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

Completed the form and never got a text and tried repeated times to get my credit report which is my right under Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. Under the FCRA, consumers are entitled to : XXXX free credit report per year from each of the XXXX major credit reporting agencies ( XXXX, XXXX, and TransUnion ) through AnnualCreditReport.com. 
Additional free reports under specific conditions, such as if a consumer has been denied credit, is unemployed and plans to look for work within XXXX  days, or is a victim of identity theft. 
Consumer Rights and Remedies under the FCRA If a credit bureau willfully fails to provide a consumer with access to their credit report, the FCRA allows consumers to pursue legal remedies. Specifically : Actual Damages : Consumers can recover the actual damages they suffered due to the bureau 's actions ( e.g., if they were denied credit, housing, or employment because they couldnt review or correct errors in their report ). 

Punitive Damages : The FCRA allows courts to impose punitive damages against the credit bureau for willful violations of the law. While theres no specific cap set by the FCRA on punitive damages, courts consider the severity and impact of the bureaus conduct in determining the amount, which can sometimes be substantial. 

Statutory Damages : In the case of willful noncompliance, consumers may receive statutory damages between {$100.00} and {$1000.00} per violation, even if they cant prove specific monetary harm. 

Attorneys Fees and Costs : If the consumer prevails in a lawsuit under the FCRA, they may also recover reasonable attorneys fees and costs. 

In situations where credit bureaus violate these provisions, the courts determine punitive damages based on the level of willfulness, harm caused, and any pattern of neglecting consumer rights. 


Fill out a form XXXX XXXX. Pick the reports you want. XXXX the reports you want XXXX XXXX Review your reports online. 
XXXX XXXX your reports online Get your next report or finish Have questions? 
Contact us XXXX icon Check your text messages Use the confirmation link sent to your phone ending in XXXX.
Product: Checking or savings account

On or about XX/XX/year>, Sofi bank froze my joint savings account containing a balance of over {$10000.00}. Despite repeated inquiries, the bank has failed to provide any justification for this action. 

Steps taken to resolve the issue : On XX/XX/year> my wife contacted SoFis customer support. She was informed that the issue would be fast-tracked to the complaints department. However, no action was taken on SoFi 's part. On XX/XX/year> I called SoFis customer service department. Despite my efforts, nothing was resolved. On XX/XX/year> ( approximately ) I called SoFi once more, but the issue remained unresolved. It is not XX/XX/year> and SoFi has not provided any resolution or explanation.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the XXXX XXXX as the furnisher thats forgery and misleading when the courts dont report this type of account.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Former : XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX Date : XXXX XXXX, XXXX, Source XXXX  & XXXX Company XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, WA XXXX Phone XXXX Activity Collection Department/Attorney/Agency Balance Date : XXXX XXXX, XXXX, Balance {$2400.00} XXXX XXXX XXXX I honestly do n't know who are they and they are not providing me any information. I even requested and faxed to send me a proof and no one responded and I have my faxed receipt copy.
Product: Credit reporting, credit repair services, or other personal consumer reports

M y Wife a dded me to her Target Store card Issued  by TD Ba nk last month. The card came  in 3 weeks ago ho wever I recently pulled my report and I was told that It would show up on report as an Authorized user However it has not. I was wondering if that was going to happen before months e nd (   XXXX   XXXX . )
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Experian failed to send me evidence of the accounts in question.. XXXX XXXX   XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX  XXXX ) XXXX , XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. 
I am writing in connection with a late payment reflected on my XXXX Credit Card account on XX/XX/2022. 
Note please, that as a responsible customer I have always done my best to meet the deadlines and respect the financial obligations that I have. Taking the above mentioned into consideration, I do inform you that the payment of my XXXX card dated XX/XX/2022, is no exception. Please be informed that the payment was made via phone, yet due to badly suffering from XXXX, I was unable even to collect the phone at my hands and check whether the confirmation number was received, and non receiving of the number resulted in a late payment reflected on my credit bureau reports and affecting my credit score. 
I tried to contact XXXX, explain the situation and resolve the issue with them, but unfortunately I didnt get any assistance or understanding there. 
I kindly ask you to give me a second chance and make a goodwill adjustment to remove the late payment. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debths. 
Looking forward to your prompt answer.
Product: Credit reporting or other personal consumer reports

On XX/XX/23, I pulled my XXXX XXXX credit report and noticed an unauthorized inquiry from Capital One. I am writing to complaint on Capital One because they have to permissible purpose to pull my credit report and I am concerned with the violation of privacy and the Fair Credit Reporting Act. I do not have an account with Capital One and therefore they have no right to the information contained in my credit report, I also have not applied for any of their products that would've triggered this pull. 

XXXX XXXX is allowing for companies to pull my report with no permissible purposes. 

Attached is a screenshot of their pull on XX/XX/23 from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I traded my XXXX XXXX XXXX for a XXXX XXXX at an authorized XXXX dealership. Upon the trade the dealership was suppose to pay off my old car. My financing company for the XXXX began calling me about late payments which confused me because the car should have been paid off in full by my new financing company. I was in full communication with both companies for weeks about this error and was assured this should not affect my credit. The new financing company corrected their error and paid the car off but not before negative reports were made on my credit report. The new financing company made a big mistake when it came to my trade. I was in full communication and cooperation with both companies and feel there was nothing I could have done differently so the negative report and credit scoXXXX reduction should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to account with XXXX XXXX XXXX XXXX the company has two names the account number is XXXX {$320.00} I have sent countless letters to the company and informed them this item doesnt belong to me. However, the company continues to report the debt. I provided an affidavit and after calling I spoke to a representative I was informed they never received a letter from me. So I've attached the affidavit hoping that we can have some type of resolution.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment with the ongoing issue concerning the removal of fraudulent items from my record, despite my several attempt to rectify the situation. Despite providing comprehensive evidence and diligently following the prescribed procedures, it is deeply concerning that the problem persists without resolution. 

I urge you to prioritize this matter with the utmost urgency and take immediate steps to remove the fraudulent items from my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Owed : {$320.00} ; XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX.
Product: Mortgage

Caliber Home Loans has filed a Notice Motion And Motion For Relief From Automatic Stay Under 11 U.S.C. 362 with supporting declarations XXXX XXXX. Movant : XXXX Bank Trust XXXX. for XXXX Master Participation Trust BY Caliber Home Loans , Inc., as its attorney in factThis action is based on XXXX months non payment which is in error.
Product: Credit card

I asked Affirm credit card company several times to close my account. It has been paid and has a XXXX balance. They refuse. I asked for a supervisor that could help. I was always told I was being transfered and left on eternal hold or hung up on. I requested the corporate phone number and again they refused and just repeated the same things over again. 

Now they send me ads to try and get me to make purchases and get back into debt. If I want my account closed I should be able to have that done. They have been rude, unreasonable and fraudulant.
Product: Vehicle loan or lease

Got a repossession couldnt pay my car note. They sold the car and didnt tell me, the deficiency balance is not on my credit report and they are charging me interest for a car they sold
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.C 1681c. ( a ) ( S ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions or crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

These inaccuracies are hindering me from future lines of credit.
Product: Debt collection

a few years ago i saw a collection on my credit report from a company from XXXX XXXX assc, i disputed the claim several times as i truly did not know where this came from. last year ( XX/XX/2017 ) i sent a written letter asking under the FDCPA rules to send me proof from the original creditor that this debt was mine i never heard back from them. i disputed this several more times. Today i called them at XXXX spoke to an assc on a recorded line ( they record the calls ) where he stated they received the letter however an official response was never sent to me. I have attached the letter i sent to them and they will confirm this by the recorded call that it was received. As i understand the rules if a response is not given in a time frame this is to be removed from all of my credit reports. i made 3 written attempts with no response
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe i was subject to identity theft, there are accounts on my credit report that i do not recognize. These accounts do not belong to me. 

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

Hello! 
To whom it may concern : My name is XXXX XXXX. I live in XXXX TN. 
On XX/XX/2023 I went to XXXX XXXX XXXX. In XXXX I bought Western Union Money Order for amount {$740.00} ( Serial Number : XXXX ). 
And then I continued shopping in XXXX, during this shopping I lost my money order somewhere. When I realized its gone I went to the person who had sold money order to me. He gave me money order serial number and said that I need to call Western Union Customer Support Center. When I got back home I started to call this Center. I reached out your agent and he said he put stop payment on this money order. He also sent me paperwork that I needed to do and mail it to Western Union. 
I finished this paperwork and mailed it to you. This paperwork was delivered to Western Union on XX/XX/2023, I have USPS Tracking number to prove it. 
So I called WU customer service many times. I also mailed them lots of letters including one with paperwork they requested. They keep ignoring me badly and hold my money. I just think they want to steal my money from my family!!! 
I need your help to get my money back!!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

Nationstar has a sale date on my home for XXXX XXXX, XX/XX/XXXX the Notice of XXXX was filed illegally with the wrong amount on it. The past due amount we were given was {$230000.00}, the Notice of Default which was filed 5 days prior the amount was {$310000.00} there was a XXXX difference increase without any justification. We challenged the validity of the debt which was never resolved, our loan was transferred by XXXX XXXX XXXX without a decision for 3 years to Nationstar, we filed a complaint # XXXX on XXXX/XXXX/XX/XX/XXXX The Notice of Default trustee was XXXX XXXX XXXX XXXX. The Trustee has changed to XXXX XXXX XXXX XXXX XXXX XXXX without any notice of a change of Trustee.
Product: Debt collection

Dear Sir or Madam, I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation XXXX XXXX XXXX : XXXX. Validation of the Debt ( the actual accounting ) ; XXXX. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ; Uniform Commercial Codes ; Federal Fair Credit Reporting Act ; and Oklahoma State Statues for Lawful Purposes. 
XXXX. A copy of the contract signed by both parties and therefore binding both parties. 
XXXX. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. 
XXXX. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Money Laundering Regulations 2007 and what actions s/he has taken in relation to this account. 

I hereby give you ten ( 10 ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud, or mischief. Your said failure to provide the aforementioned documentation within ten ( 10 ) days from the above date, to validate the debt, will constitute your agreement to the following terms : -That the debt did not exist in the first place ; or -It has already been paid in full, AND -That any damages suffered, you will be held culpable ; -That any negative remarks made to a credit reference agency will be removed ; -You will no longer pursue this matter any further. 
-You agree to pay all fee schedules. 

Please Note : I wish to deal with this matter in writing and I do not give your organization permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute 'harassment ' and I may take action under Section 1 of the Protection from Harassment Act 1997 and the Administration of Justice Act 1970 XXXX, which makes it a Criminal Offense for a creditor or a creditor 's agent to make demands ( for money ), which are aimed at causing 'alarm, distress, or humiliation ; because of their frequency or manner. 

Best Regards, by : XXXX : XXXX XXXX XXXX grantee, beneficiary All Rights Reserved
Product: Debt collection

This debt was paid off via bill consolidation with XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This started when I received a credit alert both from my bank XXXX XXXX and XXXX XXXX stating that my credit score had changed. After checking the score I found this had nose dived from near perfect to the low 700s. Upon further checking with XXXX I noticed I had been put in for collection for an amount of {$1300.00} by a company called XXXX XXXX/ XXXX XXXX XXXX / XXXX XXXX NJ XXXX on behalf of their client " XXXX XXXX  ''. Not only do I not have any account with XXXX XXXX  - and never have - but I have also never been contacted by XXXX XXXX directly, as I said the only reason I even knew about this was because of the credit alerts from XXXX and XXXX. I have spoked to Experian and opened a fraud dispute which will take 30 days to resolve, and I will do the same with XXXX and XXXX. This is complete fraud and a review of XXXX on the local XXXX XXXX XXXX reveals that they have had 80 complaints about their business practices in 2022 alone, including an identical situation to mine involving XXXX XXXX, which leads me to question as to whether this XXXX is in cahoots with their clients attempting to extort money from unsuspecting victims. I need this to be removed from all credit reports and an investigation should be launched into business practices of XXXX Experian confirmed they will investigate under report # XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$16000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX, am filing this CFPB compalint in reference to disputes. That were sent cerified to the three major credit bureaus. XXXX, Trans Union, and XXXX in the filing of these disputes for request for reinvestigation I never got any results from my dispute for reinvestigation. I sent my disputes by certified mail, and yet I was not provided any information back at all. 
XXXX, Trans Union, and XXXX XXXX XXXX XXXX XXXX Have violated my constitutional Rights under FCRA , 15 USC 1681Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is accurate and recvord the current status of the disputed information, or delete the item from my file before the end of the 30 day period beginning on the date you received this notice. 
My didpute was sent by certified mail, I demanded to see verifiable proof ( This should have beeen hard evidence that goes all the way back to the original creditor, not verification from a third-party database. 
The three major credit bureaus, XXXX, Trans Union, and XXXX XXXX XXXX XXXX XXXX Have continually violated my rights by continual noncompliance as it relates to violation of the FCRA 15 USC 1681. 

( See attached uploaded disputes violations ). 

As, of the sending of this CFPB complaint, I will be following up with the filing of Civil lawsuits. Against the creditors and the three major credit bureaus, for the violation of my federal constitutional rights.
Product: Mortgage

After refinancing my home in   XXXX   XXXX     with a different lender, I had a escrow surplus with my old lender Ditech. On   XXXX   XXXX   XXXX     I was e-mailed by them informing me that I have a surplus due me in the amount of  XXXX  for which to this date I have not received. For nearly 3 months I have spoken with  6 c ustomer reps and  4  managers to no avail.     XXXX   XXXX   XXXX     they informed me that they sent the check to the wrong addres s, 2  weeks later it was in the mail being reissued , 2  more weeks have passed with no check, this time I was told to give it time. This went on with me talking to managers  XXXX ,  XXXX ,  XXXX  or  XXXX  and last but not least a supervisor name  XXXX  who uttered the words " what is it that you want me to do '' ; " remit  XXXX  to me '' I said. still no check.   On   XXXX   XXXX   XXXX   I spoke to a rep name  XXXX . This  XXXX  informed me that her  manager  named,  XXXX  instructed her to obtain my checking account information so that this amount can be deposited into my account, this was my routing and account number, now here is the scariest and nervous moment thru all they 've put me through I still have n't seen no deposit into my account. This gives me sleepless nights, in addition to nearly 3 months of this horrible experience my checking info is somewhere floating around. Ditech whom I thought was a stellar performer when it came to customer service turns out to be all but that.   It seems  on  e hand has no clue on what the other one is doi ng.   STILL NO CHECK.