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

My XXXX XXXX account shows late. This account was never late I have sent countless letter to Equifax, XXXX, and XXXX about it and have not heard one thing back. This is extremely urgent and it is holding back my score. Please update account to paid never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent copy of my Federal Trade Commission # XXXX identity theft report to Transunion, XXXX, and XXXX  via mail explaining that I've recently have become a victim of identity theft and that several accounts including XXXX  XXXX, XXXX, Ar child support, XXXX XXXX XXXX XXXX, and XXXX XXXX were opened and or established without my knowledge or consent. Since my dispute today marks day 38 days total and I've yet to have heard or received any correspondence from Transunion, XXXX, or XXXX. I checked my credit report this morning and these same accounts still remain reporting on my credit report. I still have several addresses that are currently displaying that were requested to be removed during the same time my initial dispute was sent to Transunion, XXXX, and XXXX. Since it has bee over 30 days and I've yet to receive any nor accurate verification period, Per the Fair Credit Reporting Act ; Transunion, XXXX, and XXXX  must delete all of the fraudulent accounts from my credit file and send me an updated copy after the deletions have been made. I exercising my rights per section 605b, 609, and 611. I will include a copy of my report with this complaint.
Product: Checking or savings account

On Friday, XX/XX/XXXX, around XXXX XXXX, my wife, XXXX XXXX, and our sons, XXXX and XXXX XXXX, visited a Chase Bank branch to cash their XXXX XXXX XXXX XXXX  refund checks, totaling {$3900.00} and {$3800.00}, both issued by Chase Bank. After signing the checks in front of the teller and providing their Texas drivers licenses, they were informed that since the amounts exceeded {$2500.00}, the checks could not be cashed without an account. The teller asked if my wife had an account, to which she replied no, but I do. The teller then suggested that my sons could sign the checks over to me by having me sign beneath their signatures, allowing the checks to be deposited into my account. She mentioned a 24-hour hold on the funds. 

Following her instructions, my wife had me sign the checks, and they were deposited via ATM at XXXX XXXX. The receipt indicated that the funds would be available on XX/XX/year>. The next morning, I received an email from Chase stating that my account was restricted, prompting me to contact them. 

When I called, I was informed that a phone verification was necessary to confirm my sons ' identities. I provided their phone numbers, explaining that they are listed under my T-Mobile account, as they dont have separate bills. The verification failed since their names and addresses arent registered with Chase or XXXX. 

I requested to speak to a supervisor and was transferred to XXXX XXXX, who assured me that if I followed her instructions and brought my sons to the branch with their IDs, they would be able to unrestrict my account within 30 minutes. We visited the branch together, where we met with First Vice President and Private Client Banker, XXXX XXXX. He attempted to verify their identities via phone but faced the same automated verification issues. Despite having my sons present with valid identification, the bank representatives could not assist further and stated that my account could be closed if they couldn't resolve the matter. 

I have complied with every request from Chase Bank, yet I feel treated like a criminal, denied access to my funds, and now at risk of account closure. This entire experience has been incredibly distressing.
Product: Credit card

Gentlemen, I never requested a credit card from Bank of America. When I received it, I called the bank asking them from where they got my Social security #. They could not answer. I asked them to close the account. Today I received a letter from Bank of America with my information - all correct, but my home phone is wrong. I never had this number.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Subject : Demand for Correction of Credit Report Inaccuracies and Compensation per Violation Any per CFRA as a federally protected consumer. I am now opting out of any and all authorization. I, the consumer may have given you written & unwritten, verbal & non verbal per 15 U.S. Code 1602. 15 U.S.

Code 6802, 15 U.S. Code 6804 15 U.S. Code 6805. 16 CFR 313 16 CFR 433.2 I am writing to bring to your attention the inaccuracies present in my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, including 15 U.S.

Code 1602, 6802, 6804, 6805, 16 CFR 313, 433.2, and the Privacy Act of 1974.

Upon my review of the credit report, I have identified These errors impact my federally protected consumer rights, as outlined in the aforementioned legal codes. 

ONLY : 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 transunion XXXX XXXX, XXXX ) - Inquiries - personal name reported as inaccurate per - personal date of birth - current address - previous address ( non mailable ) - employer - payment status - late payment - opened - reported - remarks - condition - original balance - last payment - status - creditor information - condition - loan term I hereby demand the immediate correction of these inaccuracies in accordance with the FCRA. 
Additionally, I am invoking my right to request {$1000.00} compensation per violation, for each and every reporting date associated with the discrepancies identified. 
IMPORTANT : I DO NOT WANT THE OUTCOME OF THIS LETTER TO HURT MY SCORE. 
I expect a prompt and thorough investigation into this matter, and I anticipate that the necessary corrections will be made without delay. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX XXXX XXXX
Product: Mortgage

I purchased my home in XX/XX/2012. I have had nothing but hassles since that time. 
My husband is a XXXX XXXX and I applied for mortgage modification and nothing became of that except letters threatening foreclosure. They have often stated that they never received payments resulting in my having to cancel checks and late fees and more foreclosure letters. 
I have been sending my payments ( money orders ), certified/return receipt, directly to the HUD office. Then, I get another letter last week, another foreclosure letter stating that it was because of unpaid late fees. I can not control when the HUD office posts my payments. I should not have late fees. 
They have left notices on my door, taken pictures of my home and vehicles. I find this to be harassment. I would like to find another mortgage company, however, they have ruined my credit. I thought that these companies were supposed to help people stay in their homes, not threaten to take them away.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on XX/XX/XXXX that XXXX XXXX XXXX was reporting account XXXX on my XXXX report. Also, I checked XXXX and TransUnion and noticed XXXX XXXX is reporting to these two bureaus as well. I NEVER received any noticed prior to them placing this debt on my report for XXXX XXXX so I could have disputed this debt, which is a violation of my FCRA rights. The collection agency has re-aged this account to a date of XX/XX/XXXX. However, according to the original creditors date of first delinquency this is INACCURATE.  I'm requesting that all three credit bureaus delete this account immediately. I have tried to have this rectified through disputing but XXXX and the CRA 's fraudulent verify this information is accurate. 

In addition, XXXX XXXX is reporting an INCORRECT balance that is different from the charge off amount of the Original Creditor. 
This have caused harm to my reputation and prevented me from obtaining a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that is UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}
Product: Money transfer, virtual currency, or money service

{$620.00} was sent to me via Cash App. The cash balance shows its available but when I attempt to make a payment against the balance, the app says the funds are not available. This has been an issue since XXXX. I have alerted the Cash App support several times over the past 30-days, at which I keep on getting the same response that it has been escalated to a specialist team and that I should hear from them via email asap. I have contacted them a half dozen times and each time its the same response. Only 1x did someone tell me it was a civil process issue, which they couldn't explain to me what that even meant.
Product: Debt collection

Trying to collect debt that i do not owe we have no written agreement or no contract no type of documents that state i owe this company any debt and they are in violation of the FCRA
Product: Credit reporting or other personal consumer reports

i have recently discovered that someone has been using my personal information to obtain services and goods. i am a victim of identity theft. i am willing to work with law enforcement to capture the people responsible for these awful actions.
Product: Debt collection

Date opened : XX/XX/XXXX Last date reported : XX/XX/XXXX Balance : {$720.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I lost {$1900.00} in an advance payment scam. Multiple callers working in tandem, posing as a police detective and ICE agent, convinced me that I was under investigation for illegal activity involving a passport linked to my birth country. In this way, I was tricked into sending money through Zelle to someone who I was led to believe was an attorney handling the case. I was told that the money was an insurance deposit against my trying to run away from the investigation. 

When I realized I had been scammed, I immediately contacted my bank, XXXX XXXX. They told me that there was nothing I could do to retrieve the funds through XXXX, but that I could file an IC3 complaint, which I did. After calling XXXX again today ( XX/XX/XXXX ) and getting someone else on the line, I was able to file a dispute on the transactions. 

The phone number to which I was tricked into sending the money was XXXX, and the name that appeared on the Zelle account of this number was XXXX XXXX. The first XXXX representative I spoke with told me that this account was apparently linked to a XXXX XXXX XXXX. I found XXXX XXXX XXXX XXXX Loss Control Department phone number ( XXXX ), but I can not get anyone on the line and have received no responses to my voice messages left over the last two days. 

Today, I also filed a report over the phone through Zelle 's customer service line. I haven't been given a copy of my reports with XXXX or Zelle, and I do not know how long it will take to receive a response. 

I've attached screenshots of the Zelle payments to XXXX XXXX and the phone numbers of the imposter ICE agent and police ( XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost everything in the real estate fiasco. Back in XX/XX/XXXX i had amazing credit but as a single mother had to move to support my kids. 1 ) They were still reporting that i was the owner of my house in XXXX   ... XXXX XXXX, XXXX, XXXX. It was sold in XX/XX/XXXX or XX/XX/XXXX. When i bought in XXXX state, i was sold a lemon of a house. My children and i lived without basic necessities ... no plumbing-no way to bathe with XXXX kids, youngest only in XXXX grade. We experienced power surges that blew out my oven and washer and dryer. I was paying close to 2000 a month in mortgage and amassed 8 years of documentation. The real estate agency and agent knew of the situation. I complained and then sought mortgage help. They expected me to continue to pay the same. I took it to court and submitted all the paperwork to no avail. The attorney did not submit my paperwork so i was told to sit down when i rose to object to my treatment. I have tried to go to XXXX State Attorney General, all the FED agencies. I lost my house in XX/XX/XXXX, penniless. I moved to Public housing in XXXX. I was diagnosed with XXXX in XX/XX/XXXX. I have a XXXX degree and am considered an expert in my field. The time i tried ALONE with no support to rectify the issues left me physically ill. I have way too much information to share here. The former owner never was held accountable for their illegal activity, nor was the agent or agency who were well aware of how my family wad forced to live. Please contact me if you take me seriously at all. I am not putting out any more energy to repair credit that was destroyed by the establishment and their unwillingness to stand up for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX XXXX XXXXt deleted my XXXX acct and I am still paying on the acct with account number XXXX. XXXX XXXX with XXXX XXXX and she stated the one account is deleted and paid off. the second acct is with XXXX  and ends with XXXX XXXX and I already made payments for it. But the other XXXX XXXX needs to come off the credit reports all three. 
15 U.S.C 1681 Section 602A states I have the right to privacy, 15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction. I paid off these account even though they are still listed and has a charge off on the four of them, I need all four account deleted immediately. Thanks XXXX XXXX
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 on 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, please remove/block any items listed on my credit 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 XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX Balance Owed : {$150.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} US DEPT ED XXXX XXXX XXXX : {$3800.00} US DEPT ED XXXX Balance Owed : {$6300.00} US DEPT ED XXXX Balance Owed : {$3300.00} US DEPT ED XXXX Balance Owed : {$3400.00} US DEPT ED XXXX Balance Owed : {$1900.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : XXXX XXXX XXXX Owed : {$1200.00} XXXX  XXXX Balance Owed : {$4200.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife XXXX XXXX has been dealing with BofA for years with them reporting this loan on her reports illegally. She finally got them to delete the items from her credit for the 3rd and what better be final time. Now they are on my report and they aren't even mine. We filed BK and she included these as a creditor to be discharged. SEE ATTACHED DOCS.
Product: Vehicle loan or lease

My truck was taken sometime during the night of XX/XX/XXXX-XX/XX/XXXX, it was dragged down my driveway leaving marks, hopefully the truck is not damaged, I attempted to make payment on the loan on XX/XX/XXXX but was unable to do that because the system was not allowing me to. I contacted XXXX XXXX via email to notify him I would call him on Monday XX/XX/XXXX to make a payment he responded asking if I would call him XX/XX/XXXX I told him I was unable to as I was working XXXX-XXXX  that day, I take full responsibility for the payment being behind but I have made late payments many times in the past and only once in XX/XX/XXXX did I receive a notice to cure the default which I did. I spoke to GM employee # XXXX on XX/XX/XXXX from the recovery department that stated GM sent me a notice to cure in XXXX. I am very good at checking my mail and would never have ignored such a notice, I never received XXXX. I was told you have until XX/XX/XXXX to recover the vehicle, as the gal was so nice as to put a ten day hold on the vehicle, dont they have to give you a chance to get the vehicle back anyway? I take full responsibility for the past due amount of XXXX which I can pay. 
Then another XXXX for the repo and storage fee. I cant pay that, I questioned them why they would cause such a hardship on someone who is already struggling to make payments when I had an agreement with XXXX XXXX to make payment on XX/XX/XXXX I was told that GM doesnt accept email as a form of communication. Well then why was XXXX XXXX responding to me via email. I need my vehicle back for transportation to work, I work two jobs but have only been able to get a ride to one so Im losing income and that XXXX is my XXXX payment which I would not be able to pay if I have to pay the fees which should never have happened. As well today is day two since they took the vehicle and I do not have a statement from them explaining the whole process nor one with a right to cure the default before this happened.
Product: Debt collection

I have sent NCA two letters, one on XX/XX/2020, and the last letter on XX/XX/2020. The verification is needed for the debt totaling {$1400.00}. The company has failed to respond to verify.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, hereby assert my rights as an individual and consumer, as recognized by the FDCPA and FCRA. My personal privacy, safeguarded by Title 15 U.S.C 1681 ( a ) ( 4 ), has been consistently breached. It's essential to highlight that I have never granted written authorization, as stipulated in Title 15 U.S.C 1681 b ( 2 ), for these transactions to be publicly disclosed. 
Furthermore, my credit card ( XXXX XXXX  XXXX ), defined in Title 15 U.S.C 1602, has been utilized without my explicit written consent. As outlined in Title 15 U.S.C 1681s, the duty to implement administrative measures falls upon your organization. I wish to bring to your attention the responsibility of the involved entities XXXX, XXXX, and Experian, as indicated in Title 15 1681 2 ( b ) for their lack of due diligence in maintaining accurate data. The presence of erroneous information on my consumer report, with a data breach has led me to file an identity theft report. 
I emphasize that, pursuant to 15 U.S.C 1681 c-2 ( e ), these inaccurate accounts must be removed within 4 days of filing the identity theft report, not the usual 30 days. It's important to note that the unauthorized utilization of my credit card, in violation of Title 15 U.S.C 1602, does not confer any benefit upon me, the consumer, in accordance with Title 15 U.S.C 1681s.

I extend my gratitude for your assistance in upholding Federal Law during this recent revelation. This letter serves as an urgent request for the prompt elimination of the subsequent accounts from my credit report : XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXXXXXX 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 XXXXXXXX
Product: Credit reporting

There are XXXX collection accounts in my Transunion credit file that are older than 7 years and should be removed. In XXXX cases the collection agencies move the open dates of the original debt in order to keep the debts within the 7 year window. This is a common practice with large debt collection companies like XXXX XXXX and XXXX, XXXX and they should be investigated for using these tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Equifax Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card - XXXX XXXX XXXX Individual Individual Individual Account Status : Paid Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$610.00} {$610.00} {$300.00} Credit Limit : {$300.00} {$300.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Late 120 Days Late 120 Days Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account delinquent when it was discharged in CHP XXXX.