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

I am writing to express my dissatisfaction regarding the tardy handling of the opening of my account with Credit Bureaus. I submitted all the necessary documentation and fulfilled the requirements for the establishment of an account, yet to my dismay, there has been an unacceptable delay in its processing. 

As a new client, I anticipated a prompt and efficient response from your esteemed company. However, the prolonged delay in opening my account has caused inconvenience and frustration on my end. I have been eagerly waiting to commence business transactions with your organization, but the delay has hindered this process significantly. 

Given the circumstances, I kindly request that you expedite the processing of my account opening without any further delay. Time is of the essence, and I trust that you will prioritize this matter accordingly. Additionally, I would appreciate timely communication regarding the status of my account and the steps being taken to rectify this situation. 

Please understand that my dissatisfaction stems from the lack of promptness in resolving this matter, and I hope that you will take the necessary steps to rectify the situation promptly. I value the potential partnership with your company and believe that swift action on your part will help restore my confidence in your organization. 

I look forward to a swift resolution to this matter and the opportunity to commence business with your company. I am asking for your assisstance to correct this account in my credit file : XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is a company that is steady harassing me and negatively impacting my credit with a fraudulent account opened in my name due to identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account was added to my Transunion credit report on XXXX/XXXX/XXXX. By collection company called XXXX for the amount of {$1600.00}. A debt that has already been paid for by my insurance company back in XXXX. Placing the account at a zero balance. Although this account has been paid. The collection agency keeps reselling the account. Causing it to repair on my credit report. It is unlawful for a credit reporting agency to report inaccurate information on a consumer credit report. Ive contacted Transunion on numerous occasions regarding ths matter. Not only were their dispute department representatives rude. But they refuse to help me get this issue resolved resulting in me filing a complaint with your agency. The account was originally handled by XXXX XXXX who later sold the paid medical account to XXXX.
Product: Debt collection

Midland Credit management is collecting on a fraudulent debt. The original creditor that the collection agency is attempting to collect on behalf of is a fraudulent debt that resulted from my identity being compromised. With my complaint I am attaching copies of my DL, SSN, Identity theft affidavit and a copy of the certified mail that I sent to the collection agency who never responded and continued to report to the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

My information was compromised in a data breach. I also have accounts I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, XXXX and TransUnion on ( date of 609 letter ) regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over ( date since 609 letter was sent ) and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Mortgage

I have submitted numerous loan modification packages to Nationstar Mortgage and keep receiving requests for additional information even though Nationstar has received complete packages. I do not have a specific customer relations manager assigned to work with me. When I call I am transferred to whatever worker is available.
Product: Money transfer, virtual currency, or money service

Cashing a Huntington Bank check, drawn on a Huntington Bank account, and was charged {$10.00} by Huntington Bank, because I do not have a Huntington Bank account. 

This is complete XXXX.
Product: Credit card or prepaid card

I made a purchase through Amex travel co and charged to Amex credit card. Due to industry issues and Covid, the flights changed. I was unable to make those changes. I attempted to contact Amex travel multiple time, and they were not responsive ( understandable given industry issues ). That said, I contacted Amex card services to dispute the charge because services were not delivered and they were not responsive. The problem is that Amex card services would not allow me to dispute the charge with their own company. They couldnt help resolve, but would only refer me back to travel company, who was unresponsive. I had to press for days and hundreds of lines of chats for them to finally submit a dispute. I feel strongly that they inappropriately tried to block my rights because it was within their family of companies. I have many, many chats with associates and supervisors that any reasonable person would agree with my claim. If I hadnt made it a process on principle, I do not believe Amex would have complied
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this company my dispute letter on XX/XX/XXXX. The letter i sent them explained in detail all derogatory accounts that needed deletion/removal from my credit file and why? I attached with it all the relevant documentation as evidence/proof of what I was disputing. 
But to my surprise, This company continued to report all the derogatory accounts without even investigating my claims. This letter is a written proof of my intention to find a resolution with this company without filing a lawsuit. As a result, I am ready to file suit if this company still continues to report this erroneous accounts. For yet another time, the following accounts are erroneous : XXXX ACC XXXX, Date Opened XX/XX/XXXX, Balance {$570000.00} XXXX ACC XXXX - Date Opened XX/XX/XXXX, Highest Balance {$31000.00} XXXX XXXX XXXX ACC XXXX- Date Opened XX/XX/XXXX, Balance {$12000.00} XXXX XXXX   XXXX ACC XXXX- Date Opened XX/XX/XXXX, Balance {$14000.00} XXXX XXXX XXXX ACC XXXXDate Opened XX/XX/XXXX, Balance {$7200.00} XXXX XXXX  XXXX ACC XXXX- Date Opened XX/XX/XXXX, Balance {$13000.00} XXXX XXXX XXXX ACC XXXX , Date Opened XX/XX/XXXX, Balance {$2400.00} I have Attached herewith the dispute letter I sent to this company on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

XXXX XXXX emailed me saying someone applied for hard inquiring on my credit report. Credit report shows JPMCB CARD on XX/XX/2023, I disputed it with them they said they denied them because my credit isn't good. But that's all they would tell me. It still has not come off my report and I have no idea what was applied for.
Product: Checking or savings account

XXXX app is holding my money without access because of limits they have. I should have complete access to all my funds at anytime. Their customer service was rude, disrespectful and unhelpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to pay XXXX  and they are unresponsive to emails. They have reported to Transunion, XXXX, XXXX  that my account is charged off.
They have also reported the account multiple times on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has requested a credit inquiry for times now.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  DE  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   DE   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   DE   XXXX   XXXX   and I just received ANOTHER credit inquiry from  XXXX   XXXX ,  XXXX   ( reference numbe r  XXXX  ). I have called them each time to have this removed because I did not request credit with them or  XXXX  ( which is what is on the denial lette r ). Ea ch time they state it will be removed but never is. I also filed a dispute with Equifax the last time in  XXXX  and they simply added a note to my account. I believe this to be fraudulent activity on the part of  XXXX  because they have been notified by me each time. I do not know what to do to have them cease this activity and it is impacting my credit negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found accounts on my report by XXXX XXXX XXXX I wrote all three bureaus and and XXXX   deleted one of the accounts I sent a letter to validate the ac oytns snd proof on who they were I never got back a answer now it's 60 days still nothing and they will bot delete these accounts from my credit They are on all three credit bureaus for collections This company is showing two accounts that they will not validate or show any proof od who or what they are
Product: Credit card or prepaid card

On XX/XX/2019, I did a promotional balance transfer from a Carnival Master Card issued by Barclay. The balance transfer was never issued to my Visa. I was charged the transfer fee of XXXX and the transfer amount of XXXX. I begin making calls on XX/XX/2019. They informed me the balance transfer number was wrong and is being investigated. They informed me the issue would be resolved in 30 days. I called back XX/XX/2019. They informed me they have expedited my issue and it should be resolved 24/48 hours. They told me to call back on XX/XX/2019. I waited and called back XX/XX/2019. The person I spoke with said it will take 30 days to be resolved. I explained to them it has already been a month and a half. He hung up. I called back spoke with another person. I requested a supervisor. I was told it will take 24/48 hours. I am concerned this transfer is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information, which may have been compromised by a data breach. I was listed as potentially impacted by the breach on www.equifaxsecurity2017.com.
Product: Money transfer, virtual currency, or money service

Times I sent money by Zelle & money was sent to the wrong person due to association of the number link to their account
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment with the ongoing issue concerning the removal of fraudulent items from my record, despite my fifth attempt to rectify the situation. Despite providing comprehensive evidence and diligently following the prescribed procedures, it is deeply concerning that the problem persists without resolution. Despite my persistent efforts to address this matter, it is disheartening to encounter continued obstacles and delays in achieving a satisfactory resolution.

I urge you to prioritize this matter with the utmost urgency and take immediate steps to remove the fraudulent items from my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to remove the items : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3100.00} 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, credit repair services, or other personal consumer reports

in accordance with the fair Credit Reporting act. The list of accounts below has violated me federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Equifax : XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, EQUIFAX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX has violated my rights . 

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

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of imformation any other adverse item of imformation, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any imformation relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the imformation is inaccurate.
Product: Mortgage

On XXXX XXXX 2015, I went to chase bank on XXXX florida and made a payment to my mortgage and returned back home, as soon as I get home I received a phone call from my small brother who told me that my father who was on vacations in XXXX was rushed to hospital and pronounced dead two hours later. I traveled overseas for his funerals and came back, that situation put me in a very difficult time to pay my mortgage for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I went to same chase bank on XX/XX/XXXX with XXXX payments the bankers told me that they can not receive any payment at that time for my mortgage and then told me I have to call financial dept. I returned to the same branch with XXXX months payments where I was behind 5 months, they told me to contact the financial dept and they stated that I have to call their lawyers to ask for reinstatement of my loan. I did call them, i requested a quote of reinstatement for my mortgage they sent it to me ask me to pay {$5400.00} for my mortgage plus {$3100.00} for lawyers fees by XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. He received a letter from XXXX XXXX   confirming an application was submitted with his information without his consent. This account has been reported to XXXX, XXXX  and XXXX. An official dispute of this inquiry was mailed certified with return recipe tto SYNC/XXXX  however as of this date no reply from XXXX XXXX has been received. This is a violation of the FCRA and my client 's consumer rights.
Product: Money transfer, virtual currency, or money service

There were two payments that were made through XXXX in my banking account ( {$350.00} and {$150.00} ) for a product on XXXX XXXXXX/XX/XXXX, which ended being a scam in the end. I have tried talking to the Chase bank about this but I was told that there was nothing that they could do to help me or assist in getting my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 

XXXX XXXX XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXX  Balance : {$200.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX  Balance : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of these inquires and 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: Mortgage

Washington Federal was push on us by XXXX XXXX XXXX. We applied for a loan in XXXX and were approved. Fairway homes has a XXXX price lock which they do not specify that they have they right to eat up the days themselves. In our case XXXX took about XXXX of the 120 days. At this point WaFed ( Washington Federal Bank ) was telling us everything on our loan was ready for underwriting no issues. We get to the last few weeks and have met every deadline for XXXX XXXX this is where things got sketchy. WaFed kept telling us our loan was in underwriting everyday. They knew that the builder wanted to increase our loan by XXXX XXXX. We ask to speak to underwriting they say no they are in XXXX. At this point We were told we could waive our right to rescind and waive the XXXX day review of closing documents. We said if we could at least see some numbers we would consider. They would not send us any numbers for our loan. Here lies the problem XXXX is where the mother company for XXXX homes ( XXXX  XXXX ) who appears to also be the prefered lender WaFed. It seems like they did not finish the loan as a favor to XXXX XXXX XXXX in order to allow the price increase. There was nothing they needed from us. We asked multiple times what the problem was we requested someone in management to call no response.
Product: Mortgage

Mortgage statements have disappeared from my online account and Bank of America refuses to reinstate the access or send me copies of the missing mortgage documents.
Product: Checking or savings account

I use an app/company called XXXX XXXX to add money by electronic deposit into my account. Bank of America does not keep the amount in my account up to date. Sometimes it goes for days without updating. For example right now on the app it is showing my account to be {$20.00}, when in fact my balance is over {$1000.00}. The app sees that the balance is only {$20.00} and it causes delays in my deposits.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I am attempting to do a credit freeze on my Experian report but I am unable to access anything due to me having a subscription that isnt paid. I am unable to cancel the subscription or reach anyone via phone or email to cancel the subscription. 

The subscription started from a free trial that I was not able to cancel unless I called in to do so. When I attempted to call in there was no prompt to reach anyone via phone agent to cancel.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX number : XXXX XXXX number : XXXX XXXX XXXX number : XXXX XXXX XXXX number : XXXX XXXX XXXX number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX balance XXXX account number XXXX this account has been proving to be fraudulently open and the bureaus refuse to remove them I supporting ftc and police reports proving this are fraudulent and the bureaus will not remove this account it says closed and still actively reporting missed payments I dont understand I have the proof its fraudulent they will not remove it