23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or 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: Mortgage

We have recently refinanced our home and found out Cardinal Financial incorrectly filed a lien on our property. When we purchased our property ( a  manufactured home ) in XXXX, during the closing apparently Cardinal Financial had the escrow company file a UCC document with our Deed of Trust mortgage. Then in XXXX of XXXX, when we decided to refinance and were notified that we needed Cardinal Financial to release the incorrectly filed XXXX document, they refused. We called several times and so did the escrow company and no one at Cardinal Financial would acknowledge this incorrect document and refused to help. Our current lender agreed to complete our transaction and monitor the release, which is still not complete. We closed our refinance ( XX/XX/XXXX ) and were charged release fees and as of XX/XX/XXXX, Cardinal Financial has not released the incorrect XXXX or the mortgage that was paid in full XX/XX/XXXX against our property or on MERS. I am attaching the title report and the incorrect XXXX filing. The XXXX filing is incorrect on lines 6a and 6b. 6a should be marked as a Manufactured Home Transaction and 6b should be checked Non-UCC filing.

We would like to get a home equity to consolidate our remaining debts and our credit union can not complete this without Cardinal Financial completing the release.

We hope this gets resolved as NO ONE at Cardinal Financial will help us, nor can our previous escrow company. How is this LEGAL. Why is Cardinal Financial able to do this? Why is there no protection against companies like Cardinal Financial? 

PLEASE HELP US GET THESE RELEASED. 

Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently check my credit report i noticed that i've been victim of identity theft and found numerous credit inquiries i have no knowledge of these inquries that i've found : XXXX XXXX  ( XXXX ) XX/XX/2024. XXXX XXXX XXXX XXXX XXXX. Please remove the fraudulent inquiries from my credit report
Product: Credit reporting or other personal consumer reports

I wrote multiple letters to XXXX and TRANSUNION and the last letters was sent out XX/XX/year>. I never received a response from them before the last letter and now XXXX send me a letter stating that the letters of dispute was not from me. How did they verify that those letters are not from me, I also included my ID and some information. I created those disputes since there are inaccuracies on my report. This XXXX XXXX account number : XXXX is reporting XXXX XXXX  incorrect on TRANSUNION and XXXX. This account was paid and closed as agreed and on time. Under penalty of perjury, I swear this account is false and misleading. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation ; it was reported without valid evidence. Theres a part of the law that requires them to at least update the status of the account and label it as being in dispute. They failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Its clear to me no proper investigation actually took place which is negligence on their part my livelihood is at stake and this inaccuracy is causing me great stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted numerous times to add a credit card account that I am on to both XXXX and Experian. It is very important as it is an older account and one that will update my utilization ratio tremendously. 
Currently only XXXX has it correctly listed and as a consumer the FCRA gives me the right to have any credit information and accounts that I am currently listed on. Thank you.
Product: Credit reporting or other personal consumer reports

This grumbling to TRANSUNION was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the XXXX XXXX XXXX XXXX, nor did they respond to it. 
As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC reports to support this complaint with the FTC number XXXX.
Product: Credit card

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refuses to listen to the consumer as to the event of their credit score. I called when I knew I was late and was told they would not report to my credit report. Not only do d tgey and did they drive my credit score south which prevented me from being able to get a home equity loan from XXXX XXXX XXXX XXXX because they choose not to honor the COVID 19 cares act, which a couple weeks ago on XXXX REORDERED LINE A CUSTOMER SERVICES SAID TGEY WERE NOT WORRIED ABOUT TGE CARES ACT BECAUSE THEY ARE BIGGER THAN THE GOVERNMENT.
Product: Checking or savings account

I was a victim of a scam involving funds taken out of my bank account via a wire transfer.This occurred on XXXX. A third party contacted me about previous charge on my XXXX then told me that the IRS was asking this company to refund consumers. That being said the third party wire transferred what I thought was just the amount of the charge {$570.00}. It was for {$57000.00}. I checked my online bank account and the funds were there-third person instructed me to go to my bank and ask for the funds to be reversed back to them. I was told to tell the bank rep to reverse wire the funds citing " Clerical Error ''. The bank rep complied-never asking any questions. The third party, again wired me {$54000.00} to which I was then instructed to go to another branch of my bank and have the funds reverse wired back. Again back to another branch to have funds reversed, bank teller complied. This person, he called himself XXXX, has now been calling me incessantly that I have now had to contact the local police department and others. My bank account has now been hacked for approximately {$100000.00}. I have now closed all my bank accounts.
Product: Credit card

XXXX. I submitted an application for American Express Credit Card on XX/XX/year>. 
XXXX. My application was denied on XX/XX/year>, which constitutes Adverse action against a consumer is against the law according to the Equal Credit Opportunity Act, which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1602k. 
XXXX. I Then reached out to Investor Relations via email on XX/XX/year>, no response. 
XXXX. I checked my Consumer Report to of which my credit has been accessed to which I received no benefit, which is in violation of 15 U.S. Code 1042, U.S.C 1681m, and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not granted.
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 15 USC 1681. XXXX Account # XXXX or XXXX, has violated my rights : Original creditor : XXXX XXXX 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 Consent 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, 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 15 USC 1681. 

The following creditors have violated my rights. 

Creditor : XXXXXXXX XXXX Account number : XXXX Amount : {$390.00} Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Account number : XXXX Amount : {$3200.00} Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Account number : XXXX Amount : {$260.00} Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Account number : XXXX Amount : {$3400.00} Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Account number : XXXX Amount : {$3900.00} Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Account number : XXXX Amount : {$520.00} XXXX Creditor : XXXX XXXX  Account number : XXXX Amount : {$330.00} Date : XX/XX/XXXX 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: Debt collection

Cerulean has called me 5 times just today from what appears to be a spoofed phone number and they've called my husband 24 times in the past week. He filed a complaint earlier today regarding the obscene amount of calls he's gotten.
Product: Mortgage

Wife and I applied for a mortgage through Fifth Third at the start of XX/XX/2020. We originally wanted to go with the Indiana Housing Authority, because we were guaranteed down payment assistance of {$5000.00}. We were convinced by Fifth Third Bank to use them, because they guaranteed a sum of {$10000.00}. 
The mortgage officer that we worked with repeatedly " accidentally '' missed the deadlines to apply for the assistance. And repeatedly " lost '' the paperwork necessary to move forward, even though it was all digital. After starting the process, I was told told several times by the representative that she believed that my wife and I were too young to be buying a house together, and were too young to be getting married. 
Further along the process, she just stopped answering questions. She started making up additional rules, unreasonable demands, and refusing to help us on several occasions. I was working for the same company at the time, and was repeatedly told that they couldn't verify my income, that came from them. Anytime I asked for payment estimate, any time I asked for any information that is easily verifiable, I was met with push-back, and being told, " Well you never know what is going to happen before closing. '' After losing out on $ XXXX in down payment assistance, I was repeatedly told by the agent that she didn't believe that I could afford this house. She also told me that I shouldn't put my wife 's name on the deed, because we are still young. 

It was incredibly infuriating, but after three months of the discrimination, we finally went to another lender, who helped us very quickly. Our original closing date was XX/XX/XXXX, and ended up being XX/XX/XXXX. A normally 45-60 day process took us over 4 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

My real estate agent just recently pulled my credit report and I came across alot of accounts that dont belong to me. I never applied for these accounts, I have no idea who stole my credit but i am in desperate need of removing these fraudulent accounts from my credit report.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
Account name XXXX XXXX XXXX XXXX Account number XXXX In accordance with the Fair Credit report Act, Public Law 91-506, Title VI Section 611, please provide the names and business addresses of each individual with whom you have verified the above so I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written a letter and asked Transunion and XXXX  multiple times to show me prof of my signature, picture, or any proof that I had consent on the hard inquiries on my credit report. Every time they replied they couldnt show me proof of any signatures indicating that it was me that made the inquiries. By law they are supposed to remove all inquiries if they cant provide proof. They are hurting my credit score by not removing the inquiries since they dont have any proof. I have three unauthorized inquiries that I dont recognize from both companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and these accounts were fraudulently opened in my name. 

XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Deceptive and unclear information being provided by representatives. Spoke with them various times to clarify my questions via chat and telephone and yet i found fees that never were clarified.incredible how low they have taken the conaumer. Will go into collections now after trying to be a good customer.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address Equifax 's failure to properly investigate and resolve fraudulent items on my consumer report in accordance with the Fair Credit Reporting Act ( FCRA ). Despite submitting all necessary documentation, including an FTC Identity Theft Affidavit # XXXX, Equifax reinstated fraudulent accounts without providing a valid reason. 

These fraudulent accounts consist of a loan opened at XXXX on XX/XX/XXXX under the account number XXXX, a loan opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under th account number XXXX, a credit card opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and credit card opened at XXXX XXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX. 

Equifax has also failed to process my disputes under FCRA 605B and has not disclosed their method of investigation as required by FCRA 611 ( 15 U.S.C. 16811 ). I demand the immediate removal of these items within four days of receipt of this complaint to ensure compliance with federal regulations. l 've attached all required documents for you to properly process my request in accordance with FCRA 605B.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX bank/XXXX  is showing an open account on my experian with incorrect balances and wrong dates.
Product: Debt collection

I sent letter to pay for delete, this is on going first I contacted XXXX XXXX XXXX XXXXXXXX they are no longer owned by XXXX XXXX. XXXX XXXX stated the debt was in the hands of professional debt management. I contacted professional debt management XXXX XXXX the president or whomever he is to the company stated in order to delete file from credit report, he needed to get approval from the Client, the client XXXX XXXX XXXX VP of operations stated they no longer owned the debt. Now the client has been sent the settlement letter of unfair practice because XXXX XXXX does not need approval from the Client to remove from file.
Product: Checking or savings account

The morning of XXXX  the XXXX I called my bank chime inc to request a new card. I called the number XXXX XXXX XXXX XXXX at XXXX outgoing call and they called me back at XXXX and I was under the impression that I was talking to the bank, and I was not I was talking to a scammer. They informed me they were real. They wasnt going to take my money. They were chime. Informed me multiple times after telling me I could trust them. I then downloaded an app. They told me that It was protocol to verify my identity for chime. I then proceeded to download the app XXXX  XXXX XXXX. they then proceeded to tell me to send money through my checking and savings account to verify I was real while I was on the phone the whole time they were taking my money. The man on the phone was still saying he could be trusted. I sent the money forcefully not knowing it wasnt my bank. It was a security breach through chime. I called my bank and my bank called me back. I was under the impression the whole time I was talking to my bank and when my money was gone in all accounts checking savings and credit builder. He hung up the phone. I then called back immediately and the number was disconnected. I was very very upset. I cried and cried. I had no other options. I just got paid my paycheck the day before. All of my money missing. XXXX in every account. I called chime begging and pleading to dispute my charges and please please help me. I have a family to feed and babies to take care of. They told me there was nothing they could do. It was all my fault. I sent the money. They couldnt dispute my charges and nor did they want too no one could help me get my money back. I then had to go take a title loan out to be able to survive the next XXXX weeks without any money for me or my children. I could only get a small loan with a XXXX percent interest rate. All because I had got scammed. I called the police right after and made a police report. I will add that below. I contacted chime and those emails will also be below. I made a police report and a chime fraud report and still couldnt get my money back. I have yet to get any money or any help through chime. I then saw the news article about chime inc being found guilty of illegally forcing consumers to waive their legal right and failing to provide security to consumers. As a result chime is required to refund affected consumers XXXX XXXX dollars to CFPBs victims relief fund. I am a victim of this crime and I will do everything in my power to get my hard working money back for me and my childrens sake.
Product: Credit reporting or other personal consumer reports

The unverified accounts listed below continue to report on my credit report in violation of federal law. The sent a letter to the 3 credit bureaus but I never received a response from it. This accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

CAPITAL ONE AUTO FINANCE REPOSSESSED MY VEHICLE, WHEN THE PAYMENT WAS NOT LATE. THE PAYMENTS WERE MADE ON TIME. I WAS IN AN AUTO ACCIDENT, AND MY VEHICLE WAS AT THE TOW YARD. I HAD AN AGREEMENT, WITH THE TOW YARD, TO STORE MY VEHICLE THERE, UNTIL I WAS ABLE TO HAVE MY VEHICLE REPAIRED. I WAS MAKING PAYMENTS, TO THE TOWING COMPANY, AT XXXX DOLLARS A DAY, IN ORDER TO HOLD MY VEHICLE THERE. CAPITAL ONE AUTO FINANCE REPOSSESSED MY VEHICLE, FROM THE TOW YARD, WHEN I HAD ON-TIME PAYMENTS. THERE WAS NOT A REASON, FOR CAPITAL ONE AUTO TO REPOSSESS MY VEHICLE. THE TOWING COMPANY WAS NOT GOING TO SELL MY VEHICLE.
Product: Credit reporting or other personal consumer reports

I'm writing this to report the late payment markings on my report. It shows multiple late payments which I do not remember that I have paid late on the stated months. 
Please remove the following late payments from my report. 

You are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked that my fraud alert be removed as it has prevented me from using my personal credit in both a personal and business transaction, yet to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute regards an open collections account on my Transunion credit report - an account that is not mine. I have no records of having a credit card with XXXX XXXX XXXX, the original creditor. In XX/XX/2017, I disputed ( via CFPB ) a closed account noted on my Transunion credit report under " XXXX XXXX XXXX. '' It was removed from my credit report. This particular dispute is in reference to the still open collections account, XXXX XXXX ( for  {$700.00} ). XXXX XXXX XXXX had sold the account to a collection agency, XXXX XXXX, and this information remains on my credit report. Again, I have no records of ever opening or owning the credit card from which this collection sprang. Therefore, the XXXX XXXX collection is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$5400.00}
Product: Credit reporting

There is a legal item on the Equifax credit report dated XXXX XXXX, 2010. It indicates legal item of {$1200.00} - Case number XXXX - Satisfied. 

This item should be removed completely from my credit record.