23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a certified letter to TransUnion dated XX/XX/2022 informing them that I had previously contacted XXXX due to their continued reporting of incomplete and inaccurate information on my TransUnioin credit report. 
I informed TransUnion as a result of the dispute with XXXX, I received a letter dated XX/XX/2022 stating that their investigation into my credit report was non-conclusive ( See Attachment A ). Non-Conclusive meaning incomplete and based 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] it states that any account found to incomplete and whose accuracy or incompleteness can no longer be verified or any notation as to disputed information the account must be deleted.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent dispute letters by Certified Mail to XXXX, Experian and XXXX requesting accounts with incorrect information be researched and corrected, I have had no response from any of the credit bureaus in the last 30 days The accounts I requested to be investigated and corrected are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of identity theft and my identity has been stolen and used against my wishes. attached is my social security card, state id, utility bill and FTC REPORT. 

delete and block all of the mention inquires from my credit report now. these are fraudulent inquires on my experian credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I respectfully requested that the inaccurate information be deleted/updated from my credit report. Additionally, I asked that they verify the accuracy of this information and provide me with a detailed explanation of the steps taken during the dispute process. Was not performed and dispute response/dispute was not done within a timely manner.
Product: Mortgage

My home was damaged in Hurricane Ian on XX/XX/2022 with substantial damage. My insurance has paid funds to my mortgage company Roundpoint Mortgage which they are not releasing to me to fix my home. Roundpoint Mortgage is holding approximately {$47000.00} in escrow to repair my home. The damages incurred on my home far exceed the amount that they are holding. I have paid out-of-pocket amounts exceeding {$100000.00} which I have had to take a loan and withdraw from my retirement as well. I have submitted receipts, contracts, and all the required documentation that has been requested by Roundpoint Mortgage Company. They are not releasing the funds that have been released by my insurance company to repair my home. I have contacted Roundpoint Mortgage several times via phone and have also sent emails requesting funds to be released to repair my home, I have complied with all of their requests and have been advised that they will not release any funds to me at this point. I have requested the inspection reports and also requested to have further documentation of what was needed, requested to talk to the adjuster in the claims department or supervisor, and have not received any additional information for them.
Product: Checking or savings account

They conveniently allowed my account to over drafted by some some one other than me. While I the account holder could not. Forcing me to close my debit card right around the same time my money is about to load. They are refusing to correct their error
Product: Prepaid card

I have two American Express gift cards for {$100.00} each. Gifts from work. The cards DO NOT WORK ANYWHERE. Not XXXX, not XXXX XXXX XXXX, not XXXX. Nothing. I tried to order some items from XXXX : the " Valid Thru '' dates on their site end at XX/XX/XXXX, while the card I used has a date of XX/XX/XXXX. They ended up calling me because the order " bounced ''. Embarrassing. 

What is wrong with these cards? There are DOZENS of threads on XXXX with the same complaint. The cards do not work online, and they do not work in stores. They are useless. Ever since American Express got rid of the name & email option and ability to register the card.
Product: Credit reporting or other personal consumer reports

Mortgage account is current and all payments have been made within 30 days. 
Account status as ( incorrectly ) reported to all 3 credit agencies is " delinquent '' and there are 4 months ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) which are incorrectly reported as over 30 days late. 
Payments on this account have never been more than 30 days late ( as demonstrated by attachment to this complaint. ) Status of account is reported incorrectly and previous months ' status is also reported incorrectly. I have filed a notice of error with my mortgage company and have initiated a credit dispute with all 3 credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate and false information appears on my credit report. Applied for credit or a loan and receive an unexpectedly low score
Product: Checking or savings account

On XX/XX/, IT WAS BROUGHT TO XXXX XXXX XXXX ATTENTION, THAT HIS CAPITAL ONE 360 BANK ACCOUNT WOULD BE RESTRICTED, AND HE WOULD UNABLE TO WITHDRAW CASH FROM ACCOUNT. AS STATED IN A EMAIL AND ONLINE ACCESS TO MY ACCOUNT : YOUR FUNDS ARE CURRENTLY NOT AVAILABLE FOR WITHDRAWAL. PLEASE CONTACT US AT XXXX. 
ON XX/XX/ HE DEPOSITED XXXX CHECKS : XXXX CHECK FOR {$60.00}. WHICH WOULD BE FULLY AVAILABLE MONDAY XX/XX/2023 
XXXX CHECK FOR {$850.00}. WHICH WOULD BE FULLY AVAILABLE MONDAY XX/XX/2023 
BOTH CHECKS HAVE CLEARED THE BANK THAT THEY ARE DRAWN UPON. AS OF TO DATE MY ACCOUNT HAS A BALANCE OF {$910.00}. 
XXXX XXXX XXXX ATTEMPTED TO CONTACT PHONE NUMBER XXXX, AND LEFT A VOICE MESSAGE TO THAT ASSOCIATED NUMBER GIVEN TO HIM ON HIS ACCOUNT INTERNET WEBPAGE. XXXX XXXX LEFT A TOTAL OF XXXX VOICE MESSAGES FROM THE DATES OF XX/XX/2023 TO XX/XX/2023. UNFORTUNATELY NO REPRESENTATIVE OF CAPITAL ONE BANK ACCOUNT HAS RESPONDED TO HIS VOICE MESSAGES. XXXX XXXX ALSO HAS EMAIL SEVERAL EMAIL ACCOUNTS WITH CAPITALONE.COM ADDRESS TO IT. THERE HAS BEEN NO EMAILS ADDRESSING THE SITUATION OF XXXX XXXX RESTRICTED CAPITAL ONE BANK ACCOUNT. 
SINCE XX/XX/ TOXX/XX/2023. XXXX XXXX XXXX HAS NOT BEEN ABLE TO ACCESS HIS FUNDS THAT ARE CLEARED AND RIGHTFULLY HIS MONEY TO WITHDRAW AT HIS DISPENSE. 
CAPITAL ONE 360 BANK ACCOUNT HAS BEEN RESTRICTED. UNDER THE NEVADA REVISED STATUTES THE HOLDING OF CASH IN A DEPOSITED ACCOUNT THAT THE CHECK HAS CLEARED. THE FUNDS TO BE AVAILABLE PER DATED THAT IS FULLY DEPOSITED. CAPITAL ONE 360 BANK HAS VIOLATED THAT LAW. BOTH STATE AND FEDERAL LAW. 
UNDER THE : Comptroller of the Currency XXXX of National Banks Does the bank refrain from delaying funds avaiility beyond a reasonable time period? [ 12 CFR 229.13 ( h ) ] NOTE : An extension of up to five days for local checks and six days for nonlocal checks is considered reasonable. 
I HAVE TRIED MY BEST TO COMMUNICATE WITH CAPITAL ONE BANK 360 CHECKING ACCOUNT. I HAVE LEFT SEVERAL MESSAGES AND VOICEMAIL AND FAX 'S TO CAPITAL ONE BANK AND GET NO RESPONSE BACK FROM THEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, without my consent or knowledge solicited several different financial lenders with my credit report. 

The internet manager XXXX XXXX, emailed me a application for XXXX XXXX XXXX, to apply for credit through XXXX XXXX XXXX. 

On XX/XX/2021 my credit alerts where sent to me indicating that several inquires where made for my credit report. 

That evening the sales dept. called and informed me that they found someone to do the loan. I expressed to him that I inquired about a loan only through XXXX XXXX XXXX and his reply was that he could nothing about the unauthorized inquires he made, but stated he was sorry and was only trying to get the loan. 

I feel he was trying to get himself a commission by throwing me and my credit under the bus. I NOW HAVE SEVEN INQUIRES BECAUSE OF XXXX XXXX XXXX XXXX XXXX XXXX,
Product: Debt collection

I am in a status identity theft, Then I will send the police report and the FTC report. I want a investigation about this issue, because I am not reponsable for this debt.
Product: Mortgage

I accepted a {$22000.00} HELOC with Figure Lending. They sold my loan in XX/XX/2022 them continued accepting my payments. In XXXX a payment was missed and I was sent an application to modify my loan via XXXX. I filled out and returned the application XXXX times. Figure Lending said I didn't sign it which is impossible because XXXX won't complete the document without a signature. Then suddenly my loan was sold again but this time I didn't get any notice. But even after, Figure Lending continued billing me. I still have an open account with figure lending somehow. I'm still receiving monthly statements from them and XXXX XXXX XXXX XXXX which is the first company my loan was sold to in XXXX. This has been stressful and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced my auto loan and paid in in full. I have complete records of everything. 

XXXX XXXX first took several months to report my auto loan as paid in full. 

I reported the issue with all 3 credit agencies. 

The account is now reported closed but XXXX is reporting that I have a {$5000.00} balance to TransUnion when I have a paid in full letter from XXXX and they released the title.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX to the following Accounts # On XXXX 1.XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX 2. XXXX acct # shows 2 late payments 3XXXX XXXX XXXX shows 3 late payment 4. XXXX XXXX shows 2 late payments 5 XXXX shows 2 late payments. 
According to the the below statues my rights have been violated. Under the following : 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
Each of the XXXX major credit bureaus are in direct violation of their reporting. 
I request that these be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the following dates my credit was run without my permission and knowledge. I did not consent to or authorize nor benefit from any of the following inquires XX/XX/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 XXXX XXXX XXXX XXXXXXXX XXXX During these times especially between XX/XX/XXXX to now I have been out of my resident state working on XXXX contracts being a frontline worker. I hope this issue can be resolve immediately. I have taken further action to protect my identity and credit profile for the near future.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft exposed in the Equifax Databreach. 
Under the FCRA Code 15 U.S Code 1681c-2 states the consumer reporting agency should block information resulting in identity theft.
Product: Credit reporting or other personal consumer reports

I am going to list several information confirmation that Ive always had money in my account. Its been an ongoing process. The only reason I have not decided to not do business with them because I know that it affects my life as it is going out. I work extremely hard in my life as well as work extremely hard on my credit to fix it from past mistake trying to help some one else vs self I have documentations that will show proof in accurate information. I also have additional information if needed for other parties to confirm that auto pay, which would be XXXX XXXXXXXX XXXX  can confirm with their policies if there has not been any funds the funds would always be covered also can verify that money always all four my accounts and that auto pay has no dysfunctions to be received. XXXX receipts can verify auto pay as well for the past XXXX months and all-time payments now what time we had discussed and rearrange any payments according to AVA, this was a personal decision that was made based on XXXX XXXX XXXX, discrimination, and defamation of character
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX I HAVE REPORTED DISPUTES ON THE ABOVE CREDITORS FOR REPORTING INACCURATE DEROGATORY MARKS, ACCOUNTS STATUS, AND VIOLATING MY CONSUMER RIGHTS. I HAVE FILED A COMPLAINT WITH XXXX   PREVIOUSLY ON XXXX XXXX/XXXX XXXX AND I NEVER RECEIVED ANY UPDATES, REMOVALS, OR VERIFICATIONS TO SUPPORT THEIR REPORTS.
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 the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the listed erroneous information that needs to be investigated and correct XXXX XXXX XXXX  XXXX XXXX Balance : {$39000.00},
Product: Credit reporting, credit repair services, or other personal consumer reports

I lived at this apartment location I completed out of my lease when I fell on hard times I went through an agency who paid the remaining balance of my lease was 2 months which should have been no more than {$2000.00} the agency informed me that they paid the balance I moved and cleaned the apartment turned in the key few months later I checked my credits report and realize that the same apartment complex XXXX XXXX national credit systems placed a XXXX debt on my credit I have disputed this over and over I've spoken with the apartment complex I've even taken what letter I have from the agency that sent out a check to them and the office claim to have no records of the payment as they says all the old office workers have been fired or quit and they have no records so please help or please give me some advice on what I could do thank you.
Product: Mortgage

I have submitted loan modification but they denied it. They said I have other option which is Short Sale with HAFA. I have submitted and qualified for HAFA. They sent me letter and asked me to list the house as the price they approved and told me they will postpone my sale date until they complete marketing period. My agent informed me that the sale date is on XXXX/XXXX/2015 and she tried to contact negotiator but no response. I could not understand that we do have paper show they will help to postpone the sale
Product: Credit card or prepaid card

Lost and stolen credit card used with out my permission and charges were made without my authorization. 

File police report with ICE. ORG and FTC.GOV.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an entry into my experian credit report from XXXX XXXX XXXX XXXX showing a charge off and a balance owed of XXXX which is completely wrong. When I called the bank they agreed that I had paid this account in full and owe them nothing which I have a confirmed letter stating the same however I have not been able to get corrected on the Experian credit report and it is lowering my XXXX XXXX. This has been going on for XXXX months now and it is still not fixed.
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information listed on my credit file. checking my file ive noticed alot of information that is listed illegally an fraudulent reporting to my credit report. this has been an issue that ive addressed an needs to be fixed asap. please review an remove the listed items to help clear my credit asap.
Product: Money transfer, virtual currency, or money service

I have filed several disputes with this company and after my last dispute they closed my account and would not allow me to open another and would not give me my funds.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

XX/XX/XXXX contacted Truist &. XXXX to inquire about payment that was taken out with no notification Latency in Truist mobile banking app and online Called to have overdraft fee waived due to the Truists non notification of payment already withdrawn Was told nobody could do nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit agencies stated my account was properly investigated but how is that possible if the accounts are inaccurate. This is grounds for removal and they also violated my rights under 15 USC 1681 602 a states I have the right to privacy and 604 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15U.S.C. 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 

Inaccurate accounts XXXX  acct # XXXXXXXX XXXX XXXX XXXX acct # XXXX US DEPT OF ED/XXXX  # XXXX ( multiple accounts ) same acct number XXXX  acct # XXXX XXXX XXXX XXXXXXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX I want a {$1000.00} per violation or accounts removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported these 3 account over the last 6 months as Im correct reporting and nothing was done account keep being verified but not removed as demanded for inaccurate reporting and violations under the FCRA { 15 U.S.C. 1681 } Permissible purpose of consumer reports The law will be attached and Im demanding removal of all 3 accounts due to not having written consent as the consumer
Product: Debt collection

called my news wifes cell phone number ( got married 2 months ago ) on a debit from 2004 ( credit card ). I did n't even know her then and this is the XXXX call to her in XXXX month. They should n't even have her phone number. The XXXX call she asked to have her number removed and not associated with this. and today they called again
Product: Student loan

I went to XXXX College XXXX XXXX XXXX in XXXX, CO from XX/XX/XXXX to XX/XX/XXXX. I was unable to complete school due to a death of spouse and child. I have asked for student loan forgiveness due to uncontrollable circumstances. I have been denied or never get an answer. Also the school closed and is now XXXX. I never attended XXXX or any other school name it became. If school closed. It should have been written off in bankruptcy. It is deception and fraudulent to continue to collect on loans due to hardship and school closure. I am needing help navigating this issue. I have dreams to be successful for my family and loved ones. Any help would be appreciated. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information reported on my credit file. The false reporting of this information constitutes libel, as it damages my reputation and creditworthiness. Please investigate and correct these errors immediately to avoid further harm.
Product: Credit card

I have a U.S. bank XXXX XXXX credit card. I signed up for the card solely for the " Bonus Award Night '' benefit. I renewed my card and paid the {$75.00} annual fee on XXXX XXXX, 2015. I called on XXXX XXXX, 2015, to express my extreme disappointment about the loss of this benefit ( on XXXX XXXX, 2015 ) and asked for compensation in order to remain a cardholder. They promised XXXX bonus points and said that was the maximum. I was only awarded XXXX bonus points to my account. A friend was offered XXXX points and a {$75.00} credit for the annual fee. We both received our cards at the same time. Not only did U.S. Bank XXXX XXXX not provide me the points I was offered, they " short-changed '' me considerably in comparison to others. And if you read their terms for new cardholders, the Bonus Award Night is still listed, even though it ends on XXXX XXXX, 2015 ( https : //www.usbank.com/credit-cards/club-carlson-premier-rewards-visa-signature-credit-card.html )! I 'm now concerned about the ethical nature of this company.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following unauthorized accounts and inquiries from my credit report. These entries are fraudulent and resulted from a data breach and identity theft. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request immediate removal of these items. 
Unauthorized Accounts XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$3200.00} XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$16000.00} Unauthorized Inquiry XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX
Product: Checking or savings account

I received a Debit/credit card from Discover XXXX XXXX bank. I dont have an account with Discover. 
When I called Discover bank, they informed me an account had been opened within the past month. A change of address was requested as well. 

They had my DOB, social security number and mothers Madein name. They had processed my change of address. 

The account was closed and flagged as fraud. 

I received letters from XXXX XXXX XXXX XXXX as week as from XXXX XXXX  that attempts were made to open on line accounts in my name.
Product: Checking or savings account

I Had Checking Account, And Savings Account With Wells Fargo They Owe me Money it's A Law Suit out They have not Contacted me Had the Account for About XXXX  Years Are longer My XXXX Check was going there There where over charging me At ATM
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit reporting was hacked in Massachusetts. As a result my credit information has been subject to unauthorized release of credit information as well as potential credit fraud.
Product: Credit reporting or other personal consumer reports

I have been a victim of XXXX data breach and my personal information was stolen and used to open these accounts. I have contacted XXXX to investigate these accounts for months and they have done nothing about it! These are the name of the accounts XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX