23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I saw a home for sale ( XXXX XXXX XXXX XXXX, XXXX, MD XXXX ) on XX/XX/2023, learned it was a VA loan, and submitted an offer that required a VA Loan Assumption ( swapping out the current owner 's VA XXXX loan entitlement for mine ), and it was accepted on XX/XX/2023 with a contractually obligated closing date of XX/XX/2023. The lender, XXXX XXXX XXXX XXXX ), provided the wrong direction to me, for the first 2 weeks of a 30-day closing process. You see, I had XXXX homes on a VA Loan at the time, one in XXXX XXXX, IA, and one in XXXX XXXX, MD. VU confirmed to me, multiple times, by multiple loan officers, that I only had to refinance XXXX the XXXX XXXX XXXX out of a VA Loan and I was good. On Friday, XX/XX/2023, XXXX contacted me to let me know that everything they had been telling me to do was wrong. When I asked why, they were unable to explain why or provide supporting documentation in the VA XXXX XXXX why. I requested documentation but never received an explanation or citation. The new direction I received was that 1 home had to be sold and the other home refinanced out of a VA XXXX. Now, on the Friday before XX/XX/XXXX, I just had XXXX weeks to now sell the XXXX XXXX XXXX and begin the refinancing process of XXXX XXXX. I was able to accomplish both tasks but VU was constantly making up new rules and requirements. In the final XXXX weeks of closing, I had to call the Department XXXX XXXX XXXX XXXX VA ) nearly daily in order to get them to contact VU and have them explain themselves, and every time VU would fold and rescind their requirements. XXXX specific examples are : ( XXXX ) on Tuesday, XX/XX/2023, VU contacted me to inform me that they could not close on XX/XX/XXXX without an updated VA XXXX XXXX XXXX ( XXXX ) which is factually incorrect. I contacted the VA, the VA emailed VU, and VU honored the VA XXXX XXXX and confirmed they could close on the XXXX, MD XXXX on XX/XX/XXXX. This happened, yet again, within XXXX hours of closing, at XXXX pm on Thursday, XX/XX/XXXX, that VU would not close without a new, updated XXXX. VU 's loan XXXX, XXXX XXXX, informed me that XXXX 's legal team stepped in and enforced this requirement without providing any supporting documentation or explanation. Again, I called the VA, and they fixed the situation yet again but were alarmed to hear that a company 's legal team stepped into the mortgage closing process after the " cleared to close '' has been issued, within XXXX hours of closing. We demanded an explanation from VU to explain the irregularity of their legal team 's involvement but were provided none. I believe that XXXX was trying to prevent the loan assumption because it would be less profitable for them because the loan was going to be assumed at 2.75 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I mailed letters to XXXX, Equifax and XXXX. Here is my tracking : XXXX : XXXX Equifax : XXXX XXXX  : XXXX I requested to have inaccurate and misspelled personal information deleted from my credit report. My federally protected consumer rights have been obviously violated plus this is a violation of the Privacy Act which states a consumer has the right to dispute and remove any inaccurate information on their credit report. Not only was my information affected by the Equifax data breach, I have included the correct spelling of my name, address, birthday and provided the correct SSN number as well. according to the Fair Credit Reporting Act and the following sections listed below, my federally protected rights as a consumer have been violated : [ 15 U.S.C. 1681 ] ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. [ 15 U.S. CODE 6802 ] a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information [ 15 U.S.C. 1681s-2 ] 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.
Product: Checking or savings account

Ive been with Wachovia /Wells Fargo since 1997. Over the years esp in the last 8 years they have illegally said I didnt have money when I did - caused numerous over draft fees that were not accurate and stole money from me on numerous occasions. They are well known for this. And its not right - they need to be held accountable for stealing from its customers
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Transunion and the other one have incorrect personal information and refuse to fix the issues. 
I did not ask them to collect this information, they should at least get my information correct so I can ensure there is no fraud using my information. 
They continue to refuse to assist and demand I send my entire life history through the XXXX and waiting weeks for a resolution. 
I did not send my personal information to begin with!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX checked their database of 4.7 billion publicly breached accounts and my email address ( XXXX ) showed up in 1 data breach. That means my online accounts and personal info may be compromised. XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ), originally incorporated in the state of Wyoming, is no longer in business. In XX/XX/2017 a massive trove of data from XXXX XXXX XXXX was found exposed online. The data was found to contain almost 1.4 billion records including email and IP addresses, names and physical addresses all of which was used as part of an enormous spam operation. Once de-duplicated there were 393 million unique email addresses within the exposed data., also I am part of the data breach that occurred with XXXX XXXX , XXXX and the IRS . I am following the advice from the FEDERAL TRADE COMMISSION on filing a complaint. I am disputing all of the following information due to be incomplete and inaccurate. I have made all the reporting credit bureaus aware of the Identity Theft and the Fraudulent accounts and nothing.
Product: Credit reporting or other personal consumer reports

USPS TRACKING NUMBER XXXX Delivered XXXX, PA XXXX XX/XX/2024, XXXXXXXX XXXX Transunion failed to open an investigation of dispute that was sent via certified mail. Transunion made the letters disappear as if it never exists, with no communication. 
For identification, a notarized and signed document, a state Drivers license, a social security card, and a utility bill was provided. 

Dispute letter delivered XX/XX/2024 Listed below are the Accounts that are being challenged XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a new XXXX XXXX from Barclays jet blue. This card is blocked and now has an {$82.00} charge. Please review futures complains with this card company. Been trying for hours to get through to someone without any luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account XXXX has violated my rights 15 USC 1681 section 602 8 states I have the right to privacy 15 USC 1681 section 604 A section also states a consumer reporting agency can not furnish your account without my written instruction
Product: Debt collection

On XX/XX/XXXX an Electronic Funds Transfer was rejected from my Credit Union. The amount was for {$330.00}. This was not my check and was caught while I was at the bank disputing two other checks that were cashed against my account. The credit union immediately closed my account and reimbursed my funds. I disputed in writing these debts with XXXX XXXX XXXX and now with Professional Bureau of Collections of Maryland , Inc. but continuously receive phone calls and letters. I responded in writing again on XX/XX/XXXX and again today through an email. I also fileed a police report for fraud.
Product: Credit reporting or other personal consumer reports

Madza Financial Services I co signed for a car I gave them the car back they sold the car an they closed the account XX/XX/XXXX but they pulled XXXX points from my credit today they have not told me the amount car sold for the man says its no balance so why pull off my credit if its no balance owed please help XXXX XXXX Im no longer A XXXX it was a XXXX madza XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX, Fl XXXX To whom this XXXX concern, after recently reviewing my consumer report, I noticed UNAUTHORIZED credit inquiries on my consumer report. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete it 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 XXXXXXXX Also while looking at my Consumer Report I see that Regional Acceptance is on my report. However the account has been written off and or cancelled. the IRS sees this as taxable income and income can not be reported on a consumer report. Please Delete immediately. Please see document enclosed. 


XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is alleged negative debt that is being associated with a XXXX bankruptcy on my credit report. Please remove these accounts. I am no longer associated with these creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was never late or past due. This account was paid on time, every time XXXXXX/XX/XXXX Account Number XXXX Account Type Installment Loan Terms 051 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Late Payment Status Details 30 days past due Status Updated XX/XX/XXXX Balance {$16000.00} Balance Updated - Credit Limit - Past Due Amount {$140.00} High Balance {$19000.00} Monthly Payment {$550.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, CA XXXX Ownership Individual account Original Creditor - Company Sold-to - Original Amount - Comments - Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this charge off on this XXXX XXXX XXXX XXXX for months. XXXX have deleted them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' ''
Product: Checking or savings account

on XX/XX/2023 i contacted XXXX XXXX through customers bank because i noticed my account was overdrawn after my check just went in. after speaking to numerus found out there was a XXXX hold on my account. i informed them it was fraud and i did not authorize it. i asked if they could put a stop payment on it and they said no. i then asked for who the charge was from and they could not tell me any information minus it was a bank to bank charge. they tell me now i have to wait 1 to 2 buisness days for them to figure it out and find out who it is. i cant file a police report with out any information. they wont release back the funds.
Product: Debt collection

Debt amounts are questionable. I ran my credit report and seeing 4 medical debts from grant merchandise agency. 2 debts from kings collection. Grant merchandise is claiming I have 6 debts from them but im only seeing two debts being reported from XXXX. 4 from XXXX and none from XXXX. The amounts are not consistent from what I owe and would like them verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a free credit report through the FTC on XX/XX/22 for Experian, XXXX, and XXXX. I was only able to get a report through XXXX and I noticed there was a XXXX XXXX XXXX  account on my report that did not belong to me. I filed a dispute with XXXX, but I was unable to with Experian and XXXX as I was not able to receive a report in the first place from either company. I just want to ensure that this XXXX XXXX XXXX account, which does not belong to me, does not show up on any of my credit reports.
Product: Money transfer, virtual currency, or money service

Venmo Money App is a large financial app that takes money and allows payment or to receive payment. Lately they have been freezing accounts for several weeks for no reason leaving the user stuck unable to access funds or make transactions. A user cant make payments or receive payments from work or other transactions for several weeks. Its happened to me and is going on right now. I dont think a financial institution should be able to manage money if they dont have staff to run it properly. Right now my account is frozen for no reason and its been weeks and nobody knows why. My paycheck is being withheld until this problem is fixed. This is common. They shouldnt be allowed to operate in this manner, managing money, when they often freeze and hold money for weeks with no real way to fix it
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX my account was never XXXX days late. account was only approved for deferal. 
please remove these XXXX  day late for each month noted. 
i am entitled by FCRA to request this be corrected and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a recent copy of my credit report and noted several unauthorized inquiries. 

I have contacted the creditors noted below, and they stated that they have no evidence that I initiated the inquiries, either written or otherwise, and could not provide me with permissible purpose. As these inquiries are both unauthorized and unsubstantiated, I request that they be deleted from my credit report. 

Per Section 604 of the Fair Credit Reporting Act ( FCRA ), all users of my credit report must have a permissible purpose. Specifically per Section 604 ( a ) ( 3 ) ( F ), a consumer reporting agency may only furnish a report if the recipient : otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer Since there is no evidence that I initiated these requests, I request that these inquiries be removed from my credit report as per section 611 ( 5 ) ( A ) ( i ), and that you promptly delete the following items from my credit report. 

The following inquiries were not authorized : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX # XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX , XXXX- Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX   XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Also Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the late payment listed on the following account. 

This delinquent account record is inaccurate. I request that the following account be validated, or promptly removed On DEPT OF ED / XXXX Account XXXX accounts be removed because they are reporting last payments that are not accurate please remove these accounts immediately.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXXXXXX Please remove from my public record XXXX - Account Number : XXXX THIS CONTRACT IS CANCELED XXXX XXXX - Account XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My name is " XXXX XXXX XXXX '', I have been trying to request investigation and removal of inaccurate items in my credit report but none of my affords have been fulfilled. According to Fair Credit Reporting Act, I expect you to complete this verification within 30 days. 
**Address reported** XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX These addressed are not belong to me XXXX i have attached proofs of my current address below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX How can there be XXXX $ monthly payment on a charge off and closed account. DELETE IT IMMEDIATELY!!! 
XXXX hard XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX BANK XXXX : XXXX. XXXX, XXXX All Banks UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _UNIVERSAL CREDIT SER Inquiry : XXXX XXXX, XXXX Miscellaneous Reptg. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Miscellaneous Reptg. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. I also never receipt any writing mailed disclosure about this report according to XXXX XXXX XXXX ( a ) XXXX requires early warning notice ONLY after they have notified said person before it is placed on the credit report.
Product: Credit reporting

I discovered that I was the victim of identity theft on XX/XX/2015, most likely due to the XXXX breach. I immediately placed a fraud alert on my credit reports and called the creditors. I also requested copies of my credit reports from the XXXX CRAs. I filed a police report on XX/XX/2015, as well as an FTC Complaint. 

I mailed a letter on XX/XX/2015 to Equifax, detailing the information on my credit report that was due to identity theft. This included: XXXX revolving accounts/credit cards that were not mine, XXXX inquiries that were not mine and that I did not authorize, and an address that was not mine. I based this letter off of the FTC guidelines and included the following as enclosures: the police report, the FTC Identity Theft Affidavit, proof of identity, my credit report identifying the information to be corrected/blocked, and a copy of FATCA 15 U.S.C. 1681c-2. I requested that the fraudulent/incorrect information be blocked with XXXX business days, in accordance with FACTA. 

I mailed the letter to Equifax certified mail, return receipt requested, on XX/XX/2015 It was signed for on XX/XX/2015, according to the return receipt. On XX/XX/2015, I received an automated email from Equifax, stating that my reinvestigation was started and that it could take up to XXXX days to complete. I checked my credit report on XX/XX/2015, and found that all of the fraudulent/incorrect information was still being reported. I called Equifax that day and was transferred many times before being connected to the fraud department. I explained that this was not a regular FCRA dispute, but a FACTA dispute resulting from identity theft. I cited FACTA 15 U.S.C. 1681c-2 and stated that the information should have already been blocked, as it was governed by a XXXX day timeline, not a XXXX day timeline. I was told that they were waiting on a response from the creditors. I explained that this was their responsibility, not the creditors, and that it had to be blocked while they investigated. However, the Equifax representative repeatedly said there was nothing they could do at this time and offered me the address to their legal dept. 

As of this date, XX/XX/2015, the items continue to be reported on my Equifax credit report, 16 days and 12 business days after receiving notification. I am in need of a new car, but I cannot apply for an auto loan with these fraudulent accounts and inquiries on my credit report.