahead and paid our mortgage applying the old higher rate. Rather than have these payments post as new payments for the mortgage due, Wells Fargo had them apply to back payments despite the fact that we had been assured. 
I Writing and verbally ( And Fax ) that the Covid extension would be paid at the end of our loan. 
Also let me reiterate we were calling constantly and checking the system and were not getting any information other than the system was upgrading. 

XXXX  the XXXX of XX/XX/2022 I contacted Wells Fargo because my statement showed a note of default and requested payment for all the year at once ( {$100000.00} ). Wells Fargo home preservation department said that in XXXX they had sent a letter requesting more information and because they did not get an answer from me they removed us from the loan modification program they had agreed to. 

We never received the letter, we never received a phone call or email and we were intensely trying to call Wells Fargo and reach them by email but got no information. 
This is XXXX days before XXXX. 
Thank you so much for your help.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX AND RAZOR ARE VIOLATORS OF THE : " DODD-FRANK WALLSTREET REFORM AND CONSUMER PROTECTION ACT. '' XXXX COUNTS OF AGGREVATED CREDIT REPORTING FRAUD WITH XXXX AND XXXX IS A CRME. 
XXXX COUNTS OF F.C.R.A. 
XXXX COUNTS OF T.C.P.A. 
XXXX COUNTS OF F.D.C.P.A.
Product: Money transfer, virtual currency, or money service

I am writing to file a complaint against Binance.XXXX Their official name and address are as follows : BAM Trading Services Inc. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX. 

Recently, Binance.XXXX has stopped allowing " withdrawals due to risk management. '' This has prevented customers from withdrawing assets to either sell them for cash or to transfer those assets to a more reliable exchange. 

The only ways to contact Binance.XXXX is via social media and by online ticketing system. They have no phone number to speak to a live person. Responses by the Company have been non-existent. 

If you look at their XXXX page, you will see that customers have been waiting for weeks and months to withdraw their funds. Some people depend on these funds ; hence why they invest in the first place. 

Binance.XXXX has not even sent out a blanket statement on what customers should do if they have this message. Everything is at the mercy of customer support and they are not reachable. 

I ask that you contact BinanceXXXX to have them allow customers to have total access to their assets without any further delay. Some customers have major payments they have to make and their funds are locked within the BinanceXXXX system without a care or explanation from the Company. 

Any quick assistance would be welcomed in this matter. Many of us who have been waited are worried as to what may happen with our assets. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that an auto lease account that was opened by my brother/sibling, under his name, on XX/XX/XXXX is still being reported on my credit report. The account that is fraudulently being reported under my name is the auto loan/lease from XXXX XXXX XXXX. This account belongs to my brother/sibling, XXXX XXXX. I did not cosign this auto lease. I was simply used as a reference by my brother/sibling. It is NOT a joint account. XXXX XXXX XXXX fraudulently opened the account under my name. According to my brother/sibling, XXXX XXXX, the auto lease is incorrectly being reported as a joint account and should be reported as my brother/sibling ( XXXX XXXX ) being the only individual responsible for this account. 
I contacted XXXX XXXX XXXX and asked them to remove the account from my credit profile. According to XXXX XXXX XXXX, they can not see the account being reported under my name and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into the fraudulent XXXX XXXX XXXX account. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the account. ( Do not send me anything via US mail. ) If you find the account referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this account was not FRAUDULENT being reported and that it belongs to me, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT account reporting. 
Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX