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

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX ' XXXX XXXX XXXX ' I XXXX XXXX ' XXXX XXXX ' XXXX XXXX XXXX XXXX XXXX CA XXXX ' XXXX XXXX XXXX CT XXXX CA XXXX XXXX ' XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ' XXXX XXXX AV XXXX XXXX, CA XXXX ' XXXX po XXXX XXXX XXXX, CA XXXX ' XXXX XXXX  XXXX XXXX CA XXXX ' XXXX XXXX., XXXX XXXX XX/XX/XXXX ' XXXX XXXX XXXX ' XXXX XXXX XXXX XX/XX/XXXX ' XXXX XXXX XX/XX/XXXX ' XXXX XXXX XX/XX/XXXX ' XXXX XXXX XXXX XX/XX/XXXX ' XXXX XX/XX/XXXX ' XXXX XX/XX/XXXX ' XXXX XXXX XXXX XX/XX/XXXX ' XXXX XXXX  XX/XX/XXXX ' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX ' XXXX XXXX Inquired on XX/XX/XXXX ' XXXX Inquired on XX/XX/XXXX ' XXXX XXXX XXXX Inquired on XX/XX/XXXX ' XXXX XXXX Inquired on XX/XX/XXXX ' XXXX XXXX Inquired on XX/XX/XXXX ' XXXX XXXX XXXX .... Balance : {$0.00} ' XXXX XXXXXXXX XXXX XXXX XXXX .... Balance : {$0.00} ' XXXX XXXX  XXXX .... Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX .... Balance : {$740.00} XXXX XXXX XXXX XXXX .... Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ' US BKPT CT CA XXXX XXXX Date filed XX/XX/XXXX ' XXXX  XXXX bankruptcy XXXX Filed on XX/XX/XXXX XXXX number : XXXX XXXX : U.S. Bankruptcy Court
Product: Money transfer, virtual currency, or money service

i was XXXX XXXX XXXX through XXXX. the company was supposed to put a XXXX minute hold in funds to confirm my bank account was valid. some company named XXXX XXXX took 2 transactions out of my cashapp account for the amount of {$280.00} and {$190.00} and never returned it. i put in a dispute both through cashapp and my bank vystar and everyone is denying my disputes when this is obviously a scam. i even have screenshots of the poshmark customer service message that said they would return the funds within 30 days if not right away. and of where the same merchant attempted to take more and more money out of my cashapp account all night and was denied because i took all the money out of my account after they did not return the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a lease from XXXX XXXX XXXX and my monthly payments were {$250.00}. I made automatic monthly payments of {$270.00} every month on the XXXX of each month. On XX/XX/XXXX, the last month of the lease, I called and had the lease extended into a month to month agreement. During the call I was required to make another payment in the amount of {$250.00}. After making the payment, two days later I received an email saying I was late on the payments. I called XXXX XXXX, they corrected the amount and said they would clear up any credit report issues. Following that, on XX/XX/XXXX I received a monthly statement saying I was past due {$1700.00} even though I had never missed a payment. Again I called and they corrected it in their system. My statement in XXXX showed a normal balance due of {$250.00} for XX/XX/XXXX. I then sold the vehicle before that date. 

All of this occurred in XXXX. Up until this, I had good credit reporting of the lease payments. After this incident, XXXX  changed my credit reporting for months in XXXX to showing I was late on payments even though I have statements showing {$0.00} due every month of XXXX.
Product: Credit card or prepaid card

I had two deferred interest plans on my Zales ( Comenity ) account. I paid extra every single month to make sure they were paid off in time. Comenity did not credit my payments correctly, so that they could tack on the accrued interest. I'm attaching a detailed description of exactly what they did. Now, the account has been sold off a few times and I'm taking a hit on my credit because of all of this.
Product: Credit card or prepaid card

Sometime mid XX/XX/XXXX, my email was hacked which exposed my Chase credit card & XXXX XXXX XXXX accounts. There have been unauthorized transactions in both. 
I reported it to a Chase Bank Customer representative in XXXX CA ( Mr. XXXX XXXX ). 
Two of the transactions on XX/XX/XXXX were refunded. 

A letter dated XX/XX/XXXX indicated the two transactions on XX/XX/XXXX  were deemed I was responsible of. The mercahnt name for both transactions was XXXX. One was for {$2700.00} & the other {$2300.00}. The reason given by Chase for saying that I was responsible was " You received credit from this transaction '.
Product: Debt collection

I received a letter from this Alleged Servicer SN Servicing Corporation in XX/XX/2020 demanding payment for the Amount of {$12000.00}. 
I'm disputing the total amount claiming in its letter Plus the Standing to be a Debt Collector Please see my Dispute Letter and including 4 Attachments in regards.

I would like ask urgently to the CFPB this issue be look by US Regulator because I believe I been victim of MORTGAGE SERVICE FRAUD. 
Please look for reference CFPB inquire # XXXX against the alleged Trustee XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Most importantly I have requested a reinvestigation of these account below. Transunion has stated that everything was complete and accurate. Can you tell me how is that possible when open date, last activity are much more is incorrect. Delete the accounts below because this is causing stress and agony on me. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isnt reporting correctly. 

Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name Credit Collection ( Original Creditor-The General In Company ) Account number : XXXX Account name : XXXX XXXX Account number XXXX Account name XXXX XXXX XXXXXXXX Account number : XXXX Account name : Consumer Adjustment Account number : XXXX 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 consumer reporting agency can not furnish a account without my written consent.

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relation to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

Mostly importantly they are not in compliance with metro credit reporting. I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX Incorrect Name - XXXX XXXX Incorrect Name - XXXX XXXX XXXX
Product: Mortgage

Please see Court filed Complaint attached, after XXXX XXXX of Mr. Cooper falsely claimed there was no error in inaccurate payment allocation.
Product: Credit reporting or other personal consumer reports

I believe it was around XX/XX/year> or XX/XX/year> even I logged in to my XXXX XXXX. It showed I had outstanding odds on a XXXX  XXXX card and that I could apply for it, without it affecting my credit. So after letting my partner know that it wouldn't affecting my credit, I tried it. The following day I log in to my XXXX XXXX and it shows I had a HARD inquiry and my credit dropped XXXX points. I feel mislead. The only reason I tried it was because it said it wouldn't affect me. So I feel scammed. I contacted XXXX XXXX and the representative said I could dispute it as a fraud because I didn't authorize it.
Product: Mortgage

My home is located in XXXX XXXX FL and it is an HOA. I have always had flood insurance and home insurance on my home. The flood insurance isthrough my HOA ( XXXX XXXX ). In XXXX of XXXX, Valon Mortgage purchased the loan servicing of my mortgage from XXXX XXXX. XXXX XXXX went out of business. Before New Rez went out of business and got purchased by Valon, I sent in certificate of flood and homeowner insurance coverage to prove that I have always had flood insurance on my home for the 6 years I have lived here. XXXX XXXX never responded or provided a refund. 

In XX/XX/XXXX, Valon became my new mortgage servicer. In XX/XX/XXXX, a Valon escrow department service rep gave me an email and suggested I send my proof of insurance to XXXX. I emailed everything in as directed and explained that XXXX XXXX owed me an escrow check and since Valon acquired XXXX XXXX, this was now their responsibility. In XX/XX/XXXX, I called Valon again and customer service representiative said said I need to email my proof to XXXX. I followed back up on XX/XX/XXXX & XX/XX/XXXX and got no response. It was a XXXX box email that never had a response. 

On XX/XX/XXXX, I called Valon mortgage again and spoke with XXXX in the XXXX Department. I was very frustrated and ready to call an attorney because Valon owed me thousands of dollars. She asked me to send my proof of insurance to XXXX and explained to me that Valon had the responsibility to refund my escrow and that it would be a lengthy process but I would eventually get my money back. 

It is now XX/XX/XXXX and I still have no refund. Although their customer service team has been doing what they can to help me, Valon and XXXX XXXX have had over {$10000.00} of my money over a year. This is egregious and illegal I desperately need assistance and I also live in an area that has been affected by XXXX hurricanes and am a disaster and desperately need my money back. If I dont get any assistance, I am prepared to call the your agency and begin a litigation process.
Product: Mortgage

I initially contacted XXXX XXXX ( XXXX ) on XX/XX/XXXX about securing lending for a new home purchase. This was on recommendation from my real estate agent XXXX XXXX ( Sears ). XXXX had contacted XXXX and explained what the builder 's lender XXXX XXXX  was offering and asked XXXX if they could meet or beat the deal. XXXX assured both XXXX and I that the interest rate and credits would be matched and that I had no worries going forward. XXXX then contacted me by phone and said that in order to make the deal work for her upper management that she needed a " good faith '' deposit to lock in the deal. She assured me that the money would be applied to the loan at closing and that if Caliber could not fulfill their promises with regards to the credit and rates then the money would be refunded. I asked her several times about this through the loan process both in person and over the phone. She was even bold enough to state " don't worry about what any of the disclosures state, what I tell you is what matters ''. Therefore, I did everything she said and signed everything she told me to. I paid my " good faith '' deposit of {$1900.00} on XX/XX/XXXX. On XX/XX/XXXX I was contacted by XXXX because we were within 30 days of closing. This was the first time she told me that she was not going to be able to match the rate she promised. After a week and a half of emails going back in forth XXXX finally admitted that she was not going to follow through with her promises and could not match the rates or credits from XXXX. She even made me re qualify through XXXX hoping that I would not meet their requirements ( but I did ). After realizing she wasn't going to be able to scam her way through the end of the loan, she told me that she was too " emotional to help me ''. She then referred me to her boss XXXX XXXX ( XXXX ). XXXX did his best to try and repair the broken deal but still could not meet the rates offered by XXXX. XXXX also refused to document our phone conversations and only would discuss rates, or deposits over the phone. I realized why he did this when I asked to end my relationship with XXXX and have my " good faith '' deposit returned. It was at this point that XXXX told me the deposit was nonrefundable and they would not return the money. When I asked XXXX why he told me that the money was a " lock rate fee '' and therefore nonrefundable. When I explained that this was not the agreement I had with XXXX when the money was paid, he told me I should have gotten everything in writing. XXXX misrepresented herself and Caliber in order to benefit both financially and with her career. That in itself is the true definition of fraud. I am not seeking any financial gain from XXXX or Caliber. I just simply want the {$1900.00} I paid in good faith to be returned to me as it should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

IT HAS NOW BEEN MORE THAN 45 DAYS WITHOUT A RESPONSE FROM THE BUREAUS ON THE INCORRECT ITEMS ON MY CREDIT REPORTS AND I AM REQUESTING THAT THE FRAUDULENT ITEMS BE REMOVED FROM MY REPORTS AS SOON AS POSSIBLE.
Product: Credit reporting or other personal consumer reports

The details of the fraudulent Inquiries are as follows 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

In XXXX of 2020, I filed a dispute with these 3 bureau dispute department about the unverified accounts : XXXX XXXX account # XXXX. In those 3 Months I have asked numerous times for a response and I have not received anything in response from thses bureau in over 45 days because this account is still in dispute. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act - Equifax has violated my rights in regards to the following items they are reporting on my credit report.

1. XXXX XXXX XXXX XXXX  Account # : XXXX These are the laws passed by the US Congress that Equifax is in violation of : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
" MY PRIVACY HAS CLEARLY BEEN VIOLATED BY REPORTING REPORTING AND FURNISHING MY PRIVATE INFORMATION. THIS IS A CLEAR VIOLATION OF 15 U.S.C 1681 section 602 A.

15 U.S.C 1681 section 604 A Section 2. It states a consumer reporting agency can not furnish an account without written instructions from a consumer. 
" I DID NOT GIVE XXXX WRITTEN INSTRUCTIONS TO FURNISH ANY INFORMATION ABOUT ME '' THIS IS A CLEAR VIOLATION OF THE LAW 15 U.S.C 1681 Section 604a Section 2.

15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing
any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

NO ADVERSE INFORMATION OTHER THAN A CRIME CAN BE REPORTED BY XXXX. THIS IS A VIOLATION OF THE LAW 15 U.S.C 1681c. ( A )
Product: Credit reporting or other personal consumer reports

This complaint is related to a prior complaint of XXXX reporting and investigation of this issue. XXXX reply was inaccurate, unsupportive and lacked evidence to respond back in the prior complaint # XXXX made on XX/XX/XXXX and XXXX replied back on XX/XX/XXXX in capital letters, Bureaus XXXX VERIFIED THAT THIS ITEM BELONGS TO YOU was completely false, misleading and unsubstantiated response! Ive already sent certified and delivery confirmation letters with delivery proof to this entity, the Bureaus collection company to send verification information as well as cease and desists all affiliated agents to stop contacting me as well. This was on XX/XX/XXXX and received by this alleged entity, The Bureaus on XX/XX/XXXX and XXXX XXXX with no response other than copies of a billing statements. AGAIN TO XXXX REPORTING, DO YOUR JOB!! This item must be returned immediately and it is not verified as you have stated. False, misleading information on your part has been provided to this government agency, the department of consumer affairs as to this complaint. I have already filed proof of this alleged entity is not mine and for XXXX to accept just copies of someones billing statements that show NO PROOF of this being mine is outrageous and unethical conduct by XXXX reporting agency. I will file a formal complaint against XXXX for false and misleading investigation practices to the the Federal Trade Commission and my State Attorney Generals Office for further action against XXXX reporting.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent formal dispute letters to [ Credit Bureau ( s ) ] ( Experian, XXXX, XXXX ) to address inaccuracies on my credit report. As per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ), the credit bureaus are legally required to conduct a reasonable investigation and respond to disputes within 30 days. If additional information is provided, they are given 45 days to complete their investigation and respond to the consumer.

As of XXXX XXXX XXXX, it has been more than 45 days since the date of my original disputes, and I have yet to receive any response from Credit Bureaus. This is a direct violation of the FCRA, which mandates that the credit reporting agencies must provide the results of their investigation within the required time period. 

The failure of the Credit Bureaus to respond within the legal timeframe has significantly impacted my financial situation, as the inaccuracies on my credit report have remained unresolved. These inaccuracies may be affecting my credit score, access to financial services, and overall financial well-being.
Product: Consumer Loan

Leased car through Toyota financial services. At end of lease, bought the vehicle. During the time between end of lease and processing of purchase, the account kept posting new payments. TFS told me twice on phone that I did n't need to make those payments. Now that account shows as 30-60 days past due on my credit report. TFS never answer phone ; automated system says account associated with my information is closed and for unforeseen reasons, no customer support person is available to answer my call. Need the negative information removed from credit report as I never delayed a payment except when TFS told me to not make one. Disputing with credit reporting agencies has yielded nothing either.
Product: Payday loan, title loan, personal loan, or advance loan

My name, social security number, and other information has been used to open and secure several loans and to open accounts over the last XXXX  years affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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

I assert, under the penalty of perjury, as per United States laws, that the provided information is accurate to the best of my knowledge. I affirm my compliance with both FEDERAL and STATE LAW in initiating this dispute. I am aware that any deliberate misstatements or omissions of crucial facts can result in FEDERAL CRIMINAL VIOLATION, as outlined in 18 U.S.C. 1001, and perjury charges under 18 U.S.C. 1621. The XXXX XXXX, XXXX XXXX, and XXXX XXXXXXXX XXXX, entries on my credit reports are unrelated to any transactions I engaged in. I am reporting unauthorized use of my personal information, leading to the creation of accounts, which is currently under investigation by the FTC.
Product: Credit reporting or other personal consumer reports

XX/XX/ Hello, I am writing this letter to contest the so-called resolution to my XXXX dispute report number XXXX. Per the following screenshots from my XXXX credit report ( see attachments ), you claim that I have XXXX EdFinancial Services federal student loan balances with a combined outstanding balance of {$35000.00}. However, I have already provided documentation ( including the EdFinancial XXXX Account Verification Letter used to validate my mortgage loan lending eligibility ) which clearly indicates that my total outstanding federal student loan balance at this time is ~ {$19000.00} across two individual loan balances. Therefore, I require the third ( duplicative ) loan balance to be immediately remediated. In addition, my XXXX open student loan balances are missing the XXXX XXXX monthly balance so the balances are currently overstated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income. rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and the all need to be deleted from my credit report. I have reached out to the FTC and my local police. Im doing this on my own behalf. XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX. 
XXXX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has not provided me with the source of who furnished them with the information on the judgment they are reporting. I am not aware of this or who gave them the right to report this information. They referred me to the courthouse who they are saying verified and provided the info. I contacted the court house and they sent me a letter verifying that their department does not provide or verify any information to any bureau or third-party reporting agency. Transunion has not properly provided me the source of their information on the public record they have placed on my credit report. According to FRCA 15 U S C 1681 ( g ) they have to send me proper documentation ( file info, verification methods and response ) of what they have associated with any acct ( not just verified ) and section ( i ) states it must be deleted if not properly verified. I also found section 611 ( a ) ( 5 ) ( A ) ( i ) states they can not report inaccurate, unverifiable, untimely info. If the courthouse didn't provide this information to Transunion to report in the first place nor did they verify it. I would like the bankruptcy judgment removed immediately.