23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

The date of XX/XX/2019 I Checked my credit report when I noticed a derogatory mark on my report from a XXXX/XXXX card With an existing Balance of {$4100.00} used out of XXXX that I had not known existed nor was I in the know of the account being used. My Name, XXXX XXXX XXXX. ADDRESS XXXX XXXX XXXX  XXXX OH, XXXX. I am filing a complaint to dispute all existing accounts that continue to reflect on my report but are not my accounts and am asking that proof is shown that these accounts are in fact mine. Under Section 609, credit reporting agencies are required to disclose certain information to consumers who request it. Verifiable Proof. 

XXXX XXXX UNVERIFIED ACCOUNT XXXX   UNVERIFIED ACCOUNT XXXX  UNVERIFIED ACCOUNT XXXX XXXX UNVERIFIED ACCOUNT XXXX UNVERIFIED ACCOUNT These are the accounts here stated are the accounts that continue to reflect on my report but are not accurate. I would like to request all accounts off of my report that I have stated here and after the process of deletion. 

My Identity has obviously been compromised by another party and will be reported as theft and a security breach concern. I would like to ask all that is verifiable in correspondence to these accounts be disclosed as evidence of the genitive case. If These here derogatory marks aren't responded by XX/XX/2019 With verifiable proof disclosed then I would like all unverified matters to be removed from my credit report.
Product: Credit card or prepaid card

XX/XX/20 I made a purchase at XXXX for {$2800.00}. After shipping delays, I received the wrong item before receiving the correct item and returned it on XX/XX/20 back to the XXXX XXXX physical store XXXX XXXX XXXX XXXX, XXXX, FL XXXX. I was promised a refund. None has been issued to me. XXXX XXXX has a record of my return. I filed a dispute with Apple Goldman Sachs card due to no refund. Apple Goldman Ssachs has failed to investigate this matter instead just simply telling me different reasons over the last 6 months why this charge was valid. They have failed to listen, to document, and to investigate this matter. Per federal regulations, did not acknowledge my complaint in writing. The credit card company is legally required to investigate the dispute and resolve it within 90 days after receiving the claim. I filed the claim on XX/XX/20. I have not received any letter from them and any details to their investigation. They are way past the 90 days. They have reapplied the amount to my credit card and every-time I call I receive a promise of a manager to call me who never does. This is why I am reaching out to the FCPB and requesting your help to recover the original {$2800.00} and the penalty in the same amount for a total of {$5700.00}. Please note Apple has denied to give me my card number and you habe to look me up via my SSN XXXX. Card info : Apple Card - No Fees apply.applecard.apple/ issued by Goldman Sachs
Product: Mortgage

XX/XX/XXXX, we were scammed by a company offering to get us a modification of our ARM mortgage. Our mortgage servicer at that time was AHMSI. We received approval for our mod., made our first three trial payments on time, then were informed by AHMSI that we were denied ( after being approved, sending in our XXXX signed, notarized copies, and receiving back the signed copy from AHMSI ) because they had not received " required documents '' ( income tax returns ) that had been sent in numerous times, including the copies given to their field representative in person, who sent them via ups red, with a tracking number. After that they tried to foreclose on us. 
At that point, I contacted HUD, who contacted AHMSI, and they agreed to do an " inhouse '' modification, and though the terms were not as advantageous, we agreed to, out of fear of losing our home. We made the three payments, but after that, when trying to make a payment by phone, our payment was rejected, the operator informing us that we were in pre-foreclosure ... ..it took two more years before the sheriff arrived at our door with foreclosure papers ... .during that time, apparently our loan was sold to OCWEN, and we had no idea ... ..we were never notified of this event. 
XX/XX/XXXX, we went to court, and the council for the bank urged us to sign a consent judgement to buy us 120 days to get a loan modification. We agreed, as we thought we did n't have a choice, but since the attorney did n't have the proper paperwork, we did n't sign anything. 
We had already submitted the loan mod. paperwork to Ocwen, although they claimed not to have received it, so we handed a copy to their attorney. 
Ocwen approved us for their SAM modification, so we immediately signed, notarized and sent in, via certified mail, the appropriate documents, and also sent in the initial payment 6 weeks early. Meanwhile, their attorney continued to insist that we HAD to sign the consent judgement agreement, which, I believe is considered dual tracking ... 
Ocwen mis-applied our payment, and we have been receiving phone calls from them, as well as emails from their attorney asking if we intend to make the XX/XX/XXXX payment, which we made XX/XX/XXXX. 
I responded to their attorney with the corrected info, and she responded to me that I was correct, and that Ocwen was asking about our XX/XX/XXXX payment, which is n't due for weeks! 
How can they harass us for a payment that is n't even due yet, when we made a payment six weeks early?
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 1601, its crucial for consumers like myself to be fully informed about the terms of any credit we take on. Unfortunately, I dont feel that I was provided with clear and complete information about the terms of my student loan when I initially agreed to it. This has led to decisions that I might not have made had I been better informed.

Im also concerned about how my personal information is being handled. Under 15 U.S. Code 6801 and 6802, financial institutions are required to protect my nonpublic personal information and ensure that Im given a clear opportunity to opt out of sharing this information with third parties. Im not certain that this was done in my case, and Im worried that my data may have been shared without my full consent
Product: Credit reporting or other personal consumer reports

I noticed late payments on my credit report that don't match my usual record. Kindly correct and update my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report from transunion is inaccurate and everytime over the last year my credit is pulled they are reporting inaccurate information causing me to get declined. transunion is slow to do anything, transunion has also caused a credit account to close after 90 of no usage referencing my score and time of accts and history balance. Im under 30 % DTI they are not reporting this, i have had credit for over 3yrs and my score is over 675. Well transunion is the one reporting these things thats are wrong causing my inquiry 's to build because they wont approve my loans, then saying to many inquirys. This seems abusive because the other two are reporting accurate history under 27 % DTI 100  % on time payments minimal inquiries because they are trying to help for real. I can see that they want me to sign up for their service to help but they should just do there job and report accurate. 

My score should be reporting over 700 like my other credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by the law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C Sec.1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you pease check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

I DEMAND THE FOLLOWING ACCOUNTS TO BE VERIFIED OR REMOVED IMMEDIATELY. 

Name of account Account number XXXX XXXX XXXX XXXX Name of account Account number XXXX XXXX XXXX XXXX Name of Account Account number Preferred Lease. XXXX XXXX Cancel contracts. Please provide the original contract or delete. 

I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 



In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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

I was working with a lady at guaranteed rate of XXXX, va she had my file working on this and it was sort of long time well she pre approved me and then it was some time later she said over the phone i got denied not letter of this was given to me then i get a phone call she left my file undone and someone else took it over later to be told my credit score dropped and i was denied again and got a letter if they would not of took there time on this loan it would of went thru it cost me my forever home. Something to look forward to with my grandchildren so i am upset they took there time.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This is your final notice. I am demanding an immediate and thorough explanation of every step your agency has taken to ensure the items on my credit report are 100 % accurate, as mandated by 15 U.S.C. 1681i ( 7 ). Under this law, you are legally required to provide me, within 15 days, a full description of your reinvestigation procedure, including the names, addresses, and telephone numbers of every furnisher of information you contacted to verify these disputed items.

I have previously notified your agency that I am a victim of a Data Breach/Identity Theft. I have also filed an FTC Report, confirming my status as a victim. Despite my explicit demand that you block and remove all fraudulent information from my credit report under 15 U.S.C. 1681c-2 ( c ) ( a ), you have negligently failed to comply. This is a gross violation of federal law and my consumer rights. 

The following item remains wrongfully listed on my credit report, and I demand it be removed immediately : XXXX XXXX XXXX XXXXXXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be updated as agreed this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXXXXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be updated as agreed this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXXXXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, and the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be updated as agreed this payment history. Else, DELETE this account immediately!
Product: Credit reporting or other personal consumer reports

I was a victim of Identity theft and I believe someone applied for credit cards from XXXXXXXX XXXX and XXXX XXXX using my information and SSN. I want these inquiries to be removed, and any transactions on my credit report made on XX/XX/XXXX to be disputed since I was not responsible for any of them. They also got a hold of my credit card and bank documents from XXXX which I believe allowed them to get my details and SSN somehow.
Product: Debt collection

XX/XX/year> I requested a signed contract with my signature, which I never received. I also made a complaint with the XXXX  on XX/XX/year>.
Product: Debt collection

Last month I found a collection account in my credit report there was medical bill amount {$1000.00} charge date XX/XX/2017. 
Current Creditor XXXX XXXX XXXX XXXX Original Creditor ; XXXX XXXX XXXX Contract ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the information reported on my credit file. Despite multiple attempts to resolve these reporting issues, the inaccuracies remain unaddressed. I have enclosed a detailed description of the specific issues, along with the relevant violations of the Fair Credit Reporting Act ( FCRA ), METRO2, and the Code of Federal Regulations ( CFR ).

I urge you to conduct a thorough investigation and rectify these inaccuracies promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed of some negative information on my report. I am aware that consumer reporting agencies have assumed a vital role and have a grave responsibility to protect my right to privacy. I am challenging the accuracy and compliance. I challenge the consumer reporting agency to documentation along with my signature. The failure to provide documentation is a violation of the FCRA and it is considered identity theft for the use of any information without the consent or written instruction of the consumer. The following accounts should be removed immediately without proof of documentation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I also have an identity theft report for the inquiries that should be removed. The following : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  I will seek remedy for any negligent and willful noncompliance.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX I wired {$70000.00} to Coinbase from Coinbase I moved the money to Coinbases other platform XXXX where my money has been locked up since XXXX XXXX XXXX. I can not login in to the account or access any of my {$80000.00} in the account. I have called over 10 times and emailed them 7 times. They keep making excuses for why the account has n't been unlocked. I have contacted a lawyer and plan on sending them a letter. Which cost {$1500.00} from a lawyer. Please help me resolve this issues.
Product: Credit card or prepaid card

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX CAPITAL ONE BANK USA NA XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX RE : Account # XXXX Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XXXX XXXX I purchased a vehicle from XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, GA XXXX for XXXX the vehicle was later voluntary repossessed and subsequently sold. I was never notified about the price of the vehicle which was later charged off. I requested several times for sell date and sell amount. I later have several different balances that I was informed that I am currently being charged for with not detailed legal amount. Those amounts are XXXX and a initial amount of XXXX which I know is incorrect. I would like for you to remove this incorrect data which has impeding me from obtaining any credit for erroneous information which was never provided to me in accordance FCRA, and FATA. Thank you and please update and correct and remove. 

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

AS STATED ON MY PREVIOUS COMPLAINT, EXPERIAN REFUSES TO HANDLE MY COMPLAINT AND UPDATES WITH THE FALLOWING " Thank you for submitting your complaint on XX/XX/2019, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. Unfortunately, at this time, we are unable to process your disputes, as they are not specific. If there is information appearing on a credit profile that is believed to be inaccurate or incomplete, we must have a specific dispute. We are in the process of mailing you a current copy of your personal credit report for review. Please note that mailed correspondence may take up to 10 days for delivery through the US Postal system. In order to properly address your concerns, please contact Experian directly with your specific disputes, along with the names and/or account numbers of the items being disputed, and we will proceed accordingly. '' i WILL GO AHEAD AND ATTACH DISPUTE HERE SO WE CAN GET TO THE BOTTOM OF THIS
Product: Credit card or prepaid card

I am writing now in wish to gain your help. At the present time I am working on going over my credit, paying down my balances, and pursuing greater credit worthiness. You play a vital part in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit agency ( XXXX, XXXX  and XXXX ) on XX/XX/2017 and I am submitting this in order to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.
Product: Credit card

I have been trying to have Chase Bank to honor my SCRA entitlements for over three years without success. I have provided all the documents in a timely manner reflecting all my periods of XXXX XXXX and the breaks in service from those orders. The last piece of information I submitted it was a certification from the XXXX XXXX XXXX XXXX ( XXXX ) certifying my entry on XXXX XXXX on XX/XX/2018, this date is after I opened my credit cards with Chase. They denied this request stating I have provided others XXXX  documents reflecting different start dates which is true because I have been in numerous deployments and were reflected in the XXXX database. 
Its unfortunate that Chase is the only financial institution denying my entitlements as a service member and keeps violating the law ( SCRA ) making it difficult to service members and veterans to take advantage of our protections.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN BATTLING A WRONGFUL AMOUNT WITH XXXX XXXX XXXX XXXX. I HAD A VEHICLE THAT WAS CONSIDER A TOTAL LOSS ON XX/XX/XXXX. AT WHICH TIME THE LOAN COMPANY ALONG WITH ANY AFFILIATED PARTIES WHERE INFORMED. I AS LONG AS THE LOAN COMPANY WAITED FOR INSURANCE TO PRODUCE THEIR DECISION AN FORWARD A CHECK TO THE LOAN COMPANY. THIS CHECK WAS NOT PRODUCED TILL XX/XX/XXXX. AT WHICH TIME PRIOR TO THE CHECK BEING PRODUCE MY BALANCE WAS XXXX. AFTER A CHECK OF XXXX WAS PROCCESSED MY REMAINING BALANCE TO PAY XXXX XXXX XXXX WAS XXXX. AN WHICH I OFFERED TO IMMEDIATELY PAY, FOR A REASON UNKNOWN AN NEVER DISCLOSED TO ME DURING A 10 MONTH WAITING PERIOD XXXX XXXX AN ITS AFFILIATES DECIDED TO REPORT NEGATIVE ON MY CREDIT REPORT AS WELL AS STATE A OWED BALANCE OF XXXX. I HAVE TRIED NUMEROUS TIMES TO CONTACT THE LOAN COMPANY AS WELL AS CREDIT BUREAU.
Product: Credit reporting or other personal consumer reports

I have sent numerous letters to Equifax trying to resolve this issue with no results in the matter. I am a victim of identity theft and i have sent supporting documents to the credit bureau. I will also attach the documents below. The accounts that are in question are : XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX Account # XXXX
Product: Debt collection

A company called DNF Associates LLC, has started a lawsuit against me for a debt that I have no knowledge of. They have hired an attorney who has started the lawsuit in Missouri and I have no idea what it is for who I owe money to and why I have not had anything sent to me in the mail or been contacted by DNF Associates.