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

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The was an illegal inquiry/pull of my credit report by XXXX XXXX in XXXX. Corelogic is displaying illegal and allowing illegal use of my credit report. I don't have and never had account with XXXX XXXX or giving anyone permission to pull my credit report or put anything on it which is supported by attachments. Even after XXXX XXXX sent letters that acknowledged this XXXX  and core logic continues to display illegal innacurrate information. Information remains on report in relation to illegal inquiry. Also corelogic stated that I requested a fraud alert and also that they sent me a letter. That is absolutely false. I already had fraud alerts and blocks on my credit report because of fraudulent activity. They never sent me a letter, they just using that to cover there XXXX. My name, social security number, and address has not changes ever. All the same. All documents have been attached including XXXX acknowledgement of illegal account and the request to delete it from XXXX  corelogic, false statements made on behalf of corelogic and fake letters they said they sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a dispute in regards to the in the inaccuracies on my report it has been well over 30 days!
Product: Checking or savings account

ROBINHOOD has put a restriction on my account as of XX/XX/2021. 

I have sent repeated emails to them daily and I keep getting the same response, ( 1-3 ) days! 

No one has reached out to me. Nobody has called or returned any of my emails. They have restricted me from purchasing shares and withdrawing my money but not from depositing money. 

My life savings is in that account and I'm suffering from alot of anxiety. 

Is this legal? How can they hold someone's money like this? How can you help me in this situation?
Product: Mortgage

We filed a complaint with the Consumer Financial Protection Bureau, case # XXXX. Fifth Third Bank ( 5/3 ) has not addressed all of my issues with the case. Fifth Third has completely ignored my request for backing data as to how they have concluded the amount of PMI overpayment. 

While Fifth Third forwarded us a check for fraudulently collecting PMI insurance from us. We have not received the justification for the amount that they have refunded us. 

We believe this is only a partial refund of the amount due to us. Fifth Third stated that they have " provided a refund of all PMI payments made since XX/XX/XXXX ''. We have asked for backing documentation to justify the date which Fifth Third determined our PMI overpayment, and by extension the justification of the refund amount. We have not received this information. 

It is highly irregular that while 5/3 Bank gave us the run around and ignored or outright lied to us about the process to drop PMI on our mortgage for 6 years, when we filed a case with the Consumer Finance Protection Bureau, magically, they concluded that our PMI should have been dropped. 

Our original loan 's PMI insurance was due to be automatically dropped by XX/XX/XXXX with 5/3 bank. 5/3 bank seems to have a scheme to overmarket and push pre-approved refinancing offers as a means to extend their profits, all in the guise of saving their customers money. With this refinancing scheme, and XXXX ignoring our continued requests to drop PMI ( violating HPAs disclosure and notification requirements ), the refinancing of our loan would have had us paying PMI on our loan until XXXX of XXXX on a loan that was originated by the lender on XX/XX/XXXX. That would be 20 years of PMI payments on a 30 years loan. 

Fifth Bank and by extension CFPB has closed our case, as Fifth XXXX determined our case " closed with explanation ''. They never gave us the documentation we requested as to how they arrived at the refund amount or date in which they determined our PMI should have concluded. 

Yet again, when asked for transparency and information, 5/3 is ignoring our request for the data for the amount of our PMI overpayment. We believe Fifth third has only issued us a partial refund for PMI overpayment. Fifth Third stated that " After an additional review of your account, we provided a refund of all PMI payments made since XX/XX/XXXX '' We believe there is a discrepancy of approximately two years of PMI overpayment or about {$3200.00}.
Product: Debt collection

Frederick J. Hanna & Associates , P.C . Attorney XXXX XXXX XXXX filed a Civil Action against me and was awarded a Judgement because they falsified the Affidavit Of Service stating XXXX XXXX XXXX served me the Summons by serving my wife. I 'm not married and was not living at the address where they claim the Summons was served. The date of service was XXXX and I moved from the resident on XX/XX/XXXX as documented in the enclosed attachments. The Plaintiff was awarded a Judgement of {$2400.00} plus attorney fees, interest and court costs. The amount is now {$4400.00} and a Judgement on my credit. As result of the Improper Service of the Summons, I was unaware of the Civil Action against me and did n't have the opportunity to defend the charges against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to dispute all negative reports on my credit report. I understand that the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) requires that any information reported about me must be accurate and complete. 
I have reviewed my credit report and found several inaccurate and incomplete reports. I am requesting that you investigate and remove these negative reports from my credit report. 
I have provided the following information to support my dispute : 1. XXXX XXXX XXXX, this has been paid off and resolved. 
2. Hard Inquiry of XXXX XXXX XXXX on XX/XX/2021, there was a double pull on my XXXX Credit Report. 
3. Hard Inquiry of Advantage Credit Inc, on XX/XX/2021, there was a double pull on my XXXX Credit Report. 

In accordance with 15 U.S.C. 1681, I am requesting that you investigate my dispute and remove these negative reports from my credit report. Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  A Account number XXXX XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you REMOVE the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The late payments in questions are associated with the following account - I request closed accounts to be removed Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX  XXXX opened XX/XX/XXXX and shows late payment. Account name XXXX XXXX XXXX : I wish to emphasize my committed to fair and accurate credit reporting these late payments have had a significant impact on my credit worthiness and have caused me undue financial hardship and emotional distress. The only way a corporation can possibly report a payment as late falls under 15 U.S. Code 1666b - Timing of payments. The FCRA 15 USC 1681a, 15 USC 1681s-2, 15 USC 1681n and Timing of payments 15 USC 1666b , Consumer request the Deletion of all transactions listed as late on their consumer reports.
Product: Checking or savings account

My account was frozen and it also was closed.I had problem with my account being with someone withdrawing money out of my account
Product: Credit reporting or other personal consumer reports

Demand for Removal of Incorrect Bankruptcy Public Record from TransUnion, XXXX, XXXX Dear FCPB Complaint Department, I am writing to demand the immediate removal of a bankruptcy public record that has been incorrectly reported. XXXX has already removed this record as requested, but TransUnion, XXXX, and XXXX have not complied. This inaccurate information is severely impacting my ability to obtain credit. 

Per the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c ( a ), any negative information on a credit report that is inaccurate or outdated may not be used against the consumer in determining or denying access to credit. Additionally, both the Bankruptcy Court of Delaware and the Bankruptcy Court of Colorado have explicitly clarified that they do not report to any credit bureaus. It is considered fraud for any third party to report such information without the consumers written consent. 

Furthermore, all public reportingincluding public records, registrations, property records including court and traffic citations, and credit usageis not authorized without the consumers explicit written consent. As a consumer, I am entitled to a credit score of XXXX across all bureaus at all times. 

Given that this record is incorrect and may have been reported fraudulently, I demand that TransUnion, XXXX, and XXXX remove it immediately to prevent further harm to my creditworthiness. 

I also seek compensation for the harm caused from XXXX to the present. I was specifically denied a credit line from XXXX XXXX on XX/XX/XXXX due to this erroneous bankruptcy record. 


Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account multiple times with Experian. I have sent them the receipt showing this item was paid and should not have been reported as a charge off. I am a current customer of web bank and was told by them that Experian is reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I sent in my police report and my FTC affidavit to the three credit bureaus. I called last month and spoke to XXXX, XXXX, and Equifax fraud department who asked me to send in my fraud package. After sending them they did not comply with anything and said they dont have to block the fraudulent account even after providing them a police report and FTC XXXX The sent me some generated letter saying if I want to block the fraudulent account to send in the Police report affidavit that I have already sent. I spoke to XXXX who was in XXXX who said he was from the fraud department integrity team and stated that he didnt have to follow the FCRA rules and regulations. I explained that I received a letter saying if I wanted to block the fraudulent information under the Fair Credit Reporting Act Section 605N to keep sending in my police report. I have done everything in my power to fix this fraudulent information that has caused me a great deal of damage and embarrassment. Also with XXXX XXXX deformation of character by accusing me in the generated letter stating that my police report was not filed when in fact it is filed with the police department. 

XXXX XXXX XXXX
Product: Checking or savings account

I opened an account with a XXXX  site and spent about {$200.00}. 
Within about a month I was missing close to XXXX which was charged by the site in numerous transactions that I did NOT authorize All of these transactions occurred in XXXX of this year. 
I filed a complaint with Chase bank and they returned almost XXXX back to my account but I'm still missing almost XXXX. Two transactions were for XXXX and I wasn't notified or called by Chase bank to ask if it was me that was making this purchase, they just continued and approved all of the purchases. I have been really stressed out about this and even tried to commit suicide once because I'm backed up with my rent, utilities and all other bills. 
I am not happy with Chase bank for letting this happen and when I called their fraud department again they basically said that they were dismissing my case. I don't know what to do anymore but I want this resolved before I do something crazy. I need my money.
Product: Credit card or prepaid card

XXXX XXXX is at fault for this issue. 
I use the card to pay my rent and twice I have payed the rental company directly ( Cashiers Check ). But XXXX has made a rental charge on my account for the rent twice. So I pay directly to the company and XXXX charges me without my approval to my card. Who is stealing here? I have gone to the rental company 's management and they say I am up to date with payments and that there is no issue on their side. XXXX has also been charging me penalty fees which has added up. I have called XXXX 5 times and XXXX person could not help at all and the other 4 times I have been hung up on. This treatment and is unacceptable and how are they able to charge me for something that I have already paid for in cash???? I have emailed XXXX and waiting for response. I don't expect any response back due to there customer service I have experienced...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15USC1681 Section 602 : States I have the right to Privacy. 15USC1681 Section 604A section 2 states : also reports that a consumer reporting agency can not furnish an account without my written authorization. Under 15USC166B ; A creditor may not treat a payment on an account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOT RECEIVED VALADATION NOTIFATION BY MAIL OR ELECTRONIC PRIOR TO REPORTING TO MY CONSUMER CREDT REPORT FOR COLLECTION AGENCY LISTED BELOW : XXXX XXXX XXXX {$270.00} IF YOU CLAIM TO HAVE SENT IT YOU MUST PROVIDE PROOF OF ME RECEIVING IT, BECAUSE YOU DON'T HAVE PROOF UNDER THE LAWS OF THE FDCPA, YOU MUST REMOVE IMMEDIATELY OFF MY CONSUMER CREDIT REPORT AND AWARD ME {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 u.s.c 1681 section 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: Prepaid card

I purchased XXXX gift cards from XXXX. When I tried to use them later my purchases were declined. I checked my balance on each card and they had all been used up. I immediately contacted XXXX for assistance and they told me they would take 4-6 weeks to investigate and get back to me. They also asked me to send in multiple documents and proof of purchase. I did all that. 

As of now I 've only received the funds back on only XXXX of the cards. I 've tried asking for updates on the other XXXX cards but I still get quoted the same line : " please wait 4-6 weeks for our investigation to finish. '' When I tell them that I already did, they do n't have much to say, but apologize that " they understand. " I do n't know why it 's so difficult to get in touch with the appropriate people at Blackhawk. The only number I have reaches people who never know what 's going on and simply tell me to sit tight. Is this how consumer protection works? I sent in all the documents they asked and did so properly.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX, XXXX NV XXXX XXXXXXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : XXXX XXXX Bank Account # XXXX Routing # XXXX XXXX XXXX Bank Account # : XXXX Routing # : XXXX XXXX XXXX  Account # : XXXX Routing # XXXX XXXX XXXX Account # : XXXX Routing # : XXXX Fifth Third Bank Account # XXXX Routing # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : XX/XX/XXXX ) Account # : XXXX Routing # XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XX/XX/XXXX Account # XXXX Routing # : XXXX XXXX XXXX  ( Open Date XXXX XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX Bank ( Open Date XXXX XX/XX/XXXX ) Account # XXXX Routing # XXXX XXXX XXXX XXXXk ( Open Date : XX/XX/XXXX ) Account # XXXX Routing # XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX Account # XXXX Routing # XXXX XXXX XXXX ( Open Date XX/XX/XXXX XXXX Account # XXXX Routing # XXXX XXXX XXXX  ( Open Date XXXX XX/XX/XXXX ) Account # XXXX Routing # XXXX XXXX XXXX  ( Open Date XXXX XX/XX/XXXX ) Account # XXXX Routing # XXXX XXXX XXXX ( Open Date XXXX XX/XX/XXXX ) Account # XXXX Routing # XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XX/XX/XXXX Account # XXXX Routing # XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XX/XX/XXXX Account # XXXX Routing # XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # XXXX Routing # XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # XXXX Routing # XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Mortgage

Eight weeks from the writing of this letter my husband and I began the process to request a corrected discharge of our home mortgage with US Bank # XXXX which was paid off in XX/XX/XXXX. The title company is refusing to close over the error despite us showing evidence of it being paid years ago. In contacting customer service multiple times over that period we were finally provided two email address to use to try and resolve the issue : XXXX ; XXXX We got a response from XXXX on XX/XX/XXXX and after several days of research they told us they could not help us on XX/XX/XXXX. They then forwarded that email to the " Non-Purged '' address and we have yet to hear despite the claim that they would get back to us within two weeks. I've sent two follow up requests to the Non-Purged box with the same results. 
This experience has been incredibly frustrating and could end up in injury to our personal finances as it is jeopardizing the sale of the property. We have had to convince the buyer to now extend twice. We do not know if we can convince them a third time. We have also filed a compliant with the office of the CEO over a week ago and have hear nothing. 

Please help us resolve this matter immediately. We need to sell this property. Thank you.
Product: Vehicle loan or lease

Bought a XXXX  XXXX XXXX from XXXX ( XXXX ) put down $ XXXX and purchased extended warranty for {$35000.00} months later I get the car appraised and the best offer Ive got so far is XXXX, canceled the extended warranty and all I got back is $ XXXX.This is all in 6 months Big rip off Mechanical issues Tires are bad
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account several times over 2 years and nothing has been done.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, Paxful banned and froze my account over a dispute that I did not agree with regarding the final verdict. That aside, they said my funds would be available after 365 days which is already a ridiculous amount of time to freeze an account. However, there was nothing that I as a consumer could do, as their customer service did nothing to help. I reached out once the 365 days were over and they are still keeping my funds frozen due to " account review '' without any further information nor timeline to resolving the issue. This is a very long ( unlawful ) amount of time to holding on to my money without any reason to. I have contacted their customer service multiple times and I have not gotten any meaningful response.
Product: Checking or savings account

Citizens Bank according to the XXXX XXXX  says i opened an account and overdraft but the time the account was opened and had those issues i wasn't living in that house i have no knowledge of that account and now i can't open a bank account and citizens let me open a bank account three months ago then closed it the account and tooky money i put down to open account and refuses to give me.any information even after i told them i never opened a account there
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case