23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

American Express e-gift card - you can not use it online or in your XXXX XXXX. 
Keeps being declined and has a balance over the transaction amount. 
I called customer service numerous times and it is just automated with no person answering. It is very frustrating as would like to use the money. My boss sent this to me as a thank you for extra work and I can't even use it!
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my updated personal credit report and I noticed that there are unauthorized inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unathorized inquiries as soon as possible : XXXX XX/XX/2021 ; XXXX XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX CA XX/XX/2021 ; XXXX XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXXXX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXXXX/XX/2021 ; XXXX XXXXXXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXXXX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXXXX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXX XXXX XX/XX/2021 ; XXXX  XX/XX/2021 ; XXXX & XXXX XX/XX/2021 ; XXXX XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXX XXXX
Product: Checking or savings account

XXXX mailed XXXX checks at a post office & they were stolen. The checks were altered & deposited at XXXX different banks. A total of {$16000.00} was taken out if my account. I reported it to my bank on XXXX XXXX and filed a police report. I still haven't been told if & when I might get my money back. Can you help me?
Product: Mortgage

My mortgage company is reporting a past due mortgage to the credit bureau when my mortgage is not past due. They are also trying to make me pay a balance that was not included in my mortgage refinance. About a year after I refinanced my mortgage through a modification, Carrington Mortgage Services then started adding a balance of {$6000.00} plus to my mortgage which already included in the modified amount of the mortgage. Nowhere in my modification documents does this amount exist otherwise but someone in the bankruptcy department decided to add the additional to my bankruptcy even after it was applied to the balance in my modification. They have now reported this as a past due payment to the credit bureau when in fact my mortgage is current and has been for some time They are now showing my mortgage as 7 months past due as of this complaint filing for {$20.00} per month payments. I have asked them to correct this and they have refused. My bankruptcy will discharge this month and they were originally included until the modification, at which time they gave notice of no claim. They simply refuse to correct this and now puts me in a situation whereas I am unable to refinance my mortgage with anyone.

Also they have this fee on my account that I don't know why its there for {$90.00}. I had originally thought I'd need Covid relief, but did not, and have been making my payments. They are just daily distorting my account because I believe they want to try to illegally foreclose on my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate information placed on my credit report regarding the collection account of XXXX, XXXX, & XXXX XXXX on numerous occasions with TransUnion. 
Pursuant FCRA Section 623 ( 5 ) ( A ) : Reporting information with actual knowledge of errors. 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 this collection should be removed from my credit report. 

I have provided TransUnion a plethora of documentation substantiating my claim that the date of first delinquency ( DOFD ) is XX/XX/2015, however TransUnion has refused to remove the item. 

I have attached the same documents furnished to TransUnion.
Product: Checking or savings account

I have given navy federal my Ada letter then they banned me and now they locked me out of my account havent sent me a new card or updated my address because I suffer from XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Company refusing to remove fraudulent information from my credit report I have filed a identity report online
Product: Vehicle loan or lease

To Whom It May Concern, I am writing to formally dispute an auto loan that was fraudulently opened under my name by XXXX XXXX, financed through TD Auto Bank. This loan was created without my knowledge or consent, and several violations were committed during this process, breaching multiple consumer protection laws. 

Details of the Fraudulent Loan : Loan Holder : TD Auto Bank Dealership : XXXX XXXX Name : XXXX XXXX Contact Number : XXXX Email : XXXX Date of Birth : XX/XX/year> Issues with the Loan : XXXX. Unauthorized Loan Opening : The auto loan was opened without my knowledge or consent, violating the Fair Credit Reporting Act ( FCRA ), which protects consumers from unauthorized use of their credit information. 
XXXX. Illegal Down Payment : A {$2000.00} down payment was taken from my debit card without my permission, in direct violation of the Electronic Fund Transfer Act ( EFTA ), which protects consumers against unauthorized electronic fund transfers. 
XXXX. Pressure Tactics for Extended Warranty : I was pressured into accepting an extended warranty that I did not want or agree to. This practice violates the Truth in Lending Act ( TILA ), which requires clear and honest disclosure of credit terms. 
XXXX. Fraudulent Contract Signing : My information was signed on the contract fraudulently, which constitutes identity theft under the Identity Theft and Assumption Deterrence Act.
Product: Credit reporting or other personal consumer reports

I am a victim of multiple data breaches therefore, I would need all of the accounts on my credit report that have been exposed and compromised to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) immediately.

I am formally request the blocking and permanent deletion of all accounts associated with my personal information due to the recent data breach. 

Also, I never lived at the address associated with these accounts in New Jersey. 
I have lived at XXXX XXXX XXXX, XXXX NJ XXXX since I was a kid at the age of XXXX. I previously lost my wallet back in 2018. I have been told by XXXX XXXX that someone at the address, XXXX XXXX XXXX XXXX NJ is using my personal information. I have reported this to the Federal Government via an FTC Report. 

I am also disputing all the information inside public records, etc that you used to previously verify these accounts because they are also a result of identity theft. All of that information was used and created by someone else because like I mentioned, I never lived at XXXX XXXX XXXX XXXX NJ I am overly aware of my consumer rights so please correct this problem in order to prevent Litigation. I will also be mailing a Certified Copy of This Dispute to Your Address so I can have proof in case litigation must take place. 

I NEVER SIGNED FOR THESE ACCOUNTS AT ALL. I PROMISE NOT ONE OF THESE ACCOUNTS CAN PROVIDE YOU WITH A VERIFIABLE SIGNATURE OR SIGNED CONTRACT AGREEING FOR THEM TO REPORT THESE ACCOUNTS TO MY CREDIT REPORT. Thats because these accounts were not opened by me. 

According to The FCRA, You must provide verifiable documents, signatures, contracts etc in order to verify that these accounts belong to me in which they do not. 
Aside from everything stated above, all of these accounts were exposed and compromised due to 2 XXXX Data Breaches. Proof is Attached. 

If These Accounts Are Not Removed From My Credit Report, My Lawyer & I Will Pursue Litigation with XXXX followed by Experian & XXXX since the FCRA States that all accounts affected by a data breach must be removed from my credit report. 

I Already lost over {$10000.00} + Spent over {$5000.00} mailing letters and receiving legal guidance on how to remove these accounts from my report. 
If I have to send one more dispute, I am coming for everything I lost through litigation
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX This account has been removed from my credit reports XXXX on XX/XX/XXXX ( XXXX ) XX/XX/XXXX on XX/XX/XXXX. ( XXXX XXXX XXXX XXXX XX/XX/XXXX. ( XXXX ) As of XX/XX/XXXX there has been a new attempt placed on my credit report for this debt from XXXX XXXX, collection company Stellar Recovery INC . 

XXXX received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully. 

Result : Deleted - XXXX has deleted the account or record from your XXXX credit report. 

If you are not satisfied with the results of your dispute request investigation, you may complete and submit a Request for Investigation directly to XXXX and XXXX at the address below, along with any supporting documentation. You may also request that XXXX and XXXX add an explanatory statement of XXXX words or less to your credit report.
Product: Credit reporting or other personal consumer reports

The original creditor is XXXX XXXX. XX/XX/year> Statement balance was {$430.00}. I could not access account to pay and next I know I received collections from XXXX XXXX XXXX XXXX for $ XXXX. They took me to court and could not provide statement past the {$430.00} amount mentioned above ; someone still was awarded " split cost '' which somehow totaled $ XXXX. Although no amount ever mentioned past $ XXXX, they put that I owed {$1000.00} on my credit history as a new account as if I recently created the debt owed. Although debt was created back in XXXX 

I reached out to Experian and explained all of the above, and although the creditor has no signed documents or statements that has the amount of {$1100.00} and shows it is " a new '' collections account, they allowed the company to remain on my credit for a false amount and collection date. Account is from XXXX not current.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXXI found out my PayPal account had been permanently restricted keeping me from getting my XXXX  Funds and cash balance out of the account. I have not violated anything in the terms and agreement so at this point my funds are no longer theirs to hold. I have nothing in previous transaction that will explain a legal right for PayPal to hold these funds for any longer. I am having a financial crisis because of this action from PayPal. I will end up in the streets because these funds are being withheld from me. PayPal chose to close my account they no longer have the right to hold my funds. I called several times and on one occasion was lied to about no supervisor because they are all of equal authority. Yet I called again and was told they needed to speak with a supervisor. Remind you now these are recorded conversations. I was told the wallet was getting accessed from XXXX I don't know anyone in XXXX so this was another lie. I feel as fast as they restricted the account they can restore it long enough to get all my funds out immediately. I called on XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX 
The amounts of funds are {$1400.00} XXXX {$160.00} I know there is a way to give me access long enough to get these funds out since they closed my account of their own decision. I give you to XX/XX/ for this to be completed. 
To resolve this I will need immediate access to my funds. I look forward to PayPal reply ASAP.

I will expect my funds released immediately or I can get in touch with several other organizations that can get this resolved. I'll for sure let the Texas AG know about this. 

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

INQUIRIES LISTED BELOW! 
XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX inquiry XX/XX/XXXX removal date XX/XX/XXXX EXPERIAN BUSINESS CRED inquiry XX/XX/XXXX THEY ALSO VIOLATED MY RIGHTS UNDER 15 U..C 1681 SECTION 604 A SECTION2 : THE LAW CLEARLY STATES CREDIT CREDIT CANT FURNISH A ACCOUNT WITHOUT WRITTEN INSTRUCTIONS I HAVE NOT GIVEN THESE BUREAS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ON MY CREDIT REPORT AS WELL AS XX/XX/XXXX THE CREDIT BUREAS HAS RESPONDED TO MY DISPUTE AND THEY DID HONOR MY REQUEST TO REMOVE FRAUD ACCOUNT OFF MY CREDIT REPORT FROM XXXX CREDIT BUREAS. 
as XX/XX/XXXX the 3 credit bureas removed this fraud account, and then between XX/XX/XXXX -- -- XX/XX/XXXX this negative fraud accounts was back on my credit reports damaging my credit again and holding me back from progressing my living situation as iam not mobile and not able to get better paying jobs due to bad credit and a car and home as well. 

15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.

it has been 30 days and you are in VIOLATION of the law becuase iam a victim of identity theft!! please delete items as soon as possible! 

thesen accounts should not be furnished on my consumer report as they are in VIOLATION!!!

under,15 U.S CODE 1681b - Permissable purposes of consumer reports ( a ) IN GENERAL subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates.I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my right as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. as a consumer iam demanding the deletion of the accounts listed i IMMEDIATELY
Product: Checking or savings account

CFPB COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX We are approaching the 60-day mark on this CFPB complaint.

The original problem caused by FirstBank of Puerto Rico dates back to XX/XX/XXXX. 
Their original {$5000.00} mistake has now accumulated over {$500.00} of interest charges and fees, and, due to them continuing top report this matter to the credit agencies, it has knocked XXXX points off my credit score. 

They have ignored me for more than 6 months and are now ignoring a Federal Agency for 2 months. 

Time to turn up the heat. 
Bring charges against them and I'll hire a lawyer and sue.
Product: Debt collection

I have just checked my credit score on XXXX ( as I do every month. ) I just saw tonight that there is a total of XXXX open debt collections from a " LAW OFFICES OF MITCHELL '' with no further information ... I have tried to call them and the phone number will only put me through to someone if I have an account number. I have looked them up online and all I can find is that they are n't a reall law office and they are n't to be trusted ... I should n't have anything on my credit and I have never heard of this law office. I am not sure who to contact or why it is on my credit. Thank you.
Product: Checking or savings account

I have NO statements for XXXX and XX/XX/2024. And Ally has still NOT closed my account and transferred my IRA funds to XXXX after over a year of trying and filling out Ally 's forms and submitting them to Ally. Are you going to do anything about this???????? Here 's my XX/XX/2024 complaint again ..... 


This is the Complaint I filed again in XX/XX/2024. NO statements were mailed to me bc I can not access my statements on line bc of Ally 's system. You closed my Complaint BEFORE I received a statement on a closed account and I still have not received a statement on my IRA account which has over {$500000.00} in it. What is wrong with this government agency?????? Do you do anything to protect consumers????? Hit ally with a XXXX XXXX dollar fine and then maybe they will respond. Ally is laughing at you. In addition I want my IRA account transferred to XXXXXXXX XXXX which have provided written authority to Ally on THEIR forms over year ago!!!!! Is your agency just paper shufflers????? Here is my last Complaint text : I have attempted to close my IRA accounts with Ally Bank for a year and half. filled out all their forms, faxed it, emailed it, even sent the forms to XXXXXXXX XXXX and XXXX who I want to transfer my IRA accounts to AND ALLY WILL NOT RESPOND TO XXXX  Since your dept is close to worthless and merely paper shufflers I am sending this complaint to you so you can snuggle it and NOT resolve the issues. In addition I requested that my IRA statements be sent to me as Ally will not allow me to view my statements on line. I requested my IRA statements be sent to me and my back statements for the last 2 years ( at not cost ) and Ally agreed to do it. I requested my statements on XXXX, XXXX and XXXX. I still have NO BANK statements of my IRA accounts. I need those statements so my attorney can file suit against Ally Bank. Based on your past no action I don't expect you will fine Ally Bank or resolve this but I want a Complaint on record.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits " furnishing certain deceptive forms ''. I'd like to bring your attention to the case XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXXXXXX XXXX ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. 
Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or its update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the refenced accounts that need to be updated to reflect positive and or removed from my credit report. Specifically, the following items on my report are disputed in attached doc.
Product: Mortgage

ARM adjustments for the last year every XXXX month, are XXXX XXXX  month Libor rate which means rate should be XXXX XXXX XXXX XXXX %. Now they calculate the rate as XXXX % ... Last two XXXX month rate adjustments letter I did not understand pursuant to the note calculation. Mr Cooper never replied to my letters for an explanation as the last one the lender said that they would reply by XXXX XXXX. AS Of XX/XX/2024 NO reply. ARM adjustment letter XX/XX/2024 from Mr Cooper using the XXXX XXXX  CONSUMER CASH FALLBACK.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in 2 letters regarding my credit report to each bureau and to the collector themselves. XX/XX/2021 was the last one I sent. I haven't checked my credit in awhile and noticed a collections account ( XXXX  ) show up on my report. I've called several times to dispute the wrong information being reported and I either get disconnected or the run around to figure out how this account is on my report. Every time I call in to explain that I've sent in my letters multiple times, the reply is they haven't gotten it. its been almost 2 months since at least ONE response even after calling. I have no clue what else to do and I feel like there won't be a resolution because they keep saying they haven't received anything. This account needs to be removed because I am not liable for this debt nor do I owe anything on an account I've never had a contract with. The false information on my report is unfair. Please help me figure this out, I'm out of options and frustrated that its been almost 2 months now.
Product: Debt collection

This has not been resolved, XXXX XXXX XXXX should have never allowed your company to purchase this debt because there wasn't any debt owed. How come my proof of payment doesn't match up with the one statement provided. I am requesting full history, transactions, payments, purchases etc on this account.
Product: Money transfer, virtual currency, or money service

I purchased cryptocurrency from the company and waited the required XXXX hours to be able to withdraw to my external wallet however they placed a security hold on my account when I attempted. I was asked for a selfie with a note and my license which I provided and they also acknowledged receiving it when I inquired about it but now there is no response to the emails or the tickets. And they have my money and wont release it ticket number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX  account # XXXX has violated my rights. 
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 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 purpose.
Product: Credit reporting or other personal consumer reports

There is a charge off from XXXX  XXXX that is ten years old. I have already wrote them a letter to take it off. They did nothing that car was stolen and due to my insurance being new they tried to use every excuse not to pay it off and they kept the car. I want that taken off my credit report. also there's a bunch of hard pulls that brought my credit score way down. Like one for XXXX XXXX I never applied for that credit card I want those taken off and my score back where it was.