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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX- Equifax Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Re : Investigation of Inaccurate Credit Report Items is in Violation Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report To Whom It May Concern, I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries 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 inquiries : XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

I went through they buying process with Carvana online. At the end, I chose not to sign the contract or complete the purchase. They went ahead and debited by checking for XXXX and change. I have emails showing that I canceled the transaction and never signed or acknowledged a contract. Their process claims it will take 15 days to refund the money. My car purchase is based on a total loss and if a new / used car is purchased within 30 days of the check being issued, they will also cover the taxes. This unauthorized debit is going to cost me {$1200.00} because they have effectively tied up my ability to purchase a car. This process of taking the money without a contract seems unfair, deceptive, and at least in this case is causing real consumer harm in the form of the inability to purchase a vehicle for another two weeks and the loss of the ability to go back to get the tax money refunded. I have reached out to their support group and are unable to speak with anyone. They force you into a chat session.
Product: Mortgage

I was married for XXXX years and my husband was a drug addict addicted to prescription narcotics, he was and I am a registered nurse. My husband and I filed bankruptcy in XX/XX/XXXX because of his prescription drug addiction caused him to make poor financial decisions. In XX/XX/XXXX my husband abandoned myself and our XXXX children and moved from XXXX to XXXX to be with his XXXX. I filed for divorce and was granted a divorce under misconduct and was awarded full custody of both children. I tried to keep my home not knowing that the mortgage was included in a bankruptcy. When I found out that my husband married his mistress I called Chase to do a loan modification to put the house just in my name and that is when I was notified by Chase that the only way to do that was to have my ex-husband sign a XXXX claim deed and my ex-husband stated he would NOT sign anything pertaining to the house. Me and my children had no choice than to move. I have since restored my credit and am trying to move forward with my children and this house is still hanging over my head since XX/XX/XXXX. The mortgage with JP Morgan and Chase was never re-affirmed. Chase is not reporting on my credit report but has failed to take this house out of my name with XXXX and the FHA. A credit agency was asked to do a investigation and I have attached this report to this complaint as well as my hardship letter. I have applied to and been approved for a mortgage with the FHA and the only hold up is this house still being in my name. I have consulted XXXX attorneys and the FHA, all of whom stated " we have never seen a case like this where the house is not on your credit but still in your name '' XXXX attorney I spoke to stated " I guess you got a free house ''. This has become a joke! I just want this house out of my name. I have told my story over and over and no one can advise me of how to get this done. I feel my rights have been violated as a consumer, this is unfair and immoral that these banks can take their sweet time and disrupt and destroy a persons life. I paid on that house 11 years and due to this unforeseen circumstance that happened to me and my children, my husband gets to move on with a new wife and a new home, cause he put it in his wife 's name and me and my children continue to be punished. WHO PROTECTS MY RIGHTS!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXXXXXX, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two open accounts with XXXX XXXX and the utilization is at 6 % and XXXX for the last 4 months has been reporting my use on the two Lead Bank accounts at being 47 % utilization. 
These reports are in error.
Product: Checking or savings account

I requested to withdraw funds for the first time from my IRA with Huntington Bank on XX/XX/23. ( This account was originally a retirement account with an employer that I no longer work for. It was rolled over into an IRA when I left that employer and later the bank it was rolled over into was bought by Huntington Bank. ) Huntington bank representative informed me that I have to come into a branch in person to withdraw funds. I live in Oregon, the nearest branch to me is in Colorado. When I was seeking further assistance on this issue with a Huntington Bank representative, they ended the online chat we were using to communicate after I told them I would not be coming in person to a branch and there needed to be another way to get funds from the account. I still have not been able to withdraw money from the account.
Product: Money transfer, virtual currency, or money service

my ex partner filed taxes using my cashapp she hacked i got a letter from cashapp and the irs she has been using crypto and bitcion i froze all and any accounts but she is still using stock and bitcion and theres a broker deal she is claiming
Product: Checking or savings account

At XXXX XXXX on XX/XX/2020, I went to a full service TD ATM machine inside a TD Bank at XXXX XXXX XXXX XXXX, XXXX, CT XXXX. I deposited {$200.00} in cash then followed another cash deposit transaction of {$250.00}. However, the ATM machine gave me back {$80.00} and kept my {$170.00}. When I logged into my TD Bank account, I saw that the {$200.00} came through, but the {$170.00} did not and was only showing " XXXX '' instead of " {$170.00} '' I tried calling a TD customer support but could not reach anyone. I preceded to call the XXXX Police Department to inform them of the situation and suspicion of a fraud activity. Officers XXXX and XXXX were at the scene. But informed me I should go to the bank the next day ( XX/XX/2020 ) so that I could talk with someone. I arrived at the bank the next day ( XX/XX/2020 ) and the teller issued me a new debit card but I was unable to retrieve my original ATM card. The teller ( XXXX? I think that'a her name ) filed an ATM dispute and stated that the funds will be issued in " 10 days. '' I have solid proof that I made 2 cash deposit transactions and would like my funds be available at my account, not 10 days. 
So at this moment, I still need my {$170.00} back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX-XXXX-19 today was my 3rd call trying to get experian to unfreeze my credit! I have done everything they have asked, its not my problem that the system they use XXXX! Ive tried the website & calling nothing is happening, I cant get a ace to live or a car cuz of this!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing a late payment on my Mortgage with Mr. Cooper for the month of XX/XX/2019. My bank account shows that my check to Mr. Cooper was cashed on XX/XX/2019. This mortgage was sold to Mr. Cooper during the month of XX/XX/2019 and on XX/XX/XXXX, a representative from Mr. Cooper informed me that my payment was never received during the month of XX/XX/2019. I believe my payment was lost during the transfer of mortgage companies during that time so I double paid my mortgage at that time. Nobody ever informed me that my payment wasn't received during XXXX otherwise I would have corrected it immediately. 

Thank you for your time, XXXX XXXX XXXX
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 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit reporting or other personal consumer reports

XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello!! 
For the past 3 months, I have contacted all 3 major credit bureaus throughout my break and lunch, to try and have the freeze, block and fraud alerts removed from my personal credit. Unfortunately- I have to force myself to take time to do this- because I am an essential worker. 

I have been told by representatives at the bureaus they have been removed the information However, I tried to obtained financing and I have either been denied because they cant verify my information or I have been told to go back to the bureaus and have the freeze or block removed from my credit. 

Again- we are going on 3 months!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Montgomery Wards Acct # XXXX, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B states 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, credit repair services, or other personal consumer reports

XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX Balance details 0 % paid off Balance {$290.00} Balance updated XX/XX/2023 Original balance {$290.00} Account info Account number XXXX Date opened XX/XX/2023 Account type Open account Status - Status updated XX/XX/2023 Payment summary No payment history available to display. 
Comments Placed for collection Your statement - Contact info Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN XXXX BUSINESS DAYS OF FRAUD RECEIPT DATE
Product: Debt collection

I received a call at XXXX XXXX XXXX time from Phoenix Financial. Though they are in XXXX, they confirmed my address as in XXXX, so they were aware they were calling before XXXX. I missed their phone call, and called it back where a gentleman stated his name and the XXXX XXXX, Phoenix Financial. He then demanded to know my son 's date of birth. I was extremely taken aback because my son and I have both been victims of abuse and stalking, and ironically, my son 's name is XXXX. When I diverted the question of my son 's birth date, I immediately was asked very sarcastically " Oh, you do n't know your son 's birth date? '' I said I was not required to give it to him, and I did n't feel comfortable divulging that information. I quickly reminded him that I returned the phone call, so I did n't feel I was being evasive. He again answered with a rude and sarcastic tone saying " Oh, you returned my phone call? Well maybe I should send you some cookies. '' I was so shocked I hung up and called immediately back for a supervisor. She said she would take care of it, but I still wanted to make a note of it. Our protective order and stalking injunction is available if you need to see it or my telephone call records.
Product: Credit card

I reported 3 unauthorized charges '' XXXX {$150.00} anany XXXX {$210.00} XXXX {$360.00} Though the bank processed, and credited the first two ( XXXX and XXXX ) it has not processed or credited the XXXX, And despite numerous calls to the bank, and hour long holds I have not been able to get XXXX information as to why the unauthorized charge has not processed. 
In fact, I have been told it did process but why the credit has not posted is error. Each time, I am told call back tomorrow, call bacck tomorrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a problem with Equifax and XXXX not making it available to me what Mortgage score they report to mortgage companies and banks without my knowledge and consent. 

I am only able to see my mortgage score with XXXX but both Equifax and XXXX DO NOT make that number available to me, even though most banks and mortgage companies use that number to deny giving me mortgage loans or to qualify me for one. I believe this is a deception, and a violation of my consumer rights, especially since that information is used to deny giving me, and millions of other consumers, mortgage loans, or to qualify for buying a house. 

Credit reporting companies provide FICO scores, and my FICO score is GOOD with all 3 reporting companies, but XXXX is the only company that provides a mortgage score to consumers, however, both Equifax and XXXX maliciously " HIDE '' that number from consumers, even though they know their action will harm consumers. 

Mortgage scores should be not be " invisible or hidden '' from consumers because banks and mortgage companies rely on that score to give, or deny, giving mortgage loans to consumers, and they harm American citizens from their rights to purchase a home. 

I have been trying to qualify to buy a home for me and my family for the past 5 years, but, I have been denied every time because hidden mortgage scores and other info. are not available to me by Equifax and XXXX, and most banks and mortgage companies use the " HIDDEN '' numbers from Equifax specifically to deny giving me a mortgage. I can not fix, or improve, information and scores hidden from me, but is also used against me to deny me benefits and credit. 

