23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My wallet got stolen in XXXX of 2023 I received a call from the fraud department and sent everything they asked for including the police report and they promise to clear all late fees which they never did
Product: Mortgage

In XX/XX/XXXX, we refinanced our home. That mtg. company subsequently sold our loan to Wells Fargo without notifying us. We kept paying the mortgage to the old company and they were forwarding to Wells Fargo without our knowledge. When they stopped forwarding the money, we heard from Wells Fargo about our payment being late. XXXX of the credit bureaus has fixed this issue on our credit, but the other XXXX still have n't. Please help us with the other XXXX credit bureaus, as we would like to refinance.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to XXXX 's continued failure to resolve fraudulent accounts and inquiries on my credit report, despite my repeated requests. I have attempted to resolve these issues XXXX times, and XXXX, XXXX and equifax has consistently failed to comply with federal regulations, including Section 609 ( a ) ( 1 ) ( A ) of the FCRA, 12 CFR 1006.34 ( b ) ( 5 ), FCRA Section 605B, and FCRA Section 1681e ( b ).

The fraudulent accounts and inquiries listed below were not authorized by me and are negatively affecting my credit profile. XXXX is violating my rights under XXXX5 U.S.C. 1681b, which governs permissible purposes for furnishing consumer reports, and under 15 U.S.C. 1681e ( b ), which mandates accuracy. 

I have listed all fraudulent entries in the attached documentation, including : Fraudulent Accounts 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 XXXX XXXX XXXX XXXX XXXX I am requesting your immediate intervention to ensure TransUnion complies with federal laws and removes these fraudulent entries. If this issue is not addressed, I will be left with no choice but to file a lawsuit.
Product: Credit reporting or other personal consumer reports

I sent over an identity theft documentation and Transunion said my request is missing essential personal identifying information. File # XXXX Transunion also said I did not provide account specific information, such as the name of the creditor. They also said the description of my identity theft was too vague. Because of that I'm resubmitting with everything they requested. XXXX  XXXX by way of identity theft has given my information to Transunion, XXXX, XXXX and other unknown third parties without authorization. XXXX XX/XX/XXXX I signed a ( retail installment contract ) which created a blank endorsement without my knowledge. XXXX XXXX XXXX XXXX claimed they loaned me money. XXXX XXXX XXXX XXXX has to show me accounting/ ledger to have a valid claim. XXXX XXXX needs to provide the original contract as well. If not, this is considered identity theft which is whats going on. XXXX XXXX is using bait-and-switch techniques to secure funds. XXXX XXXX is using my name to secure funds that I do not owe and damaging my credit report. This is identity theft. 
XXXX XXXX XXXX XXXX also placed me as a co-signer when I am the principal on this account. Why did they do this? This is not a mistake when XXXX XXXX has a copy of each contract. I am not the co-signer on this account. If I dont cooperate with XXXX XXXX they damage my credit profile and my mothers XXXX  XXXX credit report. The fraud occurred on XX/XX/XXXX account number XXXX XXXX XXXX and XX/XX/XXXX for account XXXX ( XXXX XXXX ). XXXX XXXX has no standing within these accounts unless they can produce the proper paperwork. Im asking XXXX XXXX XXXX XXXX  to send a certified copy of the ledger signed under the penalty of perjury showing I owe them an alleged debt. I sent XXXX XXXX correspondence on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX dated for remedy. XXXX XXXX XXXX XXXX did not provide the ledger. Once again I requested the accounting to prove this loan to be true, nothing. XXXX XXXX has failed to provide me with proper documentation showing me the ledger that they loaned me money. According to **15 USC 1602g ( see below ). XXXX XXXX is using my name to coerce payment, damage my reputation through credit reporting, without my authorization. I sent documentation to capital one stating I want full disclosure on this account. XXXX XXXX sent the retail installment contract without full disclosure. XXXX has no proof that I owe any debt to them. As a result of that, XXXX XXXX is using my identity to cause harm through damaging my credit report like I mentioned above. XXXX XXXX does not have my consent to send my information to any third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I submitted an online dispute with Experian regarding an account on my credit report that I was not familiar with name XXXX XXXX XXXX XXXX XXXX. account number XXXX... I requested a copy of the original agreement for this account which turned out to be a pay day loan of some sort. NO supporting documents were sent only an updated copy of my credit report. 

XX/XX/XXXX, I sent a certified letter to all 3 credits bureaus for them to check into this account and to have the company provide written proof that the account belonged to me and that I signed to have this unknown account opened. When the credit bureaus sent the report back I never received supporting documents that the account was mine and the information was never fixed on my report. In addition to the information not being updated/ verified XXXX reported and shows that this account was Placed for collection:XXXX, Experian shows the account was opened XX/XX/XXXX and XXXX shows the account opened in XX/XX/XXXX. 

The information that they have provided does not match. How can 1 Bureau report that the account was opened in XXXX and another one report that it was placed in collection in XXXX  The information is not valid and per the Section 611 of the FCRA, this is in complete violation of my rights that this account was not investigated and sufficient proof was provided. Section 611 states, " ... ..of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate ''
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT BELOW NEEDS TO BE CORRECTED OR DELETED COMPLETELY FROM MY CREDIT REPORT : Inaccurate Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX has been double-reporting my student loan balance to Transunion. I provided documentation of my correct account balance to Transunion, but Transunion declined to remove the incorrect information. I am unsure as to why this would be the case as Transunion stated they verified this as accurate with XXXX, which it is not. XXXX has been aware of this issue for several months now, and they have failed on their promise to resolve the duplicate reporting issue.
Product: Mortgage

I applied for a reverse mortgage at AAG and the appraisal was done on XX/XX/2018 I was assured by my adviser at AAG that a local appraiser with experience in my area would be chosen by AAG 's appraisal management company. Instead the appraiser came from a different county about 30 miles away with obviously no experience here. 
I finally received a copy of the appraisal XX/XX/XXXX and was shocked by the incompetency of the appraisal which was filled with errors, omissions, and an inaccurate lot description ( he left out a contiguous 12,600 sq ft ) lot that two other appraisers included in the site description. This small town has homes up steep narrow hills and or very busy streets, and those were the ones chosen. My home is in the " flats '' of XXXX which have entirely different prices. 
My adviser at AAG " challenged '' the appraisal but I received no info on this process and had a very experienced XXXX agent/30 yr resident of XXXX provide many comps to him which supported a price of about one million to 1.5- the appraisal was for {$860000.00} I paid {$500.00} for an appraisal which is useless and incompetent and have done both a XXXX complaint against AAG and a Bureau of Real Estate Appraisers complaint which is pending. 
I have asked AAG for a refund of the {$500.00} to no avail. 

I have many pages of documents and info to show how this all happened, but not sure which ones best to send/
Product: Debt collection

LVNV FUNDING LLC has failed to provide any documentation giving them the legal right to say i owe them an alleged debt amount of {$630.00} and to respond to my cease and desist notice sent on XX/XX/year> to an address specified herein. LVNV FUNDING LLC has reported this Deceive and inaccurate information on my credit report to XXXX, XXXX, and XXXX without my consent tarnishing my character and general reputation. LVNV FUNDING LLC has abused and deceived me into believing that I was obligated to pay this alleged debt. After speaking with a Supervisor of the company, She informed me that this alleged debt was charged off via 1099C to the Internal Revenue Service and LVNV FUNDING LLC purchased this debt, now requiring me to pay them. LVNV FUNDING LLC has violated the Fair Credit Reporting Act, Fair Debt Collection Practices Act and the Dodd-Frank Act and must be held accountable.
Product: Money transfer, virtual currency, or money service

On XX/XX/19 my tenant bought a MoneyGram money order # XXXX. 
At WalMart in XXXX, Ny. 
Walmart transaction st # XXXX op # XXXX te # XXXX tr # XXXX The money order was printed incorrect. In words the amount was " XXXX XXXX XXXX XXXX dollars '', but in numbers {$430.00}. 

When deposited at my bank {$430.00} was deposited. 
The money order was returned, because of the printing error. 

MoneyGram investigated and I settled with them for {$430.00} less {$18.00} fee. 

I filled a complaint with WalMart, the following was their response : Question Reference # XXXX Dear XXXX, MoneyGram Money Transfer,  including Walmart2Walmart World, is a low-cost service that allows customers to transfer money from more than 4,000 Walmart stores nationwide to any MoneyGram agent for low cost and at competitive exchange rates. 

MoneyGram is a licensed money transfer operator. For more information visit walmart.moneygram.com, or for technical assistance or to check on a transfer, you can contact MoneyGram at ( XXXX ) XXXX. 

Thank you, Walmart Customer Care
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint under FCRA and Fair credit and billing act. I would like to see full validation and what the company right to collect on these accounts. I have no knowledge of these accounts. I have no record of these accounts ; therefore, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. I am requesting full validation for the following account names as it appears on my3 credit reports : XXXX XXXX XXXX  Account number XXXX and XXXX XXXXXXXX XXXX Account number XXXX
Product: Debt collection

The debt is from a house are used to own. I got a divorce and the judge awarded the house to my x wife. I did a quit claim deed and the debt was taken off my credit report back in 2021 and now its back on my credit report.
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 AUTO - XXXX
Product: Vehicle loan or lease

I voluntarily turned the vehicle in and the company sent it to collections in the amount of {$6700.00} I have been trying to work with the company and made them aware that I am not working due to XXXX and not having sufficient income and they keep harassing me stating I need to pay the debt or will have garnishments or go to court.
Product: Credit card

I booked a XXXX XXXX flight ticket using my Chase credit card through XXXX XXXX ( trip id XXXX ). When I attempted to cancel my flight, the XXXX XXXXXXXX agent informed me that cancellations or changes were not permitted for tickets booked over a year in advance. The agent advised me to contact XXXX XXXX directly to " take control of the ticket and cancel it as a XXXX credit. '' However, when I contacted XXXX XXXX customer support, I was informed that the ticket was booked through a third-party agency ( Chase XXXX ) and that they were unable to assist with cancellations or refunds. XXXX XXXX representatives stated that only XXXX XXXX could process a refund for this booking. 

This conflicting information between XXXX XXXXXXXX and XXXX XXXX has left me unable to cancel my flight as planned and potentially facing a significant financial loss. I believe this situation may constitute a violation of consumer protection regulations, as I am being denied the ability to cancel a service I purchased.
Product: Mortgage

XXXXSubject: Reference to Complaint ID XXXX Filed with the Consumer Financial Protection Bureau on XX/XX/XXXXXXXXI am writing in reference to Complaint ID XXXX  that I filed with the Consumer Financial Protection Bureau (CFPB) on XX/XX/XXXXXXXXBelow is a timeline of the events related to this complaintXXXX: I submitted a Request for Mortgage Assistance (RMA) to Bank of America (BoA)XXXX I was informed that my request could not be reviewed due to unverifiable income. This response was consistent with BoAs ongoing pattern over the past six months of initiating a cycle of application, denial, and refusal to provide meaningful assistance while continuing foreclosure process. As a result, I filed a formal complaint with the CFPB.XXXX: I submitted the complaint to the CFPB, including all relevant documents and income verification information.XXXX: I received confirmation from the CFPB that the complaint had been forwarded to BoAXXXX: BoA contacted me via email (XXXX), requesting additional information. (Document attached: BoA Additional InformationXXXX: When I called BoA for clarification, I was told there was a flag on my account preventing them from speaking with me after XX/XX/XXXX. This sudden refusal to communicate appears retaliatory, as BoA had no issue discussing my account prior to the CFPB complaint. My relationship manager also refused to engage further.XX/XX/XXXX: Despite their refusal to speak with me, BoA delivered a packet to my home on XX/XX/XXXX urging me to reapply for mortgage assistance. (Document attached: BoA Packet) This action continues their troubling patternencouraging me to reapply, then denying assistance, avoiding communication, and proceeding toward foreclosure.\n\nI respectfully request that the CFPB investigate BoAs handling of this matter, especially their abrupt communication cutoff following the complaint and their continued pattern of applying pressure through non-resolution tactics.XXXXSincerely,XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with necessary proof of investigation. These are the accounts I have marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are attached as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX account # XXXX & account # XXXX FXXXX XXXX XXXX XXXX account # XXXX & XXXX XXXX XXXX account # XXXX & XXXX & XXXX & XXXX has violated my rights. 

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 a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -UNIV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX K XX/XX/XXXX -XXXX XX/XX/XXXX x -XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -XXXX/XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX NEGATIVE 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 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 a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Hello, My husband XXXX XXXX and I opened a Capital One XXXX  card in XXXX of XXXX  because the rewards were good. They claimed that we would " Earn XXXX Bonus MilesEqual to {$750.00} in Travel Rewards After You Spend $ XXXX With XXXX  within the first XXXX months. '' Within a short period of time ( roughly 1 month ) we spent the $ XXXX on the credit card. I was able to watch a spending tracker that they had on the app.The tracker showed the normal rewards that we were earning on our regular purchases, and it also showed how far we had to go in order to get the bonus rewards. The tracker kept growing closer to our $ XXXX goal as we spent, but eventually it just stopped with {$780.00} to go ( despite us continuing to use the card and spending well over that amount ) and then eventually the tracker just disappeared from the app entirely. On XX/XX/XXXX after I knew we had spent over $ XXXX, I called Capital One to ask where our rewards were. They claimed that I would need to wait one billing cycle in order to see the credit on my account, so I should call back in XXXX. I decided to wait a bit longer, and I called back on XXXX XXXX and asked for them to send my rewards. Then they told me that the rewards would be credited to our account on XXXX XXXX. On XX/XX/XXXX, my husband and I jointly called and demanded that our rewards be credited to our account. At this point, they claimed that in fact, we had already received the rewards. As we knew this not to be true, we asked for them to send us a statement or proof of the rewards being credited to our account. If they were not able to send them, we asked them to direct us online or on the app to see where we can see the credit. They said that they were not able to do so. As of now, no proof of the sign up rewards have been provided to us, nor have the actual rewards.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN has my private information that includes account numbers, my social security number & more with out my consent. This is aggravated identity theft. They do not have my written instructions to furnish a consumer report and/or credit report. They are continuously willfully not complying with the law and ignoring my demands to remove XXXX XXXX XXXX XXXX and XXXX from their system and off of my consumer report which they call a credit report.
Product: Credit reporting or other personal consumer reports

Experian Consumer Relations XXXX XXXX XXXX XXXX, XXXX  XXXX Re : CFPB Case # XXXX To Whom It May Concern, I am writing in response to your letter dated XX/XX/scrub>XXXX XXXX XXXX regarding the above-referenced case. While I understand your position, I respectfully disagree with your inability to include my UCC-1 financial obligation documents in my consumer report.

As previously stated, the lien and judgment records in question are part of the public record, and I believe these should be included in my consumer report, just as other public records are. I acknowledge that you do not add data from private parties, but the records I am requesting are filed with the Secretary of State of California, and are verifiable via public records.

It is my understanding that public financial information, especially UCC-1 filings, should be accessible and accurately reflected in my consumer report. Given that you already include public record data from other government offices, I respectfully ask that you reconsider the inclusion of these filings in your reports. As I have already provided the necessary documentation for your review, I would appreciate further clarity on why these specific records can not be included, especially considering they are public filings and verifiable through government channels. 

Thank you for your attention to this matter, and I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ---