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

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet there are accounts still passed on that should be taken out. Per FCRA segment 605 you are expected to delete any records. I've proactively remembered this report for a past letter and I am including it once more. I will take legal actions regarding my aims. The following accounts needs to be removed : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXXXXXX Balance : {$980.00} ; XXXX XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$900.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion 2 hard inquiries were falsely register on my credit report. 

XXXX XXXX XXXX  XX/XX/2022 {$0.00} XXXX XXXX XX/XX/2022 {$0.00}
Product: Credit card or prepaid card

On XX/XX/2020, I noticed that my credit scored declined due to a debt on " XXXX goods. '' I immediately checked my credit card with XXXX, which was paid in full, and I noticed that it was a due payment amount ( {$80.00} ) for fees that were not supposed to be taken. My credit has been excellent due to my responsibility for my payments. I was not even notified about my credit card charges in the email linked to the account. If I hadn't noticed the decline in my credit report ( something that many don't have access to ), then the outcome would have been a big debt. It is just unfair and frustrating. I called the company to fix the situation, and they just told me : " well, close the account, '' which I did. They were not able to return my fees because they stated that they couldn't.
Product: Mortgage

I have read much data recently pointing to the fact mortgage loans actually do not fund at closing and instead a bait and switch is done with the HUD1 and the paying off ( or not ) of prior liens. Therefore, when I was reviewing my closing documents, I was shocked to see " Total Estimated Funds Needed to Close '' on the RESPA listed as {$490000.00} vs. anything close to the loan amount of {$190000.00}. Might this be prima facie evidence of the chicanery happening?
Product: Credit reporting or other personal consumer reports

XXXX said my address is accurate which it is not I dont stay or never stayed at these two address in that state. I been in this state since XXXX Fraud I put a freeze on my credit while I get this removed and came back verified There is no way it did for another state oh no
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name U S DEPT OF EDXXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX
Product: Checking or savings account

On XX/XX/2024 I received a notification from my bank ( Chase ) that a fraudulent charge of {$210.00} was attempted at a store I do not visit. I opted to have a new replacement Debit card sent to me. Although the replacement card was sent to my address, I never saw it because it was physically stolen by the thief first. The card was used to withdraw {$4500.00} from my checking account on XX/XX/2024 at XXXX at a city I have never been to ( XXXX XXXX XXXX XXXX  ). I noticed the fraudulent activity on my mobile app, and I drove to my local Chase bank in XXXX XXXX, XXXX. I arrived at the bank frantic, just one hour after the fraudulent withdrawal, at XXXX. The transaction still showed Pending, and I requested that the transaction be cancelled. Chase refused, and allowed the transaction to continue, despite me saying that I did not authorize it. A claim was filed with Chase to have my funds returned to me. The claim was denied, and the bank refused to return the {$4500.00} that was stolen from me.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the numerous attempts I have made to rectify the issue of fraudulent items on my credit report associated with your institution. 

Over the course of the past, I have diligently followed the prescribed procedures outlined by your organization for disputing fraudulent items on my credit report. Despite my repeated efforts, these fraudulent entries persist, causing significant distress and concern for my financial well-being. 

I have attached copies of the documentation supporting my claims, including but not limited to fraud alert requests, dispute letters, and any other relevant communication. This includes reference numbers, dates of communication, and any pertinent evidence that may aid in the expeditious resolution of this matter. 

It is disheartening to experience such difficulty in removing fraudulent items from my credit report, especially given the potential negative impact on my creditworthiness. I understand the importance of accurate reporting and the potential consequences of fraudulent entries on my financial profile. 

I implore you to conduct a thorough and urgent investigation into this matter and take immediate action to remove the fraudulent items from my credit report. Additionally, I request a comprehensive explanation of the circumstances that have led to the persistent presence of these fraudulent entries and assurance that steps will be taken to prevent their recurrence in the future. 

If this matter is not resolved promptly and to my satisfaction, I may have no choice but to escalate my complaint to relevant regulatory bodies and seek legal counsel to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding negative items was submitted on [ DATE ], and I have not yet received a response. ''
Product: Credit reporting or other personal consumer reports

Transunion is reporting information inadequate Auto Loans with XXXX According to the FCRA section 605B It is illigal to report information on my credit report without my permission. Thank you please remove this from my credit report now Thank you
Product: Checking or savings account

I sent a scheduled XXXX payment for {$1200.00} to a recipient that was taken out of my account on XX/XX/XXXX. The recipient reached out on XX/XX/XXXX they have not received any pending transactions. On XX/XX/XXXX I reached out to the bank and they told me to file a dispute and in XXXX to XXXX business days it should be credited to my account. It did not get credited. On the XXXX business day. I called and again I was promised a credit in XXXX to business days. This continously has happened where I was promised an escalation and credit but I have not recieved it or any information on the hold up or the cause of it. There's also overdraft fees that I have been charged totaling {$170.00} transactions that would've been covered had the credit been posted by original promised date, or the second promise date, or the third. I stil have not recieved the credit or any information to what's happening. Just continous promise that something will happen at a later given date
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 : XXXX XXXX : Account XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my 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 XX/XX/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 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

On or about XX/XX/2023 I called Chrysler Capital and informed one of the representatives that I no longer wished to share my nonpublic information with XXXX, XXXX, and XXXX. The representative informed me that I can not limit the sharing of my information, however I informed the representative that pursuant to the Gramm Leach Bliley Act a consumer/ customer can opt out of having their personal nonpublic information disclosed to by opting out. The representative responded stating that she understands my concern but I can not limit the sharing of my information once again. The call ended and I typed a notice on or about XX/XX/2023 and sent it to Chrysler Capital. In this notice it contains this same request and I'm requesting for Chrysler Capital to stop sharing my nonpublic information with XXXX, XXXX, and XXXX.
Product: Debt collection

In XX/XX/XXXX, I filed for bankruptcy. My XXXX  account was one of the accounts I reaffirmed. The monthly statements ceased, but I expected them to return again after the bankruptcy discharge. The discharge was in XX/XX/XXXX. The statements did not return. For most of XX/XX/XXXX, as I would go to the individual branch each month for my payment, the Manager tried his best to find a solution to the problem for me. 
I have never missed a monthly payment throughout this time. However, I have to guess what my payments are, and go to the location to make a payment. Last Fall, I finally learned why my statements are not coming in the mail. I was told after contacting XXXX XXXX at XXXX, that she no longer handles the bankruptcy and for me to contact XXXX XXXX, at XXXX. I had eventually made contact with XXXX XXXX, through email. She informed me the account reaffirmation was never filed. 
I finally spoke with her, and explained I had an email from XXXX XXXX, who said it was. XXXX XXXX said it has to be filed with the courthouse. She said my attorney was supposed to do it. 
I contacted my attorney. They stated the attorney does not file it, the creditor does. And, told me that BBVA Compass has been a creditor in prior bankruptcys they have worked, and BBVA Compass has always filed it at the courts in the past. 
I am attaching communication through the emails. 
I am being discriminated against, retaliated against for a reason I do not know. I simply had a hard time, filed bankruptcy, reaffirmed, and am trying to get on my feet. I simply want BBVA to treat me with the same respect they have treated others, and for them to file my reaffirmation of debt, and send me my monthly statements as before. I am just trying to pay my bill with efficiency and in completion. 
Please help me to find out why BBVA Compass is retaliating and discriminating against me. And help me to stop it.
Product: Debt collection

I owe XXXX to a payday company and the debt collector told XXXX of my family members that I owed money and that they would sue me for XXXX if I did n't get in touch with them.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX and all of its sister companies are illegally reporting inaccurate items to my credit report. The Account is being reported as closed and Charged off, written off as bad debt. According to the IRS Charged off debt is not to be reported on a consumers credit profile as debt ; it is seen as ORDINARY INCOME, see IRS publication XXXX, XXXX and XXXX it does not MATTER WHAT REASON THE DEBT WAS CHARGED OFF, IF YOU WRITTEN OFF ANY DEBT FROM YOUR 2021 BUSINESS INCOME AND THE AMOUNT IS OVER ( {$600.00} ) THEN THE DEBT IS FULLY DISCHARGED AND CANCELLED Also The Contract that the company has on file Does not belong to me, As the name on the Contract is not my name. WHY ARE YOU XXXX AND XXXX XXXX REPORTING INACCURATE, FRAUDULENT INFORAMTION TO MY CREDIT REPORT. YOU DO NOT HAVE A LAWFULLY BINDING CONTRACT WITH ME! DELETE THIS ACCOUNT FROM CONSUMER MY CREDIT REPORT IMMEDIATELY. THIS IS DEFAMATION OF CHARACTER. I AM NOW TELLING YOU TO CEASE ALL MEANS OF TRYNG TO COLLECT AN UNLAWFUL DEBT FROM ME. ACCORDING TO 15 U.S. Code 1692c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
Product: Credit reporting or other personal consumer reports

CFPB, Wanted to bring this to your attention XXXX XXXX XXXX  account has been closed over 3 years. Equifax has reinserted this account as open and still is reporting it on my credit report. Reported dates are XX/XX/year> and XX/XX/year> why are they doing that.
Product: Money transfer, virtual currency, or money service

Related to request XXXX that I submitted on XXXX XXXX 2021 and Binance.US didnt bother to answer. 

On XXXX  XXXX I initiated deposit of {$5000.00} that FAILED according to notification from Binance.US mobile application. 
But my bank transferred {$5000.00} to Binance.US on XX/XX/XXXX and the money are not in my BInance.US account! 

Now because Binance.US never bothered to answer and solve this issue I called my bank and asked to get my money back. 
And now Binance.US froze my account, threatened to sell my assets and requesting to deposit {$5000.00} because of chargeback of money you DO receive according to XXXX  XXXX XXXX data.
Product: Debt collection

XXXX  has started texting me about a debt they say owe to XXXX from XXXX the problem here is I have never been contacted by XXXX for any unpaid services. Also, they are prepaid, you secure with a credit card and they charge you before they ship any goods, they did not provide me with Net terms. I looked up this company and all reports I found said this is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled for a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I saw my report I was caught off guard on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these unknown items from my 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.
Product: Credit reporting or other personal consumer reports

This company is claiming that I was late on my car payment when I never was and I want it fixed or removed off my credit report - it is impossible to get anyone on the phone to fix the situation so I'm resorting to involving the CFPB
Product: Credit reporting or other personal consumer reports

I am writing to bring attention to a matter that has been unresolved since my initial contact via mail and subsequent complaints filed with the Consumer Financial Protection Bureau ( CFPB ). Unfortunately, despite the passage of several months, I have not received the anticipated resolution from your department concerning the misleading and inaccurate entries on my credit report. 

***See letter about the details of the disputed information. ***
Product: Credit reporting, credit repair services, or other personal consumer reports

filed an complaint with CFPB in XX/XX/XXXX, Complaint # XXXX against XXXX XXXX XXXX, On XX/XX/XXXX I received an response from XXXX XXXX XXXX via CFPB, stating that all three credit companies would be updated to " Paid in full '' and never late. I applied for a credit card today and learn that their is still a charge off on my credit reporting from XXXX XXXX XXXX. I had spoken to a manager with XXXX XXXX XXXX in XXXX and made them aware that the information had not been removed for my credit and was informed that it was removed. I spoke with XXXX today XX/XX/XXXX and was informed that the charge off is still reporting and an additional inquiry was added to my credit from XXXX XXXX XXXX, which they were not authorize to place an inquiry on my credit. 

I have attached a copy of the first and second response from XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent Experian, XXXX and XXXX has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 604 a section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

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.
Product: Credit reporting or other personal consumer reports

On my credit report, there are two entries for a XXXX XXXX XXXX  account with the same account number ( # XXXX ). One account is listed as opened on XX/XX/XXXX, and closed in XX/XX/XXXX, while the other account is listed as opened on XX/XX/XXXX, and closed within the same month. 

Both entries are outdated and should no longer be on my credit report, as they fall outside the seven-year reporting limit set by the Fair Credit Reporting Act ( FCRA ). These accounts have been closed for more than seven years and, per FCRA guidelines, are ineligible to remain on my credit report. Continuing to report these accounts violates my rights under the FCRA and creates an inaccurate representation of my credit history.
Product: Checking or savings account

XX/XX/year> I opened a 360 Capital One personal checking account. After opening my checking account I called the online banking service and asked if I could add my roommate to my account. I explained that his state identification card was expired the capital one representative for online banking service told me that was fine that he can still be added to my account. On XXXX XXXX I and my roommate the joint account holder mobile check deposited a cashiers check in his name of {$5000.00}. The cashiers check cleared after authorization of the issuing bank and of the account holder that issued and authorized the cashiers check and she over nighted the cashiers check. On XX/XX/year> for no reason my checking account was closed and my funds are still being held in my account of capital one bank. I have went inside the capital one branch and I have called numerous times to capital one online banking services they cant explain to me why my account was closed and why they cant release my funds from my account that they closed. My roommate the joint account holder has called the capital one online banking service and they say that his identity cant be confirmed because his identification card will not upload. The online representative for capital one knew that my account could be closed and the representative still added my roommate knowing about his status of his expired state identification card. Every time I have reached out to capital one each representative that we speak with says something different about my account and my funds held. They are lost with no explanation and they are very rude. They told me to open another checking account I did and they closed it and mailed me a {$2.00} check to my address. But are holding my funds in my joint account. The tracking information was provided to the issuer of the cashiers check of the goods that were shipped to her and to Capital One Online Banking Representative. There are so many dates they I have reached out to capital one and they never tell the same story. I would greatly appreciate it if you could get my funds released to me. Thank you for your time and consideration in this matter.
Product: Mortgage

My mortgage was purchased by XXXX XXXX XXXX, d/b/a Mr. Cooper effective XX/XX/XXXX. On XX/XX/XXXX, the lender sent me a message that my escrow is in deficit and that I owe an extra {$6.00} per month. My escrow account is only for PMI payments. I pay {$1800.00} every month to my lender. This includes principle, interest and PMI payment. The lender then pays PMI out of the escrow account. I don't have access to the escrow account. My loan is a 30 year fixed rate mortgage and the PMI payment does not change. 

The lender 's allegation that my escrow is in deficit is wrong and fraudulent and deceptive as I don't have access to my escrow account and I never missed a payment. I am current on all my balances and the latest monthly statement shows {$140.00} in my escrow account. The escrow review statement seems like a shakedown to increase my monthly payment on a 30 year fixed mortgage. 

I sent a letter to my lender on XXXX XXXX, XXXX asking them to fix this, but they have not responded. I also called them on XXXX XXXX, XXXX and XXXX XXXX, XXXX but they are unwilling to resolve this issue. but they are unwilling to resolve this issue.