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

This is my six 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

items that need to be disputed : Experian : XXXX. XXXX, XXXX ( Original Creditor : XXXX  XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} - Collection XXXX. XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Collection XXXX. XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Collection XXXX. XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Collection XXXX. XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXXXXXX Collection XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9500.00} - ChargeOff XXXX : XXXX. XXXX, XXXX ( Original Creditor : XXXX  XXXX XXXX ) Account Number : XXXX Date Opened : XXXX Balance : {$2300.00} - Collection XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9500.00} - ChargeOff XXXX : XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9500.00} - ChargeOff
Product: Debt collection

Spoke with the representative from Quicken Loans around XX/XX/2018, she verified the amount that was owed for XX/XX/2018, which was about {$38.00}. She also explained why and told me she could take the payment over the phone, however I did not have the funds. Doing this time XX/XX/XXXX was owed and XX/XX/XXXX was late. I made a call again to confirm because I needed to make a payment over the phone. This time is was an EXTREMELEY DIFFERENT CALL. I was told I could not pay XX/XX/XXXX and they need all three months and they sent an intent to foreclose letter and the amount will need to be paid XXXX XXXX. I question when was the letter sent out because today is XX/XX/XXXX. After some research this was an old letter she spoke of and also our home is located in a disaster area after Hurricane Harvey, but I was told that this didn't affect us because we didn't start getting behind until recently and something else must of happened. We were also told that were now 4 months behind because " we know XX/XX/XXXX '' may be late as well although that payment is not due yet. I attempted to explain to a female who said she was in the executive office who was not any help at all as I attempted to explain what we could pay base on what we have which is pay the XX/XX/XXXX right away so that this did not affect our credit rating. Then take care of the XX/XX/XXXX payment by XX/XX/XXXX. Then the XX/XX/XXXX by the end of the month of XX/XX/XXXX, this was not satisfactory and the person stated if you would just not interrupt and let me explain it doesn't work like that. She also stated that this would not be a problem if I just paid what was owed when it is due and their would not be a problem. Quicken seems to have changed the dynamics of their customer service and hired sub par collections representative off the streets who are not properly trained. These individuals were rude, unhelpful and disrespectful for the most part. As it depends on who I was talking to, after the first representative the calls became worst and so did the individual person 's demeanor and customer service skills. As an alternative, I have sent hardship documentation via fax. We have no intention of having our home foreclosed on. We are also requesting that the late payment be removed from our credit files and apply the disaster indication to our account. Finally, I am a federal civilian military employee and except to be treated with dignity and respect just as all people should.
Product: Payday loan, title loan, personal loan, or advance loan

I was able to take out lines of credit from XXXX different online lenders. These loans are illegal in the state of Florida where I reside. The terms are usurious and impossible to pay back.
Product: Credit reporting or other personal consumer reports

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all XXXX data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within XXXX days, as mandated by the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX days old.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of 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. 


Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX  Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting

I have disputed XXXX bankruptcies are listed on my XXXX credit report. They both came back verified. I asked XXXX to re-investigate these accounts and per section 609 of the FCRA send me all the information from their investigation such as who they spoke with to verifty this information and on which date. I contacted the bankruptcy court and I have a letter from them stating that NOONE has every contacted them to verify this information so my question to them is how are they able to verify this and have it listed on my report. Another thing is the information that they have on my report in inaccurate and incomplete. I had to search for the correct mailing address because the address they have listed on my report in incorrect. I have a copy of the mail that was sent back to me returned to sender. How is this accurate and verified when the address they have listed is WRONG. Also, the information is incomplete. The claim amount is listed as {$0.00}. The Liability amount is listed as {$0.00}. How is this accurate and if a TRUE investigation was done it would be complete. I would like this incorrect and inaccurate account deleted from my credit report.
Product: Mortgage

My name is XXXX XXXX. I filed a complaint with you back in XXXX 2021 against Freedom Mortgage refusing to let me come out of forebearance and do a loan Modification on my FHA loan. I requested this 7 months ago from them, back in XX/XX/2021. You contacted Freedom Mortgage and then closed my case. I don't understand why you did this. They still wont send out my modification papers. They continue to lie to me, telling me the papers are complete and they are sending them.They told me in XXXX the papers were on the way to me via XXXX, but they never arrived. Then they told me on XXXX XXXX the papers were on the way to me via XXXX, but of course never showed up. Do you have attorneys I can contact to file a case against Freedom Mortgage before they cause me to lose my home???
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I wired from, XXXX XXXX to Chase Bank, both are my accounts an amount of {$16000.00}. The wire was returned for no reason, so on XX/XX/XXXX, I resent the wire between accounts and the amount was once again declined for no reason. I have made several phone calls between Chase and XXXX XXXX, who continue to say " Oh its coming ... '' First I was told the XXXX of XXXX, did not happen. Then told XXXX of XXXX did not happen. It is now XX/XX/XXXX and Chase has still not returned the wire sent from XXXX XXXX. 
Chase has failed to inform me of the status of the wire and does not give direct answers to my questions. I have been blatantly lied to by Chase representatives through this process about the availability of the founds and when they would post. 

It has now been over a week and my money is still in limbo.
Product: Credit reporting or other personal consumer reports

XXXX : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ), XXXX XXXX  XXXX or XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Re : XXXX XXXX XXXX. Account # XXXX Notice to Cease & Desist To Whom It May Concern : Pursuant to the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, as well as telephonic communication. In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under Federal law. If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the XXXX  State Attorney Generals Office and the Federal Trade Commission. Thank you for your attention regarding this matter. Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

The company ( Coinbase ) created a 12 word seed phrase  password without emailing me the password in XX/XX/2021. They then logged me out of my account the day before the value of my portfolio was expecting a jump in value and will not allow me to log back in without this new seed phrase that they created saying that they don't have access and can't send it to me via email. They should not be allowed to not have a mechanism for restoring these passwords in this day and age especially one that they themselves created.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my student loan ( DPT ED/AIDVANTAGE ). The status is reporting late. I find that strange since I don't recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies from XXXX. Doesn't this go against the FCRA Laws?
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 inquiries need to be removed : XXXX XXXX Date- XX/XX/XXXX XXXX  XXXX || Date- XX/XX/XXXX XXXX XXXX XXXX Date- XX/XX/XXXX XXXX XXXX || Date- XX/XX/XXXX XXXX XXXX XXXX| Date- XX/XX/XXXX XXXX XXXX XXXX Date- XX/XX/XXXX XXXX || Date- XX/XX/XXXX XXXX XXXX Date- XX/XX/XXXX XXXX XXXX XXXX || Date- XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XX/XX/XXXX to dispute their claim that I owe a debt of {$310.00}. The phone numbers provided on the credit report XXXX and XXXX do not connect to the XXXX, but it connects to a company called Superlative RM. Several Managers and Customer Representatives have stated on multiple calls they do not have an account pertaining to me and there is nothing they can do to assist me with removing the debt or resolving the debt. I have not been provided proof of the debt from the XXXX, and they have not responded to letters, and the phone numbers do not connect you with the company. I disputed the validity and accuracy of the debt with XX/XX/XXXXand they reported back that the company verified with them the debt is valid. However, XX/XX/XXXXrepresentative stated to me on a recorded phone call XX/XX/XXXX is not required to provide one shred of evidence that the debt is accurate, they did a self investigation and reported back to XX/XX/XXXX their findings. I asked how is it possible to report a debt on my report without 1 piece of evidence? I have not been able to get in contact with anyone from this company, and yet, XX/XX/XXXX refused to removed the debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX. United States. 

Dear : whomever who is reading this I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer.

As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard.

Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter.

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I deposited a check from XXXX XXXX in XXXX, Texas on Monday into my checking account for {$3100.00} at their ATM and then found out they were putting a hold on the funds until XX/XX/XXXX : Hold Transaction layer Deposit Hold {$3100.00} Total amount delayed, available XX/XX/XXXX at XXXX XXXX ET I have deposited their checks before with access the next day. I am being discriminated against, I don't know anyone else locally who is being subject to these one week plus holds! 

I spoke with customer service a couple times and a supervisor who said there is nothing they can do.
Product: Credit card

I applied for a Venmo Credit Card and was approved but the company never sent the card. The company wrote me that they sent the card to another address and it was sent back, but when I called the company, they said they can't tell me where they sent it. I am not sure of the status of the card now. Venmo should be able to confirm the address and send out a card to the correct address, but there is no option for this when you call into to the customer service number. I managed to speak to someone about the situation, but he transferred me to a third party individual without informing me that he would do that, so I didn't have any confidence that the third party was who they said they were. That third party DID NOT work for Venmo but started to ask for personal identifying information, which was very suspicious.
Product: Credit card

I mailed this bank two USPS Money Orders in one envelope. These two money orders would have paid off my account in full. One money order {$1000.00} was credited to my account. The other money order {$79.00} was not. I called this bank to ask them what they did with my other money order. They could not answer me. They told me that in the future I need to mail multiple money orders in separate envelopes. I closed my account. I now have to go to the Post Office and file a claim for the {$79.00} money order. It's going to take me 60 days to get my money back from the USPS. The USPS charged me {$20.00} for the Money Order Inquiry Claim.

Attachments
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 XXXX credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
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 need to investigate and DELETE from erroneous reporting in my file are listed on my credit report : DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX-Late/Closed-XXXX  DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance XXXX {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureau has failed to timely remove/delete the public item of federal bankruptcy from my credit report. On or about XX/XX/2015, I filed federal bankruptcy under XXXX XXXXXXXX. During the course of these proceedings my XXXX  XXXX was converted under 11 U.S.C. 1307 ( a ) to XXXX  XXXX. XX/XX/2015, my bankruptcy was discharged. 

I've contacted the credit bureau and discussed this. I was told that the information comes from a 3rdparty and a dispute was initiated. Upon receiving the results of the dispute, and nothing being changed ; I am filing this complaint. XXXX reported the information to the Credit Bureau despite providing them with proof that this was an initial XXXX XXXXXXXX filing which has a 7 year reporting time ; it continues to be reported. XXXX reports that the XXXX XXXXXXXX was dismissed or closed, when in fact it was discharged. There was also a reference that all debts were the responsibility of consumer. 
XXXX  XXXX bankruptcy is deleted seven years from the filing date. The reported information should have been deleted XXXX. XXXX XXXX and XXXX have deleted the bankruptcy from my credit report. 


Public Record Information This section includes public record items Equifax obtained from local, state and federal courts through a third party vendor, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX
Product: Credit card

I disputed a 1099 for {$480.00}, as I was provided one for a sign up bonus for a credit card that required ( XXXX XXXX, spend XXXX XXXX in XXXX months to receive XXXX free hotel nights ). This is in disagreement with IRS publication XXXX. This was recorded as case # XXXX. 

I received a letter on XX/XX/24 from Chase saying they can not modify my tax form. I called again in early XXXX to dispute again before contacting CFPB and IRS. I was told I would get a call within a few days, but never did.
Product: Credit reporting or other personal consumer reports

XXXX U.S CXXXX XXXX  ( a ) 6 ( B ) 3- to conduct a resonable reinvestigation to determine whether disputed information in a consumer 's file is inaccurate XXXX has been negligent in my consumer disputes. They are not properly conducting investigations I have presivously disputed items from my credit report but XXXX is failing to do their duties under the FCRA. I'm asking that since XXXX hasn't done their job properly to please delete these accounts since thet are inaccurate or incomplete XXXX XXXXXXXX account- XXXX XX/XX/2024 show NO DATA
Product: Credit reporting or other personal consumer reports

I Have not been supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of alleged debt, nor therefore any such debt, in fact therefore exist