23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I filed a dispute for an unauthorized charge on XX/XX/21 for {$5000.00} to sears Home Improvement account. I provided all infromation required and have followed up with the credit card. I was initially informed it would be resolved within XXXX billing cycles after the complaint was filed, however has been over 90 days and the credit card company has not resolved it. They keep on telling me that the merchant, who made the unauthorized charge has not responded and that I have to wait until they reply. As mentioned before, ti has been over 90 days since the complaint was filed, today is the 93 day and this has not been resolved. As per federal law, it is my understanding that if it is not resolved within this time period, then I am not responsible for the charge.
Product: Debt collection

I was received an offer from Portfolio Recovery Associates LLC on behalf of XXXX XXXX XXXX to pay off the debt in full in order to have the account removed from my credit report. i have attached a copy of the correspondence from Portfolio Recovery Associates LLC on XX/XX/XXXX stating the account will be removed within 30 days however, the account balance was paid in full in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine but is reflecting on my credit reports. 

XXXX XXXX XXXX  Acct # : XXXX Opened : XX/XX/2019 Amount : {$32000.00} They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX XXXX  any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Product: Credit card

I have a Home Depot Credit Card. I noticed that there was a {$2.00} interest charge that had been added. I called and was told that it was a mistake and they removed the charge. My concern is that how many people have " inadvertently '' had the {$2.00} charges added and did not notice it and paid it. I just want you to be aware that this happened in case it is a regular occurrence to scam customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account 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 Acct without my written instructions. 

Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so perplexed and doubtful about this situation. TransUnion has not been act in accordance with the Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the account listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored this document. They claim they verified the accounts without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need this account blocked/removed from my credit file per FCRA. The account is as follows - XXXX XXXX XXXX XXXX Date Opened : XX/XX/2008 Balance : {$49000.00}
Product: Debt collection

advised company this is a fraudulent account its not mine 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 oclock antemeridian and before 9 oclock postmeridian, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX  XXXX Account Number : XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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 am filing this complaint out of desperation and frustration with Wells Fargo Bank Home Mortgage Department and seeking your assistance to get the information to the credit agencies reported correctly. 

After a month of trying to have Wells Fargo correct their reporting information to XXXX and XXXX, I sent an email on XX/XX/2019 to their Board of Directors. To date, the matter not only has not been corrected, but the changes made are worse. 

The outstanding balance has increased, the last payment now is XXXX and no data for XXXX with no record yet for XXXX. 

Any assistance in this matter is greatly appreciated as our credit rating has dropped from over 800 to low 600 's due to Wells Fargo inability to correct this situation even though they agree we are current. 

I have attached documents from Wells Fargo showing all payments and a copy of one of the credit reports showing incorrect balance, wrong last payment and payments not made.
Product: Mortgage

To whom it may concern : I am writing to formally request the refund of my earnest deposit of {$500.00} that {$100.00} of it was withheld after I decided not to proceed with the mortgage loan process through Rocket Mortgage. 

The experience with the LO was highly unprofessional and him trying to coerce out of a better contract to line his pockets better is atrocious. I had to have family who work in the real estate industry to advise me, if I did not know this I would've been taken advantage of. 

Upon reviewing the terms of our agreement, I find no specific provision that authorizes Rocket Mortgage to retain part of my deposit. The agreement vaguely states that the deposit may or may not be refundable depending on the status of your loan. However, no appraisal or credit report had been completed, and no other substantive services were provided at the time I withdrew from the process. 

Given this lack of clarity and service, I am requesting a full refund of my deposit. Please provide a detailed explanation, in writing, for why the deposit was withheld and on what grounds Rocket Mortgage believes it is entitled to retain these funds. 

I chose a better mortgage option with that better aligns with my financial situation better sets me up for the future. 

Thank you for your attention to this matter. I look forward to your reply.
Product: Credit reporting 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 XXXX 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 THE FOLLOWING RULES HAVE BEEN BROKEN.

15 U.S.C. 1681 Section 602 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 item of information. Any other adverse item of information, other than records of connections 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 reporting, credit repair services, or other personal consumer reports

XX/XX/2023 began disputing credit report. XXXX, XXXX XXXX, Equifax et al have reported inaccurate information on credit report and have not deleted information reflecting an accurate credit score.
Product: Debt collection

They are trying to collect a debt that is so far beyond the statute of limitations its laughable. Please advise You have an account with XXXX XXXX XXXX. The original creditor was XXXX ( South Dakota ), XXXX. with an account number ending in XXXX. The address on file for you is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX. 
As of XX/XX/XXXX you owed {$1500.00} Between XX/XX/XXXX and today You were charged this amount of interest + {$340.00} You were charged this amount in fees + {$0.00} You paid or were credited this amount toward the debt - {$0.00} Total amount of the debt now {$1800.00}
Product: Debt collection

The credit report shows : MIDLAND FUNDING original creditor : XXXX XXXX collection debt : {$660.00} date open : XX/XX/XXXX contact info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted the credit bureau in XXXX after realizing that there I had been a victim of identity deft. There was multiple accounts open under my name. My identity was compromised when I became homeless for a period of 3 years from XXXX in XXXX XXXX XXXX XXXX I have been contacted by the above creditor. I have challenged their collection debt as the debt was not made by me. I was able to resolve all of the other unauthorized accounts that were open under my name except the aforementioned. 

