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

Credit Inquiries 1. XXXX XXXX XX/XX/2017 2.XXXX XX/XX/2017 3. XXXX XX/XX/2017 4. XXXX XXXX. XX/XX/2017 5. XXXX XXXX XX/XX/2017 6.  XXXX XXXX XX/XX/2017 7. XXXX  XXXX XX/XX/2017 8. XXXX XX/XX/2017 All were dropped off and some how appeared back on my credit report. drooped my score 28 pts
Product: Debt collection

Based on the document with the account number XXXX and dated XX/XX/2023, it appears that National Credit Systems Inc is attempting to collect a debt of {$4900.00} related to an apartment. However, under the provisions of state and federal consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), the recipient of this document has the right to request verification of the debt before any collection efforts can proceed. 

Therefore, the recipient is instructing National Credit Systems Inc to cease collection of the debt until efforts are made to obtain verification. The recipient further asserts that any reporting of this matter to credit reporting agencies is premature, and that negative information should be removed from their credit report until the investigative process is complete, or at the very least updated to reflect their dispute. 

It is important to note that the recipient has legal rights and protections under consumer protection laws, and any attempts to collect the debt must be conducted in accordance with these laws. Failure to do so may result in legal action against National Credit Systems Inc.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

AL XXXX XX/XX/20XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 AL XXXX XX/XX/2023 AL XXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XX/XX/2023 AL XXXX XX/XX/2023 AL XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Product: Mortgage

Back in XXXX 2016 I was contacted by a loan officer from The Money Source stating " I qualify for refinancing at a interest rate of 3.375 % from 3.875 % with no closing cost for being a good customer ". I was interested and ready to refinance. The process took months. I did not hear from the loan officer for weeks. I would call but no response. Finally I received paper work by email to refinance but it stated the interest rate was 3.875 %. I called the loan officer and told him the information was incorrect. Fast forward almost two weeks later from that interaction, I get the corrected paper work, oh and by the way it 's the end of XXXX. I signed all of the paper by email and sent them back. I waited no word from the loan officer for weeks. I called for updates, he said he will let me know. According to him, they were short staffed. During this whole time I was paying off other bills because I wanted to get a fresh start for the new year. So, I get a call from the loan officer stating that I needed {$3400.00} for closing and two bank statements to show that these funds have been in my a account. I told him that when the refinance was offered to me there was no closing cost he stated oh that 's just from a template. I was upset but I wanted the lower rate. I looked at my bank statements and see that the closing funds are not over the closing cost which he stated was required. I called and spoke with a manager because I felt the loan officer was n't providing good customer service and keeping me informed. He stated I had till end of XXXX to get another statement showing the funds in my account and everything would be ok. I received a call XXXX XXXX to inform me that I was denied for the refinancing. Loan officer stated all information needed to be turned in by XXXX XXXX. After waiting over three months and never being informed of these requirements in the first place makes me feel delude.
Product: Credit reporting or other personal consumer reports

Some accounts are on my credit report that are not mine and addresses that I never lived on my credit report. I have requested that the accounts be removed and blocked under XXXX. Block of information resulting from identity theft and they have Ignored my request therefore I am filing my complaint with the CFPB and seeking an attorney to sue them under XXXX. Civil liability for willful noncompliance and 1681o. Civil liability for negligent noncompliance. The accounts that are FRAUD are : 1. XXXX progress/TSYS/VT XXXX and Capital XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX funding XXXX and XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have never lived at XXXX XXXX XXXX XXXX XXXX IL XXXX This address must be removed I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX This address must be removed
Product: Mortgage

In process to buy this house I signed a contract with the builder and paid earnest money directly to him, one of the conditions included in the contract was that I had to go through his preferred lender to get the discounted price. I furnished his lender with all documents required, months later when it was time for closing the lender asked me if I had a cosigner, I provided my cousin XXXX XXXX name as a possible co signer. When both of us arrived at closing attorneys office we were told only XXXX is going to sign the closing documents, he started signing the paper an we were told by the closing attorney at the closing table that my name is in the Trailer Deed and I will be able to refinanced later to transfer the deed to my name. Not knowing what we know now we went through the closing. It was clearly fraud and deceptive lending practice. 
Throughout the financial crisis of XXXX I went through at least 8 lenders asking for loan modification in response what I got was several attempt to foreclose, as a result my cousin and I had to file several bankruptcy case to save our home, by the way most of those lenders have been shut down by the Federal Government for fraud and deceptive lending and CEO of the one those lender was prosecuted and served time in a federal prison. 
After long fight and two failed litigations we finally got a loan modification which raised our payment significantly, it was definitely a set up for failure, but I had no choice but to accept it to save the roof over our head. In XXXX my wife was diagnosed with XXXX XXXX after a major XXXX and XXXX she survived but lost her ability to work, this situation again created yet another financial crisis for me, not to mention current COVID 19 crisis added more trouble to my existing difficult situation.
Product: Money transfer, virtual currency, or money service

M & T Bank did three international wire transfer on XX/XX/year> without my knowledge or permission on a joint estate account that required two signatures on all transactions. I requested the bank to send me copies of cashed checks, signatures for the international wire transfers and the name of the person who approved of the international wire transfers that totaled {$120000.00} PLUS {$220.00} in wire fees. I was denied that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDOFED XXXX XXXX/DOFED XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. My information was also impacted by the XXXX data breach and they have got into the hands of the wrong person. I demand that this incorrect, inaccurate, and unverifiable information on my credit report be immediately removed, this is a violation to FCRA. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian, XXXX, and XXXX, regarding their handling of inaccurate information on my credit report. Despite disputing the inaccuracies, Experian, XXXX, and XXXX conducted an insufficient investigation that resulted in the verification of fraudulent accounts, thereby violating my rights under the Fair Credit Reporting Act ( FCRA ). 
I first became aware of the inaccuracies on my credit report when I noticed discrepancies in the information reported by Experian, XXXX, and XXXX. I promptly filed a dispute by certified mail with Experian on XX/XX/2024, tracking number # XXXX, XXXX XXXX # XXXX, and XXXX tracking # XXXX, providing detailed documentation highlighting the incorrect names, dates of opening and closure, as well as the presence of fraudulent accounts. 

Despite my efforts, Experian 's investigation into the disputed accounts came back as " verified, '' indicating that they failed to conduct a thorough examination of the inaccuracies. The verified presence of fraudulent accounts on my credit report not only tarnishes my creditworthiness but also exposes me to potential financial harm. 
I have enclosed copies of all three credit bureau reports, where I have clearly highlighted in red circles the incorrect information and fraudulent accounts that Experian failed to address adequately. The discrepancies present on my credit report are not only concerning but also indicative of Experian 's negligence in upholding their obligations under the FCRA. 
The inaccurate reporting of fraudulent accounts by Experian is not only damaging to my financial standing but also constitutes a violation of my rights as a consumer. Experian 's failure to conduct a thorough investigation and rectify the inaccuracies on my credit report is unacceptable and warrants immediate action. 
I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate measures to hold Experian accountable for their actions. I request that Experian be compelled to remove the inaccurate and fraudulent accounts from my credit report and take steps to prevent similar incidents from occurring in the future. 
Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue and ensure that my rights as a consumer are protected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor XXXX is reporting balances for accounts that were included in bankruptcy that was filed in XX/XX/XXXX & discharged on XX/XX/XXXX. ALL Accounts with XXXX should show included in bankruptcy, a XXXX  balance, and no negative pay history after the bankruptcy filing date, which was XX/XX/XXXX. Some of the accounts are reporting correctly with some bureaus and not others. To date, the items reporting incorrectly under each bureau are listed below. These are the ONLY accounts I am disputing - the rest are accurately reporting XXXX balance. 

Experian Report : 1. XXXX  account # XXXX, reporting {$34.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XX/XX/XXXX. 
2. XXXX  account # XXXX, reporting {$86000.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XX/XX/XXXX. 

XXXX  Report : 1. XXXX  account # XXXX, reporting {$34.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XX/XX/XXXX. 
2. XXXX  account # XXXX, reporting {$86000.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XX/XX/XXXX. 
3. XXXX  account # XXXX, Reporting {$82000.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XXXX XXXX. 

XXXX  Report : 1. XXXX  account # XXXX, reporting {$34.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XX/XX/XXXX. 

I have disputed this issue with XXXX  and all 3 bureaus multiple times and received mixed responses and partial resolutions. ALL of the XXXX accounts should be reflecting included in bankruptcy status, XXXX  balance, and stop reporting charge offs after XX/XX/XXXX. 

Alternatively, they should be deleted, as they all went into repayment in XXXX & XXXX ( see attached account detail docs ) & have never been brought current ( are now >7 years from original date of delinquency ). The creditor disputes that as they state the loans were in forbearance due to bankruptcy from XXXX, but that DOES NOT reset the original date of delinquency - that is illegally re-aging the account. 

I have kept records of all correspondence and I will report this with the attorney general if this is not resolved promptly after this complaint. 

I do not agree that I owe this debt, and nothing in this correspondence is an acknowledgement of owing any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report. I have reviewed my credit report and have found multiple entries that are inaccurate and not reflective of my credit history. Please see the following items that require your immediate attention : XXXX XXXX Account Number : XXXX I have no recollection of ever having an account with XXXX XXXX XXXX As such, I can not update any information on the account as I have no information on it. I request that you remove this account from my credit report immediately. 

XXXX Account Number : XXXX I have no recollection of ever having an account with XXXX As such, I can not update any information on the account as I have no information on it. I request that you remove this account from my credit report immediately. 

XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXXXXXX XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

XXXX  Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

XXXX XXXX Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXX XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

XXXX Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

XXXX Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

XXXX Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

XXXX Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

I would appreciate if you could investigate these items and take the necessary steps to remove them from my credit report as soon as possible. I trust that you will handle this matter promptly and professionally. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( block , inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Equifax is involved in committing Frand with a XXXX XXXX XXXX XXXX they Has been furnishing inaccurate and illegal Information on my consumer report this company has furnished inaccurate information to my credit reports this company is in Violation of section 623 ( a ) ( 4 ) ; 15 U.S.C 1681s 29 ( a ) ( 4 ) furnishing inaccurate and illegal information this account has been disputed 5x this account has not been properly investigated if this account is not removed from my credit reports for NEGLIGENCE within 30 days of this Notice I will be moving forward with counsel in a lawsuit against Equifax and for civil liability and Punitive Damages and this account has also reached its statute of limitation to still furnish this inaccurate illegal information. I will be attaching documents to support my claims. Please Be Advised that there is an active lawsuit in progress against XXXX XXXX XXXX. 

Called in to the customer service the Phone Reps was rude disrespectful hanging up in customers faces saying XXXX slurs argumentative with me made a commit sayin you Americans foreigners are handing Americans accounts and they are XXXX and are misusing there power to falsely use the American people accounts by furnishing false inaccurate information and credit scores to hurt and keep the American people suppressed. this is illegal and needs to be investigated the American people personal information is in the wrong hands.
Product: Money transfer, virtual currency, or money service

I have used Venmo successfully since XX/XX/XXXX. A friend sent me {$300.00} on XX/XX/XXXX, and when I tried to transfer it to my bank account, like I always do, Venmo said that my account is suspended. I emailed customer service, called them, attempted the 'chat ' feature from their website, and they said are " reviewing my account '' and will get back to me in 3 weeks, maybe longer. I really need that money, and they do not care. They are holding this money, and will not give it back to the sender, will not give it back to me. I did nothing wrong with Venmo, they just decided to take my money, with zero warning. There is nothing in any terms or agreement that says Venmo will unexpectedly hold any money that someone sends to you, and not let you have it for an unspecified amount of time. It seems like ALOT of other customers are having these problems with Venmo 'freezing ' their accounts and not giving the money back. This company should be shut down.
Product: Money transfer, virtual currency, or money service

Cash app! There was no agent available to speak with regarding me being scammed and how to get my money back! I just lost money and wasnt able to contact anyone or get my money back
Product: Credit card or prepaid card

On XXXX I sent a check to XXXX XXXX XXXX in the amount of {$3000.00} ( XXXX XXXX and no cts. ) to pay for the charges and to have some credit in my account for future charges since I was going in a long trip abroad. 
When I came back to the XXXX ( by the end of XXXX ) I get a statement that showed that the Company collected only {$30.00} instead of {$3000.00} and therefore my account started to be penalized with interest for being late on my payment. 
I called customer service of my credit card and explained that the Company made a mistake and those interest charges should be removed. They told me that they were going to open a dispute and that I should send a copy of the check to an address I was given. 
I went to XXXX where I have my checking account to request a copy of the check and I was told that the payment of that check was electronically, therefore the bank was not in possession of the physical check and that XXXX XXXX XXXX should have it. 
Fortunately, I kept a carbon copy of the check in my checkbook so I sent a letter with a picture of the carbon copy. In that letter I also offer to pay {$2900.00} they never collected provided all interest would be removed from my account. The Company never responded the dispute so they continue sending me statements with interest I do not owe. 
I do need someone at some federal agency to help solve this issue. 
Thank you so much for your help.
Product: Money transfer, virtual currency, or money service

XXXX XXXX, 2017 @ XXXX XXXX Upon creating an account with XXXX, I was prohibited from connecting to my online bank account. They are restricting access to my financial data with no grounds other than the specific service I am using. I see this as gross discriminatory action and expect this issue to be resolved in a timely fashion.