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

Disputing the inaccuracies of all 3 bureaus regarding the multiple charge-off on my credit report. However, they are in violation according to 15 USC 1681i ( A ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My Husband XXXX XXXX XXXX is the borrower. Im on the deed and im making the payments out of my account. Not allowed access to any information on the account. i signed papers here at my kitchen table at the same time he did.im not on the note i found out how can i get information when im the only one paying the bill.
Product: Credit card

Someone other than me, applied for a credit card under my XXXX account. 3 times. 

All 3 times were denied by XXXX. I have disputed all XXXX with XXXX and now Experian. 

The thing that is unfair, is that these fraudulent applications have resulted in 3 Hard Inquiries on my credit report. As soon as the fraud perpetrators hit send on the fraudulent application, I get a Hard Inquiry on my Credit Report. But Experian gets 90 days to remove them from my Credit Report after XXXX tells them the applications were fraudulent?!?! Where is the fairness in that? 

I have since locked my Experian credit file.
Product: Credit reporting or other personal consumer reports

XXXX and Equifax are both reporting a car loan with a balance from XXXX XXXX as XXXX even there was an agreement with the company via email for a pay to delete. Both have been given a copy of the email and still do not remove the inquiry. 

The other issue is that XXXX has a balance on my report that was forgiven due to COVID. They continue to sell the debt even though it was forgiven, and the collections agency does not return mail requests asking for valid information regarding the debt. Both credit reporting companies have been notified and the investigations do not have proof of communication or a return letter requesting more information.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I purchased an amplifier and was in agreed upon at the time of purchase the guy XXXX XXXX XXXX XXXX was going to hold until i picked up on sunday or Monday. I paid the guy {$60.00} for the amp and to hold until i drove into the city. When monday morning came I messaged the person that i purchased the amp from to get the address to pick up the amp i bought. I was ignored and blocked. Four days later I seen the same amp i bought posted for sale and when i looked at the post and it wasnt being sold by the same person. I messaged this person XXXX XXXX XXXX XXXX and he confirmed that he purchased from a " XXXX '' in Illinois. When the conversation went on this guy was none the less nice not polite. I then tried to reach out to XXXX as well as my bank and Cash app to get my money back. My financial institution refunded my money temporarily until they conducted an investigation. I got a letter on Thursday 4- stating my bank was taking the funds back as their investigation shows that cash app are not responsible. That they are a 3 party financial center. But they need to be held responsible as they claim its safe but it is not.
Product: Credit card or prepaid card

I experienced identity fraud by a fraudster using my SSN and phone to create XXXX capital one accounts, which now is closed by Capital One. I am unable to be approved either way because of what the fraudster did to my identity and how the fraudster violated the terms and conditions of Capital One 's XXXX XXXX card and Capital One XXXX XXXX. I would like to start new with Capital One but they system automatically rejects my application because of past actions performed by the fraudster.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$140000.00} ; XXXX XXXX Balance Owed : {$360.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$520.00} ; XXXX XXXX XXXX  Balance Owed : {$7500.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX  Balance Owed XXXX {$3400.00} ; XXXX XXXX XXXX Balance Owed : {$7800.00}
Product: Checking or savings account

Capital One did not send me the full balance of my account after they decided to close my account. My balance when they decided to close my account was {$4400.00}. I received a check for {$2300.00}. And was left with a remaining balance of XXXX. The money has collected interest. And I have not been sent the remaining funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate complaint, I'm sending this complaint due to frivolous respond from Transunion Credit Bureau. ONLY TRANSUNION HAS REPORTED THIS ACCOUNT ON MY REPORT. 
I'm not using any third party for this matter and represent myself by myself. 
I would like to be provided with ORIGINAL application and my signature that match with my addresses and personal information on the account that Transunion has told me that that they have verified. 
I am that I am, the consumer in fact, natural person, original creditor, Ender, executor, administrator, holder in due course for any and all derivatives therefore for the surname/given name XXXX, Consumer, and I have been appointed and accepted being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a Consumer, XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, given this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact,, The Truth in Lending Act is intended to inform consumers about the cost of credit.

Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it.

Fact, XXXX  is aware and has proof in attachment labeled as exhibit A that XXXX XXXX - XXXX is in violation of 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. 
Fact, XXXX is aware and has proof in attached labeled as exhibit A that XXXX XXXX XXXX IS IN VIOLATION OF 15 USC 1692 ( B ) ( 2 ). ANY debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state such consumer owes any debt. 
Fact, XXXX is aware and has proof in attachment labeled as exhibit that XXXX XXXX - XXXX is in violation of 15 USC 1692 ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in debt collection business or that the communication relates to the collection of debt. 
Fact, XXXX is aware and has proof in attachment labeled as exhibit A that is XXXX XXXX - XXXX in violation of 15 USC 1692 ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 
I'm asking TRANSUNION to verified all included my original signature on that account, address, amount that have been paid or balance and provide all to me, or delete this account - XXXX XXXX - XXXX XXXX FROM MY REPORT IMMEDIATELY.
Product: Debt collection

A debt collection agency has been repeatedly calling family and friends to contact me when I never gave out the info of those people that they call. I 'm willing to talk to the agency, however they never make attempts to call my phone. Instead they keep calling third parties that are in no way a part of the debt nor should the agency have their numbers.
Product: Mortgage

About 4 months ago I had spoke with someone at Mr Cooper mortgage company about doing a Loan assumption on my USDA loan. They had told me the process I needed to follow, so I got all the paper work together and sent it out to them. I continually contacted them during the past 3 months asking the status of my loan assumption. They tell me to call back in the beginning of XXXX to check the status if I hadn't heard anything. So I called back today on XX/XX/ and spoke with a woman who told me that USDA loans are not assumable and that my request was denied. Yet, she further states that her computer did not allow her to conduct an assumption. To my knowledge USDA loans are assumable. Furthermore we requested an appeal based on the denial of the assumption.
Product: Checking or savings account

I opened an account with Bank of America trusting that they will fulfill there obligations and duties as a bank. While opening with them I connected another bank called XXXX  using plaid and the micro deposits. Doing this I transfered funds from my irs tax refund to the bank of america account from my varo account. Only because varo has no branch locations they are an online account. I transfered XXXX which was taken from out of my varo bank account and sent to bank of america. Once the funds hit my bank of america account bank of america automatically and unlawfully froze my account. With no reasonable explanation to myself nor the other bank varo. As XXXX has tried to help me access the funds as well. This money was for my rent and car note. ( Eviction notice is attached to this complaint as well ) While at bank of America 's branch locations I showed two branch managers at two different locations 1 where the money came from 2 what bank the money came from 3 who initiated the transfer ( myself ) 4 sending bank on the phone to verify transactions.

However bank of America 's fraud department or customer service still stated they will not remove the hold. The branch manager then told me that this seems shady on bank of America 's part because that is nor how this should be operated. Bank of America 's reps then told me they need the other bank to verify the transaction which is not an issue other than the fact that varo bank does not have phone support just online chat and email. However I managed to get varo on the line to speak with bank of america and verify everything about the transaction. Bank of America 's fraudulent behavior caused them to then hang up on me twice and then state that I can not call the bank they need to after varo bank says that they will not speak to any 3rd party 's without the customers consent on the phone first. I've spoke with another bank of america rep who told me that bank of america automatically flags any transfer from chime or varo bank accounts. Which is not fair to tax payers who work hard for there money. I've tried every thing to get the account off of restriction forme to avoid this eviction and repossessed car. Bank of america illegally conducted a faulty investigation and failed to protect its customer. After a consumer contacts the bank and let 's them know of an error the bank must timely conduct and resolve the situation. Bank of america is engaging in unfair and abusive acts towards its customers. Customer service hangs up on customers, one supervisor told me u have called to many times. I will pursue this until my account if unrestricted and my funds are available for use again. I'm loosing my car and home due to bank of America 's bullying tactics. Of they can show me one thing that I've done wrong or made it look fraudulent I'd not make this a big deal however I've done nothing at all to cause this. Now I am dealing with emotional distress and a major financial XXXX.
Product: Checking or savings account

I have attached correspondence, but essentially, TD Bank refuses to close my account unless I : 1 ) Visit a branch in person that is hours away, risking the health and safety of my family during a worldwide pandemic, 2 ) Get a notarized letter, the process of which risks the health and safety of my family during a worldwide pandemic, to facilitate closure of the account, or 3 ) transfer out the funds from the account - which had already been done until they accrued {$0.00} of interest before processing the closure - an amount too low to transfer. Rather than writing if out or issuing a check, it's " hey we don't care about COVID '' - over literally XXXX XXXX. Their recklessness is shocking and disturbing to me, and if I weren't already trying to close my account I surely would be now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried repeatedly to have Equifax update my personal information as well update my creditor account information. Equifax has continually refused to do this. They insist that they have the information that is being reported by my creditors. I have informed them that they do not have the correct information and that I know my creditors have sent updated information. The information they are reporting is 7 months old, well past the 90 days it should take them to update information from lenders. They are still showing two accounts, which my name is no longer associated with, as being open and they are showing an incorrect balance on a third account. In addition, I have asked them to update my new legal name to match the name on my social security card, drivers license, and credit cards. Again Equifax is refusing to do this claiming that they can't prove my identity when I have answered every question they have asked. I'm sure had they updated my information from the lenders at some point in the past 7 months they would have discovered that my lenders have the new legal name already.
Product: Money transfer, virtual currency, or money service

I used XXXX to send funds. They were sent in error to wrong number and I was unable to reverse transaction or have funds returned.
Product: Student loan

This is a follow up in dispute of FedLoan 's practices as described in my previous Complaint # XXXX. On XXXX XXXX, 2017, my dispute explains that althgough Fedloans has agreed to reverse the forbearance they forced onto my loans after I called them out ; they proceeded to implement the same issue- a new forbearance, on XXXX of my loans. 
I do not know why they insist on forcing these forbearance 's on me, especially since all I requested was a re-calculation of my loan payments. 
Why ca n't Fedloans just let me keep paying my bill until they give me my new payment amount? 
I believe that Fedloan Servicing is forcing forbearances on people under the premise of waiting for the calculation of new monthly payment totals. 
I have attached the interest notice that I received in the mail. 
Again- I did not ask for a forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and found there are still several inaccurate data points within my personal identification which you are reporting. 
My only name is XXXX XXXX Please delete any other name you are reporting that does not match My only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Please delete any other addresses that you previously reported. 
My only social security number XXXX. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right, for any names and addresses other that what I have listed above and below be removed immediately as they are not accurate and untrue. 
After you have completed my request, please send me a copy of my credit report reflecting these changes. 

NAME : XXXX XXXX SSN : XXXX ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX MA DATE OF BIRTH : XX/XX/1995
Product: Credit reporting or other personal consumer reports

There is a fraudulent collection account reported on my credit report. I have contacted the creditor, collection agency, and credit bureaus disputing this and requesting proof of my owing this money, but neither party has provided evidence. The credit bureaus keep claiming that they have investigated this and confirmed it, but they have not provided the methods used to verify as I have requested, and the collection remains on my credit report. I have written letters, emails, online disputes, etc. to no avail.
Product: Bank account or service

There is an ongoing dispute between myself and Wells Fargo & Company regarding the following:

1.) The failure of Wells Fargo & Company to provide identity theft protection services as advertised in their account contracts; and,
2.) Wells Fargo & Company's violation of consumer protection laws such as the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, as well as their state equivalents.

I am writing to request Wells Fargo & Company provide me with papers, documentation, and instructions on how to resolve this dispute via arbitration. It is my understand that Wells Fargo & Company forbids the use of public and fair jury trials or public courts to resolve these issues and I would like clarification.

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

On XX/XX/XXXX I got an alert saying that I missed a payment on my Target card so I called them and spoke with a rep that said he was going to reverse the late payment and the {$1.00}. He said that in 30 days to check back and the late payment should be removed along with the {$1.00}. My card was not used the actual credit limit was still on the account. I called today XX/XX/XXXX due to my report not being updated and spoke with a Rep who said that they are sorry for the mis information the {$1.00} was removed but the late payment will remain. My issue is why would the representative before tell me that the late payment can be removed because the {$1.00} was removed from the balance. I told the rep if the {$1.00} was a mistake and you guys removed it then that means the late payment is mistake to. This is hurting my credit rating, I am in the process of buying a home and I won't be able to because of Targets miscommunication.
Product: Debt collection

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. 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 an 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. The list of Collections below should not 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 XXXX XXXX XXXX XXXX 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

I have been writing in and calling explain that i am a victim of fraud I do not have an account with this company and its been almost four months of me waiting on proof of validation. they can not provide it and I still have the issue of false reporting on my credit reports which is offensive and in violation of my rights.
Product: Student loan

I enrolled in XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX under the promise of " vast '' career opportunities and financial stability based on the institutions history of former student body. 

I was misled as to the career opportunities that would await me upon graduation. I am still struggling at the age of XXXX for steady employment. I have acquired additional professional licenses to enhance my marketability.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$360.00} XX/XX/2022 15 U.S.C , 1681section 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 an 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 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

Recently, I did an investigation on my consumer credit report and I found several items on there to be inaccurate. Under 15 U.S. code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S.Code1681i ( 5 ) Treatment of inaccurate or un, verifiable information ( A ) In general if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, any item or information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please Remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In addition to these fraudulent accounts, I've noticed several hard inquiries XXXX XXXX, XXXX XXXX XXXX,