23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

There were 3 x fraudulent transactions on my credit card. On XXXX XX/XX/2015 there were two amounts of XXXXaed taken from my Citi bak credit card. I have raised this fraudulent activity with the bank and they have not conducted investigations or refunded the money to me. I suspect these are fraudulent transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is inaccurate, I have tried numerous to contact XXXX, Equifax, and XXXX to request this information be removed. My FCRA has been violated because I was denied copies of documents that were supposedly used to to validate accounts and public records on my bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or correct the following items from my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX   ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

When XXXX was introduced to me via my bank it wasn't disclosed to me that if the funds were transferred to the incorrect person I could not be refunded.
Product: Mortgage

I received a letter from Bank of America Escrow department denying removal of escrow due to loan to value being 96 %.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to address the ongoing issue regarding fraudulent items on my credit report. Despite my previous attempts and providing substantial evidence to support my claim, the fraudulent items persist on my credit report. This continued presence not only undermines my financial credibility but also reflects negatively on the integrity of the credit reporting system. 

I request that you conduct a thorough investigation into these fraudulent items and take immediate action to remove them from my credit report. It is imperative that accurate and fair reporting is upheld to ensure the integrity of the credit reporting system. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX  XXXX XXXX, NV XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX OK XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Mortgage

For the last several years my mortgage company has continued to call and harass me about my payments. Here it is in a nutshell, I asked XX/XX/XXXX if i could make my payments at the end of the month since i get paid at the end of the month, the company said yes. Well, when that happened i was charged late fees, i called and asked why would you tell me something like that, they said that when you signed your mortgage it as signed for the beginning of the month. In order for me to do that, as far as making payments toward the end of the month, it will cost XXXX extra a month for each mortgage, I have XXXX mortgages XXXX and XXXX. I ask them to explain and according to wells fargo aka america servicing company that it cost monthly to reprocess your payments, and the XXXX a month addition would be for the life of the loan which is 30 years ( Monthly for 30 years, even though it is not written in their clause ). So at this point, I pay my mortgage on the XXXX of each month, and late fees has piled up but when i look on my credit report it says current, which means that they are trying to take advantage of a high interest rate homeowner, 9. 25 %, and 12.25 % ... ... .since XXXX I have been trying find companies that would refinance me but to no avail every company wanted money upfront even HUD , so Im stuck, and on a XXXX salary no one wants to help a XXXX and his family.. I have them on call blacklist, and they call every day three or four times a day. Can someone in your organization help me????? or do you need money upfront. the only time they dont call is when they get paid, but that only last from the the day it hits their system as a payment until the XXXX of each month, however these last few weeks they have been harassing me daily and it needs to stop. In XX/XX/XXXX, I applied for a loan modification, and they rendered a decision according to them - Our investors ruled that a you dont qualify for a modification- when I called and ask for an explanation, Wells Fargo told me that there was not explanation and that an explanation was not warranted, in other words, the XXXX with giving a reason, just take what the decision that is being dealt to you.. I would love to have an attorney who could help my family, I wish we could have a company that is about the homeowner, and not the mortgage company, A good friend once said, " Good luck with that " So here we are!!!!!!!!!!!!!!!!!!!!!!!! Whats next??????????????? From an underpaid educator, with high end interest, with a crooked mortgage company.
Product: Checking or savings account

Dates requested removal of negative items from my EWS report are XX/XX/2021, XX/XX/2021, XX/XX/2021. 

This company hasn't removed any of the negative items. 

Items described as Account Abuse, and Overdrawn
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX, XXXX, XXXX ; XXXX XXXX XX/XX/2021.
Product: Mortgage

Complaint We applied for prequalification of a house mortgage loan in XX/XX/2021 with Fifth Third Bank and got an approval. We get services at the branch located at XXXX XXXX XXXX, XXXX, KY XXXX on XX/XX/2021, we submitted the application for the house mortgage loan ( loan app # ) and received denial based on a technical error on XXXX XXXX. We contacted the bank soon afterwards about the error and the bank acknowledged that this was a mistake that should be corrected, and we should be able to fulfill the criteria to receive a house mortgage loan before the closing which was scheduled on XX/XX/2021. 
The bank officials involved in the loan processing endlessly and needlessly prolonged the process despite prompt submission of documentation and evidence from third parties and us about the error beyond the scheduled date of closing. During this period spanning almost 2 months, the banks officials repeatedly gave us false reassurances that the application will be approved leaving us no time to apply to other lenders. Subsequently, we were informed on XX/XX/XXXX via phone text informally that the loan is approved which was after the scheduled closing date. This left the parties no time to complete the transaction and sellers and buyers had to terminate the purchasing contract as there was no time to get the loan application processed by another lender. 
We are concerned that this episode not only reflects incompetence and negligence on the part of the officials involved but at the same time may indicate a deeper problem of discrimination based on our XXXX and national origin despite fulfilling all the criteria to qualify for mortgage loan approval. This has created an emergency housing situation for our family. 
We have been a customer of 53 bank for more than 10 years and have large sums in our account, with high income to debt ratio and excellent credit scores but have been treated by your institution in the worst possible way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an open credit card account at US Bank. 
It was charged off for non-payment. 
However, I made a repayment agreement with US Bank to pay off the debt in 12 monthly installments. I was told that this information would be reported to the Credit Bureaus ( XXXX, XXXX, and XXXX  ) regularly and accurately. I was also told that I could not be given written confirmation of this agreement. 
I have made the payments agreed upon. ( The agreements I made over the phone can be found here as I recorded my conversations while located in the state of New York : https : XXXX? XXXX ) However, US Bank is still reporting that I have not paid any of these accounts as agreed. 
I made an attempt to dispute this information with both the Credit Bureaus and US Bank on XX/XX/2020. I was told by US Bank that they have reported this information accurately and that I am not entitled to have my credit reports updated with the payment agreement information or showing that the payments have been received in full and on time.
Product: Mortgage

Ocwen mortgage company contacted me about their VA refinance program. They told me repeatedly that it would be of no cost to me and my balance would not go up. I never saw the amount I would be paying until it was time to sign. I noticed when signing that the balance was higher than I currently had. The notary was rapidly going through the loan and getting me to sign as fast as possible while " explaining what the paper was I was signing. When I noticed the balance was higher, he said I could bring that up with them later. The refinance ended up being {$3000.00} over my previous balance. When I called about this it was VERY hard to reach someone to talk to. I left repeated messages and nobody ever called back. I finally got in touch with Ocwen and they told me there was nothing they could do as I signed the new loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Be advised that the companies and companies date listed below obtained my consumer report without my authorization or permissible purpose under the FCRA. I have called Equifax to resolve this issue with one of their Fraud experts and they have directed me to the lenders who pulled my file and I have no need to contact any lender that did not provide me any credit and I did NOT give them permission to pull my credit so by law they must remove these fraudulent inquiries from my file 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 XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : MiraMed Revenue Group To Whom It May Concern I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program and I saw two incorrectly trade lines for an account from XXXX for XXXX XXXX XXXX XXXX XXXX XXXX for {$200.00}. Both account statuses show past due and they should not say that as these debts are not owed. 

I am requesting both a validation and " verification '' as well as the signed HIPAA release with my signature as the item being reported to the credit bureaus by XXXX is a VIOLATION of the HIPAA Act of 1996. XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by XXXX XXXX XXXX XXXX XXXX providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against XXXX as well as XXXX XXXX XXXX XXXX XXXX should this item not be deleted within 10 business days and until the debt has been validated and verified. XXXX is in direct violation of HIPAA regulations, and they are facing fines up to {$1000.00}, even possible jail time. 

I am seeking a legal remedy immediately as I have contacted Legal Services to obtain an attorney for free to file suit against XXXX, XXXX XXXX XXXX XXXX XXXX, and all 3 credit bureaus : XXXX, XXXX and XXXX. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from XXXX expeditiously as I have no idea where this debt is coming from and I do not owe this company any money. Additionally, I can prove that at the time of service, I was both unemployed and homeless. I completed the financial assistance forms, which should have taken care of any costs associated with my medical care.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian, XXXX, XXXX on X/XX/2017 and XX/XX/XXXX in regards to the negative information reported on my credit reports. Upon reviewing a copy of my credit reports I see various entries listing inaccurate Account Status ( Closed ), Payment status [ Debt included in or discharged through bankruptcy chapter XXXX,XXXX, or XXXX ] and balance. I 've asked the 3 credit bureaus to validate this information with XXXX XXXX and provide me with documentation associated with this account. I requested that the data be immediately deleted from my credit files that are maintained under my Social Security Number. I specifically stated that I do not consent to XXXX or any other means of automated verification to all 3 credit bureaus. Which they have ignored.
Product: Money transfer, virtual currency, or money service

Scammers called me claiming to be XXXX, the power company. They told me that my payments hadnt gone through and that they would shut down my power if I didnt pay a verification fee. I payed XXXX dollars but the scammers said the system needed more. I paid XXXX dollars more. They said they needed my bank information to refund my money and thats when I knew they were scammers they already took {$650.00} dollars at this point and they wouldnt refund, they started getting aggresive and more threatening so I hang up.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : On XXXX XXXX, I sent a certified letter to Equifax. The letter outlined how these 3 accounts were reporting wrong. I also sent my full credit report to them. I even went as far as circling these errors for their review. 
The report shows Equifax, that XXXX, and XXXX  were reporting that account # 's XXXX XXXX XXXX, as being Discharged in Bankruptcy. 
Equifax, as of XX/XX/2020, is reporting the selected accounts as being Charged Off. 

When these accounts were disputed with Equifax, the accounts were updated with erroneous status information. 
How can these accounts go from Included in Bankruptcy, to a Charge Off :? 
I would like to know Equifax 's method of verification. According to Equifax, these accounts were verified with the original source to be accurately reporting. If this statement is true, why did the status change from Included in Bankruptcy, to Charge off? 

After a Bankruptcy is discharged, the original creditor 's relationship is severed with the debter. No further reporting is required. Especially if it is reporting erroneous information out of spite towards the debter. 


In conducting any re investigation under paragraph ( 1 ) with respect to disputed information in thefileof anyconsumer, theconsumer reporting agencyshall review and consider all relevant information submitted by theconsumer. This did not happen. 

It is obvious that Equifax did not examine the enclosed supporting documentation that I sent them. There was no investigation by them. The e-oscar system does not take into account that the consumer might need an actual person to examine supplied information, to the bureaus, that could rule in the favor of the consumer. E-oscar only repeats the same negative information that is unverified with the original creditor. 

It is beyond belief, that with the current laws that are written to protect the consumer, that credit reporting agencies can be allowed to report information, that they physically did not verify. And if Equifax would have done an actual investigation, they could have seen that the discrepancies were very obvious to anyone that cared enough to view them. Equifax has failed to protect the consumer, from companies that report old or outdated information. 

I have enclosed the same report, that I originally supplied to Equifax. 

I pray that I have been clear.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 
These unauthorized/fraud inquiries have been the reason for my credit denial and hardship. 
I found I was not the one who authorized this inquiry, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am in error, then please send me proof of this.
Product: Student loan

I submitted my XXXX  application back on XXXXXXXX  and it was never processed. and now my loans are being handled by Ed Financial and i am on default since XXXX.
Product: Credit card or prepaid card

This complaint is a follow up to complaint XXXX, which was closed without acceptable resolution. The reason for this complaint is to supply new information and proof to support my claim. 

I have a XXXX XXXX credit card that was issued by Comenity Bank. I have had this card for over 15 years.I used the card to make purchases at XXXX XXXX, and have not had a problem until this year. The problem I'm having is that my account is not being credited for returned merchandise. Here 's a list of the amounts and dates of the returns : {$14.00} returned XX/XX/XXXX ; {$17.00} returned XX/XX/XXXX ; {$9.00} returned XX/XX/XXXX ; {$24.00} returned XX/XX/XXXX ; {$27.00} Order was cancelled XX/XX/XXXX because item was not in stock - but I was charged for it anyway and no credit was ever given ; {$24.00} returned XX/XX/XXXX ; {$4.00} returned XX/XX/XXXX ; {$4.00} returned XX/XX/XXXX ; {$32.00} returned XX/XX/XXXX ; and two orders of {$26.00} each returned XX/XX/XXXX. 

I have attached 3 PDFs that will support the above. Included are screenshots from XXXX XXXX website that verify the items returned, amounts and dates they marked the merchandise as returned. Included are letters from Comenity Bank indicating over 7 times where they are investigating my claim. Comenity even admitted that they made an error and issued two refund checks. I cashed the first one for {$400.00}, only for my bank to inform me three days later that the check was returned unpaid. This resulted in overdraft charges being assessed by my bank. since I live on a fixed income, my husband had to give me money to pay the overdraft and fees. Comenity sent another check, but I did not cash it in fear that they would return it too - which they did some days later. 

Comenity also reported to the three credit reporting bureaus that I did not pay my account for three months - that is untrue because I paid the account in full when they billed me - even though I owed them nothing. I paid in good faith expecting them to rectify the situation.
Product: Money transfer, virtual currency, or money service

I have an account since 2017. I went ahead and changed my bank account for deposits and withdraws and they have blocked me out every since. I have been putting in complaints and made complaints with the XXXX  several times. I have contacted support many, many times over the last six months regarding my issue never to be answered. No email, phone contacts or anything. I have lost alot of money because it took me three months to figure out that I could transfer my coins out of their system and I haven't been able to buy or sell. I have done 42 ID verifications as I was directed to do throughout this whole ordeal. I want my account fixed and anything they can do to help track and possibly compensate my for my losses. There should be NO COMPANY in the world that should be aloud to get away with not offering support. Especially after hundreds of attempts over a 6-8 month period.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding These are three accounts that are not mine and are affecting my credit report negatively 1.XXXX XXXX 2, XXXX XXXX 3. XXXX XXXX XXXX XXXX  XXXX XXXX, 2023 I want these items removed
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. 
XXXX  : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX  XXXX # XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights.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, credit repair services, or other personal consumer reports

I have requested these accounts to be deleted as they aren't mine in the past but they are still on there. Please remove them.