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

My credit score drop with this company when I disputed incorrect information once the company removed it off my report my score didn't go back to what it was at first
Product: Money transfer, virtual currency, or money service

I sent XXXX dollars to my wife in XXXX via XXXX XXXX. The store that made the transaction for XXXX XXXX is " XXXX XXXX '' XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX. the money transfer was made XXXX XXXX th XXXX. To this day the money is " missing '' and XXXX XXXX  representatives dont answer phone calls. Please help me, i need this money for medicin for my wife. Thank you for your time.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX  XXXX - Date Opened XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to express my **extreme frustration** with your blatant **failure to comply** with the **Fair Credit Reporting Act ( FCRA ) **, specifically **Section 605B**, which mandates the **blocking** of fraudulent accounts resulting from **identity theft**. Despite my repeated attempts to dispute accounts related to XXXXidentity theft**, TransUnion has **failed to properly investigate** these accounts, and I am **outraged** by your blatant disregard for the law. 

You can clearly look at the time accounts were opened I still resided in Florida it's literally on my id and these accounts are associates with virginia addresses!!! 

I am a true victim of identity theft and been dealing with face accounts, credit accounts and bank accounts for 7 years now. I done my investigation on each account and would like for this to be properly investigated and resolve appropriately following fcra law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Act, XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX # XXXX, have 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 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, LA XXXX Re : Social Security Number XXXX XX/XX/year> To Whom It May Concern : I am writing to challenge the reporting and compliance of my credit report.

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, 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 by such agency of. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete all items mentioned in my FTC report off my credit report.

These accounts should not be furnished on my consumer report as they are in VIOLATION Under 15 U.S. Code 1681b a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have NEVER given any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of all FRAUDULENT IMMEDIATELY! 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, LA XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX  ACCOUNTS listed in my FTC report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint on my own behalf. There is no third party involved Capitol one is stating that I am late on a credit card I NEVER activated or used. As the consumer and the original creditor I have been treated unfair and my credit report has been damaged in the process. The Fair Credit Reporting Act statue code 15 USC 1681 ( 2 ) ( b ) states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card shall be EXCLUDED from a consumer credit report and capitol one is in violation of this subsection of the FCRA. I DO NOT consent to to them furnishing this information o my credit report.
Product: Money transfer, virtual currency, or money service

I am writing to bring to your attention a concerning issue related to a recent transaction conducted through the Remitly APP using my Bank XXXX XXXX XXXX The details of the transaction are as follows : Date of Transfer : XX/XX/2023 Time of Transfer : XXXX PM EST Amount : {$6900.00} Original Recipient : XXXX XXXX XXXX XXXX Original Reference Number by Remitly : XXXX I opted for the express delivery service, which the merchant ( Remitly ) failed to fulfill within the specified timeframe. Subsequently, the merchant requested additional personal information, including my documents such as Social Security, XXXX, and Driver 's License, to verify my identity and transaction details. Despite providing the required information promptly, the transfer did not occur as promised. 

Following numerous attempts to seek updates on my transfer, I received an email and text from Remitly, dated XX/XX/2023, at XXXX PM EST, confirming the completion of the transfer. However, to my dismay, the recipient 's name had been changed to XXXX XXXX XXXX XXXX, and a new reference number, XXXX, was assigned, without my authorization or consent. I hereby declare that I do not know the individual named XXXX XXXX XXXX XXXX, and I have no relationship or association with him. The unauthorized change of the recipient 's name to XXXX XXXX XXXX XXXX in the Remitly transfer is a matter of serious concern, and I affirm that I did not initiate or approve any such alteration to my transaction. 
I immediately contacted Remitly seeking an explanation for this unauthorized change and requested a refund since it contradicted the original terms and conditions agreed upon during the transaction. In response, Remitly closed my account, initiated a claim on file, and instructed me to contact my bank for further assistance. Despite my inquiries, Remitly has not provided any explanation for the change in recipient and reference number. This was an internal fraud by Remitly.

I would like to emphasize that, as per Remitly 's terms and conditions, any alterations to a transfer are prohibited after the transfer receipt or upon reviewing. I did not authorize or initiate any changes to my transaction. The actions taken by Remitly are in clear violation of the agreed-upon terms.

I kindly request to investigate this matter thoroughly, retrieve the funds transferred erroneously, and take appropriate action against Remitly for their unauthorized changes and failure to comply with agreed-upon terms. I am more than willing to provide any additional information or documentation required for a swift resolution of this issue. 
Thank you for your prompt attention to this matter.
Product: Mortgage

Almost five years ago I was forced to file a chapter XXXX bankruptcy after years of battling with our health insurance and XXXX bills from my wife. She had a XXXX that caused her several complications and XXXX issues that continue to date. When I filed bankruptcy we met with a attorney and explained we would like to stay in our home and he suggested we try to modify with our lender to make our payment within our budget. We requested a modification and it was done around the same time as our bk filing. Our mortgage is with Nationstar Mortgage and we have had the worst experiences with them. When we initially refinanced with them we were told we could refinance into a lower rate/payment a year after we signed on our high and adjustable rate. We called them in a year our loan officer was no longer working there and they were not FHA approved so we could n't get out of the loan we had. I requested a payoff a couple weeks ago and it shows we owe over {$250000.00} with {$50000.00} in misc fees.
Product: Credit reporting or other personal consumer reports

I have disputed this account several times. It keep coming back unchanged. This account was included in my bankruptcy filed on XX/XX/XXXX and DISCHARGED 0n XX/XX/XXXX. XXXX XXXX : XXXX. This creditor keeps reporting this account is a charge off and late on payment. If they keep reporting this way this account should be removed. or at least report the correct information. thank you
Product: Prepaid card

I have an eBay gift card with a significant balance still on it. Whenever you use an eBay gift card for the first time, it is tied to a PayPal account and can not be used with another account. However, a couple weeks ago PayPal closed my account and will not give me a reason for closing the account. They will not let me reopen the account even though I have done nothing wrong or illegal. This also means I can not use the remaining balance of my gift card. I have attempted to contact both eBay and PayPal, but both give me the runaround on whose fault it is. An eBay supervisor did point out though that PayPal should be the one taking care of this issue since the cards are linked and processed by them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : Original Creditor : XXXX XXXX XXXX  XXXXXXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan with capital one auto finance with a paid in full on XX/XX/2019. In mid XXXX I received a check from capital one auto finance for all the payment of {$340.00}. On XX/XX/2019 Capital One reported me to the credit bureau as being delinquent I called them and they said they was going to try to fix it and put in a dispute. Now on XX/XX/XXXX they reported me again as delinquent which is unfair my credit score dropped 20 points because Capital One Auto finance keep reporting me  to the credit bureau after I paid my car off and I even receive an overpayment checks from them they should not be reporting me every month As being delinquent which I was never late Plus I paid off my loan on XX/XX/XXXX in full. I need help disputing this matter to get my credit score back up thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

An application was pulled in my name for over 7 different companies and I contacted the companies and credit bureau to inform them of my identity been stolen but XX/XX/XXXX has not removed the inquiries.
Product: Mortgage

I applied for a refi with M & T bank. They sent closing documents which we signed committing to the new loan with the new loan rate and mortgage amount. They had the appraisal done. They called today XX/XX/22 and said they would not put the loan thru ( after we signed paperwork ) and that the garage was having work done and so it did not qualify. I would understand if they were not already on the loan, or if the garage was not being fixed, but this makes no sense. I worked with a man named XXXX who did not speak XXXX very well, and he seemed to have some issues with me being a XXXX  mother with XXXX children. I think I am being discriminated against, as this issue of the garage should not affect the appraisal or the loan being issued as like I said, they are already on this property. They also refused to send me the appraisal. They are saying they will not put through the refinance, or refund the money spent to do this refi of {$600.00}.
Product: Checking or savings account

My complaint is with JPMorgan bank/ Chase . I had 2 transactions that they are refusing to refund due to a scam. Over {$5000.00}. I rented a home and found out that the owners were not the owners. Real estate scam. I did not know until 2 months later after sending payments. I found out by city hall that they didn't have a active business license for the home ideas rented and the person that rented me the home was NOT THE OWNER. As soon as I found out I notified chase immediately. Disputed the transactions several times and everytime it was denied. XXXX or chase does not want to be held liable for the funds and the funds should be returned me because of it being a fraud businesses. I have fought for almost 4 months and still no funds
Product: Credit reporting, credit repair services, or other personal consumer reports

I STARTED the. personal bankruptcy process back in XXXX or XXXX. The " XXXX XXXX Firm : '' I hired to help me with it, told me that when they sent my file to the " XXXX XXXX XXXX '' they were informed that that association wanted to do an audit on my financial records before they would register the Bankruptcy. So I retracted my Bankruptcy Files and Halted the " XXXX Process '' because I did not want to go through the hassle of being audited. Evidently the XXXX XXXX " TEAM '' posted the " XXXX '' on my credit report anyway, even though I never authorized the " Bankruptcy Filing '' nor was it ever filed. Therefore, the " XXXX '' that is listed on my credit reports is not correct and it is a misrepresentation of my personal credit. It has damaged my credit severely and it continues to damage it. 

I have contacted the XXXX XXXX XXXX about this several times but they refuse to remove it even though it was never formally filed, or processed and I was never dismissed of any debts!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent items in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with the items listed below showing on my credit report. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. i have include a copy of my social security my driver license and bank statement for verification. f you are unable to verify the account with the original contract, with my signature the information should be removed from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, MD XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$840.00} XXXX XXXX XXXXXXXX Balance Owed : {$440.00} XXXX XXXX Balance Owed : {$810.00} XXXX XXXX XXXXXXXX Balance Owed : {$3300.00} XXXX XXXX XXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$420.00} XXXX XXXXXXXX Balance Owed : {$590.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX Please investigate and provide Proof with statements showing that this payment was late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently tried to purchase a home and the lender holder told me there were negative items on my credit report that I know Ive paid off. I have been unable to purchase a without a co-signer nor obtain my own place of living because of this same issue.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against XXXX alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer. 
XXXX
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/XXXX, I entered into a loan agreement with Mobiloans. I then learned that Mobiloans is not a licensed lender in the state of Indiana - according to the Indiana Department of Financial Institutions, there is no record of Mobiloans having a lenders license of any kind. The XXXX XXXX XXXX XXXX confirms this - there is no record of Mobiloans having a lenders license in Indiana. It gets worse : In XXXX, the CFPB sued XXXX XXXX, XXXX and six subsidiaries ( collectively, the Think Finance Entities '' ), which includes Mobiloans, for deceiving people and breaking licensing and lending requirements- the result of which was all their loans in 17 states were considered illegal, void, and uncollectable - including Indiana. Apparently, Mobiloans is back at it again, in direct and flagrant noncompliance with the agreed stipulated order it entered into with the CFPB in XXXX. I have suffered - and will continue to suffer - real and substantial injury as a result of Mobiloans illegal lending practices. XXXX has been unjustly enriched as a result of its unlawful acts and practices at my expense. Adding insult to injury, I attempted to resolve this issue with Mobiloans via a notice of intent to file a claim for arbitration, received by Mobiloans on XX/XX/XXXX. They of course responded that they are not subject to any lending laws and in fact have 'sovereign immunity ' from same. Mobiloans ongoing behavior involving breaches of both state and federal law shines a bright light on their illegal lending practices, and the damages that illegal behavior has inflicted upon me are not isolated incidents - but in fact are a pattern of ongoing unfair trade practices tethered to a willful disregard for consumer protection laws that the CFPB itself litigated against XXXX to prevent but that XXXX has willfully ignored in their search for more lending victims like myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen, but the credit bureau refuses to remove this false information, stating, " We asked for the company to verify your information and it has been confirmed as correct. '' It's suppose to be correct. Thats what happens when you get your identity theft stolen. Thieves use a persons correct information to open fraudulent accounts. Ive filed a police report with the XXXX XXXX XXXX XXXX ( Incident Report # XXXX ) for identity theft. I mailed the credit bureau a packet which included the Police Report, Numerous notifications from different sources of my identity being stolen, and a list of false information that I want removed due to my identity being stolen. 
The following line Items were part of my request to remove from my credit report due to identity theft : XXXX. XXXX XXXX XXXX. XXXX different 30 days late on XXXX of XXXX files The following hard inquires are false : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Can I get some assistance in this matter. These people think they are infallible, which they are not. They listed my older brother as my spouse and I've never been married. It took me being tenacious to get this false information removed