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

No open account associated with these inquirirs and no knowledge of them, please remove and suppress this information, they will not allow me to log into my credit report to even dispute on their website. update my information and remove this incorrect data my name is XXXX XXXX XXXX my phone is XXXX XXXX XXXX my employers XXXX. XXXX XXXX. my address are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B Read A and 2 Credit Inquiries Credit Inquiries XXXX XXXX XXXX XXXX Experian XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/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
Product: Checking or savings account

On XX/XX/, Transunion has reported to XXXX XXXX that I had recently closed a checking and/or saving account. 

This is false. I have not recently closed a checking and/or business account. 

There is a XXXX XXXX XXXX checking and savings account that was fradulently opened. I have disputed this with XXXX  XXXX XXXX XXXX has no proof that it was me personally who opened this account. Transunion should remove and not report false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage that was in a moratory status as part of the CARES act around XXXX XXXX with a lender named XXXX XXXX XXXX XXXX. This mortgage continued with the moratory status until XX/XX/XXXX after filling multiple extensions. I resumed making normal payments in XX/XX/XXXX and I still making payments normal payments. 
XXXX XXXX XXXX XXXX was acquired by XXXX XXXX XXXX on XX/XX/XXXX. During and after the acquisition I still having problems that XXXX XXXX XXXX continues to report the mortgage status as paying late with 120+ days. I initially informed the bank on XX/XX/XXXX, about the situation which they acknowledge the problem and they told me the case was referred to Mortgage Administration to correct the problem. The issue continues, I decided to make a formal dispute with the credit bureaus to remove the information on my credit reports. Every time I submit a dispute the information is removed but the next month XXXX XXXX XXXX reports the incorrect information to the bureaus. I already emailed the bank and I attempted to call the bank many times and they continue giving me not valid reasons.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just got off the phone with the  XXXX   XXXX   XXXX   XXXX  who has verified that the  XXXX   XXXX  that Equifax is showing on my credit report is paid, closed and since it was opened in   XXXX  , is over  15 years old. E quifax is reporting old negative activity on my report and I want it removed IMMEDIATELY. This reporting has cost me a job opportunity. If it 's not removed immediately I will resort to hiring an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to credit bureaus to remove inaccurate information from my credit file, and it was not done with in a 30-day time frame
Product: Credit card or prepaid card

I made a purchase on XX/XX/24/20 through a company called XXXX XXXX. I purchased rose plants that were ultimately delivered on XX/XX/XXXX. The company has a 1 year guarantee on all plants, and the plants I received arrived dead. I contacted the company and they asked for documentation, pictures, etc, which I provided. The company denied my return claim. I opened a dispute with Apple Card ( through Goldman Sachs ) on XX/XX/XXXX, which was denied on XXXX because Goldman Sachs found that I made the purchase. That was never my dispute - I told Goldman Sachs that I made the purchase, my complaint was that the goods were delivered damaged. I reopened the claim on XXXX, and GS again denied the claim on XXXX because they found that the merchant had provided a credit ( the merchant had not ). I contacted GS and asked for proof that the merchant provided a credit because the credit did not appear on my credit card statement, and they declined to do so. They reopened the claim on XXXX and AGAIN denied it on XXXX. I contacted them on XXXX by phone and the customer service rep said that she was reopening the dispute for me, but it was never reopened. I contacted them again on XX/XX/XXXX and they are now saying that they can't reopen the dispute because it has been reopened too many times. This is due to their incompetence! I am being completely ignored and am being charged for damaged goods. I don't know where else to turn.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on ( Provide Date ). They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried about 10times already to remove inquiries that was not authorized by me or I was aware of. XXXX and XXXX have done so however TransUnion is a lost cause. I have told them they were not done by me I have called the companies each over an over but they tell me to call the bureau back to dispute since there is nothing on file on me however I have done that so many times Im sick of it already. Please remove these inquiries : 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 SYXXXXCB XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
Product: Debt collection

XXXX XXXX XXXX, XXXX as Trustee for Option One Mortgage Loan Trust XXXX is collecting a debt that was never transferred to the trust before cut off date of the trust. XXXX XXXX XXXX, XXXX is fraudulently including our mortgage in the collateral file ( published on X/XX/2017 ) and remittance reports ( published on X/XX/2017 ) for Option One Mortgage Loan Trust XXXX for XX/XX/XXXX, despite the fact the only transfer of assignment that was filed in the XXXX County Land Records Office was filed 5 years after the closing date of the trust.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX Bankruptcy # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Prepaid card

Received an email from Bank of America, stating that a letter was sent on XXXX XXXX containing a check or prepaid debit card. Which I never received. I was asked to call XXXX to update the records. They collected all the personal information including my SSi #, address and my security question & answers. I was given run around to different representatives. They put me on hold for XXXX minutes. I didn't get any answers except complete silence. I think my email and above phone # XXXX are fraud. The email was from XXXX XXXX
Product: Credit reporting or other personal consumer reports

It seems that once again, my credit file has been compromised. Upon reviewing my records, I've discovered numerous items that are not mine. As someone who values thorough research, I've learned that under section XXXX of the FCRA, there's a legal obligation to remove any fraudulent items resulting from identity theft. The disputed items are not associated with me. I've attached the necessary FTC Report for your reference and for the bank 's records. Kindly proceed with the removal of these items. 
XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After Reviewing my credit profile on XX/XX/2022 I identified a discrepancy with the account listed under Portfolio Recovery Associates and validation was requested as this was an account that i did not recognize. I reviewed my credit report the following month on XX/XX/2022 and the account continues to reflect on my credit report and i have not received any correspondence from the creditor to validate that this account as correctly belonging to me, nor has my credit credit report has been updated that the account is disputed. I do not believe the account belongs to me nor do i believe that the creditor has authorization to access the account nor have authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all XXXX credit bureaus until adequate validation has been received proving the account belongs to me and the information belongs to me.
Product: Credit reporting or other personal consumer reports

Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I a victim of a form of trafficking in persons under 22 U.S.C. {$7100.00} ( 11 ) or trafficking under 22 U.S.C. 7102 ( 12 ) as required to qualify for certain adverse credit information to be blocked pursuant to 12 C.F.R. 1022.142. My credit report was affected by debt bondage.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request and investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past XXXX days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of XXXX  times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Product: Credit card or prepaid card

I received a credit card statement from SCHEELS visa on XX/XX/XXXX. It has a balance for {$8000.00}. There was a charge on XX/XX/XXXX for {$7700.00} made at Scheels XXXX XXXX. There was a purchase on XX/XX/XXXX for {$200.00} at XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXXXXXX and there was a purchase on XX/XX/XXXX for XXXX XXXX  in XXXX XXXX for {$77.00} I have never been to, nor heard of a Scheels before this statement was received. I have never been to XXXX and I did not open this credit card or make these charges. I contacted the credit card company and opened an investigation into the fraud on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX 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 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

I am writing to formally dispute the claim of civil liability for negligence that has been brought against me under California Civil Code 16810. Upon reviewing the details of this matter, I find that the claim is incomplete and lacks the necessary legal and factual basis to establish my liability.

Grounds for Dispute : 1. Lack of Substantiated Evidence : The claim fails to provide clear and sufficient evidence demonstrating my negligence and how it directly resulted in the alleged damages. Without concrete proof, any assertion of liability is unfounded.

2. Failure to Establish Duty and Breach : For a negligence claim to be valid, it must be shown that I had a legal duty to the claimant, that I breached this duty, and that this breach directly caused harm. The claim does not adequately establish these elements.

3. Inaccurate or Incomplete Information : The claim appears to be incomplete or contains inaccuracies regarding the circumstances of the alleged incident. I request a full and transparent disclosure of all supporting documents, witness statements, and any other relevant evidence.

4. Possible Comparative Negligence : If liability is being alleged, an assessment of all parties contributions to the incident must be considered. If other parties contributed to or were responsible for the damages, the claim should be adjusted accordingly.

Given these concerns, I request an immediate review of this dispute and a written response addressing the deficiencies outlined above. If this matter is not resolved appropriately, I am prepared to take further legal action, including seeking dismissal of the claim and any damages incurred due to improper allegations.
Product: Mortgage

USAA screwed up my escrow account for property taxes. Last year I was only in the house for 6 months so I paid half the taxes and they used that same amount that I paid last year for only half the year for this years taxes which were for a whole year. So now I need to pay {$2900.00} extra or add more to my monthly mortgage payment. They claim it was n't their fault and that the taxes increased but that is not the case the taxes are exactly the same all that changed is instead of only paying for 6 months we paid for a full 12 months. USAA also tried to sell my mortgage off only 2 weeks after we signed it. Something needs to be done about their shady business. They are supposed to help veterans and their families but all they do is cause grief.
Product: Debt collection

Diatech is trying to collect over 35 thousand dollars from me on a home that was foreclosed on in XX/XX/2009. I have heard nothing from them until recently when i received a letter stating they were going to garnish my pay. This was a " bad '' loan and i actually a letter the Missouri Attorney General. I would appreciate if you would please help me in finding a resolution to this situation.
Product: Debt collection

I reported to collections agency. I have dealt with them in the past for the same issue.
Product: Money transfer, virtual currency, or money service

I opened a Coinbase account with {$1000.00} wired from my bank on XX/XX/2023. The following day, my money was transferred to another wallet, It was subsequently transferred to 4 other wallets and ended up in a Coinbase wallet.
Product: Mortgage

Bank of America is reporting to the credit bureaus that I have been late with my payment for more than 90 days and late 15 times. All of this reporting is false.I purchase the house in XX/XX/2017 from XXXX XXXX XXXX for {$130000.00}. I took out a loan from XXXX XXXX to make the payment. I have been paying XXXX XXXX {$1700.00} every month since then. Bank of America is saying they still own the home and that I should continue to pay them monthly. I have a Title and Deed of Trust from XXXX XXXX XXXX stating that I own the home and XXXX XXXX is the lienholder on the house. Meanwhile, Bank of America continues to report to the credit bureaus that I owe them on their mortgage and they are destroying my credit rating. I am trying to purchase a new home for my family and I am not able to because of the late reports on my credit from Bank of America. I make my payments to XXXX XXXX every month and I have never been late. 
I have a case number with Bank of America Case # XXXX. I have been dealing with a person named XXXX and XXXX. Neither one is forthcoming to help or get this resolved. 
Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The accounts list below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Checking or savings account

I am writing to formally file a complaint regarding my recent experience with a fitness program called XXXX. Here are the details of the issue : In early XXXX, I came across XXXX on social media. After inquiring, I added their contact on XXXX and had a phone conversation with a representativea man of XXXX origin. He pressured me to make a payment quickly. I specifically stated that I only wanted to try the program for one month, and he assured me that this was possible. Based on this assurance, I signed a contract and paid over {$400.00} for XXXX month of coaching. 

Later that evening, I discussed this with my wife, who suggested that hiring a personal trainer at a local gym would be more effective. I decided to contact XXXX through XXXX to negotiate a cancellation. However, they did not respond to my inquiry. As a result, I submitted a refund request through Chase Bank. 

Two days later, they replied, stating that I had signed a contract that required me to pay 50 % of the six-month coaching fee as a cancellation penalty. They never verbally informed me of this condition. Moreover, they failed to disclose that I had signed up for a six-month service rather than a one-month trial as I had requested. I relied on their verbal explanations, as I am not fluent in English and did not thoroughly review the contract. 

To date, I have not received any services from them, yet they continue to deduct money from my account every month. Most recently, I received an email from my bank informing me that another $ 400+ has been withdrawn from my account, even though I have not agreed to these ongoing charges.

I am extremely upset about this situation and firmly believe I am entitled to a full refund. The service was misrepresented, and I have not received any value from the program. 

Please address this issue promptly and process my refund as soon as possible. If necessary, I am willing to escalate this matter to consumer protection authorities or seek legal assistance.
Product: Credit reporting or other personal consumer reports

I notice there is a violation of my consumer rights 15 USC 1681a which states that transaction and experiences between the consumer and the person that's making the report are Excluded. I am also being violated under 15 USE 1666B which also states a creditor can not report a payment as Late unless there were a statement sent within 21 days of my payment, which this is a billing error. The third violation I notice was 15 USC 1681b I never gave written permission to report anything to my consumer report. FCRA says that there is to be Maximum accuracy in a consumer report according to 1681e ( b ) which I don't find to be in this case.
Product: Bank account or service

I deposited a check to my account before leaving XXXX on a trip. 
The deposit went through as it was exactly the same as on multiple deposits previously, XXXX Bank, Same Branch, Same Accounts ( issuer and issued ), Same Signer, Same amount ( actually lesser amount than most recent accepted deposit, but same as a previous amount ), Same Name, Same Endorser, Same Everything! But For No Valid or Given Reason This Deposit Was Reversed By the Branch Manager In Order To Extort and Sell Branch Products. 
I Was Treated Inhumanly and Extremely Unprofessionally With Direct Disrespect and Deprivation of My Livelihood as well as Insult to my Character. 
I am Currently XXXX so there is Direct Negative Impact on My Survival.
Product: Credit reporting or other personal consumer reports

This is my OTHER 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 XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1000.00} US DEPT ED XXXX Balance : {$3500.00} XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXXXX/XX/XXXX.