By keeping the mortgage scores hidden, Equifax and XXXX DO NOT update, or correct scores and information regularly because consumers don't have access to that score, therefore, consumers can not dispute or challenge the incorrect information given to banks and mortgage companies. 

This is a violation of my fair credit reporting act, FCRA, and the consumer protection agency is responsible for enforcing our FCRA rights. 

Thank you
Product: Credit reporting or other personal consumer reports

Please check the information concerning the equifax data breach below in attachment.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I sent XXXX Ethereum [ {$5000.00} at the time ] to a smart contract from my Coinbase account, which failed, resulting in the money being sent back to my coinbase account. However, the wallet which it was sent back to belongs to Coinbase, and Coinbase has yet to place the funds back into my account. To date, XXXX has not sent me my funds back. The transaction Id was XXXX [ viewable at XXXX XXXX XXXX   ] The funds were sent back to XXXX XXXX XXXX where they still sit to this day. 

I have been unable to get Coinbase to rectify this matter. It should take about 3-5 minutes total for them to move the funds from this wallet to mine. It is unacceptable for this delay in time regardless of how " overwhelmed '' they are.
Product: Mortgage

I was told to leave my home on XX/XX/2020 because of foreclosure. The company only gave me 30 days to leave the property. I filed a motion for 130 days which I was refuse because I needed time to find a place to live. The company name Freedom Mortgage. If you could help me. I am homeless now.
Product: Credit reporting or other personal consumer reports

SS : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Urgent Request for Removal of Incorrect Information from Credit Report To Whom It May Concern, I am writing to formally dispute several inaccuracies in my credit report and request the immediate removal of incorrect information. Upon thorough review, I have identified multiple discrepancies, including erroneous names and addresses that do not pertain to me. 

Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX As a past victim of identity theft, I am particularly vigilant about maintaining the accuracy of my credit profile. These inaccuracies not only misrepresent my personal information but also pose a serious risk to my financial standing and creditworthiness. I affirm that the names and addresses listed above are not associated with me. My correct name is XXXX XXXX XXXX XXXX, and my current address is XXXX XXXX XXXX, XXXX, GA XXXX. 

To ensure the integrity of my credit profile, I request that XXXX conduct an expedited investigation and remove the incorrect names and addresses from my credit report. These errors are compromising my credit profile and could potentially lead to further issues if not addressed promptly. 

Enclosed with this letter are copies of the following documents to verify my identity and current address : Government-issued ID Recent utility bill Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute and correct any inaccuracies in my credit report. I expect XXXX to address these discrepancies with the urgency they warrant and to confirm in writing once the corrections have been made. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Please confirm receipt of this dispute and the steps being taken to rectify these errors. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : Copy of government-issued ID Copy of recent utility bill
Product: Credit reporting, credit repair services, or other personal consumer reports

As per my request for full VALIDATION OF THE DEBIT submitted through XXXX ( ref no. XXXX ) the JEFFERSON CAPITAL SYSTEMS XXXX XXXX ), the Collection Agency merely stated that it was verified without providing any proof about any of my authorization for the purchases or services. 

I have contacted the credit bureau to VALIDATE the charges as a result of me not having a signed contract with the company. However, the item is still on my credit report. I would like to have this removed from my credit report.by reporting bureaus.
Product: Credit reporting or other personal consumer reports

Again, I do this. I wish you have a way for us to draft any case we start. I have to start this all over! 

XXXX had not removed or updated my information. Again, I said I never order anything from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and recent new one in XX/XX/year> from XXXX XXXX XXXX What the heck?! I had no desire to buy anything onnXXXX XXXX! I am puzzled! XXXX needs to stop assume thinking I asked for somethign. I did not! 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX was paid on time. No information in my credit report. Another, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was not mentioned neither. Paid onntime for the space on time! XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX was also not mentioned. I paid for the room on time! 

XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX was not apt I lived at! It was only mails to arrive n for me to pick up. 

Lastly, XXXX and 2 other bureaus assumed so poorly. That is why I suggest you to shut down all 3 bureaus! XXXX said since I lowered the loan, it affected my credit record. What?!?!?!? It is XXXX XXXX who ripped me off by selling me a lemon truck! I asked them to refund and they did not, but for some unknown reason, the loan reduced. They never communicated with me. Though here is the proof of cancelation request form that I asked them for since they sold me a lemon truck and death of my service dog. 

XXXX needs to stop assume and allowd all other affect my credit record. To my knowledge, I dont know why XXXX reduced. They were aupposed to give me a check of over {$5000.00}. XXXX did not add more positive points. It slowly raised and is unacceptable. XXXX and other bureaus are biased and always had been.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAArights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX Amount : {$610.00} XXXX XXXX XXXX Past Due Amount : {$210.00} Dispute XXXX XXXX XXXX Past Due Amount : {$140.00}