23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mother passed away XX/XX/XXXX and I have been making mortgage payments on the property every since then. 

I have submitted all documents proving that I am the sole beneficiary of the estate and property at XXXX XXXX XXXX XXXX, Ga XXXX. 

However, my name is not listed anywhere on the account. 

I have contacted the mortgage company regarding my assumption of the mortgage. 

The response was, XXXX XXXX you ARE listed on this account, so you do not NEED TO ASSUME THE MORTGAGE. 

However I now know this statement to be FALSE! 


I am required to assume the mortgage in my current financial situation. 

This assumption would allow me to get the financial benefits from the VA in my name as the owner. Which I can not do until this home is officially listed as mine. 

I provided the documentation last time I contacted Consumer Finance in XXXX. However only one of of the two issues got resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notified XXXX XXXX Equifax and XXXX on XX/XX/2022 and have to be notified of my disputes being investigated and violates my rights as a consumer
Product: Credit card or prepaid card

XX/XX/2023 care credit closed account after saying payments not paid. 
called before payments processed after getting notice from XXXX about them having issue reported issues to them followed there instructions an had corrected an paid an taken care of today closed account due to two rejections. after i reported issue with them an even got with XXXX an verified money was there. not to mention they waited a week at a time each payment to even try to pull money after was suppossed to with draw another day.
Product: Credit card

I noticed that my XXXX XXXX started to drop and then I investigated through XXXX XXXX and found out that it was due to Capital One Reporting me as an Authorized User Customer of theirs! I did not apply for a Capital One Account or give my Consent to be an Authorized User! 

I reached out to the company to Report XXXX but nothing has ever happened Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received verification of the inaccurate items.. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states failure to investigate items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

I see a charge XX/XX/XXXX XXXX airport that is not ours. 

XX/XX/XXXX, I sent package for guaranteed 3 day delivery for birthday gift and as of XX/XX/XXXX it has not arrived. 
I wish to get refund for {$2600.00} for services not rendered. I paid certified return receipt so hopefully not lost or stolen by " porch pirates ''
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 

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
Product: Checking or savings account

In XX/XX/year>, XXXX migrated the management of my retiree XXXX XXXX Account ( XXXX ) to XXXX XXXX. At that time, I inquired how to obtain my monthly transaction end of month statement via XXXX Mail. I have continued to try and obtain this statement for the past XXXX  months. I have used their customer service web site, I have contacted them via XXXX different XXXX number customer service centers. I have attempted to speak with a customer service XXXX on the phone. I have written emails to the head of the customer service department, and I have written multiple emails to the CEO of XXXX XXXX, the parent company of XXXX XXXX. I have NEVER, EVER once received a monthly statement via the mail.
Product: Credit reporting or other personal consumer reports

i checked my transunion credit account and XXXX XXXX XXXX  has two inquiries for XX/XX/2023. One is spelled XXXX XXXX and one is spelled XXXXXXXX XXXX. I only applied for the credit card once on XX/XX/XXXX, XXXX please remove one of the inquiries.
Product: Debt collection

This Collection Company XXXX XXXX XXXX, Purchase this account from XXXX XXXX for a Fraudulent debt of {$380.00}. XXXX XXXX closed the account 5 yrs ago when we found out it was a Open Fraudulent account. I was living abroad on a mission in the bush XXXX XXXX in villages. It was deleted from my credit file 4 times. and comes and goes over the years. XXXX XXXX XXXX has refused my letters and calls, I do not owe this debt. It was found fraudulent over 5 yrs ago. I am very disappointed how I have been handled and the Legal morals of XXXX XXXX and XXXX XXXX. XXXX XXXX also changed the dates of the debt to XXXX 2017 that is Illegal. I want this Identity theft account removed from my report. I also have written the credit burials over 4 times and know help. I should never be punished for Identity theft it has been years of repairing my life.
Product: Credit reporting or other personal consumer reports

To Whom it may concern I am writing to formally request the blocking and deletion of fraudulent accounts and information that have been placed on my credit report due to identity theft from a data breach. As a victim of identity theft, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically under FCRA 605B ( 15 U.S.C. 1681c-2 ), to have this fraudulent information removed from my credit report immediately. You are in violation of the Gramm Leach Biley Act, clearly violating my privacy.

The following accounts were opened fraudulently and are violating my privacy rights as a consumer by remaining on my credit report : Account Name : XXXXXXXX XXXX XXXX  {$29000.00} Account : XXXX XXXX XXXX {$36000.00} This fraudulent information is a clear violation of my consumer privacy and protection rights under both federal and state laws. It has caused undue harm to my credit profile and threatens my financial security. Allowing such information to remain on my credit report is a breach of your duty to protect consumers sensitive information. 
To support my request, I have included the following documentation : XXXX. Identity Theft Report : A copy of my Identity Theft Report filed with the Federal Trade Commission. 
XXXX. Proof of Identity : A copy of my government-issued ID and Social Security card to confirm my identity. 
XXXX. Proof of Residence : A recent utility bill as proof of residence. 
I request that you block and delete this fraudulent information from my credit file within the legally required timeframe, as outlined in the FCRA, and confirm this action in writing. Should this request be ignored or delayed, I reserve the right to pursue further action, as this constitutes a violation of my consumer rights and privacy protections. 
If you require additional information to process my request, please contact me directly at XXXX Thank you for your immediate attention to this serious matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint about inaccurate information being reported on my credit report. Under law, a credit reporting agency must take action to verify information submitted as inaccurate. And verification must be submitted to me and I have NOT received any verification. I believe the following information to be inaccurate. 1.CREDITOR NAME - XXXX  XXXX XXXX XXXX - Account type- Installment Account. **i am disputing this account for inaccurate information. I had sent a letter on XXXX/XXXX/XXXX to XXXX XXXX XXXX, did not hear back from them. I then received my letter returned from post office on XXXX/XXXX/XXXX, undeliverable to XXXX XXXX XXXX stating the creditor address was not delieverable as they no longer do business there. On XXXX/XXXX/XXXX, I sent a wrong address to Experian stating that the address that Experian has on my credit file for XXXX XXXX XXXX WAS inaacruate and that they need to remove XXXX XXXX XXXX IMMEDIATELY FROM MY CREDIT FILE, I have not heard back from Experian or XXXX XXXX XXXX and as of XXXX/XXXX/XXXX, XXXX XXXX XXXX is still reporting on my credit files. I want this deleted immediatly from all my credit files Now. I am getting no answers. The last report date of the account was XXXX/XXXX/XXXX so there 's no excuse as to why this accounts displaying inaccurate information. Thank you for your help
Product: Checking or savings account

I received a promotion ( code XXXX ) offering XXXX XXXX  points after 90 days of opening my account. I have completed the requirements ( open a Citi debit account, two deposits totaling {$1000.00}, and spend {$1000.00} ) and confirmed with a Citi representative of my completion. The telephone rep said I can expect the XXXX points to be deposited in my account ( # XXXX ) after 90 days, but it has been more than 90 days since I have opened my account and still have yet to receive any points.
Product: Credit reporting or other personal consumer reports

I noticed several hard inquiries on all XXXX of my credit reports ( XXXX, XXXX, XXXX XXXX ). I even received several denial of credit letters in the mail for stuff I never applied for. Instant credit was even provided in more than XXXX incident. I have contacted the phone numbers listed to explain the situation to no avail. They always say, I'm sorry ma'am, there is nothing I can do. 
There are also addresses on my reports that are in states I have never lived in. Email addresses as well. My name is misspelled several times and other last names have been added as well. 
Jobs that I have never worked, etc. Inquiries are as follows : XXXX/XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX  XX/XX/XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX MI XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX Also, these collection agencies are harassing me for alleged debt that they claim I owe them but these are fraudulent accounts. 
XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX {$600.00} MIDLAND CREDIT MANAGEMENT {$730.00} XXXX XXXX XXXX {$430.00} There is an account with XXXX/XXXX  {$600.00} That I never opened and it says I have XXXX late payments. 
XXXX  XXXX  {$540.00} says I had XXXX late payment and I NEVER did. 
XXXX  XXXX  {$620.00} FRAUDULENT XXXX XXXX  XXXX {$760.00} FRAUDULENT
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. I have included their internal file number. My name, ssn, & address has not changed. TransUnion has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report Should they continue in this course of action, I plan to take legal action but I want to create a paper trail. 

INQUIRIES XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX
Product: Vehicle loan or lease

This is an additional notice in reference to Complaint # XXXX, written XX/XX/2023. Ally notified CFPB that they were in the midst of responding XX/XX/2023. To date, there has been no response by Ally. Reference XXXX of XXXX XXXX XXXX XXXX XXXX EXT XXXX. Since their act of repossession of said vehicle, I have made numerous attempts via voicemail, email, and mail, to explain their violations of holding the vehicle in spite of my objections and defenses. I've explained to XXXX numerous times that, PER THEIR OWN COMPANY POLICY, they CAN NOT repossess a vehicle if a " debtor '' raises an objection to the repossession. ( See attachments XXXX and AllyXXXX ) Even after explaining to XXXX that the vehicle must be returned and can only now be taken back through court order, her response is that this matter is still under review. There is nothing to review : as long as the " debtor '' has a claim and defense, Ally is SUBJECT TO THOSE CLAIMS AND DEFENSES, and therefore CAN NOT REPOSSESS UNTIL AND UNLESS THEY HAVE A COURT ORDER. I have had to file the vehicle as stolen with the Arizona DOT and with law enforcement, since there is no other way to enforce Ally 's compliance ( See attachment XXXX ). These attachments have all been sent to XXXX since the last complaint was filed, so she is well aware of these issues. Because of Ally 's continued non-response to this pressing issue- I can not work, I can not get my children to school, I can not drive to get groceries, I can not do anything substantially dependent on my means of transportation - and because Ally has known about this issue for a month, and yet refuse to cooperate in any form or fashion, I am hereby damaged and aggrieved. Additionally, it MUST be repeated : the reason they repossessed the vehicle was due to " default '' of the payments, and this is because of THEIR OWN DOING. By restricting my method of payments to be done through money order or certified funds, and denying my ability to pay under the original method of paying online ; in spite of my requests for them to justify where in the contract or law this was allowed for ; and in spite their unjustified attempt at adding addendum onto the contract I'VE NEVER AGREED TO, in which THEY ENFORCED A POLICY WHICH WAS NEVER AGREED TO IN THE ORIGINAL CONTRACT ( see attachment XXXX  ), they have therefore BREACHED THE CONTRACT. THIS MAKES THE CONTRACT VOIDABLE.
Product: Credit reporting or other personal consumer reports

Company still has not removed a fraudulent account on my record despite there being police report, FTC report, and me stating the account is not mine. The account is not mine but yet this company keeps reporting it on my consumer report. The account in the letter is false and not 100 % accurate.

I have been trying to solve this problem for some time with your agency and the corporations you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and the account not being 100 % accurate under 15 US Code 1681e ( b ). I am a litigious consumer Meaning I am unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Product: Debt collection

I cancelled my XXXX XXXX account on XX/XX/2018 due to under performance and terrible customer service. I received a confirmation number of XXXX and was told my account was closed and I owed {$13.00}. The month of XXXX and XXXX, I start receiving calls from XXXX XXXX XXXX stating I owe {$320.00} for an outstanding balance I had with them and thier XXXX account, which I never had. I used XXXX XXXX, as XXXX  was not available in my area. I spoke with at least 10 different people in a number of different departments and they were unable to explain to me how these charges were brought up. I believe there was an internal communication error during the XXXX XXXX XXXX XXXX XXXX merger. They have since sent me to collections with XXXX XXXX XXXX XXXX and they are now trying to collect the debt. I spoke with them and they said there is nothing they can help me with and that XXXX XXXX XXXX is not in the wrong. I need help with this please or some explaination. I feel XXXX XXXX XXXX is bullying a long-time, loyal costumer and trying to make me pay for a service, long after Ive cancelled that service with them.
Product: Credit reporting or other personal consumer reports

Dispute XXXX XXXX under FRCA Section 605 B
Product: Credit card

condense into complaint ending XXXX new issue barclays i have requested to SPEAK to someone to explain why reduction in my credit and raising aprs is not justified violates my rights and now they are not crediting my payments... they are on hold wont accept i can explain and its not based on a bad record payment wise. so i will expect someone in authority not a ROBOT. to request times to speak to me i wont accept all this especially since any conclusion made about me is likely inaccurate as to my credit or standing. 
or more info is needed so i let them know and like XXXX the ball is dropped its a ONE SIZE fits all world i requested appeal reconsideration of reducing my credit. and everything else holding payemtns all of a sudden after XXXX  years when i have no bad record. Further i have emailed written letters i just get ROBOT letter responses to call. 
i have. i get the run around as to the email customer service its a JOKE. it it horrid its like talking to the wall. they do nothing refund my interest. WHY>>>> all the misinformation i got froXXXX XXXX XXXX XXXX to being lied to about my card being sent in 2 days.

this bank does not adovcate for its customers and as such i am reducing my use considerably. do all and add to complaint as to XXXX  first i am told its in FRAUD since most of the money charged was unauthorized no consent then i hear nothing i get no response from the company who are CROOKS and who will be used on breahc of contract and decepitve business practices then i get letter charging me back for it.no no no no not in a world with rules like ours. pls add to complaint dont send useless script one size fits all deepending my cynicism in the human race. resolve all i wont let XXXX charge go further i need to know nj courts and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  needs to be refunded but this bank operations are poor and there is no advocacy request appeal of holding payments increased apr and taking my credie if you SPEAK to me since you have no basis to do this REALLY you would know more sometimes AUTOMATICITY fails why do i have typos? XXXX XXXX made worse by this.
Product: Money transfer, virtual currency, or money service

This is my 3th complain about Gemini, This Company take my money from my Bank account XXXX USD and don't return, more de two moths they promise to return Now I send copy from my bank transaction and copy from complains more people reviews with the same problem Gemini make Fraud with me and more people here in US
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm been sending letters for Validating and verifying the REPORTED infromation on my accounts for more than 6 months!!! 
I have my consumer rights to get my report CORRECT and REPORTING only VERIFied and TRUE but some accounts are missing DATE OF LAST ACTVITY or reported WRONGFULLY, Date of last payment is INVALID or LATE PAYMENT was NEVER LATE. 
Letters sent out for Personal information and other Negatives false reporting accounts on and BEFORE : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 But the accounts still shows date last verified on these accounts XXXX, I never got a respond letter from the bureaus or the creditors VALIDATING or EXPLAINING the ERRORS reported. and the accounts are not marked as DISPUTED!! compelty IGNORING MY LETTERS even though I added to each letter my identification documents!!
Product: Debt collection

Requested company to provide original debt contract. Sunrise Credit Service was unable to do so therefore, negative item needs to be removed off my credit profile.
Product: Money transfer, virtual currency, or money service

Paypal is holding {$10.00} XXXX from my account they said that they can not release the money and I can not close the account for 90 days. they started that is they right to hold it and i can not do anything about.
Product: Mortgage

We entered into a timeshare agreement in XX/XX/2014, within XXXX I called XXXX XXXX XXXX XXXX XXXX XXXX the purchase, I was informed to keep the agreement for XXXX and they would resolve in good faith. They did not honor this agreement, and I engaged legal assistance to absolve my responsibilities in this scam.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Failure to Delete Fraudulent Accounts from Credit Report violanting the law FCRA To Whom It May Concern, I am writing to file a formal complaint against [ experian ] for their failure to remove fraudulent accounts from my credit report as required by law.

I recently disputed several accounts on my credit report under the claim of identity theft, pursuant to 15 U.S.C. 1681c-2. I submitted a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ) as evidence. The credit bureau acknowledged my dispute but has not complied with the requirements set forth by the Fair Credit Reporting Act ( FCRA ). 
Despite my initial request for the blocking of these fraudulent items, the following accounts remain on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681i ( 7 ) - Description of Investigation : Pursuant to the FCRA, credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's
Product: Credit card

I enrolled in autopay for Belk Credit Card. I received confirmation of enrollment in program via email. When bill was due they charged an interest fee and late fee and did not make authorized payment.
Product: Credit reporting or other personal consumer reports

My information was in the Equifax Data Breach. I filed a report with the FTC over 60 plus days ago. I called all bureaus & I was told to mail in supporting documents to all 3 bureaus which I did. Some of the inquiries were removed but none of the accounts that were listed. I was told that they would investigate and I would hear something within 30 days. However according to a copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. This matter still has not been resolved.