23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I tried to find someone to take over my apartment. First time he tried to contact him using his friend. She said he wanted to hear detail about my place. So I emailed to him to explain. Then, he told me he was XXXX XXXX, so he can not see in person. He wanted to see pictures. So I sent him. Then he said he liked it he wanted to reserve my place. He sent a check and he wanted me to know full address, full name and number. Then I got his check. He told me he sent much more money than rent fee. So he wanted me to get rest of money using XXXX so I sent him the money. Then he took the money I sent and stop the check he sent to me. So I contacted the department to get the help. They said he already took the money, so there isnt anything they can help me with this problem
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, 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 Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$3700.00}, XXXX  XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$2300.00}, XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1200.00}, XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$330.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX, XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$0.00} Inquiries : 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 # ( XXXX ) 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.
Product: Debt collection

In accordance with the Fair Credit Reporting Act XXXX  Nelson Cruz and Associates, 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, 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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation
Product: Debt collection

Upon reviewing my credit file to determine the status as well as cause for the status, I noticed several companies that I have no recollection of having any business nor having had/sign any contracts with one behind Convergent. As you questioned, yes Ive attempted to rectify the issue on my own by 1 ) requested validation via the credit reporting agencies directly on XX/XX/2018 ... the responses I received were verified except for XXXX who to date, has yet to respond ( I have sent them an additional follow up on XX/XX/XXXX ). I then took it upon myself to contact them ( Convergent ) directly on or about XX/XX/XXXX or XX/XX/2018 ( attached ). They responded validated because they provided me with a 5 page bill which isnt quite VALIDATINGanything. Im simply seeking assistance in getting this matter resolved.
Product: Mortgage

Village Capital & Investment< LLC XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX - XXXX, AZ XXXX Mortgage Account number : XXXX Village Capital & Investment BAD service & failure to w/ Government regulations : 1. GROSSLY INCOMEPETENT RUDE V.C. & I. Employee Youngsters.

2. NOT allowed to talk to Management. 
3. Complaints NOT resolved.

4. Locked-out-of-Account ; unable to make payments 5. DENIED VA IRRRL program per XXXX  ( 3 ) V.C & I Employee trio. 
XXXX. Mortgage Holders/Customer are required to file complaints with HUD & Better Business Bureau 7 . Village Capital & Investment HARASSMENT continues... 



Description of complaint : Village Capital continues to HARASS, calling me everyday, Violate XXXX, HUD regulations, hence filing a complaint. call me a work, DENY assistance, LIE to me, Deny Veteran Benefit reduction, Village Capital continues to HARASS, calling me everyday. Denied VA Rate Reduction, Locked out-of-Account, Not allowed to setup automatic payment, and V.C. Youngster agents DO NOT allowed me to talk to managers, openly made hatred statement against me ; Disabled American Veteran. I have make other arrangements to make a payment to Village Capital & Investment, LLC due the Gross Incompetence of the Village Capital Incompetent Youngster agents. 

XXXX American Veteran
Product: Credit reporting, credit repair services, or other personal consumer reports

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 violated my rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT. PLEASE HAVE THOSE UNAUTHORIZED INQUIRIES REMOVED =.
Product: Checking or savings account

Starting on XX/XX/XXXX deposits of {$400.00} and {$1100.00} were taken out of my account. over the next week total totals of {$3500.00} would be filtered out of my account both checks and savings. On XX/XX/XXXX two transactions for XXXX were placed into my account by fraudulent check and on XXXX XXXX those deposited checks which also were done in the initial transaction were returned to the original bank that I had not authorized to take it out of my account. Now, I told the people that I spoke to it at Chase that I have a roommate and there is a chance that somebody couldve done it that way, but they said that my story was inconsistent despite me letting him know that I did not authorize any of the transactions, taking place the money with filtered out through checks andXX/XX/XXXX XX/XX/XXXX from various numbers as I said before it is rare for people to be able to access my phone, but because I do not live alone, I am unable to control what others do when I am not here. therefore, I requesting my approximately {$3500.00} back from the Chase financial institution. In addition to this information, the attached checks contain signatures that are obviously not mine based on checks I have deposited in prior years.
Product: Mortgage

I'm trying to get a home equity loan. My bank is approved for the loan but my solar company Sunlight Financial won't release the loan which on their agreement is not clearly defined the homeowner can't refinance.
Product: Mortgage

The mortgage holder on our home is Ditech. We send them a personal check every month for our payment. Beginning XX/XX/XXXX, Ditech ran our paper check through as an electronic funds transfer and then cashed the check at our bank. Since XX/XX/XXXX, they have been double-dipping. I never signed any document that permitted Ditech to do this. Naturally, our bank accounts are in free-fall. We have been charged {$90.00} in fees to cover checks written.
Product: Credit reporting or other personal consumer reports

fraudulant address are being reporting on my current credit report, i have called XXXX  so many times and raised my concern and they will not listen to me at all!... i am extremly desperate to remove these fraudulant address off from my credit report! 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ca XXXX this address needs to be removed as soon as possible
Product: Prepaid card

The name XXXX appears on the documentation because I purchased the card for a relative. 
The only response from the XXXXisa Vanilla company is to contact their automated telephone system again and again which is useless. 
I have changed my pin on the card numerous times and I still can not use the card. Even bypassing and attempting to use the card as a credit card does not work. 

I again changed my PIN number to XXXX before trying to purchase something. 

Very very recently. I tried to make purchases at XXXX XXXX supermarket in XXXX, North Carolina and each attempt failed.
Product: Debt collection

XX/XX/2022 {$310.00} I've never rented from this company. I've asked the company to remove this from my credit report numerous times. It has been disputed and they pursued it anyway knowing they don't have a record of me renting from them.
Product: Credit card or prepaid card

On XX/XX/XXXX, I was a victim of Identity theft. Someone hacked into my American Express account online and removed my bank account information and replaced it with their own. They then pretended to make a {$1500.00} payment on a {$0.00} balance account, knowing that it takes 2-3 days to process, and immediately requested a refund for the full amount from American Express. Amex sent them a {$1500.00} check straight into their bank account. The " payment '' that this person made came back as " non sufficient funds '' and the {$1500.00} that Amex sent him now became a {$1500.00} balance on my Amex account. I contacted Amex as soon as I saw this balance on a credit card that I haven't used in over 3 years. I called them immediately to tell them that this was not me trying to make this payment and the bank account that they sent a {$1500.00} check to was not my bank account. I told them to freeze everything so that this person doesn't have access, but they didn't do what they promised and on XX/XX/XXXX, this person made another " payment '' for {$1300.00} from another bank and immediately asked for a refund to be sent to him. American Express again sent him a check for {$1300.00} and again his payment turned out to be " non sufficient funds ''. After charging me interest fees, returned payment fees, and finance fees. My {$0.00} balance card that I haven't used in over 3 years, has a balance of {$3200.00}. I have called American Express at least once a week for the last 4 months trying to get this off my account and after being transferred from one department to another, and having to explain this nightmare to a different agent every time, for many hours a day ... they haven't done anything to help me. They've told me that they're opening an investigation each time and when I call back to see what the outcome is, they say that no investigation has been open yet. They guaranteed me that they were going to fix this and that my perfect credit score was not going to be ruined. It has now hit my credit score and dropped 64 points overnight due to this delinquent Amex account that they promised that they were going to return back to a {$0.00} balance. This has been a horrible nightmare and American Express has been completely noncompliant in any and all of my complaints. They sent this stranger money without even checking his identity or asking any security questions to make sure that this was me. They didn't notify me when there was suspicious activity on my account. I have still not heard from anyone from Amex regarding this issue.
Product: Bank account or service

EARLY WARNING of XXXX XXXX XXXX XXXX XXXX, AZ XXXX has an entire file on me with inaccurate information and their online portal is not working to submit disputes. My Consumer ID is XXXX First : XXXX XXXX XXXX reported contribution ref # XXXX They have a loss as {$190.00}. I sued XXXX and they provided a debt waiver for me. Second : XXXX XXXX Contribution ref # XXXX saying they had a loss of {$430.00}. This account does not belong to me. Third : XXXX Acct # XXXX Acct # XXXX Acct # XXXX Acct # XXXX do not belong to me. Fourth : XXXX Acct # XXXX settled with me because they were found to be at fault. I received {$9000.00} and a debt waiver from them. My attorney is XXXX XXXX. Fifth : XXXX Acct # XXXX does not belong to me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 and list of Inquiries. 


