23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I send XXXX $ on XXXX XX/XX/2023 by western union and it was promised me that the receiver will receive the amount on the same day that is on XXXX XXXX XXXXXX/XX/2023 but it is received still and today the date is XXXX XXXX XXXXXX/XX/2023 so I talk to the customer care XXXX to 5 times they are just telling me we are working on it nothing else no other solution
Product: Credit card or prepaid card

Started with a {$200.00} secure credit card and was told after 8 months of paying on time and responsible use would have my {$200.00} returned and graduate to a unsecured card. Graduated to a unsecured credit card on XX/XX/XXXX and was told by email will receive {$200.00} deposit returned in 5-7 business days. It is now almost a month have reached out 2-3 times and each time been told sorry it's a " glitch '' and don't know when your secure deposit will be returned. Last call was on XXXX XXXX and talked with a XXXX out of the Ohio office and she was very unprofessional towards me even questioning and belittling what I did for employment. Asked to speak with supervisor. Spoke with supervisor named XXXX out of the Ohio office. Never received an apology for the way XXXX spoke to me and got them same response of " I don't know '' when requiring about the return of my secure deposit. Then XXXX hung up on me ending the call
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have sent letters and spoke over the phone with Experian Customer Service Reps. I have explained to them that XXXX of the addresses do not and have never belonged to me. I stated to Experian that they are the only credit bureau that is reporting these XXXX addresses that do n't belong to me.,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent mailed my FTC report to Transunion and Im still waiting with no response. I feel violated and a violation of my rights.
Product: Mortgage

I applied for the XXXX program for my mortgage on XX/XX/XXXX to pay for back taxes and insurance on my mortgage that was not escrowed. I wasn't approved until XX/XX/XXXX and paid out on XX/XX/XXXX and XX/XX/XXXX. During this process Lakeview LoanXXXX placed a forced escrow onto my mortgage. 

I obtained my own insurance on XX/XX/XXXX and the servicer removed insurance from escrow. per the conversation that we had with the servicer on XX/XX/XXXX, would have to pay my own taxes and have a positive escrow account balance in order to remove my taxes and have no escrow account. 

We have since done that and now the servicer is refusing to remove escrow.
Product: Student loan

When I attended graduate school online they gave me way too much in student loans. I now owe over XXXX. Navient was the company. For XXXX XXXX.
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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX MXXXX XXXX XXXX XXXX XXXXXXXX, 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 an 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: Money transfer, virtual currency, or money service

On XXXX/XXXX/XXXX, my wife and I used the Chase Bank Quick Pay with XXXX XXXX to transfer {$400.00} to a joint account of ours at XXXX XXXX. The money has never arrived in our account at XXXX XXXX. We have spoken with both banks on the phone and in person on multiple occassions since XXXX XXXX. During one phone conf with Chase at the end of XXXX, the agent confirmed that the funds were in the process of being returned to Chase and that they would be back in our account in 2 to 3 business days but the funds were not returned. Subsequent calls to Chase disavowed any knowledge of the funds being returned.
Chase says the transaction was completed. A copy of their claim resolution and claim rejection letters with date, amount, and transaction numbers are attached along with the account acitivity since XXXX XXXX, XXXX showing the funds have not been returned. XXXX XXXX says they do not have the funds nor do they show any pending transactions. Account activity from the XXXX XXXX account dating to before XXXX XXXX is also attached showing that the funds were never received in that account. The money has not been re-depositied by Chase and  has not been deposited in XXXX XXXX as of this date. Please ask these banks to investigate and determine where the funds are.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 of 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

I mailed my dispute letter because I have things on my credit is not mines due to identity theft. I have a police report and letter from equifax and XXXX XXXX stating that my information has been breached. My letter was mailed XX/XX/2023 with tracking number XXXX with usps. I also gave XXXX a call at XXXX XX/XX/2023 to discuss why I can not remove addresses I never lived at and accounts that I have on my report that I no nothing about. He stated that he will open an dispute. I have attached a copy of my dispute and yet I keep getting these canned responses from XXXX saying that my information has been verified but I have never received any information of how the accounts and addresses have been verified. This is causing me to be unable to obtain credit. I have attached communication from equifax and XXXX XXXX. 

These are the usps tracking numbers for disputes that have been improperly handled and never received a response in the past. 
XXXX - Equifax XXXX XXXX XXXX XXXX Department XXXX - XXXX XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department XXXX - XXXX XXXX XXXX XXXX XXXX Department XXXX - Equifax XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department XXXX XXXX Equifax XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department XXXX - XXXX XXXX XXXX XXXX XXXX Department
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX XXXX XXXX XXXX. XXXX  XXXX change the Account number at XX/XX/2017 Experian use to report that account every month. I dispute the account balance one time to Experian. after that they stop report the account every month as they should. Several calls made to XXXX XXXX supervisor and several calls made to Experian with XXXX XXXX on line ( 3 Way calls ) to insert the account. No, responses from Experian. XXXX XXXX told me many times that they sand the farm to Experian to insert the account an Experian said we did not received any letter from XXXX XXXX Vis versa. that account reported before by Experian and been reported by XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

To whom this may concern, this is one of the countless times I have attempted to report unusual activity on my consumer report, however, I seem to get no response. According to the Fair Credit Reporting Act, it is a violation of my consumer rights ( ref. 15 USC 1681 ) for consumer reporting agencies to report information of my consumer report that I didn't authorize nor permit to be on my consumer report. 

The following inquiries I didn't authorize on my consumer report : TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I WOULD LIKE FOR THESE ITEMS TO BE REMOVED FROM MY CONSUMER REPORT.
Product: Consumer Loan

I purchased a car from Santander, I had to move because of job related issues I could no longer afford the payments so I did a voluntary repossession. The company sold the car and then still tried to collect the full amount of the car from me. After I was told that all I would owe was any balance if any that was left after the car was sold. They are still trying to collect over XXXX from me and the car was n't even that much to begin with.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. These accounts are not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX is a victim of identity theft. He was notified by your XXXX XXXX XXXX of a fraudulent application submitted with his information without his consent. An inquiry was made into his XXXX  and XXXX  credit report XX/XX/XXXX related to that application. A formal dispute was mailed to XXXX XXXX XXXX  XX/XX/XXXX ; as of this date XXXX XXXX XXXX has not replied to the dispute which is a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( 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 ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, TX XXXX XXXX there is some inaccurate information reporting. 
XXXX  XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I received a response from CFPB that my complaint was sent but they did not respond within 30 days which legally these accounts should be deleted.

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, Account Number : XXXX. Account name : XXXX XXXX XXXX XXXX, Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX, Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX , Account Number : XXXX Account name : XXXX XXXX XXXX, Account Number : XXXX Account name : ( original creditor : XXXX ) XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX, Account Number : XXXX Account name : ( original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX, Account Number : XXXX Account name : XXXX XXXX XXXX XXXX, Account Number : XXXX Account name :XXXX Account Number : XXXX Account name :XXXX, Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX, Account Number : XXXX Account name : XXXX, Account Number : XXXX Account name : XXXX, Account Number : XXXX Account name : XXXX, Account Number : XXXX Account name : XXXX, Account Number : XXXX Account name : XXXX, Account Number : XXXX Account name : XXXX, Account Number : XXXX Account name : XXXX XXXX, Account Number : XXXX Account name : XXXX, Account Number : XXXX Account name : XXXX, Account Number : XXXX Account name : XXXX, Account Number : 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 an 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 or 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. My identity has been constantly involved in data leaks and located in the dark web which Experian has told me several times. These accounts do not belong to me, I do not trust or deal with credit and now that Im trying to get a mortgage and buy a home for my future family I am unable.

