23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I found out the XXXX hard inquiries on my credit. I need help to deal with these inquiries. I am concerned somebody theft my identity.
Product: Debt collection

Westlake Financial took a closed account # XXXX, that was also charged off, then re-opened it on XX/XX/XXXX. They re-aged the account that was delinquent XX/XX/XXXX, then falsely re-opened it, showing the account was never delinquent. The 7 year statute clock that was supposed to end XX/XX/XXXX, has now been re-started as indicated by my credit report from XXXX.
Product: Mortgage

I began the mortgage refinance process with Amerisave on XX/XX/XXXX. After multiple requests for additional documents and two closing dates rescheduled due to Amerisave 's lack of paperwork to the title agent, I finally closed the refinance on XX/XX/XXXX. The Closing Disclosure issued at this closing still had the {$670.00} prepaid cost for the appraisal in the incorrect column, showing " Borrower-Paid at Closing '' when it should have been in the " Borrower-Paid Before Closing ''. I did not want to delay the refinance any further, and Amerisave Loan Originator XXXX XXXX assured me this was an easy fix after the closing ; the {$670.00} prepaid Appraisal Fee would be reimbursed to me in a separate transaction since it would not be in the " cash to close to borrower '' disbursement from the XX/XX/XXXX closing. 

A revised Closing Disclosure was issued by Amerisave on XX/XX/XXXX with the prepaids in the correct columns, and I assumed a check would be coming in the mail. 

Several more emails and voicemails were sent to XXXX XXXX asking for an update, or for another person to contact regarding the {$670.00} reimbursement for the appraisal. A response from XXXX XXXX on XX/XX/XXXX indicated he " sent my emails over to management as well as all parties involved in the closing will update you soon as I am able and will get you a point of contact with someone else besides me so you can speak with someone in another department as well. Be in touch soon! ". 

An email was sent to me on XX/XX/XXXX by XXXX XXXX of XXXX, the closing company, asking for signatures on another Closing Disclosure form, showing the prepaid appraisal in the correct column. The email stated " Lender needs this final CD signed. '' The Closing Disclosure was signed and returned on XX/XX/XXXX. Again, I assumed this would trigger a refund of the prepaid {$670.00}. 

I sent an email to XXXX on XX/XX/XXXX asking if there was any progress on the money owed to me. No response. 

Today is XX/XX/XXXX and I still have not received the {$670.00}.
Product: Mortgage

GOOD MORNING, I AM IN THE PROCESS OF APPLYING FOR A SECOND MORTGAGE LOAN. ON XX/XX/2016, MY FIRST HOUSE WAS TOTALLY LOST FROM A FIRE. I PAID THE BALANCE OF MY MORTGAGE OFF FROM THE INSURANCE MONEY. I NEED THE CLOSING DISCLOSURE DOCUMENT FROM MY HOME, BUT US BANK HOME MORTGAGE STATED, DUE TO MY PERSONAL INFORMATION IS IN ARCHIVE, THEY ARE UNABLE TO HELP ME, THEY STATED THEY WOULD NEED THE MORTGAGE ACCOUNT NUMBER. WELL, EVERYTHING I OWNED, BURNED IN THE FIRE, INCLUDING MY MORTGAGE PAPERS. I FEEL US BANK SHOULD BE ABLE TO GET ME WHAT I DESERVE. IF I STOPPED MAKING MORTGAGE PAYMENTS, THEY WOULD HAVE THE ACCOUNT NUMBER TO SUE ME. I PAID THE HOME OFF, SO THEY SHOULD HAVE THAT INFORMATION REDIATLY AT HAND TOO.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX & XXXX XXXX XXXX are continuing to report negative with a balance on an account that was included in my discharged Chapter XXXX Bankruptcy DOCKET XXXX. 
It even shows on my report it is in bankruptcy but they are in clear violation of the Bankruptcy courts. I have disputed it and they claim it is valid & XXXX sent results showing valid so they are in violation. It is absolutely not valid and I have contacted my Bankruptcy attorney and I will be taking legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint with Navy Federal Credit union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagging posting of charges and credits. This issue aligns with the CFPB finding against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds i believe these practices are unfair and request an investigation in to my account transactions.
Product: Checking or savings account

Zelle allowed me to send money erroneously to the wrong recipient.
Product: Debt collection

Wilber and Associates called and harassed me for many years. XXXX XXXX was one of the representatives that has used illegal, unethical and cruel tactics on my file. This was a fraudulent claim that has been proven by the court system to be so. This agency has closed the file and there is a cease and desist on this file as well. They shared information about my file to an outside agency called XXXX when they were not supposed to and gave false information to this agency that may ultimately lead to legal action in the coming weeks. All I asked for was a letter stating my file was closed and they are refusing to admit that they already sent a letter in. My file is closed and there I am entitled to the truth and verification of this fact. This is a fraudulent claim I was not convicted of which can be proven by the court system.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  are reporting incorrectly on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account is reporting a balance due of {$8900.00}. The vehicle was sold at auction and sold for more than the balance due and owing and therefore this account should be reporting a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Car loan from JPmorgan chase. They are in correctly reporting a missed payment on XX/XX/2017. Account was on automatic payment. Was told by representative they would fix it 3 years later it has not been corrected. 
Representative has not returned phone call in 3 months. This " late " payment is effective my life. 

Also FICO has not been reporting proper score neither has XXXX. I have reached out to both companies to correct mistake they say they will but do not. 

XXXX XXXX XXXX has opening a collection on a account that was fraudulent create m XXXX has not remove it after submitting paperwork. 

Please help
Product: Credit reporting or other personal consumer reports

I am writing in regards to a recent notification on my credit report. The information reported are erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report are incorrect.XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX, XXXX XXXX Balance XXXX {$0.00}.
Product: Credit reporting or other personal consumer reports

This account was sold to XXXX XXXX XXXX without my knowledge and in according to the FCRA Is no longer my responsibility since they have filed insurance claim on the account and then sold it
Product: Credit reporting, credit repair services, or other personal consumer reports

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, AND A ACCOUNT THAT SAY CHARGE OFF THAT IS NOT ACCURATE
Product: Credit reporting or other personal consumer reports

I am disputing the reinsertion of two accounts on my credit report : XXXX XXXXXXXX ( Account # : XXXX ) and XXXX XXXX ( Account # : XXXX ). These accounts were reinserted without proper notification, in direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which requires written notification within five business days of reinsertion. I did not receive any such notification, constituting a clear violation of my rights under the Fair Credit Reporting Act. Additionally, under 15 U.S.C. 1681e ( b ), all reported information must meet the standard of maximum possible accuracy. These accounts fail to meet this standard, causing substantial inaccuracies in my credit report. Moreover, they do not meet the requirements for a permissible purpose as outlined under 15 U.S.C. 1681b. These oversights reflect a failure to maintain compliance with federal regulations. Non-compliance with the FCRA is a serious matter. Even non-willful violations may result in damages, and Experian could be held liable for at least {$1000.00} per violation. This issue has caused significant distress and financial harm. I hereby demand the immediate removal of these accounts from my credit report to prevent further damage. Furthermore, I request a detailed explanation of the reinsertion process, including the sources of verification used to justify this action.
Product: Money transfer, virtual currency, or money service

XXXX senior citizen transferred XXXX by moneygram XXXX XXXX, 2022. In transit status never arrived. 8 days now. Won't reply emails customer service just says investigating, all the money I have. Verified with recipient bank never arrived. Refuse to refund. No way to pay mortgage, eat, or buy XXXX medicine. Say they they have 90 days to resolve but won't tell me progress. It's fraud
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I placed orders to buy XXXX. Approximately XXXX XXXX dollars worth. The company, Gemini, purchased the XXXX for my account. On XX/XX/XXXX I logged into my Gemini account and my account was frozen. I attempted to contact Gemini but no response. The only way to contact them is through email, period. They have absolutely no other means. I looked into the transaction history and notice that the funds used to purchase the XXXX had been return to my bank but the XXXX still remained in my account it was not sold. I immediately tried contacting Gemini to get an answer or understanding of what happened. If it was a banking issue by my bank or some other issue, I wanted to resolve the problem right away. After, numerous of attempts over days and weeks I received not one response. So, to be honest, I left it alone and forgot about it. There was nothing else more I could do. Then, in XXXX of XXXX, I received an email from the company requesting to vote on Bankruptcy decision that was on going with a company Gemini had a partnership with. I was able to place my vote but the account was still frozen. I was extremely surprised to see that my account was still opened and still had the XXXX purchased in XXXX of XXXX. I assumed for sure that the XXXX had been sold and the closed. But no, this company had held the XXXX in my name for all this time. But not allowing me access or notification. In my opinion, to me that's pure fraud. After this email about the vote I attempted again to contact Gemini to get an explanation of why the XXXX is still in my name but can't access it with the account still being frozen. No response again. Then approximately in the middle of XX/XX/XXXX. I received any email that I had 24 hours to deposit by wire the original cost of the XXXX purchased on XXXX of XXXX. I attempted to do just that but I couldn't because the account is frozen, Again, I tried emailing them again explaining I can't wire because the account being frozen and if they could unfreeze so I could fulfill what they are requesting. No response again. They next day Gemini sold a portion of the XXXX to cover the original cost of the purchase. Once again, I began emailing everyday to get answer for all that was going on and to unfreeze my account. Because it was obvious that the original purchase of XXXX was never reversed and that the XXXX purchased was still real and in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reached out to Transunion to add a fraud alert on my credit report due to the following reasons Unauthorized Credit Inquiry ( s ) I am XXXX them to inform that the hard inquiries were not authorized by me and I wish to have them deleted. Some person or persons within their consumer reporting agency has knowingly and willfully provided information about me to a third party not authorized to receive such information, all in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C.1681. My information is that the unauthorized recipient of this information is XXXX. 

Since I never gave permission for anyone to inquire about my Credit Status, they are unauthorized. Furthermore, their continued existence on my Credit Report represents inaccurate information, which under the Fair Credit Reporting Act, must be removed. 

XXXX XXXX Inquiry Date XXXX/XXXX/XXXX XXXX  Inquiry Date XXXX/XXXX/XXXX XXXX XXXX XXXX Date XXXX/XXXX/XXXX XXXX Inquiry Date XXXX/XXXX/XXXX XXXX Inquiry Date XXXX/XXXX/XXXX XXXX Inquiry Date XXXX/XXXX/XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX XXXX  XXXX Inquiry Date XXXX/XXXX/XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX As I am sure you are aware, Section 1681 ( r ) of the FCRA prohibits such acts and provides for the following sanctions : Any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agency 's files to a person not authorized to receive that information shall be fined under title 18, United States Code, imprisoned for not more than 2 years, or both. 

This letter shall further serve as demand that your agency thoroughly investigate this matter and provide me the result of your investigation forthwith. Moreover, I expect your agency to immediately cease all such communications to unauthorized third parties.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding Equifaxs failure to properly investigate and correct fraudulent and misrepresented accounts in my credit report. Despite multiple disputes and supporting documentation proving the inaccuracies, Equifax has refused to correct these errors, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). 

Disputed Accounts : XXXX Accounts : These accounts were deemed fraudulent and misrepresented by the Department of Education and were discharged under the Borrower Defense program . Despite this, Equifax continues to report these accounts as active with outstanding balances, which is incorrect and misleading. These accounts do not exist on my XXXX profile, yet they remain on my credit report, negatively impacting my financial standing.

U.S. Department of Education Account : This account reflects an incorrect balance despite my full discharge under the Borrower Defense program. While I request that the payment history remain intact, the balance must be updated to {$0.00}, and the account status must reflect Satisfied to reflect the accurate status of my loans.

Legal Violations & Equifaxs Failure to Comply Under the FCRA, credit reporting agencies are required to accurately report consumer data and correct errors upon dispute.

I have submitted multiple disputes with official documentation proving my loans have been discharged, yet Equifax has failed to make the appropriate updates, constituting willful noncompliance. 
By continuing to report incorrect balances and fraudulent accounts, Equifax is actively harming my creditworthiness and violating my consumer rights. 

I have attached official documentation from the Department of Education and my credit reports reflecting these inaccuracies. Equifaxs failure to address these errors is unlawful, and I demand immediate action to ensure my credit report reflects the correct and verified information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to authorize nor benefit of of the student account and inquires in my consumer report. As a FEDERALLY PROTECTED consumer, a Natural person and a private individual, I demanded them to remove them from my consumer credit report IMMEDIATELY because their reporting is a violation of my rights pursuant to Title 15 Chapter 41. Pursuant to 1681a, I have the RIGHT to DEMAND that such information NOT be communicated/reported.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I sent a wire transfer to a XXXX in XXXX. We waited for 15 days but the transfer wasn't going through without any explanations from the bank as to why. Now, as of two days to this date, my wife and I noticed on our bank account that the majority of money was returned to us but now its short {$3900.00} This is unacceptable and a baking institution of this magnitude should be be able to facilitate this matter not complicate and steal our rightful money. We expect the difference to be returned ASAP or else this will be a legal matter were the amount in question will turn significantly more. I suggest TD bank does its job how its supposed to so we can all keep on going with our lives. Thank you for your time. 

Confirmation code of transfer : XXXX Investigation Case # : XXXX OR XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Experian XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Demand for Immediate Removal of Charge Off and Violation of 15 USC 1611 Dear Sir/Madam, I am writing to dispute information in my credit report that I believe resulted from identity theft, as per my rights under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2. 

The following information is not related to any transaction or activity performed by me : Experian XXXX XXXX - XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XX/XX/XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - According to federal law 15 U.S. Code 1681c2 - Block of information resulting from identity theft : ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of This is a clear violation as I requested that these items be blocked from my credit report in accordance with my rights under the aforementioned law in a letter that reached you earlier this month : XXXX - Tracking Number XXXX - Delivered XX/XX/XXXX Experian - Tracking Number XXXX - Delivered XX/XX/XXXX, XXXXXXXX XXXX XXXX - XXXX Number XXXX - Delivered XX/XX/XXXX XXXXXXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Attached to these letters were copies of the following documents : 1. Proof of my identity [ describe the document you're using as proof of identity, such as a driver 's license or passport ] 2. A copy of the identity theft report, ( I have a Federal Trade Commission Identity Theft Report and/or a police report ) 3. A statement explicitly declaring that the disputed information does not relate to any transaction or activity performed by me. 

I respectfully request that you act promptly on this matter, as the law requires you to block the reporting of this information no later than four business days after the receipt of these documents. 

Please send me a written confirmation that you have blocked this information from appearing on my credit report.Thank you for your prompt attention to this serious matter.
Product: Vehicle loan or lease

Santander has a charge-off account on my credit file and the balance keep rising. The account was opened X/2012. The amount is {$23000.00} account number XXXX. It is having a negative effect on my credit as they keep adding charges even though they say the account is a profit loss writeoff.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my 2nd letters off to TransUnion, XXXX, XXXX on Monday XXXX XX/XX/2022. Here is my tracking number XXXX # XXXX, Transunion # XXXX, XXXX # XXXX. I told the credit bureaus to " investigate every piece of informaton '' on the accounts I listed. 

According to the FRCA. The term '' investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others whom with whom he is acquainted or who may have knowledge concerning any such items of information. 

Attached is the letters I sent out in " Good Faith ''. 
Also to remove all information that was not 100 % accurate. According to the fair credit reporting act 15 USC 1681. I have the right to privacy and everything has to be 100 % accurate. Also according to 15 USC 6802. NO financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.