23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2022 I stopped at a gas station and my card was declined so I logged into my online account to learn that my funds were unavailable. I then called the number provided and was getting a message stating for me to leave a message and that they would get back to me within XXXX business days. I proceeded to call because not only is my rent due tomorrow but other bills are scheduled to come out of my account and I have a planned vacation out of the country for XX/XX/2022 and no access to my funds. I missed half a day of work on the phone with the bank and at their cafe branch located in XXXX WA. trying to get help with getting my funds before I leave. I was able to obtain {$2000.00} of my balance but had to pay {$20.00} to get the remaining balance mailed to me. Which I still may not get until after I am already gone on my trip. I was told when I was finally able to reach someone that an internal investigation happened and that they decided not to allow me to have an account with them any longer. I have been a bank account holder with them since ING Direct was the initial banking institution. How I have been treated and handled with all of this seems very retaliatory. Furthermore, I have a direct deposit that was scheduled to hit the account on XX/XX/XXXX and have had to try to stop that, and now I have to possibly wait XXXX  days for a check to be sent to me if they don't reject the direct deposit. Either way, I will not get my paycheck as I expected the day of my trip and have to wait with the hope that I receive the check with the remainder of the funds before I leave. I can not get a refund on my ticket for my flight or hotel room nor can I change it. That being said I am not going to get paid on Friday which is my pay date and I am at their leisure when it comes to when the rest of my funds will be received.
Product: Debt collection

Lady named XXXX XXXX from regional processing services called me was really rude to me said that they are perusing me for malicious tempt for fraud. I 've contacted the loan place I know I have a past due loan but even I 'm not the only one who complained about this lady and even the original loan place said it seems suspicious. The number the lady calls me from is XXXX she answers the phone every time. I 'm upset please help.
Product: Credit card or prepaid card

This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The JPMCB CARD XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 


JPMCB CARD XXXX
Product: Credit reporting

Synchrony Financial checked my credit without my authorization. On XX/XX/2017, I sent them a letter on requesting they remove it. Their response was to send them a current copy of my credit report and they will contact me.
Product: Credit reporting or other personal consumer reports

whom it may concern, upon further revien of my credit report, there appears to be XXXX out of XXXX hard inquiries on my report in which I did not authorize or give permission for nor do l recognize them out of the XXXX the only XXXX l recognize is the XXXX XXXX  XXXX for when l opened my account with them. 


Inquiry details THAT WHERE NOT OF MY KNOWLEDGE OR AUTHORIZATION FACTUAL DATA ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

After COVID forebearance I filled out PAHAF almost lost my home to foreclosure. Had to agree to get 2 % interest rate increase plus XXXX XXXX added to my mortgage balance because government launched program failed me. What can I do
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. I AM A CONSUMER AS IDENTIFIED IN FDCPA 15 USC 1692A ( 3 ) AND I HAVE A RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 ( A ) ( 4 ). YOU, XXXX ARE IN VIOLATION 15 USC 1681i ( 7 ) and 15 USC 1681i ( 6 ), FAILURE TO PROVIDE NOTICE AND RESULTS OF REINVESTIGATION PROCEDURES. PLEASE RESPOND IN 15 DAYS TO INFORMATION PROVIDED IN ATTACHMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following accounts have violated my rights : Listed as appeared on credit report- XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S. Code 1681b - Permissible purposes of consumer reports
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the Doctrine of Estoppel by silence, XXXX XXXX ( MO ) XXXX XXXX XXXX, I Presume that no proof of the Alleged Debt nor therefore any such Debt in fact therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple negative charges that have been disputed and even closed but not taken off my report. 
Accounts that I have disputed that are still on my account and now not letting me move forward with disputing. 
Changing names of reports. 
Different reports from each company.
Product: Debt collection

XXXX XXXX started to call me, my family, and friends repeatedly since yesterday, XXXX/XXXX/17. He has been asked to not call and continues to call. It has caused XXXX, XXXX, and XXXX on our family when we have enough already going on with our XXXX XXXX son. I have no idea what he wants and who he is looking for. This harassment needs to stop!!!
Product: Credit reporting or other personal consumer reports

I want the account removed from my reports at the XXXX credit agencies within XXXX hours of this complaint. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered CPA to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information given to another company. I want the account removed as I will be getting an audit done if not removed within XXXX hours from all XXXX credit agencies. I also filed a XXXX and the IRS have that as well. The XXXX XXXX did not send me copy b back. I will also be filing a XXXX form due to that as well if this account is not removed from my report and the title of the vehicle needs to be mailed to me also. 

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

I tried to submit a dispute with Transunion online. I was unable their has been a problem with their site for the longest. I had to actually call in the dispute. When I did speak to a rep and submit the dispute via phone, the results were back within the week. They didnt even try to investigate this issue. I have had this same collection removed from my XXXX and XXXX. This same collection was removed once before on my Transunion on XX/XX/2022. Im not sure why its back on there now and they will not remove it. I had tried three times now.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any ITEMS which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX* Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; DEPT OF ED XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my continued dissatisfaction and concern regarding the handling of my numerous attempt to follow up on the removal of fraudulent items from my credit file. Despite my persistent efforts and the submission of substantial evidence supporting the fraudulent nature of these items, I have yet to receive a satisfactory resolution to this pressing issue. 

As you are well aware, fraudulent items on a credit report can have severe consequences, impacting an individual 's financial stability and credibility. It is imperative that such matters are addressed promptly and with the utmost seriousness. 

This ongoing lack of accountability and transparency has left me feeling helpless and betrayed by your company 's inability to handle this matter effectively. With this, I am asking for your assistance to remove these fraud items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XXXX I went to Wells Fargo to do a wire transfer of {$36000.00} to my XXXX XXXX XXXX account. The wire transfer was completed and 5 minutes later I after I left I got a call saying that I needed to come back because the rep forgot to include my account number the money was going to. I came back and they amended the transfer. Monday comes around and the money is still nowhere to be found and not in my XXXX XXXX XXXX account. I call Wells Fargo Monday XX/XX/XXXX and they say the money was sent. XX/XX/XXXX I check my account and there is still no money. So I call XXXX XXXX to see if they can see the incoming wire transfer, they see it and tell me that the account number was missing, routing number in the wrong spot, no beneficiary except the banks name so they rejected it and sent it back to Wells Fargo. Wells Fargo calls and tells me there is an error and that I need to come back in to redo the wire. So I come back in only for them to tell me we cant redo the wire until the money is put back in my account. They call in to escalate and they are told it wont be in my account before Friday but roughly gave me no time frame. I leave angrily and go to another branch to get confirmation and they did their best to help but ultimately I still left with little to no answers other than just to wait. So my money is currently sitting in limbo with Wells Fargo even though I got confirmation that the wire was sent back. All of this mind you while I have to make a large payment in the account my money was going to.
Product: Mortgage

NEW-REZ / Shellpoint mortgage servicing is not following their own published guidelines with regard to endorsing and returning my insurance claim check 's from Hurricane IAN. 
MY claim is under XXXX and they demand an adjuster 's report. This is not required documentation for claims under XXXX as stated right on their claims policy. 
They then dispute the amounts on the adjuster 's report and reach out directly to the adjusters without including me in any correspondence and without my knowledge. 
They refuse to endorse and return my checks.
Product: Credit card

Date of the transaction is XX/XX/year>. The amount is XXXX dollars. Merchant is from the country of XXXX, and they mentioned funds have been released. Chime Financial Inc has made a statement on facilitating the release of the funds Immediately if the merchant provides a reference number between XXXX to XXXX digits but merchant who is XXXX did not provide such reference number they are not collaborating and fulfilling their original timeframe for funds to be released of no later than XXXX business days.
Product: Credit reporting or other personal consumer reports

5 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN.
Product: Mortgage

I had hail damage done to my home on XX/XX/2015 my insurance co. sent me a check in owcen and my name XX/XX/XXXX I sent the check via XXXX nextday.I had faxed my docs over on XX/XX/2015 I called everyday to check if they had everything they needed.everytime I called all I got was no they have not been loaded onto the system call back XXXX. Ocwen got the check on XXXX XXXX called that same day same thing no docs. called again on XX/XX/XXXX, Monday after XXXX still no docs I talked with maybe XXXX different supervisors XXXX told me to fax the docs.to XXXX I tried this number and it was not a working number .then in the afternoon on XX/XX/XXXX I spoked with a person named XXXX I told him the XXXX # I faxed the docs to on was XXXX and the other # XXXX he said that # was not being used someone gave me an incorrect #. 
he searched for the docs.that 's when he said for me to email the docs I asked him to email me to confirm he got them, he stated he could not do that but he would give me a call well he did email me that he got the docs. finally. now the XXXX XXXX guys I spoked with earlier promised me they would expedite the process. I called again on the XX/XX/XXXX this agent was XXXX he was just rattling words making no sense at all. Keep in mind I had to wait 7 weeks for XXXX to approve my claim meanwhile it 's been raining and my roof is leaking and moisture is building up in my walls my carpet is ripped due to water. the people who dried it ripped the carpet tore out the installation from the walls the cover on the roof is an eye sore the homeowners assoc. will soon be writing me for that soon. I am sooo fed up with dealing with these people at ocwen. they are not considerate of my needs during this difficult time. I need help something needs to be done this is a crisis.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute on XX/XX/2021 with the following credit bureaus stating that the following items attached to this message did not belong to me and has inaccurately been placed on my account. I requested for them to please remove the items, however, no response. 
The credit companies are not complying with their on company policies within a timely manner.
Product: Credit reporting or other personal consumer reports

Since XXXX, XXXX has consistently failed to provide the accurate date of the last activity and the closure date for a closed credit card on my Equifax consumer profile as requested. Despite numerous disputes with Equifax, they have informed me that only direct input from XXXX can rectify this issue. 

Equifax has also extended the removal date for this account to 10 years from XX/XX/XXXX, even though the account was closed in XX/XX/XXXX and fully paid in XX/XX/XXXX. 

Furthermore, after speaking to a XXXX representative in XX/XX/XXXX, they informed me that the dispute processed in XX/XX/XXXX was not properly processed by XXXX even though their response to the Consumer Finance Protection Bureau and Equifax states otherwise, rendering the letter sent to me and Equifax invalid. XXXX continues to send letters stating " updated payment history, '' instead of correcting the information requested. Equifax and XXXX 's continued reporting of inaccurate information, particularly regarding the date of last activity and closure date for the closed account, is a violation of consumer protection laws. XXXX promptly resolved the matter following my initial dispute and is now accurately reporting the account. It is imperative that credit reporting agencies maintain uniformity in reporting consistent and accurate information for all accounts across all credit bureaus, or the removal of such information becomes crucial. 

I'd also like to emphasize that after reaching out to the office of XXXX 's CEO, I received a letter instructing me not to contact XXXX again regarding this account. This raises concerns about how XXXX is handling customer issues that impact their credit reports.
Product: Credit reporting or other personal consumer reports

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Debt collection

I received notification today that a collection was added to my credit report in the amount of {$520.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports This is a violation of my rights and I want this alleged debt removed from my credit report immediately
Product: Debt collection

I am a victim of identity theft. The following accounts were opened without my knowledge, consent, or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, Inc and XXXX XXXX XXXX has been sent letters and called numerous times about fraudulent activity that has been listed on my credit report. I have asked for verification paperwork and they will sometimes send stuff and sometimes it's limited.Also they sent paperwork once but could not produce a signature or video or anything to show that I started the accounts. 

The US Government was involved in a big case about my information and a few other people who information was stolen. It included our social security cards, drivers license etc. I even had money come up not going into my accounts due to the fraud situations. They was shopping and everything with my work check. I submitted information to the creditors but they still never investigated the incidents but instead stated it was verified. 

They keep asking for affidavits but if the federal government wasn't able to find the people involved why would I keep doing this. They have violated rules and regulations thereunder, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the rules and regulations thereunder, Arkansas General Business Law because they state checks was deposited into my checking account. They are improperly holding me liable for the fraud on an account; failing to delete inaccurate, derogatory information from credit reporting legal obligations and negative reporting. 

I was forced to relocate across the country and was effectively forced out of the mainstream banking system. Because defendants like this and XXXX violated the FCRA and the rules and regulations thereunder, the Arkansas Fair Credit Reporting Act ( Arkansas General Business Law ) ( AR FCRA ), and state common law, by failing to properly reinvestigate my disputes of inaccurate, derogatory information on my report and by misreporting and failing to delete inaccurate information on my report, thus damaging my ability to open a bank account etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a Consumer thats protected by FDCPA this request is to removed the following inquiries/accounts on my Consumer Report for I have not given my consent to furnish this on my Consumer Report per 15 USC 1681 ( B ). And I am also exercising my right to privacy under 15 USC 1681 ( A ) ( 4 ). Reporting this information on my Consumer Report is also a Violation of 15 USC 6802 ( B ) 1 ( A ), ( B ), ( C ) I was never given the opportunity from your agency to have my personal information block from being expose. Below you will find a list of inquiries/accounts I would like deleted from my Consumer Report ; Collection Accounts : XXXX XXXX  Account Number : XXXX Collection Opened : XX/XX/XXXX Balance : {$1800.00} Reporting on ; XXXX/EXPERIAN XXXX XXXX Account Number XXXX XXXX Collection Opened : XX/XX/XXXX Balance : {$730.00} Reporting on ; EXPERIAN XXXX XXXX XXXX Account Number XXXX XXXX Collection Opened : XX/XX/XXXX Balance : {$84.00} Reporting on ; EXPERIAN/XXXX XXXX XXXX  Account Number : XXXX Collection Opened XXXX XX/XX/XXXX Balance : {$680.00} Reporting on ; EXPERIAN/XXXX INQUIRIES : Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX EXPERIAN Inquiry Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX EXPERIAN Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX EXPERIAN Inquiry Name : XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX
Product: Debt collection

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus are reporting inaccurate information on NATIONAL CREDIT ADJUSTERS ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. XXXXXXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00}