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

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

In accordance with the Fair Credit Reporting act, the following accounts/account numbers have violated my rights : 1. XXXX XXXX XXXX  XXXX Account # : XXXX 2. XXXX XXXX XXXX Account # : XXXX 3. XXXX XXXX XXXX XXXX XXXX Account # : XXXX 4. XXXX XXXX XXXXXXXX Account # : XXXX 5. XXXX XXXX Account # : XXXX 6. XXXX XXXX XXXXXXXX Account # : XXXX 7. XXXX. XXXXXXXX XXXX  XXXX Account # : XXXX 8. XXXX XXXX XXXX Account # : XXXX 9. US DEPARTMENT OF EDU Account # : XXXX 10. US DEPARTMENT OF EDU Account # : XXXX 11. XXXX XXXX Account # : XXXX 12. XXXX XXXXXXXX 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 a account without my written instructions
Product: Debt collection

Dear Bank of America, I find it very interesting that you have all the time in the world to relentlessly harass and abuse me 24hours a day through your alleged CREDIT CARD COLLECTIONS DEBT Malware online banking system, which affects all of my APPS when banking on my mobile phone. 

The XXXX XXXX, to include the XXXX XXXX, all operate off of a 24 hour clock, most commonly known as XXXX XXXX. XXXX XXXX  begins at XXXX ( midnight ) ( XXXX called XXXX XXXX Hours ), and ends at XXXX ( XXXX XXXX XXXX XXXX XXXX Hours ) the same day. 

The past would therefore still exist, just as the future already exists, but somewhere other than where we are now present. 

Under no conditions is this ACCEPTABLE!!!! I WANT THIS MALWARE OF MALICIOUS NATURE TO BE REMOVED FROM ALL MY ACCOUNTS WITHOUT HASTE!!!!!! THIS MEANS IMMEDIATELY!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent out my dispute letters. 
Today, I received a letter from TransUnion saying they don't think it's me. 
I called transunion, and they repeatedly told me they had sent me verified results on XX/XX/XXXX, but all I received in the mail today was a stall letter, so they didn't have to do their job. 

I have attached my letters I sent out including the stall letter I got in the mail today.
Product: Debt collection

18 U.S.C 884- Collection of extensions of credit by extortionate means ( A ) whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means. ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonpayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both
Product: Credit reporting

Trans Union Credit Reporting Bureau had a glitch in their credit reporting system that violated the rights of consumers under section 6.11. By Trans Union deleting and reinserting information, I have been gravely affected and my credit score has suffered significantly. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed immediately.
Product: Checking or savings account

XX/XX/XXXX : Closed No Penalty CD acct. & instructed to have the money transferred to an outside bank. Called Marcus XXXX to confirm and was told that it was closed and they said " as per Federal Regulations, it takes 7 business days to receive funds ''. Then I went to look at my account online, I didn't see it was closed and called Marcus again. Was told it was closed and I wouldn't see the closure noted on my account until the money is transferred. 
Today, XX/XX/XXXX, I received a letter from Marcus mentioning a maturity date on this CD as XX/XX/XXXX. I thought that odd and called Marcus again. The rep told me that the maturity date was the initial date of the CD and I can disregard the letter. Then she saw I indicated me wanting an ACH transfer and questioned that it should not take this long to get the funds. She checked further and saw the account was NOT closed. I was very upset. So now she asked me if I want to close it ( when I was told, twice, it was ) and I said yes and requested to speak to a Supervisor. Spoke with Supv, XXXX, who said the rep on XXXX gave me wrong information of it taking 7 business days and they need to educate this person further. Then the phone disconnected and she didn't call me. So I called back and spoke to Supv, XXXX who said the " transfer is in the last money stage '' and that it could take 1-5 business days to receive the funds. So now I have to wait another week. They did confirm the account is now closed ( XX/XX/XXXX ). Case # XXXX. 
I told XXXX I am going to report this as its very upsetting and embarrassing as I told people I would pay bills this week and it may not happen.
Product: Consumer Loan

I am writing this letter to file a formal complaint against Gateway One Lending & Finance. On XX/XX/XXXX I purchased a car using XXXX. The contract was quickly assigned to Gateway One Lending. On XX/XX/XXXX I had a car wreck. My car was immediately taken to XXXX. The repair bid is attached. The insurance carrier and Gateway had a conversation regarding my car being totaled. But upon the insurance carrier speaking to me, I was told the car would be repaired. On XX/XX/XXXX I spoke to XXXX at Gateway. He informed me that it did n't matter if the car could be repaired, that Gateway does not finance totaled cars. I immediately went out to purchase a new car. See attached sales contract. My wrecked car was still in the shop being repaired and was completed. The insurance company paid for the vehicle. Gateway was informed. They later came to pick up the car and sent me letters stating I was liable for the difference. See attached letters. 
I am a person who pays her bills. I have excellent credit reflecting that I pay my debt. I stopped paying this car only after I was told they would no longer finance my car. 
At this point I have been dealing with this matter for a year. I am not asking for any emotional or financial damages. I only want the item removed from my credit report. 
I hope you can assist me in this matter. I am trying to avoid filing a law suit against Gateway.
Product: Debt collection

My wife and I are trying to obtain a mortgage and several medical collections showed up on our credit reports damaging our credit scores. All the debts were paid on the companies payment website using my mother-in- laws credit card and confirmation # 's and e-mails were recieved on her email.The Collection Company is : XXXX , XXXX , XXXX and XXXX XXXX located in XXXX XXXX NY . After waiting several weeks for these to be removed from credit bureaus we called on my wife 's account and requested that they send updates to bureaus. A week later they all showed removed and her credit score improved. Mine however were not, so several weeks later I called and they found no proof of payment and said it was still owed.I was on my way to work ( night shift ) so gave them permission to speak with my mother in law as she had the confirmation # and acct #. She spend over 1 1/2 hours trying to get issue resolved with no positive outcome. The rep thought maybe the payment was applied to a different account so she took my mother-in-laws information and was to have a supervisor call her the next morning ( today ). She did a lot more digging into the situation and thinks she had found something that might help track the money. She called back and they refused to even look up anything because she was not the client. The supervisor did get her return call info but refused to call her back because of this. We called call again this morning and they would not speak to me because my mother in law was in the background and the rep could hear her giving advice. They hung up on me. I called back and ended up repaying again using my mother-in-laws credit card. She will have to dispute the original charge to get credit. They need to improve their accounting practices and customer service skills.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective XXXX XXXX,2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureaus ( Equifax, XXXX, XXXX ) have not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit reports.
Product: Mortgage

My VA loan was sold to Freedom Mortgage in XX/XX/XXXX. In XX/XX/XXXX my taxes were due and Freedom Mortgage did not pay them. It is their policy that they analyze the escrow account within 60 days of receiving the loan and they did not. I called them in XX/XX/XXXX to let them know I paid the tax bill and never received an escrow analysis. They submitted the request and said it would take up to 30 days to analyze. I called after 30 days and nothing had been done. A supervisor put in a request to escalate the situation and contact me within 24 hours. No one contacted me. I called back a week later and again they are submitting the request and it could take another week. I've been told this over and over. They are holding way too much in my account, more than the 2 month cushion and are not following through on their promise to analyze my escrow account. It takes between 20-30 minutes every time I call them and to have no resolution is frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went ahead and checked my credit report. On the Experian website I noticed some discrepancies on my report and continued to dispute the debt accounts I had on my credit report. Now because I had done it before I was very familiar with the process, from the time I have submitted, creditors that reported to experian have 30 days to come up with actual proof of my debt in XXXX and white. 

Not even XXXX weeks had passed I went and checked the status of my credit and low and behold all the. Disputes had been rejected. Now how is that possible XXXX they have to come up with the actual proof of debt, I believe I have to be CC? 

Now every single dispute was rejected and if those creditors came up with hard evidence of my debt, can I take a look, its my credit. Im not just gon na take someones word for it. Also I would like to probably get a second and third opinion, like the other XXXX credit bureaus. 

So very serious issue here with my credit, its my financial life which in turn is my life. Last time I disputed I had won all my disputes and raised my credit score significantly. 

So Its either I have some stuff cleared up or consult an attorney and also contact other reporters and get second and third and etc. Opinions.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 a business line of credit was opened to send money overseas for a timely procurement of business services. On XX/XX/2023 a wire was initiated but was rejected by the bank on XX/XX/XXXX. I went through multiple security checks to set up the recipient and send the wire through online system, but the explanation I was given by the supervisor of the department who asked me to call and verify the wire was that 'it was cancelled because it was the first time I was sending an international wire '. I called this department as soon as I got a text message asking me to verify the wire, but the wire was already cancelled and I was asked to initiate another wire transfer. I initiated another wire transfer on XX/XX/XXXX, and on XX/XX/XXXX it showed as 'Completed ' in the online banking system. After a series of conversations with the customer service reps on the XXXX number lines I learned on XX/XX/XXXX that the wire was ultimately rejected from Chase bank in XXXX, who was the intermediary to the recipient 's bank. Chase bank in XXXX said the reason for rejection was because of incorrect BIC code ( which is the same as the SWIFT code ) but the code was confirmed multiple time and in writing from the recipients bank to be the correct code. 
I mentioned to 3 different reps of the bank that the issue may be that XXXX has the wrong address for the recipient 's bank in the system. When I enter the SWIFT code of the recipient 's bank it automatically populates an address that I can not change. And that address is not the same address the recipient 's bank provided. But nothing was done to investigate this. 
The bank never gave me a reason that I could understand nor provided a solution to the issue.
Product: Credit reporting

I am unable to receive a free credit report from either XXXX or Experian. I 'm under the impression that the verification questions are fraudulent and not allowing to view my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed certified letters to XXXX XX/XX/2022, which was received XX/XX/XXXX at XXXX and Experian, which was received XX/XX/XXXX at XXXX, requesting the removal of several inaccurately reported accounts. To date, I have yet to receive a response. I understand they have XXXX-days to reply to my request once they receive notice, but I have not received response or notification of a conducted investigation as required by law under the XXXX.
Product: Student loan

I have XXXX issues. The first is I have student loans that were discharged through a ch XXXX bankruptcy that are reporting negatively on my credit reports even though they were discharged. The 2nd issue is I am being told that I have a consolidation loan. I NEVER took out this loan and it has been sold to a 3rd party. The servicer will not help and it has been sold numerous times. I have been garnished in the past. When I ask for proof of the debt they send me a copy of a promissory note that does not have my signature and has my minor child listed as a reference. I did not authorize or apply for this loan. Nor did I benefit from the proceeds of the loan. This is impacting me in a devastating manner. I can not obtain any credit and I am unable to obtain things such as housing and employment due to the negative impact of it. I have asked for hearings and followed the chain of command but they keep canceling the the hearings then selling it to another collections agency. The loans have ballooned over time along with collections costs. At the time I was not even enrolled in school or had a need for consolidation because I was not in enough debt. I am unemployed and without any liquid assets or property. I also have a minor dependent. 
The servicers are AES/PHEAA, XXXX XXXX, XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

A BANK EMPLOYEE PULLED HARD REPORT FOR SOME PERSONAL REASON ONLY WITHOUT PERMISION AND THE BANK IS TRYING TO PROTECT THE EMPLOYEE BY DECLINING AND HAVING REMOVED IN CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the Transunion and XXXX  credit bureaus multiple times regarding public records of bankruptcy on my credit reports. I have disputed these items multiple times with the bureaus and each time it comes back verified through XXXX XXXX and Bankruptcy courts. I contact the Bankruptcy courts which they have responded that they do not report to the credit bureaus, therefore, the item is either a lie or an error. Either way, the reporting requirements do not comply with FRCA- 611 ( 15 U.S.C- 1681I ) and the information must be deleted. 
I also contact XXXX XXXX for a copy of verification of the public records as well. I received a letter from XXXX XXXX stating they do not have a bankruptcy file or record. Based on this, the method of verification is fraudulent and the items must be deleted from my credit reports. 
I have attached the letters from the XXXX XXXX and the Bankruptcy courts as proof of what I am stating. 