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 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: Prepaid card

I was trying to use my American Express Gift Cards for purchases on XXXX but the card continues to be declined preventing me from using it. I contacted XXXX customer support and they informed me that the card was indeed declined even though the amount charged is within the gift card 's balance. Others have reported the same issue of not being able to use their Gift Cards on XXXX despite being a general-purpose card because AmEx is blocking them. 

I actually already filed a complaint XXXX with the CFPB and was resolved successfully! But I needed to provide the second card number! So I am doing that in this complaint.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation. 

The specific account ( s ) in question include : XXXX XXXX XXXX : XXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically 1. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information.

* CRAs must block the information within four business days of receiving the required documentation.

2. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within 30 days and delete unverifiable or inaccurate information.

3. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request.

* I formally request the following : 1. The immediate blocking of the disputed information under FCRA 605 ( b ).

2. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report.

3. A revised copy of my credit report reflecting these corrections.

Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly. 

Thank you for your prompt attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX is reporting information on my credit report that has not yet been verified. There has been a lack of response to debt verification requests made my me concerning XXXX XXXX # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for using the XXXX XXXX XXXX  's Online Complaint System. 
Your complaint has been assigned case # XXXX. 
Correspondence regarding this complaint will be emailed to : XXXX Please print a copy of this for your records. 

Filed on : XX/XX/2019 Filed by : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX DE XXXX Filed against : Experian Credit Report XXXX. XXXX  XXXX XXXX TX XXXX Complaint Description : I have contact Experian several times on inaccuracies that they are reporting and they refuse to correct with proof I have provided. I have court Judgement against XXXX XXXX, XXXX and have never been late on any payments. Experian has me at a low credit score which is their was of harassing US consumers. I have NO DEBT nor credit card XXXX. All my living expense Bills are paid in full ever month for at least 30 years. They refuse to correct my credit history, credit score which they say is FAIR and continue to harass US Consumers.

Your Desired Resolution : Do their JOB as they are suppose to be doing in correcting their mistake and sop harassing US consumer by not correcting their inaccuracies in credit report. They need to employ much better train employees. 

This case will be reviewed by a complaint specialist at the XXXX XXXX XXXX, and then forwarded to the business for their response. It is our policy to allow the business 30 working days to respond to your complaint. You will be notified when the business has responded. 

What would you like to do next? 
View the status of your complaint Return to the XXXX Homepage XXXX  Privacy Policy
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted listed below : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2023 XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2XXXX XXXX
Product: Debt collection

Was reported on my creditreport, no communication or knowledge of this company ever. LNVN Funding reported a collection for XXXX XXXX of {$220.00}. I never received anything from either of these companies, as I have no knowledge of them. Never signed up or received services from this XXXXXXXX  Filed a dispute with all three credit reporting agencies and only XXXX has removed it so far. This is a fraudelent accusation or possible identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, XXXX, and XXXX There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. The identified transactions are not information related to any transactions by me as a consumer. 

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  ) You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of receipt of this notice. I look forward to your response.

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint regarding this matter. My first complaint was submitted on XX/XX/2021. My complaint ID is XXXX. I have called Experian and informed them of the inaccurate information that they are reporting on my credit file. I have sent Experian the necessary documentation that they have requested of me. I have not received a response from Experian in regards to my complaint and they are still reporting inaccurate information on my credit file.
Product: Credit reporting or other personal consumer reports

Sending this complaint means that I haven't received an acceptable result that I expected showing in my credit reports. I found that only XXXX inquiry was removed in my Experian credit report, but the rest of the items were still reporting in my XXXX Credit Reports. And I need them REMOVED from my credit file. I am requesting the Experian, XXXX, XXXX to please see the items I listed here in this complaint for you to remove : EXPERIAN : 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 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