23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I always make mortgage payments early, often a month ahead of due dates. 
The mortgage servicer does not apply payments when received and often holds them, I can only assume to bar me from avoiding accrual of interest. When I pay early it is to avoid full interest.
Product: Credit reporting or other personal consumer reports

I am reaching out to follow up on my previous request for an investigation into the inaccuracies on my credit report, initially submitted in XX/XX/XXXX. As of now, I have not received a response from your office, and the incorrect information still remains, harming my credit. This lack of action is both concerning and unacceptable. 

For your reference, I request the immediate DELETION or REMOVAL of the account. 

XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} Date Opened : XX/XX/XXXX I kindly request that this matter will be promptly solve by TRANSUNION XXXX 

As per the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate disputes within 30 days of receiving a formal request. More than 30 days have passed, and I have yet to receive any resolution, confirmation of investigation, or update on this matter. The continued presence of this inaccurate information has severely impacted my creditworthiness and has caused denial of credit, increased interest rates, or emotional distress. This delay undermines the confidence I should have in the integrity and efficiency of the processes.
Product: Credit reporting or other personal consumer reports

I sent a dispute to the major credit bureaus disputing the inaccurate information on my credit report regarding XXXX, account number XXXX. 

Despite the clarity and detail provided in the Credit Bureau Dispute, the Account continued to appear on my consumer report with inaccurate information. 

Upon information and belief, the credit bureaus forwarded my Dispute to XXXX. 

Upon information and belief, XXXX received notification of my credit bureau dispute. XXXX did not conduct an investigation, contact myself, contact third parties, or review underlying Account Information with respect to the disputed information and the accuracy of the XXXX Account. 

Upon information and belief, XXXX failed to instruct the credit bureaus to remove the false information regarding the XXXX Account reporting on my consumer report. 

The credit bureaus did not conduct an investigation, contact myself, contact third parties, or review underlying account information with respect to the disputed information and the accuracy of the XXXX Account. 

The credit bureaus employed an investigation process that was not reasonable and did not remove the false information regarding the Account identified in my Dispute. 

At no point after receiving the Credit Bureau Disputes did XXXX and/or the credit bureaus communicate with me to determine the veracity and extent of my disputes. 

The credit bureaus relied on its own judgment and the information provided to them by XXXX rather than XXXX credence to the information provided by myself. 

The credit bureaus published the false information regarding the XXXX Accounts to third parties.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and now I have multiple hard inquirys on my credit report that was not authorized. Its affecting my credit big time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, AZ XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Account Blocking Under 15 U.S.C. 1681c-2 ( a ) Dear Equifax, I am writing to formally request that you block and delete the accounts listed below from my credit file, pursuant to 15 U.S.C. 1681c-2 ( a ), due to my status as a victim of a data breach and identity theft. 
The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Original Creditor Name XXXX XXXX XXXX INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Hard inquiries XXXX XXXX Remove all Soft inquiries Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ), I am entitled to have fraudulent accounts resulting from identity theft blocked and removed from my credit report. Enclosed, I have included the required documentation to verify my identity and substantiate my request : 1. A copy of my government-issued identification ( e.g., drivers license or passport ).

2. Proof of my current address ( e.g., utility bill or bank statement ).

3. A copy of the police report or identity theft affidavit documenting the data breach/identity theft.

I trust that you will act promptly to block and delete the accounts as required by law. Please send written confirmation once the accounts have been removed or if further information is needed to process my request. 
Thank you for your immediate attention to this matter. If you have any questions or require additional information, I can be reached at XXXX or At XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and identified an account that erroneously claims I owe a debt It has come to my attention that this account is inaccurately reported on my credit profile. I kindly request you to verify the reporting method and either provide validation for this account or promptly remove it from my credit report. Under the provisions of the Federal Fair Debt Collection Practices Act ( FDCPA ), I am entitled to have the alleged debt validated by your agency. To date, I have not received any substantiating evidence demonstrating my indebtedness to your company. I hereby request that you furnish me with comprehensive documentation supporting the existence of this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require XXXX and TransUnion to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$2100.00}
Product: Debt collection

National Credit Systems , Inc is clearly reporting incorrect information. I do not owe XXXX of XXXX XXXX XXXX. I wrote them a letter asking them for physical proof this debt belongs to me. 30 days letter, they send me back a letter saying I need to prove it is not my debt. That is illegal. They are a total scam and they are ruining my credit.
Product: Debt collection

I appreciate the efforts you have made so far, but it is imperative that the investigation is executed fairly to ensure the removal of all fraud-related entries on my credit report. 
As you are aware, several accounts were reported as fraudulent, and while I acknowledge the successful deletion of some of these entries, it is perplexing and disconcerting that others still persist. I find it difficult to comprehend how, despite the previous deletions and escalations of fraud accounts, another fraudulent entry has been allowed to exist on my credit report. I demand an explanation for this oversight and insist that corrective action is taken without delay. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
I urge you to remove the remaining fraudulent accounts promptly to rectify the unwarranted damage inflicted upon my credit history. It is your responsibility to ensure that my credit report is an accurate representation of my financial standing. Any delay in resolving this matter will only result in further harm to my credit score and financial standing.
Product: Credit card

I have 2 capital one accounts one is a business account and one was a regular account. Well my XXXX bank account was connected to both accounts and someone hacked my XXXX account and I was not aware at the time I made a payment on my capital one accounts and they came back.. So they closed both my capital one accounts! This is not fair to me I need my accounts back please help
Product: Credit reporting, credit repair services, or other personal consumer reports

There shows to be a closed/charged off XXXX  account on all 3 credit company reports. I talked to XXXX  back in XXXX  up to current about this showing up. I recently got an account with them to help build credit, but didn't have an account with them in XXXX. I talked to XXXX  they had my address on file to which was an old address and I made a fraud claim. They did nothing. I contacted the credit agencies for further investigation as well as the federal trade commission. This is still showing after I was advised it was handled and to give it 30-45 days to remove months ago. 
This needs to be removed immediately.
Product: Checking or savings account

Capital One 360 Account froze bank account due to a XXXX received when phone was stolen over the weekend. Have a new phone and didn't pay attention to transactions. Now until they finish the investigation all funds are frozen and unable to use checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing this account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the account. It was opened without my knowledge, authority or consent. 

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

To whom it may concern : I have been trying to remove accounts that do not belong to me but as the law requires, they need to provide physical proof before post fraudulent, outdated or inaccurate data in a consumer credit file. But they keep failing to provide the proof that FCRA requires for a third party reporter to post any account in a consumer credit file, they need to remove these accounts intermediately from my file.
Product: Student loan

Hi my name is XXXX XXXX XXXX, I have a private student loan with Navient. they are refusing to help me lower my payment passed on my financial statement and a supervisior even hung up on me. when he refused to tell me if any programs where available to me. I have a co signer who offered to send final statements and they refused to except and only took it over the phone and said she made too much to lower my interest rate which he says is the only way to lower my payment. I am not a student anymore I work and have a family and make like XXXX a month and my bills round up to about over 2500. a month. I m in desperate need of help and they are just flat out refusing to assist me, I am willing to pay, just need an amount that I can afford. I have tried numerous times with no success and I am at my whits end I have a family to support and it seems these people at Navient care only about how much they can get out of you they care nothing about working with the customer to solve any hardship issues. The lack of empathy dicusses me to no end how can people be so bottom line and treat others like just a number.
Product: Money transfer, virtual currency, or money service

I have XXXX dollars in Coinbase, I have tried to withdraw them, send them and I have not been successful, they always tell me that there is an error on the part of the company and they have withheld money from me. 

I have spent on commissions trying to send the money and changing digital assets and nothing. 

terrible broker service. 

They also do not explain when they are going to solve the problem or give solutions on the website. 

I need my money in my bank account
Product: Credit card or prepaid card

I am an American Express  XXXX  platinum cardholder and have been the victim of fraudulent advertising., I received a promotion targeted offer from American Express in  XXXX ,    2016  promising me  XXXX  bonus miles and  XXXX    XXXX   qualifying miles if I spent {$75000.00} on their card in  2016 . I registered for the promotion and spent the qualify g {$75000.00}. I have never received the promised bonus or  XXXX  miles. I have called American Express repeatedly and have received a variety of answers including : yes they see the promotion and wait, the miles are on the way ; they see the promotion but do n't know why I have n't gotten the miles ; references to a computer glitch and no notes in the record regarding my disputes ; promises of supervisory callbacks that never happen ; and today   XXXX   at  Am  Ex advised me no such promotion existed. I have a copy of the promotion and a record of the different employees I spoke with along with their employee ID number. I will attach my documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

INNOVIS is allowing UNVERIFIED information on my credit report. I have requested that INNOVIS on four separate times to delete the UNVERIFIED information from my credit report. INNOVIS do not understand that I know my consumer rights and that they are violating mine per FCRA. The items that I am disputing has not been VERIFIED by the other 3 major credit reporting agencies and subsequently has been deleted from my report. ( I am attaching file as proof ). How is it that INNOVIS is able to verify with these data furnishers while the others has not? 
On XX/XX/XXXX at I sent certified mail written communication to INNOVIS dated XX/XX/XXXX, requesting verification to substantiate information that is being furnished to them. The request was made pursuant to FCRA 609, FCRA 611 ( a ) ( 6 ) and ( 7 ) in compliance with FCRA 607 that INNOVIS used to verify all data for each listed account in an effort to avoid violations under FCRA 605. I received communication from INNOVIS XXXX. Out of 8 requests for verification of accounts, three items were deleted. The remainder five was not verified under FCRA. On XX/XX/XXXX I sent a second written communication to INNOVIS dated XX/XX/XXXX, requesting verification to substantiate information that is being furnished to them. The request was made pursuant to FCRA 611 ( a ) ( 1 ) ( A ). VERIFY PHYSICALLY the validity of the alleged accounts, any notations, calculations, dates, balances and account records.

I requested for INNOVIS to substantiate the information of verification pursuant to FCRA. Verify required 426 character P6 statements, 5 part personal identifiers, and source code illegal to retain in accordance with Metro 2 Format for Credit Reporting,  FCRA, FCBA, and ECOA. I received communication from INNOVIS dated XX/XX/XXXX. There were no changes to my report. I requested a detailed explanation of the specific method of verification. They did not provide me with such. Furthermore, on XX/XX/XXXX I sent a third certified mail written communication to INNOVIS dated XX/XX/XXXX, requesting verification to substantiate information that is being furnished to them. I received written communication from INNOVIS dated on XX/XX/XXXX. I received the same results as the previous INNOVIS communication. FCRA requires INNOVIS to clearly and accurately disclose all information contained in my file at the time of my request pursuant to FCRA 609, such as my signature on an application, Agreement to such terms, and any other physical documentation INNOVIS received and used to verify the information being reported and maintained in my file. INNOVIS must verify THE validity of every notation, dates, balances, required certifications, and the purposes certified for the use of my information as required, and any other possibility of fraud, identity theft, or other related crimes and are reporting incomplete information. The accounts must be complete and accurate or promptly deleted pursuant to FCRA 611 ( a ) ( 5 ) ( A ) ( i ).
Product: Checking or savings account

We used a financial service called " Catch Benefits '', Catch Financial , Inc., found at catch.co which withholds specific amounts from the paychecks of freelancers in order to help save for retirement, healthcare, travel, etc... 

On XX/XX/2022, we initiated a request with Catch to close our account and specifically send us a check for the total amount in our retirement savings so that we could move it into a different retirement account. The amount we have is {$16000.00}. As of today, XX/XX/2022, we are still waiting for that check with our money. I have attached chat transcripts. At every turn, they have avoided having to give us our money back. Their app store is full of reviews along the lines of " holding our money hostage '' - others with the same complaint. 

According to their own website, our account should be closed and we should have immediately received a check for any remaining money in our account. 

Additionally, they are in violation of their terms of service ( https : //catch.co/legal/terms ) which states : " b. Your Funds and the Catch Account. Your funds will remain in your Catch Account until you instruct us to transfer any or all of your funds from your Catch Account by indicating a withdrawal within the Website or the Application. We will generally transfer the requested funds from your Catch Account to your Bank Account within three ( 3 ) Business Days of when we receive your request. We may transfer funds from your Catch Account to your Bank Account without notice to you upon the closure of your Catch Account as Described below and at any time if required by applicable law or if we, in our sole discretion, suspect the Services are being used for illicit purposes or otherwise in violation of these Terms. '' AND " f. Catch Account Closure. Upon the closure of your Catch Account for any reason, we will transfer the funds in your Catch Account, if any, to your Bank Account. If your Bank Account is closed or we are otherwise unable to transfer the funds in your Catch Account to your Bank Account, we will send you a check for the amount of the funds to you at your street address in our records. ''
Product: Credit reporting or other personal consumer reports

I have noticed a recent inquiries on my report I ordered a 3 credit report and realize someone has been trying to apply for credit card under my identity which I did not authorized. Identify theft report was completed and attached please remove these remarks from my report I did not authorize the following inquiries - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXXXX/XX/XXXX - Mobiloansllc XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have unauthorized Inquiries that is reporting on my Experian Credit Report. I received an updated credit report from Myfico. That indicates that I have only 2 Inquiries that is on my Experian profile. Then look at the Experian Credit Report and it shows 5 Inquiries. There are 3 unauthorized Inquiries that I am requesting to be removed from my Experian profile. See Attached Documents that shows one from Myfico. Then the actual report showing from Experian.
Product: Credit reporting or other personal consumer reports

I am the author of this complaint and I am writing to formally dispute the inaccurate information on my credit report, specifically regarding the following accounts, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ), 15 USC 1681. I am requesting an immediate investigation into these accounts, as I have reason to believe they do not accurately reflect my credit history or have been improperly reported. 
The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XX/XX/2017 for XXXX collection agentic XXXX XXXX no action was taking no repose from them or nothing I dispute the account with them and nothing I would like this account remove I never open a account with XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the accounts to the bureaus but they are still showing on my report. According to 15 U.S.C 1681 Law there should not be any damages on my report, it is a deformation to my character.
Product: Credit reporting

ALL CREDIT AGENCIES CONTINUE TO REPORT BANKRUPTCY XXXX TIMES ON FILE AND NOT MY ACCOUNTS, ALL INFORMATION OUTDATED SINCE 2005 AND ALL AGENCIES VIOLATES FCRA PROVISION XXXX, XXXX AND XXXX
Product: Checking or savings account

I signed up for a bank account with Well Fargo. There was an introductory offer that if I made 3 consecutive direct deposits of {$500.00} or more for 3 months, then a {$200.00} sign up bonus would be applied. I met those requirements but did not see the bonus by the time if was supposed to show up.

I then contacted Wells Fargo the service rep stated I met the requirements but the service rep said they would not pay it. To quote the service rep precisely : Mr. ________, I reviewed your account and our records show that the requirement of the campaign were met and we are therefore not able to issue the promotional credit.
Product: Credit reporting

Was not able to get my annual free credit report on-line from XXXX, because the identifying questions did n't have anything to do with me. I did not live in any of the listed counties, or have any of the listed phone numbers. I believe the XXXX of the XXXX agencies that stopped the process was TransUnion, but I 'm not certain. Evidently someone has wrong information associated with my name and SS #. How can I get it corrected? Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verfied claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.