23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX, you are report the Dispute status as "Not in Dispute" on my credit report.  

My student loans have been in dispute for over a year.  I have sent numerous disputes in writing, online, and through CFPB to XXXX, XXXX, XXXX, and Equifax.  

 I have been submitting complaints and disputes through the CFPB for last three months.  I think this account is under dispute!!!

Change this to Under dispute.

I am not going to stop until this is solved.

This account is in dispute!  Here are the CFPB complaint numbers. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Someone made a fake check ( not even my checks or check number ) for almost XXXX and the bank cashed their check taking the money out of my account. The person that made the fake check didn't even sign my name to the check, but someone not even listed as an account holder. 

The bank after I notified them said that I needed to submit an notarized account of what happened and they would return the money they LET because of their incompetency steal from my account that same day. I sent them said form notarized and they received it as they emailed me back stating so. I also talked to the fraud department XXXX times and was assured that the money would be in my account. 

It has been since last week and is still not in my account. When I call and leave messages as I was instructed to do by the fraud dept. for help, no one answers or calls me back. 

I want my money back as it is CLEAR that someone from their bank stole this money from me using my information. There is no way anyone outside the bank would know that they could cash that large of a check against my account! Also the bank cashed the check and didn't even look at who signed it on the face and that it wasn't even an account holders name! Nor was it my checks!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries I do not recognize by these companies on the dates as follows : XXXX XXXX XXXX XXXX XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX, XX/XX/XXXX
Product: Debt collection

H & R Accounts ( XXXX ) has placed a medical collection on my credit report for XXXX. It says that the original creditor was XXXX XXXX. The first problem is that I do not believe this is my account or debt. I have attempted to dispute this information with the credit bureaus twice now. Each time the dispute is resolved within 5 days and marked as accurate and meets FCRA requirements. The first dispute was submitted on XX/XX/19 very soon after it was reported to the bureaus. It was resolved on the XX/XX/19. I was never sent any documents verifying the account was mine. I have submitted another dispute on XX/XX/19 and have already been notified it was resolved with the same results and no verification documents. XXXX, XXXX, and XXXX  have not done sufficient investigating in either dispute and H & R Accounts has made no attempt to verify the information, validate any documents, or send any billing information. I know for a fact this account is either not mine and reported inaccurately or the original creditor XXXX XXXX has supplied them with the wrong information for the wrong person. I will be filing a lawsuit if the CFPB can not resolve my complaint with accurate verification. I can not supply any supporting documents because there are no documents, the account is false and not mine.
Product: Credit reporting or other personal consumer reports

I was notified by my credit reporting agency Trans Union on XX/XX/year> that my credit score had been impacted by a credit inquiry from XXXX XXXX. This inquiry appears on my credit report with no prior knowledge of or a request for a loan or credit card application processed. I had previously been alerted to possible identity theft with several other banks reporting notices via mail that attempts to open accounts of credit had occurred. 

At the time of those notices I placed a formal fraud alert on my credit report which was to alert all other reporting agencies of possible identity theft and was instructed by phone if any further attempt to open accounts would now require personal verification by myself. This alert had been in place since XX/XX/year> and was already established during this credit inquiry which occurred on XX/XX/year>. 

After receiving this alert from Trans Union regarding the credit inquiry on XX/XX/year> I took further protection steps to ensure no further identity theft could occur. I placed a full credit freeze on my account and opened a full investigation into this matter. Trans union requested a formal cover letter requesting the fraudulent credit inquiry on XX/XX/year> from XXXX XXXX be removed from my credit report and this form with personal information, file number and 2 forms of govermental ID be provided to further complete the investigation. 

On XXXX/XXXX/204 I contacted XXXX XXXX directly by phone to inform them of possible identity theft and requested further information regarding the credit inquiry that occurred on XX/XX/year>. XXXX XXXX required full social security number information to process this request which I refused to provide due to threat of ongoing identity theft. XXXX XXXX stated without full social security number identification they can provide no further help and to pursue all further inquiries through a credit reporting buero which will investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit report there are multiple inaccuracies from this company like date last paid, balance, recent payment history, status, and even date opened. My main concern however is that I was NEVER late on this account I have reached out not only to this company directly but to the credit agency as well with no response I have made consistent payments month after month and I would like to have these inaccuracies fixed as soon as possible as this has severely hurt my financial my standing. Please update the missing payments to current
Product: Mortgage

Ditech was negligible in providing me information. They overcharged me. Now, they are trying to steal my home!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a fraudulent charge on my account of {$140000.00}, {$210000.00}, {$27000.00}, {$7000.00}, {$15000.00}, {$20000.00}, {$2000.00}, {$7300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1.  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$140000.00} -This is not my account. 
2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$210000.00} -This is not my account. 
3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$27000.00} -This is not my account. 
4. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7000.00} -This is not my account. 
6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 
7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$22000.00} -This is not my account. 
8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 
XXXX XXXX  9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7300.00} -This is not my account.
Product: Credit card or prepaid card

On XX/XX/2022, Ashley Furniture XXXX SYNCB denied me assistance and explain any options I could use because I was experiencing financial hardship. Ashley Furniture XXXX / SYNCB are refusing to work with me while I'm going through this hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Trans Union multiple times and they stated they will Send my credit report a month and XXXX weeks ago. I called them 3 times and I still havent received anything from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update and correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update these immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On or about XX/XX/XXXX, Velocity Investments , LLC was sold this loan debt from XXXX XXXX XXXX XXXX Initially the debt was sent to XXXX XXXX whom I tried o work with and resolve by arrangements. I notified XXXX of this and subsequently ( between XXXX and XXXX ) received a some type of notification that Velocity Investments was involved. 

I sent a dispute based on a partial payment issued to the XXXX XXXX XXXX in XXXX, the original debtors. Upon notifying of this, I had not heard anything from Velocity Investments as to remit proof of the partial payment or anything until appr. XXXX of XXXX, a letter from an attorneys office, XXXX, XXXX XXXX XXXX. I sent the dispute based on the aforementioned information. Again no request for proof of payment was requested from me. 

In XXXX of XXXX, I received a notice of a court filing. I reached out to the attorneys office working for Velocity Investments, assignee of XXXX  XXXX XXXX talked to an attorney about the issues and was told to submit a " Circumstance & Request '' which I did by mail the same day. I responded to the court summons and a court date is set for XXXX XXXX, XXXX. I received in the mail on XX/XX/XXXX, a notice from another attorney, XXXX XXXX XXXX issued by Velocity Investments, XXXX XXXX and the assignee XXXX XXXX a debt collection letter for the same debt we are currently scheduled in court for. I believe this is in direct violation of Fair Debt Collection Practices Act and speaks volumes for what has been transpiring as it has been sought to resolve this debt.
Product: Money transfer, virtual currency, or money service

Several years ago I opened a coinbase account and bought XXXX bitcoin for about {$250.00} each I sold XXXX of the bitcoin and have XXXX left in the account. 

Due to an account violation on my part my account was suspended about 3 years ago, but the XXXX bitcoin remained in the account. 

In XXXX or XXXX of 2023 I noticed how much bitcoin was worth and figured it was about time to cash in my bitcoin. 

This turned into a real problem. It took almost a month for me to get access as it had been suspended, but once I had access I could check my account balance and the XXXX bitcoin was close to worth XXXX. I am on XXXX, for me that's a huge amount of money. It will come in real handy as my boyfriend is no longer employed and his state XXXX is running out and he had major XXXX XXXX a week ago so he needs to heal for a bit, which he can not do if there's no income so this bitcoin money is a gift from XXXX. 

In any event, I have XXXX bitcoin that I need to sell but the company is giving me the run around on emails. I have sent at least XXXX emails and none of them actually had an answer that showed mine had been read to begin with. 

My account with coinbase is locked. It won't let me take the money out as I get an error message stating this account is under review. 

Then coinbase sent me a message today stating they will close my account within 7 days if they don't hear from me. That email came from a do not reply mail box and I had no way to get in touch. It didn't refer to the original ticket number either. 

Help. My balance is currently worth {$68000.00}. I do not want to lose that money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally seeking proper guidance and assistance to secure that the information reported on my credit file is 100 % accurate. I recently received a copy of my credit report and feel that there is an item that is misleading and incomplete. Therefore, I request that you investigate these items. I would appreciate your immediate attention to this matter. I am looking forward to a positive response from you. 

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

I sent a letter to Equifax on XX/XX/2020 for them to correct inaccurate information on my credit report. I have yet to receive a response from them about the status of updating my credit report.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and seen a company called XXXX XXXX this account does not belong to me
Product: Credit reporting

With Equixax, I disputed an adverse report-charge off from XXXX for {$87.00}, as not being my account. Equixax states that they are not reporting this account in my file, but they are reporting it as of XX/XX/2017 in my Equixax credit report # XXXX. Also Equixax will not provide a contact number or any reasonable and viable way to contact them to resolve this dispute, necessitating this complaint. And, XXXX Consumer Credit Dept states that they have no record of this account. I want this report removed or written proof that it is mine, and what the purchase was, etc. Thank you for your assistance and attention.
Product: Mortgage

Carrington charged late fees to homeowners who sought forbearance under the CARES Act Carrington misinformed homeowners about forbearance and repayment options Carrington inaccurately reported borrowers ' forbearance status to credit reporting agencie
Product: Bank account or service

My father has deposited {$1000.00} to my SunTrust account to pay for my XXXX XXXX mortgage loan. As you can see with the evidence of check image print, deposit of {$1000.00} was made. However as you can see only {$200.00} was deposited on my account. 
As a result of this horrible incident, {$800.00} went missing and my mortgage payment has been past due. With evidences attached, I have been charged with multiple late charges and fees from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Act this creditor XXXX  XXXX has violated my rights under 15 USC 1681 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I do not want this information to continue affecting me because it is in my report in a negative way. I want it to be reviewed and eliminated now. 



XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I took out a loan with One Main Financial and paid it on time, I applied to have my home refinanced and part of the requirements of the loan was for me to pay off One Main Financial. I told the I would be paying the off and needed a pay of amount. on XXXX/XXXX/XXXX I received a letter from them ( attached ) with the payoff amount of XXXX for XXXX XXXX, XXXX and said there would be a interest amount of {$5.00} everyday after that. I paid {$8500.00} on XXXX XXXX, XXXX. They did n't tell me anything after that and I asked for a receipt or printout of what was paid. On the print out it said I owed them {$350.00} more with no explanation and the charged me a late fee win I was paying interest for everyday I was late. I will send attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the course of a year I have been unsuccessful even with valid documents getting the credit reporting agencies to block and remove fraudulent accounts as identity in USCS 15 1681C-2. XXXX does not abide by the FCRA Laws and are mis representing the laws as well as disregarding the Laws in removing fraudulent accounts, XXXX AND XXXX ARE USING THERE POLICY 'S AND PROCEDURE INSTEAD OF What's In THE LAWS STATES, I FILED SEVERAL COMPLAINS, WITH XXXX, XXXX NAMELY TO Block THESE FRAUD ACCOUNTS BUT WAS TOLD THAT MY POLICE REPORT AND IDENTITY THEFT AFFIDAVIT IS NOT VAILD AND I WAS REJECTED AID AND ASSISTANT BY BOTH REPORT AGENCIES. I ask that XXXX AND XXXX HAVE Stiff FINES AND PENALTIES Imposed AS IDENTITY BY THE FCRA LAWS I HAVE ATTACHED ALL EXHIBITS TO THIS COMPLAIN TO REFLECT THE SAME IT A XXXX XXXX THAT I HAVE TO GO THROUGH THIS WHEN ITS CLEARLY STATED BY LAWS PLEASE THAT I ASK THAT XXXX AND XXXX BE FINED INDEFINITELY PLEASE. Also tl not the only customer that's been done this way I'm not going for it at all.
Product: Credit reporting or other personal consumer reports

Ally Financial provided me with a truck loan, loan XXXX. Theyre incorrectly reporting me XXXX  days late for XX/XX/year> to XXXX and XXXX XXXX XXXX already got my dispute and correctly removed the XXXX  day late. What happened was for XX/XX/year> I made the payment on the XXXX day which was a Sunday, and since theyre closed on Sunday companies under proper credit reporting guidelines are supposed to give the payment until XXXX the following business day to post. My payment was not over XXXX  days late, it was made on the XXXX day, making it not over XXXX  days, which XXXX correctly reported. This incorrect XXXX  day late on XXXX and XXXX is causing me to not be about to close on a home mortgage for my family. Ive never paid XXXX  days late on any account on my life, and this error is harming me and my family severely. Ally Financial is incorrectly refusing to remove the XXXX  day late with XXXX And XXXX. XXXX attaching a copy of XXXX removal of the XXXX  day later from XX/XX/year> reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX XXXX at the end of XX/XX/2019 about when are they I'm going to report my auto loan to report to the credit agencies and KIA told me that there will report every three months, because I'm not current on paying my auto loan. That is not correct I pay every 25 days. I even pay the late fees just because of my payment schedule. As long as I am not 30 days past due this should not be an issue. The person I spoke with at XXXX XXXX very rude and disrespectful and hung up on me. How nice since I paid over 13 % interest. The car is almost paid off. On eight {$22000.00} dollars car i'll end up paying over {$44000.00}. And they can't even be nice. All I ask is for them to report every month like everyone else. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I filed a fraud claim with Bank of America on XX/XX/year> totaling {$16000.00}. My debit card and personal information was stolen and being used without my consent. The unauthorized charges included in my claim were reported to this bank as soon as possible. I was informed these charges were charges that would be protected under XXXX XXXX They were online non card present unauthorized transactions. All my money was used up. I was told that the bank would conduct a thorough investigation and reach out to these merchants to find answers. I was told I would be provided a provisional credit totaling the amount of my claim within XXXX business days if the investigation goes unresolved. I was told it would most likely go unresolved in that time frame because of the time it usually took to gather certain information from merchants and such. My claim was closed on XX/XX/year> or the XXXX business day, and I was sent an auto generated letter stating that the transactions on my claim were authorized by me. I called Bank of America demanding proof of this along with a faxed complaint, and was not provided it. My claim was immediately reopened after demanding proof of an investigation. Clearly it wasnt actually resolved. On the XXXX business day, which is today, XX/XX/year>, I was not provided my provisional credit by Bank of America that am entitled to by law. Bank of America is in direct violation of my rights and XXXX  XXXX XXXX is next week, and I can not even spend a dollar because Bank of America refused to abide by the law and protect consumers. I was lied to by XXXX Bank of America XXXX and again had my rights violated and ignored. This is completely unfair and unjust.
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 accounts 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 Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

CFPB Complaint Against Experian Filing Date : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Failure to Conduct a Manual Review of Dispute as Requested Use of E-Oscar System Summary of Issue : On XX/XX/year>, I filed a dispute with Experian regarding inaccurate information on my credit report. I explicitly requested a manual review of the disputed information due to the complexity of the inaccuracies and submitted highlighted copies of my credit report with the incorrect information clearly marked. However, XXXX processed my dispute through the E-Oscar system rather than conducting the manual review I requested, which violates my right to a proper investigation. The response I received from Experian was unsatisfactory, vague, and did not address the specific questions I raised. 
Experian Response : Experian used the E-Oscar system to electronically send a notification of my dispute, including a summary of relevant information, to the furnisher of the disputed information. In their response, Experian stated : THE FURNISHER REVIEWS THE INFORMATION PROVIDED, CONDUCTS AN INVESTIGATION WITH RESPECT TO THE DISPUTED INFORMATION, AND REPORTS THE RESULTS BACK TO US ELECTRONICALLY ... Experian MAY USE A BUSINESS VENDOR TO OBTAIN THE MOST RECENT FILING FROM THE PUBLIC RECORD SOURCE. 
This response failed to address my specific request for a manual review, and Experian provided a generic response about their standard procedures rather than directly answering the questions I posed.