23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Despite my repeated attempts to dispute and rectify the situation, the fraudulent accounts remain, and I have not received any conclusive information from your investigations. It has been well over 60 days since the commencement of the investigation, and to my dismay, I have not received any updates or resolution regarding these fraudulent entries. 
XXXX XXXX XXXX - FRAUD, PLEASE DELETE!!! 
Furthermore, I insist that the credit bureau refrains from reporting these fraudulent accounts until they can be accurately verified. It is imperative that inaccurate and potentially damaging information is not disseminated, especially when the bureau is unable to substantiate the validity of the items in question.
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report.

1. XXXXXXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX 2. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 3. XXXX Date of inquiry : XX/XX/XXXX 4. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 5. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 6. XXXX XXXX Date of inquiry : XX/XX/XXXX 7. XXXX XXXX Date of inquiry : XX/XX/XXXX 8. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 9. XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX 10. XXXX XXXX XXXX Account Number : XXXX
Product: Mortgage

I am requesting a pay-off statement of the TOTAL amount due as of XX/XX/XXXX I am not sure if it matters the the statement you sent is referring to XXXX XXXX XXXX XXXX NY. The correct address is XXXX XXXX XXXX XXXX, N.J. Please provide a full and complete pay-off statement with all the transactions leading up to XX/XX/XXXX I am attaching some of the checks that were paid to this mortgage and need to seen the deductions. I get the feeling that the buyer finds out that their is no financial activity going back to the original XXXX purchase XXXX XXXX XXXX XXXX  XXXX XXXX XXXX mortgage and the buyers senses something is wrong then declines making it next to impossible to sell the property. Right now XXXX XXXX XXXX XXXX  who acquired XXXX XXXX XXXX XXXX has no financial history on the property at all. Records show the mortgage was NOT filed. In addition XXXX XXXX XXXX has produced no release of the lien or discharge record. I contacted XXXX title and they requested my copy of the title policy that doesn't come anywhere near the deed location. 
I have requested XXXX XXXX XXXX XXXXrward me a copy of any financial record paid to XXXX for the mortgage and they have not produce anything that proves that they paid for the mortgage in the first place. 
Please correct the property address and send me an electronic copy of the complete pay-off statement from the very beginning using the pay-off date as XX/XX/XXXX PLEASE TAKE A LOOK AT THE ATTACHED MIN INFORMATION AND THE DATES ....
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XX/XX/XXXX I had sent a money transfer online through money gram. On XX/XX/XXXX I had cancelled the transactions because my daughter was not able to pick them up. I called money gram and they had advised me that the reason why my daughter couldn't pick up the money was because money gram doesn't accept prepaid debit cards. So at that time I was told to wait 3-10 business days for a refund. Well that time had come and gone and I called them back and they had told me that the refund date had passed and that it would have to go to the escalation department. At that time they told me to wait two business days and the money would be returned. Well I waited 3 business days and called back and they said that it was still in process and I would have to call back in another 2 business days. I have been calling everyday with the same result. Nothing is being done about my refund. I asked to speak to a supervisor and I then was asked " even if you're not going to get your money back today ''? I was super upset and still no supervisor or refund.
Product: Debt collection

A letter was sent to my sibling in regard to a debt collection attempt. The letter required her signature for delivery. We live at the same address but she is not a listed party in regard to this financial matter and has no involvement whatsoever ; it was an inappropriate sharing of my financial information.
Product: Credit reporting or other personal consumer reports

This is written to file a formal complaint regarding inaccurate reporting by a credit bureau, which has adversely affected my creditworthiness. The credit bureau in question has erroneously stored late payments on my consumer file, despite these payments being made on time. This incorrect information has resulted in a significant negative impact on my credit score and financial standing. 
Accounts with inaccuracies in transactions stored : XXXX ( acct # XXXX ) -prepaid card, never late payments made. 
XXXX XXXX XXXX ( acct # XXXX ) -unsecured loan, never late payments. 
Under the Fair Credit Reporting Act ( FCRA ), consumer payment and transaction storing processes are regulated to ensure accuracy and fairness in credit reporting. It is clear that the credit bureau 's failure to accurately reflect my payment history violates these provisions, as it does not reflect the true state of my financial obligations. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to rectify the inaccuracies in my credit report. Additionally, I seek enforcement of FCRA laws to ensure that such errors are corrected and that consumers are protected from unwarranted damage to their creditworthiness.
Product: Mortgage

Aggressive Loan Officer ( XXXX XXXX ) at Quicken Loans that performed a Mortgage Review of my current homeowner 's loan that currently has a fixed rate of 4 % - FHA-30-year loan with Quicken Loans and when I informed the Loan Officer on XXXX/XXXX/16 that I was not interested in refinancing my home because it would not save me any money and that I would have to pay closing costs as well. The Loan Officer continued to contact me 3 additional times by e-mail on XXXX/XXXX/16 and mail communication on XXXX/XXXX/16 and now today, XXXX/XXXX/16. The Loan Officer as uploaded new refinance information on my on-line account without my knowledge, permission or consent. I feel like I am being harassed by Quicken Loans by their aggressive and predatory style of doing business.
Product: Credit reporting or other personal consumer reports

There was a charge on my Barclay credit card statement for {$26.00}. The charge was from XX/XX/XXXX - XXXX XXXX XXXXXXXX XXXX IL XXXX I did not go to this restaurant in XXXX, IL. Tried calling the restaurant, but could not find a phone number for the restaurant in XXXX, IL. I let my Credit card company know that this charge was not mine. They came back with that this charge was valid, the credit card was used and the chip technology was used. That is not possible because we have a card and we did not go the XXXX XXXX and eat pizza at XXXX XXXX, No XXXX XXXX  is in XXXX, IL was the charge can not be valid. The Credit card company is wrong. Please help. 
Enclosed : copy of charge on the Credit card statement. Letter from our credit card company with there resolution, which is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I was looking at my credit report recently and noticed there was inaccurate/erroneous information being reported on my transunion, XXXX and XXXX account. On XX/XX/2023, I traded on my lease from XXXX XXXX for my XXXX XXXX vehicle. My old vehicle was then purchased in full for approximately XXXX XXXXXXXX. The payment was sent to XXXX XXXX from XXXX XXXX ( attached is the evidence showing the proof of payment ) Additionally, XXXX XXXX  has confirmed within the attached letter that dated XX/XX/2023, I currently have a XXXX balance loan and have never had any outstanding payments. As such, I request that the late payment identified on my TransUnion, XXXX, and XXXX credit reports be removed as they are inaccurate. I also want my payment history back to 100 % as I should have ZERO late fee 's. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Credit Bureau Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Bureau Dispute Department Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Credit Bureau Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Urgent Dispute Due to Identity Theft and Incorrect Account Information Dear Sir/Madam, I am writing to formally dispute inaccurate information on my credit report due to a case of identity theft and incorrect account information. My name is XXXX XXXX, and I have discovered that there is a XXXX card account on my credit report under the name XXXX XXXX. This account does not belong to me and appears to belong to a person with a similar name. 

This discrepancy constitutes identity theft, as the account has been erroneously attributed to me, impacting my credit score and financial reputation. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., I am disputing this account and requesting its immediate removal from my credit report. 

Enclosed with this letter, you will find : A copy of my identity theft report filed with the local police department. 
A copy of my personal identification documents for verification. 
Documentation showing the incorrect account information under the name XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have paid this company on time with bills and it was managed by a 3rd party debt counseling. They reported a late payment when it was not late. Will attach screenshots of payments. I had around XXXX XXXX as a payment and it was completed, then another XXXX XXXX which was completed. There was no late payment.
Product: Checking or savings account

I have been a long time user of Cash App and had no out of the ordinary transactions whatsoever. I sent money to friends I knew personally in XX/XX/2024 for small expenses like food and bills. The largest transaction I received was in XXXXXXXX XXXX XXXX for XXXX XXXX for {$1000.00} as I am a XXXX XXXX from a family member. None of my activity was out of the ordinary. And out of the blue, my account was closed. Cash App refused to provide me with any information as to what activity violated their terms and conditions. I believe I was targeted for reasons outside of my Cash App transactions. All I want is my account reinstated as I did nothing wrong and rely on using Cash App to pay people for basic expenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am exercising my right under the Fair Credit Reporting Act, Metro 2 Compliance Guidelines, Credit Reporting Resource Guidelines Pages 2-2, 5-14, and 6-50 SEE ATTACHED. I am demanding you remove this item immediately. XXXX XXXX, account number : XXXX. This account is being reported illegally. If not removed immediately, Account name : XXXX XXXX Account Violations : ( 1. ) Correction : Account should be reporting monthly-SEE ATTACHED ( 2. ) Correction : There are no Recent Balances on Charged Off accounts-SEE ATTACHED
Product: Checking or savings account

1. Bofa told me that my savings account can avoid the maintenance fee if I maintain a balance of at least {$500.00}. 
2. I have a balance of at least {$500.00}, but Bank of America still charged me the {$8.00} maintenance fee on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I had auto insurance using this XXXX XXXX with no plm until my travel trailer was stolen. I then reported the theft. I got the paid out check from them for the loss. However, they charged me for auto and travel trailer of under {$300.00}, but they then realized they made a mistake assuming I still have the travel trailer. I did not have it aince XXXX, XXXX. They charged me miatakenly after I called them on why they charged me too high. They fixed it. And I allowed them to take my money using the auto pay system. However, they were going to charge me more than normal. I called last week why they are high. They said it is due to accident in XXXX, XXXX. But that was already counted on the previous policy. Inatead of keeping it same as before, they would charge me for under {$350.00} or more. The truck is only XXXX. The XXXX XXXX ripped me off big time. Plus they used my credit score or report without my permission. I wanted to purchase a life insurance and they rejected my application to get a life insurance. See their letter. Again, they are being cruel to me. The credit score changed for some reason. Also, the amounts of money they took from my bank were irregular. They did not take the same amount per month. They are not balancing right with my bank account and insurance policy. Very fishy. XXXX did have repeatedly used very, very, very old information on my credit record. They are probably XXXX setting me up to fail and keep me stuck in the level and would NOT let me cross XXXX. I see their credit repoets do not have 2 apartments information that I had/have lived. No credit record was charged at all before and after living in apts and using utlities. No changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit reports with XXXX, XXXX  and Experian and found that all of the inquiries on each of my credit reports were a result of identity theft. I have not applied for credit in several years and contacted each of the credit bureaus in order to have these inquiries removed. I have not heard back from any of the credit bureaus regarding these matters. I have also asked the credit bureaus to place a fraud alert on my credit reports to ensure that nobody is using my social security number without my consent. 

Furthermore, I have an auto loan that I co-signed from XXXX  XXXX  which was reported as being late after the Coronavirus CARES Act passed which bars the reporting of late payments on my credit reports as I was unable to go to work because of the mandatory government and business shutdowns. As such, I have been working with XXXX  XXXX  to apply for a forbearance on this Auto Loan for over a year. I am not sure why it was reported late at all considering these facts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Listen I do not know what's going on but I feel like I'm being take as a JOKE this is my second complaint. I will be pasting my complaint again .... " Since mid XXXX I've been in distress due to Fico dropping more score drastically from wrong information being reported. It's being reported that I have a 60 day delinquency which I don't. I believe it's that way due to me being in forbearance with my mortgage ( I'm out now ) a comment was put on my account which stated " partial payment agreement ''. every since then fico has been reporting that I have a 60+ day delinquency. This matter is stopping me from moving forward with my finances, business etc. I DO NOT have any delinquency so I need this fixed as soon as possible. What they're reporting is COMPLETELY inaccurate and should be fixed immediately. I will be attaching where it's being reported that I missed a payment. '' The problem was fixed after my complaint and 2 days after that it went right back to saying I was 60+ delinquent! I XXXX  put in a dispute to my XXXX XXXX account after my complaint. I'm not disputing XXXX XXXX, I'm disputing XX/XX/XXXX. I'm disputing the INCORRECT 60+ delinquency. REMOVE IT AND KEEP IT OFF OF MY REPORT. I'VE BEEN GETTING DENIED BACK TO BACK BECAUSE OF THE COMPLETELY FALSE INFORMATION BEING REPORTED.
Product: Debt collection

Made a furniture purchase at XXXX they went out of business furniture was defective. Account was with Wells Fargo. 
It was stated by XXXX XXXX XXXX on XXXX Account is closed payment amount in dispute was not required. And by XXXX XXXX XXXX closed account
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to tak timely and effective measures to prevent ar address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress of the violation
Product: Student loan

Student loans being reported by XXXX XXXX, XXXX, XXXX and XXXX. All the same loans on my credit report, so that XXXX loan appears 4 times as derogatory. This is violation of Fair Credit Reporting Laws. Loans have been forgiven under XXXX provision. 

I went to XXXX University and XXXX XXXX XXXX XXXX XXXX in Illinois.
Product: Credit reporting

To All party involve XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 

PLEASE UPDATE MY CELL PHONE NUMBER TO MY FRAUD ALLERT { XXXX } XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX, XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I received 4 cashiers checks from XXXX XXXX XXXX XXXX XXXX which is affiliated with XXXXXXXX XXXX XXXX all 4 checks are dated XX/XX/XXXX 3 for the amount of {$10000.00} and one for the amount of {$1500.00}, I went to deposit the checks at Wells Fargo at the the teller window they said there will be a hold placed on my checks because the accounts can not be found, but there is a number on the check with an authorization number that my bank Wells Fargo has to call and verify the check for the check to to be released, I called the bank issuing the cashiers check XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and they told me the the checks cleared on XX/XX/XXXX, Wells Fargo will not call or take action to call the number on the check to verify the check to release the hold on my money, granted this is money I received is from the irs through XXXX XXXX, I need Wells Fargo to take action to call the number on the check to verify the checks to take the holds off my checks and they repeatedly keep telling me this is not how they verify checks but the bank issuing the cashiers check told me Wells Fargo HAS TO CALL THE NUMBER ON THE CHECK to verify the check and release the hold on my money, please I need help badly all Wells Fargo is telling me to do is wait until XX/XX/XXXX thats when the checks should be cleared but they are still stating that the account can not be found when all they have to do is call the number on the front of the check to verify and release my funds. The bank issuing the cashiers check told me my money is there on that account waiting for wells fargo to verify the check with them and my bank is not doing anything but telling me to wait until the XXXX and hopefully the funds will go through when all they have to do is verify the check by calling the number on the front of the check and give them them the authorization number that is printed on the check to have them verify that the funds so they can release them
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance {$19000.00} ; XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2021 ; XXXX XXXX Inquiry Date XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, [ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX  XXXX XXXX ] [ 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 604 A Section 2 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

EQUIFAX, XXXX AND XXXX HAVE inaccurate information on credit report please let them know that my cra and ftc rights have been violated code protection consumer rights
Product: Credit reporting or other personal consumer reports

per the FCRA, as a federally protected consumer, I am opting out of any and all authorization, I the consumer, may have given you written unwritten verbal and nonverbal per 15 USC 6802. ALL inquiries must be removed. 

Per the family XXXX educational privacy act of XXXX, my transaction history was compromised and given to a third party that was NOT authorized by me. 

Lastly, XXXX has removed items off of my credit report but transunion, XXXX XXXX and XXXX has not removed these items. By law, all credit reporting companies MUST be congruent and have the SAME reporting. Please fix these issues. 


My proof of claim is attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover Bank is reporting two lates in XX/XX/2016 and XX/XX/2016 that I should not have. I never received any statements or notification about these lates, I always make my payments on time and when I did finally find out about the lates I paid them immediately. I don't know why my account was late these times and would appreciate them being removed.