My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX. Social security number is XXXX
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate.and according to the fcra whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.these accounts ( XXXX XXXX XXXX  : account # XXXX. ( XXXX ) XXXX : account # XXXX. XXXX XXXX XXXX XXXX  : acount # XXXX. ( XXXX XXXX XXXX XXXX XXXX  : account # XXXX. ( XXXX XXXX XXXX XXXXl : account # XXXX. ( XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX. XXXX have the right to privacy.and according to 15usc1681 ( a ) ( 5 ) no consumer reporting agency may make any consumerreport containg any of the following information, other than records of convictions of crimes which date the report by more than 7years.15usc1681s-2 ( a ) ( 1 ) a person shall not furnish any information to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.please remove ALL inaccurate information from my report.ive been battling XXXX XXXX XXXX for last 3years and I am trying to get my life back.thank you respectfully
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a vehicle financed with Credit Acceptance, in lateXX/XX/XXXX I was in an accident where I was rear ended and my car was totaled. The insurance company of the person at fault paid off my loan inXX/XX/XXXX with the exception of {$180.00}. I paid Credit Acceptance {$100.00} on XXXXXX/XX/XXXXand the last {$77.00} onXX/XX/XXXXThey are showing on my credit report that the loan defaulted and went into collections. This never happened. I called Credit Acceptance about it and they said they could n't do anything and I would need to file a dispute with the credit reporting agency. I filed a report with XXXX and they claimed to investigate the claim and found it substantiated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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 recently reviewed my credit profile and noticed inaccuracies and false accusations.

It is my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

I AM NOW enlisting my consumer rights to compel you to ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations.

Failure to take appropriate actions to remedy this matter will lead to my civil right to file a lawsuit seeking monetary resolution via a court in my jurisdiction.

Drawing from my research and complete comprehension You nor any entity is permitted to keep any noncompliant information, particularly upon it being challenging any or all of the excerpts, dated assignments, ledger balances, audited details, documents of identification, each of the XXXX XXXX XXXX XXXX statements, pay status codes, alpha-/ numeric-/ and or alphanumeric source codes. Further certificate firmly every single one even each any and or all of the minimal XXXX ( XXXX ) portioned personal identifiers, and even the unabbreviated XXXX pieces of confirmation to collect. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : XXXX XXXX Account Number : XXXX As you are aware, federal and my state laws dictate that all claims be physically proven to its 100 % truthfulness, 100 % correctness, 100 % completeness, 100 % timeliness and 100 % in compliance otherwise every single item even each or all of the relatedregulations, mentioned or that if any or each item being reported is challenged for its legal reportability.I request verifiable physical evidence to prove the existence and permissible usage of the account. If this evidence is not provided, I expect the account to be removed from the report. You have my authorization to send me physical documentation of your actions and an updated credit report.
Product: Mortgage

In XX/XX/2023, I was 4 months behind, and I applied for loan assistance/Forbearance. My reason for this was a temporary decrease in income. The application asked for documentation of that change in income. I already had the loan, so I had no idea it would be trated as a new loan application. I was called 2 months later and told the the application was closed because I didn't provide proof of income. I had provided my tax returns and proof of lower income, but they wanted proof of income for current repayment. I understood the request but no one had told be that. I resubmitted the application with proof of income, and in XXXX I was declined because I was over 90 days past due. So I waited 5 months to be told that if I caught the loan up to within 60 days I could have qualified, but no one told me that. I also was under the impression that the loan would be on hold while under review, so now I'm in a posiiton that requires me to get out from being 8 months behind to qualify for re-submission. I offered to pay a double payment then triple payments to get under 90 days but I was told that might not be enough to stop foreclosure. So what they are telling me is that if I had been told in XXXX when I first applied that I should make a payment to get under 90 days past due, I would have qualified but now I may get foreclosed on because I can't recover 8 months that quickly.
Product: Credit card or prepaid card

XX/XX/2019 I was charged twice for a meal at XXXX XXXX restaurant. 
Charge one - {$110.00} ( did not include tip ) Charge two - {$130.00} ( included tip ) I'm accepting the charge of {$130.00}. I'm not accepting the charge of {$110.00}. 

I disputed the charge with Citi and they have denied it several times. I did as Citi requested me to do, I contacted XXXX XXXX months ago several times. They stated each time verbally that they do not have record of a {$110.00} charge only {$130.00}. I have since requested them to put that in writing and will attach that to this dispute. 

I previously reached out the to CFPB case # XXXX-XXXX. Citi denied it. XXXX XXXX sent a letter with no email and the phone number that was provided was never answered and does not have a VM. I have included the documentation.
Product: Debt collection

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days