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

Trans Union is ignoring my requests to investigate, verify and remove accounts from my credit file that do not belong to me.
Product: Debt collection

XXXX XXXX {$450.00} Date Opened : XX/XX/year> Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. They also have no permission to report ANYTHING using my info pursuant to 15 USC 1681 4.
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 : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

This is my first 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 XXXXXXXX, MD XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$3200.00} XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$700.00} XXXX  XXXX XXXX XXXX Original Creditor : XXXX  ) XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$530.00} XXXX  XXXX Balance : {$1400.00} XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$750.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$5000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$95.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$690.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

We paid off a loan to Greentree and they said they sent a refund check. We never received it or it was never cashed. I wrote 3 times to request information and they never reacted except to say it was sent. Help
Product: Mortgage

I have received a statement on  XXXX / XXXX / XXXX  from my new loan compan y LoanCare a   servicelink compan  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX , VA  XXXX   XXXX  whom bought my loan from   XXXX   XXXX   XXXX   XXXX . The loan was bought in    XXXX   XXXX   XXXX    ( i know why the bought in  XXXX  now. ) I had    XXXX   XXXX   XXXX    since my last FHA refinance in  XXXX . I have NEVER had an escrow issue for 6 years. N ow LoanCare is saying I am a tax payment short of their buffer. Which the amount is {$1600.00}. Their   statement suggests even if I pay this amount my payment will be increased. This is very fraudulent and happens to millions a suspect a year. I have contacted  XXXX  to request all  XXXX  statements to prove this fraudulence. What is worst, is I have contacted LoanCare by phone without a successful explanation other than your short. I have emailed them  three times in the last three weeks with  NO response. Let me know if you need anything from me as I battle a bank ....
Product: Credit card

My American Express XXXX Business credit card payment date is on the XXXX of each month. In XXXX, I paid on the XXXX - 2 days late - and Amex increased my interest rate to more than 25 % without any prior notice. It 's my understanding that credit card companies can not increase the interest rate unless the payment is more than 60 days late. Amex claims they increased it because I previously paid 2 days late, but the previous late payment was 7 months ago, and a result of misinformation I received from an Amex agent stating that I could change the account from which my previous automatic payments were being withdrawn from in time to have the payment post that was due XXXX. The increased payment of more than double my former interest rate is causing financial hardship and seems to go against the XXXX XXXX of 2009.
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays Bank US reported an unauthorized inquiry on my credit report on XX/XX/2020. I did not authorize this inquiry from this company, but the inquiry shows up on my XXXX Credit Report. I have contacted this company regarding this issue and they told me to contact the bureau and create a dispute with the credit bureau. Once I have done that, nothing happened, and the inquiry was not removed from my credit report. Furthermore, I have contacted XXXX and they told me that there was not a formal dispute process for disputing inquiries off of credit files. They have further told me that their process was that they send out a notification to the creditors to have them remove it. XXXX have done that three different times, and nothing happened, and the unauthorized inquiries still remains on my XXXX  report. I am very disgruntled regarding this matter and my next steps is to file a small claims lawsuit with the courts if this matter is not resolved immediately.
Product: Credit reporting or other personal consumer reports

This morning, I discovered inaccurate accounts listed on my credit report, and I am completely baffled as to why this has happened. When I checked my report, as I normally do, I noticed discrepancies that came out of nowhere. I even refreshed my browser, thinking it might be a glitch, but nothing changed. The inaccurate accounts remained, and now I am pleading for the documents Ive submitted to be thoroughly reviewed so I can finally put this worry to rest.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX years ago, my personal information was stolen - social security card, XXXX XXXX credit card and California ID. I filed a police report with the XXXX police department, due to fraudulent transactions and cash advances connected to my XXXX XXXX account. They were able to gain access to my XXXX XXXX account using my personal information. I was able to dispute the fraudulent transactions, but then my log-in information to my XXXX XXXX account is was changed and cash advances were being made. My credit card was maxed out on XX/XX/XXXX. Additionally, another fraudulent account was opened under my name through XXXX on XX/XX/XXXX and maintained a balance of {$930.00}.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
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. 

XXXX XXXX XXXX  Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX : 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 XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX :
Product: Credit reporting or other personal consumer reports

Please delete the following accounts and inquires I filed last month CFPB but still not response XXXX XXXX XXXX XXXX XX/XX/XXXX {$18000.00} XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX Balance : {$17000.00}.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX  # XXXX BALANCE {$1500.00} Account Name : XXXX XXXX  XXXX XXXX BALANCE {$1100.00} Account Name : XXXX CARD # XXXX BALANCE {$5500.00} Account Name : XXXX FCU # XXXX BALANCE {$20000.00} Account Name : XXXX  XXXX # XXXX BALANCE {$3600.00} Account Name : XXXX XXXX XXXX XXXX  XXXX BALANCE {$0.00} Account Name : XXXX XXXX XXXX XXXX # XXXX BALANCE {$4600.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have been caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX
Product: Credit reporting or other personal consumer reports

This was my follow up for my last complaint. Upon reviewing my updated personal credit report again, it has come to my attention that several unauthorized inquiries and erroneous information persist on my record despite previous request for their removal. Despite my efforts to rectify this matter directly with the respective companies, none of the inquiries I identified for removal have been deleted. I once request that you undertake a thorough investigation and expedite the removal of the following unauthorized inquiries from my credit report. This investigation is necessary to ascertain the individuals responsible for authorizing these inquiries and to ensure the accuracy of my credit report. I am confident in the validity of my claim and trust that you will take the appropriate steps to address this matter promptly. Therefore, I kindly request the removal of the following unauthorized inquiries and the provision of an updated copy of my credit report reflecting their removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Should you determine any of the referenced inquiries to be valid, I request a detailed description of the investigative procedures employed within 15 business days following the completion of your investigation. However, I maintain that none of the inquiries listed herein are valid and thus urge their immediate removal, in accordance with FCRA Section 605B ( a ), which mandates the expeditious removal of items identified by the consumer as stemming from alleged identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th request that I have been a victim of identity theft and that no one seems to care, that I want to question specific records in my credit file that do not belong to me. These 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 items : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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
Product: Debt collection

I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this accounts
Product: Mortgage

Wells Fargo 's short term payment relief is incredibly misleading. If you read the short term payment relief, it is assumed you won't have to pay a lump sum after 90 days, and that these payments will be put on the back end of the loan. However on the phone, the operator springs on you that the entirety of the mortgage is due after 90 days. This isn't explained ANYWHERE in Wells Fargos documentary. They simple could have said this, but they didn't. 

How in the world can people affected by Covid 19 miraculously come up with a lump sum of money after 90 days if they can't pay during the 90 days? What help has this honestly done, but mislead their clients?
Product: Checking or savings account

XX/XX/2023 I put {$20000.00} from my XXXX XXXX XXXX business account into the Marcus by Goldman Sachs CD. XX/XX/2023 they emailed me to say the account had been closed but did not give a reason. I received a phone call around that same date to say the money would be refunded to my banking account within 3-5 business days and they would not pay me accrued interest. I have called once per week since then letting them know I have not received the money and they keep telling me it will be in my account in 1-3 business days. None of the money has been returned. What it feels like is I've been robbed of {$20000.00}. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a company called Mariner Finance and I never took an account out or I never applied and it's on my account fraudulently also XXXX XXXX XXXX XXXX  as well and something called XXXX XXXX XXXX XXXX XXXX  they also have my information and I never heard of these places. I have a credit freeze on my credit reports for 7 years. I never took these accounts out at all. I am a victim of identity theft, for over 10 years.
Product: Checking or savings account

Bank of America closed out my business account and have refused to send out the balance on my account of over {$80000.00}. They have been doing this to a lot of people and it has to be illegal for the bank to close an account and hold on to funds that do not rightfuly belong to them,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this entry with Sunrise Credit Services regarding them placing a negative entry on my credit report without providing a dunning letter that would allow me 30 days to dispute the validity of the alleged debt. Once I became aware that this entry was placed on my reports, I immediately began the dispute. I submitted to Sunrise via certified letter with return receipt a dispute requesting that they provide : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary Sunrise did not comply. They sent merely a statement that was created on their letterhead and reflected an arbitrary number that did not have any documentation to substantiate it. The document they sent lacked veracity. Anyone can create a statement on letterhead and allege a debt is owed but in this case, this alleged debt is not validated. Sunrise should have provided a copy of the financial responsibility page from the provider that reflected my signature granting them permission to disclose/release medical information about me. 

In XXXX I resubmitted yet another dispute with this company by sending a certified letter with return receipt whereby I was still refuting what they were continuing to report. Tracking ( see attached ), reflects that this company received the letter on XX/XX/XXXX and to date has not responded. My request was twofold : for them to provide a copy of the financial responsibility page and 2, cease any and all reporting of this entry on the credit bureaus until I had validated the debt. Sunrise again blatantly disregarded this request and as you can see on the attached credit report, continues to do so. THIS IS ILLEGAL!!

Sunrise blatantly violated my consumer rights by placing this entry on my report without providing me notification and too, they did not respond with any documentation to support the erroneous, inaccurate, unverifiable information they are reporting on my credit reports. Further, I have never heard of this company nor have I ever did business with this company, yet they are continuing to report negative information on my reports. 

This entry should be DELETED IMMEDIATELY!
Product: Checking or savings account

My phone number was stolen, so that my online banking account password was changed, and my checking account and credit card were stolen. I called the bank on the same day and recovered the stolen money. After a few weeks, the bank I took the money back from me. I went to the bank to ask the bank, and the bank said that the system XXXX was operated by myself! Want me to go to the police station and get evidence from XXXX
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or remove the following accounts : XXXX  XXXX
Product: Vehicle loan or lease

XXXX XXXX has reported a vehicle loan as charged off to the credit bureaus. Currently we are in the process of obtaining a mortgage and the underwriters require that we obtain a letter from XXXX XXXX regarding this loan that states the loan was charged off. We have contact XXXX XXXX several times to request this letter and they refuse to supply a letter. We were told they would not send a letter and that it would need to be obtained via the credit bureau. The credit bureau is simply reported the information provided to them by the original creditor, XXXX XXXX. The document must come from XXXX XXXX, however they have been rude, condescending and uncooperative. We were told at one time the letter would be faxed on Monday, XXXX XXXX, XXXX but this never happened. When contacted again, they would not say why it was not sent and refused to send one. Not only the purchase of our home is waiting on this letter, but the seller can not proceed with their purchase and the seller 's seller can not move forward to close on their home until this has been obtained. XXXX XXXX XXXX XXXX, XXXX XXXX stated they do not send letters several times. Then in her next statement she indicated that they had already sent a letter when the loan was written off. When asked to resend the letter she mentioned, she stated " we do n't resend letters. '' We have spoken to several representatives including XXXX, XXXX, XXXX, XXXX and XXXX to mention just a few. Our son called to try to get information and was given information about our account even though they claim they had no release. If the indeed had no release, they are breaking privacy laws by even acknowledging the existence of the account. Yet, we continue to be vilified because of a past credit issue/mistake that was outside of our control at the time. All we have asked is for a simple letter that states the account was charged off and the date it was charged off so we and several others may move forward with our home purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

these acconuts don't belong to me. please remove accounts : 1. Identity Theft XXXX  Date of inquiry : XX/XX/2019 This is not mine.

2. Identity Theft AMERICAN HONDA FINANCE Account Number : XXXX**** This is not mine.