I would like to obtain you assistance in this matter as I have made several direct attempts to resolve this issue with no avail.
Product: Mortgage

I have a partial claim on my mortgage which was fully notarized into being earlier this year. They told me at the time of getting a partial claim that they would be able to lessen my monthly amounts to make my home affordable. That did not occur. My payments were {$1800.00}. Then after the partial claim it is XXXX per month. I just received a letter in the mail indicating my payment is now going to be over {$1900.00} due to escrow shortage. I do not understand how this is sustainable or fair. My house payment is more than XXXX percent of my income and has always been this high from the time I got it in XXXX of XXXX. This isnt sustainable. I am a father of XXXX and we are struggling meeting our mortgage which is way too high. It is my belief that our mortgage company is predatory and has taken advantage of me
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX  XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX  - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

INQUIRY - XX/XX/XXXX -. 

INQUIRY - XX/XX/XXXX -. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX  - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX  - XXXX - Please delete this item immediately. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

INQUIRY - XX/XX/XXXX - XXXX XXXX, Experian, and XXXX have 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 data is inaccurate.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Product: Checking or savings account

My funds were being taking out of my account without my acknowledgement..
Product: Credit card

I have had an account for several years with XXXX, now Synchrony Bank. They are reporting to XXXX Credit Bureau XXXX Inquiries as 'regular inquiries ' rather than " account review ' inquiries. This is lowering my credit score. I have contacted XXXX and they tell me that I have to go to the company to have them removed. When I wrote to Synchrony Bank, I received no response. There is no reason for 'regular ' inquiries at all, muchless 'regular ' inquiries AND account review inquiries. They need to be removed immediately!
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following account on my credit report. 

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 XXXXXX/XX/year>
Product: Checking or savings account

XXXX XXXX shows that Bank Of America is on my consumer report. I have also received emails from BOA stating that I have an overdrawn account of {$5000.00}. I never made this transaction and never used the funds. I told BOA numerous times my account was hacked and my account was still closed. I have also uploaded a ledger from my power bill showing the date I started my service until current as requested
Product: Credit reporting or other personal consumer reports

I recently tried to delete an address on my report that I never lived at and experian deleted my actual address instead.
Product: Checking or savings account

On X/X/2017 We made a purchase at XXXX for {$9.00} We were unaware that our account had a negative balance of $ ( -XXXX ) ( which was caused by the monthly fee of {$6.00} the bank charges every month ). Even though the account was negative, US Bank approved the charge for {$9.00}, causing the account to overdrawn even more to end up with a new negative balance of ( - {$12.00} ) On X/X/2017 US Bank charged an outrageous fee of {$36.00} because the account was overdrawn and they also charged a {$25.00} for extended overdraft, leaving us with a new balance of $ ( -XXXX ). US Bank never attempted to inform the account was overdrawn. We did n't receive any emails, text, letters or calls to notify us. Then on X/XX/2017, X/XX/2017, and X/XX/2017 US Bank decided to keep charging extended overdraft fees for the amount of {$25.00} each. We ended up with a negative balance of $ ( -XXXX ) on X/XX/2017. This is the most expensive trip to XXXX I 've had, and we only buy coffee there very rarely. I wish the card had been declined at POS. Please help us solve this. It is ridiculous to get charged a total of {$130.00} in overdraft fees for a charge of {$9.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Fraudulent applications were submitted with my personal information to XXXX XXXX XXXX and XXXX XXXX in late XX/XX/XXXX. As a result, there are related inquiries showing on my TransUnion credit report. On XX/XX/XXXX a dispute was submitted to TransUnion on my behalf against these fraud-initiated inquiries. Since that time, XXXX subsequent disputes have been sent on my behalf. However, as of today ( XX/XX/XXXX ) these fraud initiated inquiries continue to report on my TransUnion credit file.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXX XXXX  Proxy of : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX ( full account # not rendered to consumer upon requests ) Represented by Mandarich Law Group , LLP XXXX XXXX XXXX XXXX, IL XXXX Acct # xxxxxxx The above Law firm on behalf of the XXXX XXXX XXXX by proxy of XXXX  XXXX, failed to provide the requested and required information as outlined by consumer laws, when the respondent/consumer requested such by way of ( Demand for Validation and Proof of Claim ) sent to such XX/XX/XXXX of XXXX and signed for/delivered upon XX/XX/XXXX of XXXX. 

The above Law firm on behalf of the XXXX XXXX XXXX by proxy of XXXX  XXXX, failed to provide the requested and required information as outlined by consumer laws, when the respondent/consumer requested such by way of ( Verification of Debt Final Request ) sent to such XX/XX/XXXX of XXXX and signed for/delivered upon XX/XX/XXXX of XXXX. 

No response was received yet the represented and their law firm proceeded to file law suite against the respondent/ consumer. Notice of such was not made to respondent/ consumer until 20 days after lawsuit was filed, filed upon XX/XX/XXXX by fax, notice upon XX/XX/XXXX given to non-respondent/ consumer at personal residency. 

The above represented and representative law firm did eventually reply by mail to all requests but not until late XXXX of XXXX, their response documents were vague, and reputative of incomplete and unverified documentations. They fully failed to provided the true, full, and accurate account or accounts numbers, ( provided only redacted or partial ). They fully failed to be truthful or provide the full and unaltered amount of what they paid to obtain respondent/ consumer 's debit account. 

The above representative law firm also failed to fully, truthfully, or actually provide a full unedited or actual copy of the respondent/ consumer 's " wet ink '' signature upon an valid agreement between the collector and consumer/ respondent. Thus, these are just a few examples of the full failures to comply with lawful requests and lawful requirements under the Federal and Local level consumer protections acts. 

Yet the above law representative of these collection agencies and agents still pursue lawsuit claims and unfair credit reporting tactics, reclaiming the old account as an active account on a monthly basis upon the consumer/ respondent 's credit profiles.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX