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

In XX/XX/XXXX Transunion had deleted several inquiries from my credit report. I have now come to find out upon reviewing my Transunion credit report that the same inquiries that had been deleted have all been reinserted without any notification. Upon further looking into this matter it us my understanding that they did not legally add those inquiries back on. Section 611 under the fair credit reporting act states that anything deleted from my credit report and then reinserted must be notified within 5 days after such action is taken. I never received anything. I have called them and have been told that they can not help me and was told that it was a system error on their part but that it is now fixed. It is my understanding that Transunion did not go about this the legal way which is why I am now submitting this complaint. Please the list below of the inquiries that had been deleted and then added back on. XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX. 

1 ) Account # : XXXX XXXX  2 ) Account # XXXX XXXX XXXX credit card 3 ) Account # : XXXX XXXX XXXXl 4 ) Account # : XXXX XXXX XXXX XXXX 5 XXXX Account # : XXXX XXXX XXXX 6 ) Account # : XXXX XXXX XXXX XXXX 7 ) Account # : XXXX XXXX XXXX XXXX XXXX XXXX5 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 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and notice that I had two late payments on an account that i was never late for. the consumer report agencies have assumed a vital role and have the responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in XX/XX/24 and XX/XX/24. Please investigate and provide proof with statements showing that these payments were late. if proof can't be provided proof with statements showing that these payments were late. if proof can't be provided I demand these payments to be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! please see screenshot attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have frozen my three accounts in the aftermath of the data breach at XXXX in 2017. Since then, both XXXX and Experian have made it really complicated to lift freeze every time I need to. XXXX has a simple online system but Experian and XXXX nominally claim only that they allow such lift online. When I log in and enter my pin, the system tells me without detail that it doesn't work. No phone number to call. I reached out to Experian today through their online chat and was given a number with a series of steps to talk to a customer representative who immediately lifted my freeze in a few steps. This showed that my pins worked. When I tried to log in on my XXXX account, I had the same issue. I called but couldn't find an option to lift my credit freeze.
Product: Money transfer, virtual currency, or money service

I had made some deposits total amount $ 320K USD to www.www.gemini.com, bought crypto ETH, transferred ETH to XXXX, made some profits, the I can not withdraw money from XXXX any more. The XXXX XXXX is a scammer, the site XXXX  is a scam site. 

But www.gemini.com should not deal with the scammer and directly transfer crypto back and forth from XXXX, it makes us think XXXX is a legit site.
Product: Credit reporting or other personal consumer reports

I have false information on which Experian, XXXX, and XXXX are reporting on my credit reports. I have NON MAILABLE ADDRESSES on my reports, False Names, Invalid Phone numbers, etc. I was incarcerated since XX/XX/XXXX to XX/XX/XXXX in which I will provide documentation. I will also provide documentation of my name and proof of address that is MAILABLE. Experian, XXXX, and XXXX Are in violation of the Privacy Act of 1974, 16 CFR 313.1, 15 USC 1681, 15 USC 6802. I shouldnt have anything on any of my credit reports due to the fact that I was Incarcerated. This needs immediate attention as I cant access XXXX for the XXXX XXXX and XXXX XXXX documents I need due to inaccurate reporting by Experian. I cant create Disputes with XXXX and XXXX due to the fact that the information requested is unverifiable. I am not able to access anything due to verification processes that are clearly inaccurate.
Product: Credit reporting or other personal consumer reports

1 ( B ) concerning the reinsertion of previously deleted material into my credit file without the necessary certification of accuracy and notification to the consumer, as mandated by law.

I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 61 On XX/XX/year>, I discovered that the XXXX  account number XXXX was reinserted into my credit report without my knowledge or consent. This action contravenes the FCRA Section 611 ( B ), which outlines specific requirements for the reinsertion of previously deleted information :
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent Identity Theft letters to all 3 Credit Bureaus for the following accounts that are fraud and were not in any way formed/created nor operated in good faith or in accordance to my Person I.e Theft Identity Fraud : Credit Bureaus 1.Transunion 2XXXX 3.XXXX CREDIT/FURNISHER 1. XXXX 2 . XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXI 5. XXXX XXXX 6. XXXX XXXX 7XXXX XXXX XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX 10 . XXXX 11. XXXX 12. XXXX XXXX 13. XXXX 14.XXXX 15 . XXXX 16. XXXX 17. XXXX 18. US SM BUS ADMIN XXXX 19. XXXX : 20. XXXX 21. XXXX 22. XXXX XXXX 23. XXXX XXXX XXXX 24. XXXX 25. XXXX XXXX 26. XXXX XXXX XXXX 27. XXXX XXXX XXXX XXXX 28. XXXXXXXX XXXX XXXX XXXX 29. XXXX XXXX XXXX 30. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/XXXX, This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of $ ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identied in this CFPB complaint from my consumer credit le within 4 business days of receiving said complaint. I request that all written conrmation regarding this CFPB complaint be sent to me via XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have been an account holder of Citibank for 13 years. I never missed a payment, used my bill pay & checking account regularly. 
Last XXXX XXXX, 2016, I took advantage of their special promotion. Their promotion indicated that if you open a new account and deposit {$15000.00} leave the money with them for 3 months, you will be given a credit amounting to {$400.00}. 
I did just that. I went to the bank ( XXXX XXXX XXXX, XXXX, CA XXXX ) on a Saturday, XXXX XXXX. I was made to wait for XXXX long hours since there was only XXXX bank officer who was handling client inquiries other than withdrawal & deposits. The bank officer took the flyer I brought, read the details of the promotion and he took note of the promo code pertaining the promotion. After a new account was successfully opened by the officer, he instructed me to deposit the money to XXXX of the tellers. I was assured that {$400.00} will be credited to my account after 90 days, as long as the money I deposited remains intact and untouched, it should all be good. 
I visited the branch on XXXX XXXX, 2016 to follow up. I was told that there was a problem on my account and it would be elevated to the manager of the bank. Since XXXX until today, XXXX XXXX - I have called and made numerous follow-ups with the bank and the XXXX number, only to be told by the bank manager herself, and multiple customer service representatives, that I was " ineligible '' to receive the promotional credit since it was only offered to NEW account holders. 
Personally, I feel misled by their FALSE ADVERTISING. After they took & held my money for FOUR MONTHS, they would only tell me NOW that I can not be given the {$400.00} credit simply because I am ineligible for that promotion? They were well aware that I am a current account holder with multiple active accounts with their bank. They should have denied opening a new account for me if they deemed I was ineligible WHILE I was there on XXXX XXXX! It was their mistake, why ca n't they rectify the problem they created? My experience with this branch was a classic SWITCH AND BAIT with Citibank. 
I would be very careful dealing this branch. 
Because of this extremely bad experience with them, I have decided to close my account and put my money elsewhere, where I would be treated FAIRLY and appreciated, after many years of loyal banking with them. 
It is so ironic they are aggressive in getting new account holders to bank with them but they ca n't salvage the old, faithful ones that have stuck with them all through the years. So I guess this is what I get for being their LOYAL and active account holder of 13 years, being completely screwed up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX and TransUnion credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX, XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$2900.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$2300.00}.
Product: Mortgage

I currently have to pay PMI on my loan. However, per my origination and loan documents I can request removal of PMI once I reach the 80 % loan to value threshold either on XX/XX/2020 based on payment schedule or when I actually reach the threshold based on actual payments. 

Otherwise my PMI will disappear at 78 % loan to value. My loan servicer is refusing to remove my PMI until I get to 78 %, even though my loan documents state I can request removal at 80 %. They continuously inform me they ned to research and will get back to me. They don't get back to me, and when I call again ( 5 times now ) they start a new investigation and tell me the 78 % rule. Even though I have submitted my loan documentation which is contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 usc 1681 section 602 states I have the right to privacy.

15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b : creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I recieve a response back from my complaint filed with Experian. I am asking that they provide me with the copies used to investigate my dispute and to this day they will not. They generated a response just to get the CFPB to close the complaint. They know that once the response is entered in CFPB automatically closes the complaint, which is unfair to us as consumers. I have the right by law to ask for the original documents used to verify the disputes. Im asking one more time that you send me the information. I have asked twice before and you keep spinning around with your answers. Just provide me with the information you used to verify the investigation according to complaint number XXXX. By law I have a right to ask for the method of verification and you have to provide me wit it. All of that other stuff you are replying about is not what im asking for. please provide me with this information
Product: Credit reporting

I have filed several disputes with the all three of the CRA 's and have also disputed directly with XXXX in SD in regards to XXXX credit lines with them. This account has been re-aged and XXXX XXXX reports that the information remains correct and verified. I do not appreciate this practice and it can be viewed as unethical and perhaps this is not the XXXX time this has occurred.. All XXXX credit bureaus report a different age of these accounts.
Product: Credit reporting or other personal consumer reports

Hello, XXXX XXXX XXXX and I am reaching out today because XXXX is still reporting inaccurate information on my consumer report. The alleged debt has been written off by company Republic Finance and was charged off. The collection account has been written off a a bad debt which uses a 1099-c Cancellation of Debt by company and myself. I ask that you verify this with XXXX and Republic Finance. 
According to the FCRA and FDPCA, its illegal to try and collect on a debt that has been written off on company taxes. It also governs the accuracy, fairness, and privacy of information.
Product: Credit reporting or other personal consumer reports

I was looking over my consumer report and once again its some other person violating the laws the Social Security number belongs to the SSA and anything purchased with that identifier number is in obligation of the United States USC 8. Means that anyone attempting to collect a debt from me is guilty of the false claims act [ FCA ] 31 USC 3729. 12 USC 1431 banks cant loan money because theyre the borrowers.

42USC 408 asking for my social security number on any credit transactions or loans is against the law because there is no lawful money this is a crime. 15 USC 1602 I am the original creditor. 18 U.S.C. 894 is a federal statute that prohibits the use of extortionate means to collect credit extensions. It states that anyone who knowingly uses or conspires to use extortionate means to collect or attempt to collect an extension of credit, or to punish nonrepayment, can be fined or imprisoned for up to 20 years. 15 USC 1602 states I am the original creditor 15 USC finance charge shall be the sum of all charges, if it isnt its a violation. 31 U.S. Code 3123, also known as " Payment of obligations and interest on the public debt '', is a section of the United States Code that covers how the government pays interest and obligations on its public debt. It is part of Title 31, which covers money and finance, and Subtitle III, which covers financial management. The section was dated XXXX and went into effect on XX/XX/XXXX, XXXX XXXX. XXXX, also known as " Loans by bank on its own stock '', is a section of the United States Code that generally prohibits national banks from making loans or purchasing their own stock as security. However, there are some exceptions, such as when a bank acquires stock to prevent a loss on a debt it previously contracted in good faith. If a bank does acquire stock in this way, it must dispose of it within six months.15 USC 1681n of the Fair Credit Reporting Act ( FCRA ) covers civil liability for willful noncompliance with consumer credit reporting agencies ( CRAs ). The FCRA was enacted in XXXX to promote the accuracy, fairness, and privacy of consumer reporting information. 15 U.S. Code 1681o - Civil liability for negligent noncompliance. in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. 15 U.S.C. 1681e ( b ) is a section of the Fair Credit Reporting Act ( FCRA ) that requires consumer reporting agencies ( CRAs ) to follow reasonable procedures to ensure the accuracy of consumer reports.This includes having policies and procedures in place before a dispute or investigation is requested.True accord corporations opened XXXX XXXX say its open reaging the account amount {$230.00} XXXX XXXX XXXX amount {$1200.00} opened XXXX XXXX and saying they are the original creditor also XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a letter from the data furnisher stating they already REMOVED an inaccurate bankruptcy from my report and sent a request for a dispute with Experian on my behalf, with no response from Experian. also i disputed with Experian 10 times, each time they pretend they have investigated or reinvestigated but although they were provided with a copy of XXXX removal letter and a copy of a letter from bankruptcy court, they still sending me E-Oscar generated responses which are UNACCEPTABLE. I am uploading all needed documents here again. please review my claim and resolve my problem.
Product: Mortgage

I had a job working for XXXX, my first payment was due XX/XX/2023 ; XXXX XXXX XXXX XXXX decided to use the fbi XXXX system to steal my identity and use spam calls, fake emails then compromise my mortgage CARDINAL FINANCIAL. MY GRANDMOTHER XXXX XXXX, XXXX XXXX AND OTHERS ARE WITNESSES TO XXXX XXXX sheriffs office hennous crimes towards me. On XX/XX/2023 I got a notice on my home stating it was " vacant. '' XXXX XXXX XXXXXXXX instructed his staff to commit the most treacherous acts against me someone whom he continuously violates civil rights over and over. This man has caused me to lose income, sleep, peace and solitude. On top of identity theft, he has also vandalized the home. XXXX XXXX XXXX on both social media platform for proof from XXXX XXXX office, office off the XXXX XXXX sheriff, located in lovely XXXX XXXX Florida.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my credit report and I've seen so many inquiries on my XXXX   and experian so I've called them they told me about rules and policies which want my argument. I've sent letters more than 30 days ago as well as called and they would not support my frustration to why these inquiries were in my credit report when they weren't authorized. I've contacted the company that pulled my credit and they didn't send letters stating that they went against protocol like they said they were going to do either. The law has been broken with my identity presumptively being compromised is so far from illegal that takes needs to be rectified. Thank you!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my deepest concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting a lot of issues with the platform. Despite using Zelle a lot of times and reporting money being sent to the wrong person my financial institution failed to investigate my claims adequately. They told me they couldnt recover my money at all. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving me so vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello the bank was offing free printouts of peoples credit reports and I saw alot of unknown accounts, names and addresses being reported. I think they have me mixed up with someone else and I need this issue resolved. 
XXXX XXXX opened XXXX XXXXXX/XX/XXXX for {$18000.00} XXXX XXXX  opened : XX/XX/XXXX for {$730.00} PORTFOLIO RECOV ASSOC on XX/XX/XXXX for : {$2100.00} PORTFOLIO RECOV ASSOC was opened : XX/XX/XXXX for {$4200.00} XXXX Account was opened : XX/XX/XXXX Account Balance : {$0.00} XXXX XXXX XXXX XXXX : XX/XX/XXXX Account Balance : {$860.00} Fraudulent Inquires/Unauthorized inquires Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX who the heck is XXXX XXXX XXXX?