23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to complain to FACTUAL DATA about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX, and my social security number is XXXX. The FTC report number related with this complaint is XXXX .I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Mortgage

I recently moved from XXXX  to XXXX for work and listed my house for sale. I owe about $ 250K to Chase. It seems the house is worth less and I applied for assistance in XX/XX/XXXX. In the interim we received a qualified offer at $ XXXX. After much aggravation, Chase declined this short sale because my loan is not delinquent. I am no longer able to pay the mortgage and my new rent, and Chase seems more willing to drive me into foreclosure than accept this offer.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$6700.00}
Product: Student loan

Navient Continues to remove me from the income based repayment plan without notice. They change my monthly payments without email or written consent.
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 violates the Consumer Financial Protection Act ( CPFA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving accounts 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 this violations.
Product: Checking or savings account

I use the XXXX XXXX business debit card to conduct my transaction on the XXXX platform as a XXXX XXXX. I rented a car and the bank withheld the amounts towards the rental. When rental contract ended and the rental company charged the account, the bank did not release the money making me responsible for paying the rental while bank still held on to the money. I called the bank multiple times for them to release my money but they have not and I deal with these condescending and unprofessional customer service agents. Two transactions {$380.00} and {$190.00}. It has been more than 3 weeks
Product: Credit card or prepaid card

My CapitalOne XXXX credit card was charged {$180.00} by a XXXX XXXX XXXX, XXXX on XX/XX/2022 for a full insurance protection. I willingly paid/signed for this amount but the verbal agreement was for {$93.00}. Indeed, the only full insurance product advertised and sold by XXXX XXXX XXXX  is for {$93.00}. I have tried to correct this error with both XXXX XXXX XXXX and CapitalOne. XXXX XXXX XXXX did not reply to my requests and CapitalOne is saying that since I signed there is nothing that they can do. Thus, CapitalOne is refusing to consider that there is error in the billing and that I did not receive the full service promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ( # XXXX ) {$26000.00}, ( XXXX ) {$11000.00} XXXX XXXX  ( # XXXX ) {$560.00}, XXXX XXXX XXXX  ( # XXXX ), ( # XXXX ), XXXX XXXX XXXX  ( # XXXX ) {$750.00}, XXXX XXXX ( # XXXX ) {$23000.00} Child Support ( # XXXX ) {$10000.00} XXXX XXXX XXXX XXXXXXXX ( # XXXX ) {$1400.00}, XXXX XXXX ( # XXXX ) $ {$430.00}, XXXXXXXX XXXX XXXXXXXX ( # XXXX ) {$560.00}, XXXX XXXX XXXX XXXX ( # XXXX ) {$1200.00}. 
In accordance with the Fair Credit Reporting Act these above companies have violated my rights 15 USC 1681 section 602 ( A ) states that i have the right to privacy. 15 USC 1681 604 ( A ) section 2 also states that a consumet can not furnish my account information without my written instructions.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureau requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Remitly has never completed a transfer to XXXX. They claim that their partner, XXXX XXXX needs to provide a clearance. I obtained all required clearances from XXXX XXXX and they say that there is no issues on their side ( have emails to prove it ). Banks in XXXX tell me that they do not work with Remitly or XXXX XXXX. However, Remitly promises on their site that they can transfer to any Bank in XXXX in 3 days. The last issue I had was on the XXXX of XXXX when I sent three transfers totaling XXXX US. They never arrived. I had to cancel the transfers after a weeks of being in pending status. They took 10 days to put the money back into my account. Then they asked me to try again. On XX/XX/XXXX I tried again. We had the same back and forth with Remitly claiming that the hold-up was with XXXX XXXX in XXXX. XXXX XXXX tell me that all is ok for the funds to be transferred. the money has been with Remitly since XX/XX/XXXX. The transfers were cancelled again and I was notified that the money will be in my account in 10 days. 

Remitly know that they can't complete the transfer and they keep inviting people to place transfer with them. Once you are stuck with them, they keep the remittance funds and only return them 15 days later. 

Their scam is to get people 's money and claim that their partner has issues to delay the funds with them and use the while they distract the user with excuses, they use the money and then return it without interest two or three weeks later, depends on how long the manage to keep users waiting before they cancel their transfers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I'm submitting this complaint myself and there is no third part involved. 

Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

Also, pursuant 15 USC 1681b ( 4 ) ( c ) ( 2 ) I demand the removal all inquires being reported.

Notice Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 

XXXX XXXX  XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I called Chase to report that my accounts were compromised due to a scammer, and that I wanted all withdrawals halted/account frozen. The scammer transferred {$450.00} to himself. Thats all I had in the account. The agent said they could not do that, and that I had to wait until the funds posted to file a fraudulent transaction claim. On XXXX Chase gave me a provisional credit for the funds. On XX/XX/XXXX they withdrew the money and denied my claim saying I didnt call promptly and I could not substantiate my claim. Chase claim to protect its client by providing zero liability in cases of fraud, but does not back up its claims.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute an unauthorized account listed on my credit report. This account, XXXX XXXX ( Account XXXX : XXXX ), appears without my consent, and I believe that my personal information has been improperly disclosed to a third party. This unauthorized disclosure of my information is a violation of my rights under the Gramm-Leach-Bliley Act, specifically 15 U.S.C. 6801 and 15 U.S.C. 6802, which require financial institutions to protect customers personal information and restrict unauthorized disclosures to third parties.

Given that I did not consent to this accounts inclusion on my credit report, I am formally requesting its immediate removal. Please be advised that if my request is not fulfilled within 30 to 45 days, I intend to pursue litigation to seek damages of up to {$1000.00} for each instance of unauthorized disclosure, as permitted by federal law. 

Thank you for your immediate attention to this serious issue.
Product: Debt collection

Received a letter from XXXX XXXX XXXX Attorney at Law XX/XX/XXXX demanding payment for debt within 10 days for debt that was already paid in full to Client XXXX XXXX. 

Responded by certified Mail XX/XX/XXXX Via United state postal service. certified mail XXXX XXXX XXXX XXXX XXXX Disputing the debt and requesting documents for all work, work orders, contracts, payments to be sent to me and validation of payments. I sent this within the 10 day and disputed owing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX any remaining balance. I requested the work orders, payments, change orders or any correspondence to be sent to me. I asked for documentation that debt was owed since i had already paid in full. I Wrote them in the collection dispute letter for written verification. 

On XX/XX/XXXX XXXX XXXX XXXX Attorney at Law filed a false Lien on my property, There is no money owed, they have failed to provide documentation for all payments made, all contracts signed and documents requested. By Continuing to attempt to collect on this debt and filing false lien without providing the documentation Violated the Fair debt Collection Practices Act. We still have not received this documentation. Also the statement of Account verification was made up and not signed by contractor or business but in fact signed and executed by attorney and does not reflect a accurate account of debt because we have paid this to XXXX XXXX and XXXXXXXX XXXX XXXX 

On XX/XX/XXXX I send a 2nd request and demand for documentation of all Signed contracts, work orders, payments, Agreements and ledgers showing any work provided by company from XXXX to XXXX current. We sent this certified mail via United States Postal Service again Certified mail XXXX on XX/XX/XXXX I received a phone call from XXXX that threaten me and telling me he was going to mess my credit up and made some very nasty comments. He claims i owed debt i do not owe and that he was reporting to my credit today and refused to give me his name or company name so i could also file a credit dispute letter. He kept telling me how he was going to harm my credit and ended up hanging up on me i told him i disputed this and needed verification. i called back and they didn't didn't want to give me name or address to file a credit dispute and request but after XXXX  believe they are with XXXX. 

XX/XX/XXXX also sending Debt collection dispute letter Via email and certified mail
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX PO # XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX, DE XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Inquiry XXXX, XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 
This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of FCRA.
Product: Credit reporting or other personal consumer reports

I sent a letter out on XX/XX/2023 to Experian, XXXX, and XXXX. However its been more then 30 days and the credit bureaus failed to send my investigation back. This is not making any sense! 

According to the law 15 U.S. code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information 's contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumers notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not late with XXXX. XXXX XXXX XXXX, XXXX, XXXX, XXXXXX/XX/2020. 2. I was not late with XXXX XXXX  XXXX, XX/XX/2020. 
3. I was not late with Chase Bank XXXX, XX/XX/2020. 
4. I was not late with XXXX XXXX XXXX XXXX, XX/XX/2020. 
I send all three credit bureaus dispute via certified mail. All three came back as verified. I send copy ' s of my bank 's statement from XXXX to XX/XX/2020 showing bill 's paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under Maryland state laws statute of limitations, as well as numerous disputes with each credit bureau ( Transunion, XXXX, and ESPECIALLY XXXX  ), each bureau was notified of my being in the security breach in which is involved in a class action law suit. There are NUMEROUS accounts in collections that are not mine. There are also NUMEROUS accounts in which I am an authorized user, wherefore requested by each credit issuer and notification to the bureaus to be removed from these accounts - specifically but not limited to XXXX, XXXX XXXX, and XXXX. XXXX, in particular, after sending a dispute would almost immediately update to dispute completed, thus, clearly ignoring my dispute without investigation. XXXX  hasnt failed to investigate any and all disputes due to the breach and thus, leaving open accounts and collections that are not mine. I have provided documentation on numerous occasions to all bureaus. Transunion has fixed and resolved a few - but not all. All three bureaus have also left accounts from over 7 years ago on my credit report after asking them, per my rights by FCRA. Furthermore, there are accounts from XXXX, wherefore, XXXX  has put in writing to remove all and every late on two different lease accounts in which no bureau has done so, even after supplying the notice in writing due to errors, again violating my rights. Since the breach, I have come across numerous accounts that are not mine. I have had to pay for and try to rectify these accounts and after months of doing this, the bureaus are refusing to acknowledge my proof. I have received NO notices of completion in writing, aside from an update via email from XXXX - which they sent within 24-hours, clearly not investigating my accounts in sufficient time. Therefore, I am requesting that because of this formal complaint and a clear violation of the FCRA laws.

In addition, there are two child support collections on my report, wherefore, a court magistrates order was to delete the accounts from my report, which was provided to each bureau. One bureau did, in fact, rectify this by updating the account to fully paid ; however, they did not follow a court order which clearly states to have both account removed from any and all credit reports due to the fact that we were in litigation for child custody when this went down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the attached document to Equifax, XXXX and XXXX on XX/XX/XXXX and have not received a response or documents to validate the listed items on my consumer report. As of today XXXX/XXXX/XXXX these items are still listed on my consumer report. Below I have listed the accounts names and number that are showing on my consumer report that I requested to be verified since I do no recognize these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX Date : XX/XX/XXXX Dear Credit Reporting Agency, I received a copy of my credit report and found the following inaccurate items which are reporting in error : XXXX - XXXX - This is not mine - please remove this inaccuracy from my report XXXX XXXXXXXX XXXX XXXX - This account is settled. Please provide written validation to the address above. 
XXXX - XXXX - This account is settled. Please provide written validation to the address above. 
XXXX - XXXX - This account is settled. Please provide written validation to the address above. 
XXXX XXXX XXXX - XXXX - This is not mine - please remove this inaccuracy from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX - This account is settled. Please provide written validation to the address above. 
XXXX XXXX - XXXX - This account is settled. Please provide written validation to the address above. 
XXXX XXXX - XXXX - This account is settled. Please provide written validation to the address above. 
XXXX - XXXX - This account is settled. Please provide written validation to the address above. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
XXXXNQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report.
Product: Mortgage

I refinanced my loan with Carrington Mortgage LLC in XXXX of this year 2016. As early as this month, my mortgage payment has gone up again. When I contacted Carrington in XXXX 2016, they assured me that my monthly payment would not go up. They told me that there should not be another escrow analysis done until next year. For whatever reason, my monthly payment has now gone up again. I only refinanced a few months ago! I have to wait on the phone for literally 45 minutes to an hour to get an " explanation '' that does not make sense. I can also not make more than XXXX payment online per month. Ever since Carrington took our loan from XXXX XXXX XXXX it has been a nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Product: Debt collection

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report. I have made previous attempts to fix these issues directly with them and They are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP.
Product: Credit card or prepaid card

I was sent a credit card from Bank of the West. 
It is supposed to have 3 % cash back and a XXXX dollar bonus if i use XXXX in 90 days I am unable to get or even see any of these benefits because they wont let me open an " online account '' to manage my credit card several days of trying and hours with there customer service on the phone gets me the answer that " my account needs to be verified. They will let me know when that happens '' along with long hold times and switching reps to start over with and being hung up on. 

Since the credit card already works, I can not imagine what it is that needs to be " verified '' neither does anyone at the company that I can speak to on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were never a charge off, I never made a late payment on the accounts ever. 120 days late on succeeding succeeding months, with different balances? How is this even possible? Not to mention, they will not give me an explanation as to why they won't fix this erroneous inaccurate claim that has greatly affected my credit score. CFPB step up, reverse the late payments. US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX,
Product: Bank account or service

Citizens Bank reported me, rather my business which is an LLC to Chex Systems as " fraud closure ''. This comes up every time I try to open any sort of account for my personal or business whatsoever. I have a copy of my ChexSystems record and neither of which are on the file. The only record on my file is XXXX XXXX Bank and no one is able to confirm or remove something that is non existent anywhere on my file. The only thing I can think of is that it is under my Chex Systems business account consumer ID. The incorrect business is being reported showing corporation and viewing as " XXXX XXXX XXXX XXXX ''. My business is very similar just take away the " XXXX '' making it " XXXX XXXX XXXX, XXXX :. I am also not a corporation as Chex Systems are reporting with this file, I am an LLC. No one will update this and remove it from my file, name. and ssn! I will be contacting my attorney in the next 2 weeks if this is not resolved.