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

My second mortgage with XXXX XXXX XXXX was charged off XX/XX/XXXX. At that time we agreed to a settlement amount of {$25000.00} with a initial down payment of {$10000.00} with a monthly payment of {$310.00} to be withdrawn directly from our XXXX  XXXX XXXX account on the XXXX of every month. We have been making this payment since XXXX and have NEVER been late. I checked my XXXX   account and it shows that there is a XXXX  XXXX XXXX charge off listed with an amount of {$75000.00} with a balance of {$47000.00}. It also shows on our credit report that we have been listed as FP failed to pay for XXXX, XXXX, XXXX, XXXX and XXXX of XXXX and FP for XXXX, XXXX and XXXX of XXXX. We have bank statements and the original settlement agreement with XXXX XXXX XXXX that prove we have NEVER failed to pay the agreed amount. The XX/XX/XXXX FP failed to pay report lowered our credit score 11 points, right at the time we are trying to refi our current mortgage. We would like the FP failed to pay be removed from all credit reports for all months starting in XXXX up to XX/XX/XXXX and for XXXX  XXXX XXXX to show the settlement amount and the balance.
Product: Vehicle loan or lease

I am a victum of identity theft and inaccurate information. After reviewing my credit report with Experian, I noticed a fraudulent account being reported, XXXX XXXX XXXX and in several inquires from unauthorized sources, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. This is an issue of material fact and there is no doubt the information is insucient and is genuine of the material fact, and must be resolved against Experian. XXXXXXXX XXXX XXXXXXXX XXXX, XXXX. XXXX XXXX ( XXXX XXXX ). Please remove these items. Congress inacted the CFRA to protect consumers insuring fair and accurate credit reporting 15 USC 1681s-2 ( a ) ( 1 ). Entities that report information about consumers to the CFRAs are called data furnishers and are not furnished information realted to consumer if the person knows and has responsable cause to believe the information is inaccurate ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding the initial attempt to remove fraudulent items from my credit report. Recently, I discovered fraudulent activity on my credit report, including unauthorized accounts and transactions that were opened and conducted without my knowledge or consent. These fraudulent items are severely impacting my creditworthiness and financial standing, and I took immediate action to address them by reporting the fraud to the relevant credit reporting agencies. Despite my prompt reporting of the fraudulent activity and submission of all required documentation, including police reports and affidavits, the credit reporting agencies failed to take appropriate action to remove these fraudulent items from my creditreport during the initial attempt. This failure to promptly address the fraudulent activity on my credit report has resulted in significant financial and emotional distress. I have been denied credit opportunities and have incurred additional expenses as a result of the fraudulent accounts and transactions appearing on my credit report. I request that you intervene to ensure that the credit reporting agencies fulfill their obligations under the Fair Credit Reporting Act ( FCRA ) and promptly remove these fraudulent items from my credit report. Additionally, I request appropriate restitution for any damages suffered as a result of the credit reporting agencies ' failure to address this issue in a timely and satisfactory manner. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$20000.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$770.00} XXXX XXXXXXXX Balance : {$5600.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$750.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX  XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$770.00} XXXX XXXXXXXX Balance : {$5600.00}.
Product: Money transfer, virtual currency, or money service

Its been almost a year Ive been trying to withdraw my funds from XXXX XXXX account but I continue to get an error message that says Sorry theres a slight delay on our side. Please review pending transactions etc & no pending transactions are ever shown. I cant close my account without withdrawing. I have called several times since XXXX of XXXX  and support is not helpful places me on XXXX minute hold and then tells me to look out for an email, which I have never received. Ive called support over XXXX times in less than 6 months. No answers. My active investing account is just sitting there with {$89.00} that I need access to as I am the one who deposited XXXX XXXX ago! This is absolutely ridiculous & unacceptable from any bank/financial exchange. Ive never had to deal with such terrible customer support until XXXX. I have submitted a complaint XXXX XXXX ago and still having trouble closing my account.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I have disputed several accounts with the Credit Report agencies.

The Credit Report Agencies are Violating my rights as a Consumer under the Federal Trade Commission Act ( FTC ) and The Fair Credit Repoerting Act ( FCRA ) According to Title 15 United States Code Session 6801 Financial Institutions are required to protect the privacy of consumers personal financial information.

Financial Institutions must give their customers the right to Opt OUT of having their Information shared with Non-Affiliated third parties. Prohibiting the disclosure of nonpublic personal information about consumers to Non-Affiliated third parties without consumers Verbal or Written Concent.

The Gramm Leach Bliley Act States Non-Affiliated third parties are external organizations or individuals that are not part of the same corporate family or group of the financial Institutions. 

I did not give the following financial Institutions Verbal or Written Concent to disclose my nonpublic personal information to Non-Affiliated third parties : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX  These Financial Institutions have broken the law and as a law abiding citizen I would like these accounts removed from my consumer credit reports immediately.
Product: Credit card or prepaid card

Unauthorized inquiries that have been listed on my credit report. 
Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mother in law passed away in 2014 before her passing she filed XXXX  XXXX bankruptcy which was discharged and included her home. My husband did not want to lose his childhood home so he was advised by the mortgage company at that time he could assume the debt of the home and be able live in the home. His name and my name were added to the deed and we obtained an attorney to do this. At the time of assumption we were advised the loan would not be in our names and not be on credit reports however they lied. We fought about that with the previous mortgage owner but they said there is nothing they can do. The home was and still under water when we assumed the loan. The home is in forebearance due to covid and decrease in my husbands income. I truly believe the bankruptcy amount that was discharged should have never and still should not be our debt. The debt we should be paying is the forebears ces debt only.
Product: Mortgage

I originally had XXXX XXXX as my mortgage company and I was on a forebearance with them because I was struggling in paying my mortgage every month so as of XX/XX/2023 XXXX XXXX  sold my mortgage to Get Sit Solutions. Around the second or third week of XXXX Get Sit Solutions contacted me to let me know that they took over my mortgage from XXXX XXXX  and I mentioned to them that I was on a forebearance plan and was I able to continue to be on the forebearance plan and I was told no because they did not offer it.
Product: Credit reporting or other personal consumer reports

Subject : Disputed Account Removal and Verification of Debt Request for Deletion from Credit Report To : All Credit Bureaus ( XXXX, Equifax, XXXX ) I am writing to notify you that I recently disputed two charge-off accounts listed under my name with XXXX XXXX XXXX on my XXXX credit report. After the dispute process, XXXX completed its investigation on XX/XX/year>, and completely deleted the accounts from my XXXX report. 

The disputed accounts in question were for the following amounts : {$590.00} account : XXXX {$760.00} account : XXXX As per the Fair Credit Reporting Act ( FCRA ), specifically Section 611, I am entitled to request the removal of any unverifiable or incorrect information from my credit report. Since XXXX has completely removed these charge-off accounts due to their inability to verify the debt, I believe it is in violation of consumer protection laws for these same unverifiable accounts to remain on my records with your agency. 

Given that XXXX has deleted these accounts due to their inability to verify the debt, I request that you conduct a thorough investigation into the matter and remove these unverifiable accounts from my credit report within 30 days or less. The Fair Credit Reporting Act ( FCRA ) mandates that you correct or delete any unverifiable information within a reasonable time frame. Failure to comply with this request could result in legal actions. 

I would also like to remind you of the following legal protections under the FCRA : Section 611 of the FCRA : If any information is disputed by the consumer, the credit reporting agency must investigate the claim and, if the information can not be verified, must remove it from the consumers report within 30 days.

Section 616 and 617 of the FCRA : If you willfully or negligently fail to comply with the requirements of the FCRA, I am entitled to pursue legal action, which may include suing for damages, as well as seeking statutory damages of up to {$1000.00} for willful violations.

Section 605 of the FCRA : The removal of unverifiable debt is not only a right but a requirement. If information is found to be inaccurate or unverifiable, it must be deleted promptly. 

Therefore, I respectfully request that you remove the two charge-off accounts from my credit report within 30 days due to their unverifiable nature. Should these accounts not be removed in the required timeframe, I will not hesitate to take legal action and will explore all available options to protect my rights under federal law. 

Please confirm the removal of these accounts in writing or by updating my credit report as soon as the investigation is complete. 

Thank you for your prompt attention to this matter. I look forward to your swift response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX. XXXX {$7500.00} XXXX. XXXX XXXX {$24000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Rule 46. Objecting to a Ruling or Order Primary tabs A formal exception to a ruling or order is unnecessary. When the ruling or order is requested or made, a party need only state the action that it wants the court to take or objects to, along with the grounds for the request or objection. Failing to object does not prejudice a party who had no opportunity to do so when the ruling or order was made. 

18 U.S. Code 1517 - Obstructing examination of financial institution Whoever corruptly obstructs or attempts to obstruct any examination of a financial institution by an agency of the United States with jurisdiction to conduct an examination of such financial institution shall be fined under this title, imprisoned not more than 5 years, or both. 
( Added Pub. L. 101647, title XXV, 2503 ( a ), XXXX XXXX, XXXX, 104 Stat. 4861. ) 18 U.S. Code 2076 - Clerk of United States District Court Whoever, being a clerk of a district court of the United States, willfully refuses or neglects to make or forward any report, certificate, statement, or document as required by law, shall be fined under this title or imprisoned not more than XXXX year, or both. 
( XX/XX/XXXX, ch. 645, 62 Stat. 796 ; Pub. L. 104294, title VI, 601 ( a ) ( 11 ), XXXX XXXX, XXXX, 110 Stat. 3498. ) 18 U.S. Code 2071 - Concealment, removal, or mutilation generally ( a ) Whoever willfully and unlawfully conceals, removes, mutilates, obliterates, or destroys, or attempts to do so, or, with intent to do so takes and carries away any record, proceeding, map, book, paper, document, or other thing, filed or deposited with any clerk or officer of any court of the United States, or in any public office, or with any judicial or public officer of the United States, shall be fined under this title or imprisoned not more than three years, or both. 
( b ) Whoever, having the custody of any such record, proceeding, map, book, document, paper, or other thing, willfully and unlawfully conceals, removes, mutilates, obliterates, falsifies, or destroys the same, shall be fined under this title or imprisoned not more than three years, or both ; and shall forfeit his office and be disqualified from holding any office under the United States. As used in this subsection, the term office does not include the office held by any person as a retired officer of the Armed Forces of the United States. 
( XX/XX/XXXX, ch. 645, 62 Stat. 795 ; Pub. L. 101510, div. A, title V, 552 ( a ), XXXX XXXX, XXXX, 104 Stat. 1566 ; Pub. L. 103322, title XXXIII, 330016 ( 1 ) ( I ), XXXX XXXX, XXXX, 108 Stat. 2147. ) Held : the District Judge erred in refusing petitioner 's demand for a trial by jury of the factual issues related to the question whether there had been a breach of contract or a trademark infringement, and the Court of Appeals should have corrected that error by granting the petition for mandamus. Pp. 369 U. S. 470-480.

Dairy Queen , Inc. v. Wood, 369 U.S. 469 ( 1962 )
Product: Credit reporting or other personal consumer reports

To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : ( Previous / Incorrect Addresses ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : XXXX. XXXX XXXX Please remove inaccurate employers as well as listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report. 

Thank you, XXXX XXXX
Product: Debt collection

I called Viking Client Services about a {$390.00} debt to XXXX rental car. I did not know that XXXX XXXX ( secondary insurance ) and XXXX ( primary insurance ) had not paid the amount owed to XXXX XXXX XXXX, whom Viking Client Services represents. 

When speaking to the representative, he suggested that I simply pay the amount owed for XXXX specific reasons : 1 ) My primary insurance will go up if I file a claim with them to pay for these damages 2 ) My primary insurance is unlikely to pay the amount owed because they usually do not cover administrative costs of a claim 3 ) I would be reported to a credit agency and it would effect my credit As of XX/XX/year>, I also disputed the collection on their website because I tried calling several times and each time was transferred to an employee that was not available. I did not receive a confirmation by email and the dispute confirmation page shows no identifying information, if I needed to use it as proof. That further puts me at risk
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX  account what has been reported as a charge off every month since XXXX. Every month it has reported 30,1 60,1 90 1 days late for Equifax and XXXX and the last month it reported that was XX/XX/XXXX. I just updated my XXXX  XXXX and for XXXX its reporting 30 1, 60 1, 90 37, for Equifax and its reporting 30 1, 60 1, 90 3, for XXXX! I just updated it for XXXX and it say 30 1, 60 1, 90 1, for XXXX and 30 1, 60 1, 90 38, for Equifax. How did it go from 1 90 days late in XXXX to 38 90 days late in XXXX in 3 months??!!! Also All 3 are reporting wrong dates for date of last activity!
Product: Credit card or prepaid card

I had booked XXXX flights for myself and my partner through the Chase Ultimate XXXX XXXX on XXXX XXXX, 2022. The airline, XXXX, changed our route without my approval/consent and so I had reached out to XXXX to cancel my flight. I was told that since it was booked through Chase, I would need to contact Chase to cancel and receive my refund. I have called Chase multiple times, have been on hold for hours, talked to multiple different agents and managers who have not been able to provide a resolution or provided me with the refund of XXXX points and {$460.00} with the total value of {$2400.00}. I had to open a new credit card to be able to rebook this flight because Chase is unable to provide me with the refund. It has been at least 2.5 months of trying to resolve this with Chase who still insists that they are unable to provide me with a resolution. Today, XX/XX/2022 I am being told again, that this will take another 1-2 billing cycles. No one seems to be able to help me get my points and funds back and we are approaching the 3 month mark. Please resolve this issue and relieve me of this extremely stressful and frustrating situation. I don't understand why Chase can't refund me back the points and the funds, which I have already paid for by the way - since I pay my balance in full every month.
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 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: Credit card

Discover has confirmed the receipt of my payment of {$15000.00} from my complaint XXXX and XXXX and has refused payment which is against the law. Im requesting Discover to return the tender of payment or credit to my account for the {$15000.00}. Payment received is payment credited or discharged, Discover received and acknowledged receipt meaning according to UCC 3-603 If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge. Discover received my tender and refused, as for the XXXX that was a form of payment in credits from the Internal Revenue Services and was accepted and sent to Discover, if the credits have been returned, please provide me with the IRS form used, according to the Internal Revenue Services to accept or decline the credits, a form has to be completed. Please provide the information sent to the IRS to accept or decline payment credits.
Product: Mortgage

This is a followup to the complaint XXXX ( filed on XX/XX/XXXX ), which includes the following response from the company -> " You are also owed 1 day of interest credit from XXXX ( XXXX ) since it was paid off on XX/XX/XXXX. I anticipate receiving their response by Monday XX/XX/XXXX. '' I have not received the {$11.00} amount yet even after almost 4 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit reporting will not let me cancel my account. They have all kinds of ways to easily sign up for their services. They miss lead you with free credit report than the will automatically start monthly billing with disclaimers stating you can " Cancel at anytime '' They make it seem like it is just as easy to cancel. After months of billing my account they raised the rates. I have now spent hours on the phone trying to get someone to cancel my account. I have searched the web to see if any one else has a easier solution to cancel. Everyone I come across says they are waiting for over an hour on hold. I have done this and when someone picks up they hang up the phone. I am so frustrated with Experian. I THOUGHT THEY ARE THEIR TO PROTECT US HONEST PEOPLE. I am filing this complaint to hope someone forces them to change their company policies.