XXXX BK ID # XXXX BK ID # - XXXX BK ID # - XXXX Transunion- BK Docket ID # XXXX BK Docket ID # - XXXX
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.SC 1681 XXXX XXXX XXXX U.S.C 1681 SECTION 602 A : STATES THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 1681c SECTION 604 ( a ) ( 5 ) 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 OF 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
Product: Debt collection

Upon carefully reviewing my credit report, I found several accounts that I believe are inaccurate and were added without my consent.
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. 

Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXXXXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) 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 of 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.
Product: Credit reporting or other personal consumer reports

people keeps on stealing my identity and there are so many inquiries
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and realized some alarming information. I found there were fraudulent accounts that I have no knowledge of. I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made. I believe I am a victim of Identity Theft. These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts. This is in clear violation of my Fair Credit Reporting Act ( FCRA ). 

XXXXXXXX XXXX Account # XXXX Credit Limit : {$2500.00} Opened XX/XX/XXXX XXXX XXXX XXXX Account # XXXX Credit Limit {$16000.00} Opened XX/XX/XXXXXXXX XXXX XXXXXXXX Account # XXXX Credit Limit {$470.00} Opened XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a chance to view full credit report and I saw many inquiries that I have no acknowledgment of. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Us Sm Bus XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT TECH MUST SUE XXXX  XXXX OR BE SUED, FORCE THEM TO RELEASE MY CREDIT FILES.
Product: Checking or savings account

I had my XXXX debit card stolen by my ex. I found out today the XXXX of XX/XX/XXXX that she made several atm withdrawls on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX. The banker asked me if I had my pin written down and if my card was stolen YES I told him and he said that it will not be covered?? this is at a wells fargo XXXX bank account? What do I do??
Product: Mortgage

On XX/XX/XXXX, I received an Escrow Statement from my mortgage servicer, Dovenmuehle, about an escrow refund due on our loan with them. The statement was a one page document with an image of the refund check in the amount of {$610.00}. On XX/XX/XXXX, another Escrow Statement was generated, this being my most recent Escrow Analysis. The Analysis said that the escrow refund would either be included in that statement, which it was not- we received the paper copy of the Escrow Analysis weeks ago, or it would be mailed to me within 30 days. 

More than 30 days have passed and I still have not received the escrow refund check. We have since moved and have a mail forward in place. I have also changed the mailing address on our mortgage account with Dovenmuehle. I use Informed Delivery with USPS so I can see mail that is coming and there has been no mailing from Dovenmuehle other than the Escrow Analysis statement. Clearly, our refund check was generated back in XXXX because the document has the check number on it. I called their customer service line on XX/XX/XXXX and was told to " just wait longer. '' Dovenmuehle debited our escrow account on XX/XX/XXXX for the amount of the refund like we have already cashed the check. Where is my money? Why has our escrow refund not been mailed to us yet?!
Product: Credit reporting or other personal consumer reports

I am disappointed. I've been trying to get my complaint out and I am ignored continuously. I need this account off my report as it has been negatively affecting my daily living.
Product: Credit card

I got an email stating I got approved for a card that I didn't apply for. Next thing I know I have a payment due for said card that I didn't apply for. It is for the XXXX card that up until recently I've never heard of. I have no idea if they're sending the card to me or somewhere else. I had to make an account to even see what the card details were. Somehow they had my social security number already on file without my authorization.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX