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

I submitted XXXX and the CFPB closed it immediately without even investigating this. It was marked as a duplicate .... which is NOT. That was the first time I've submitted a complaint regarding the following company. SO PLEASE WHAT IS REQUIRED BY LAW and investigate the following information. 


On XX/XX/22 I sent a letter to CBO Collections to valid a collection account they placed on my credit report. It is now XXXX and they have yet to reply. They can not validate this alleged debt and it needs to be removed from my credit report.
Product: Mortgage

They just responded that they do not own this mortgage. XXXX XXXX XXXX They are in New Jersey. They are denying that they have my loan. Are you kidding me? So who am I paying. XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Loan # XXXX Since they are lying I want to file charges against them. This is the most dishonest company I have ever seen.
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 Account # XXXX account name : Dept of educationXXXX XXXX, has violated my rights. 

Account # XXXX account name : XXXX XXXX XXXX XXXX has violated my rights and is it applicable to me. 

Account # XXXX account name : XXXX XXXX, has violated my rights and irs not applicable to me. 


Hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A states that 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. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, I am writing to report a distressing incident of identity theft that has caused significant harm to my financial standing. It has come to my attention that someone has fraudulently used my social security number to open multiple credit card accounts without my consent or knowledge. The unauthorized activities conducted under my name have resulted in a series of negative items on my credit report, which are entirely inaccurate and detrimental to my financial reputation. I am deeply concerned about the potential long-term consequences if these fraudulent accounts are not promptly addressed and removed from my credit profile. I kindly request your immediate attention and assistance in investigating this matter. I have taken the necessary steps to file a police report and have notified the affected credit card issuers. I have also placed fraud alerts on my accounts with the major credit reporting agencies. Considering the severity of this situation, I implore you to take immediate action to remove all negative items associated with these fraudulent accounts from my credit report. This will help restore my creditworthiness and prevent further damage to my financial stability. I have enclosed copies of the relevant documents, including the police report and any other supporting evidence, to aid your investigation. Please treat this matter with utmost urgency and provide me with regular updates regarding the progress made in resolving this issue. I greatly appreciate your understanding and cooperation during this distressing time. I trust that your expertise in handling identity theft cases will enable a swift resolution to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the provided contact information. Thank you for your immediate attention to this urgent matter. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is fraudulent on my Acct # XXXX. XXXX/XXXX is fraudulent on my Acct # XXXX. 
XXXX is fraudulent on my Acct # XXXX. 
XXXX is fraudulent on my credit Acct # XXXX.
Product: Mortgage

I purchased a foreclosed property to renovate with a XXXX loan in XXXX of XXXX for $ XXXX in XXXX, Maine with Freedom Mortgage. I was given a HUD appointed consultant ( XXXX XXXX XXXX XXXX ) to release payments for quality work. My first contractor ( XXXX XXXX ) was inadequate after botching foundation repairs and was ultimately fired but was given money for things he didnt complete ( $ XXXX ). After waiting out a lien sign off refusal, the second contractors ( XXXX XXXX  ) started in XX/XX/XXXX. We had a plan to complete a downgraded version of the home but they did not consult town code enforcement before performing work which they were paid for ( $ XXXX ). The problem was first floor beams and foundation but they used most of the renovation budget on other things which left me with a half demolished home. I would have to ask for an additional $ XXXX to complete the home because of pandemic price hikes pushing the price of the home pass its value and my budget. I hired a lawyer to assist but told my case against all 4 entities would be slim and may be more costly than the reward. In XX/XX/XXXX, I hired Real Estate agent and Short Sale Cooperative to short sell the property so I can purchase another home for my family. After 5 months Freedom Mortgage says the house was unlivable and rejected selling to potential buyers. Its confusing when it was unlivable before any renovation which puts me in a Deed in Lue or Foreclosure situation. Since I am a building novice, I just paid mortgage on time and assisted the contractors making sure they got reviewed for payment when requested. I thought the XXXX loan was to protect me from this exact issue but everyone else got paid and I am left without a house, potential debt and credit hit. I could use any assistance to help protect consumers from further professional abuse.
Product: Credit reporting or other personal consumer reports

Hi My name is XXXX XXXX. A fraudulent credit card was opened in my name with XXXX XXXX in XXXX. I have called and spoken with the fraud department and submitted a dispute through Transunion and was told through Transunion that the credit card was verified and updated. I called XXXX XXXX directly and the address and phone number listed on the account have never belonged to me. I provided them my accurate phone number and address for me. I have no knowledge of this account prior to accessing my credit report and altered them as soon as I was made aware that this account existed. I am formally requesting this charges come off my credit report and this account be completely removed from my credit profile immediately. I am very disappointed with XXXXXXXX XXXX fraud department and this fraudulent credit account has completely ruined my credit. Please investigate this matter with the utmost urgency.I also placed a fraud alert on all three of my credit reports which my current phone number before any credit accounts can be opened in the future.
Product: Other financial service

my fiance enrolled in this program being told that it would help him, all that. we attempted to cancel the service before the service they " offer '' was ever even rendered. we were told twice that his " contract '' does not allow him to cancel the service. i called one of the offices and they said it would be fine just call the other office, the woman i got was not helpful at all. without actually having the proper paperwork completed, they proceeded to work on my fiance 's behalf. we asked for a manager more than ten times all the while being told that we can not in fact speak to one and that she would be the one who would answer my questions. she then proceeded to explain to me that cancelling was not in their policy and that they could not because it was in the " contract ''. when i asked her to read to me where it said i could not cancel, she stated the refund policy. we do not want to be refunded, we just want the cancel from there forward. the contract states multiple times that this would be in effect until cancelled by me or the servicer. but she kept telling us that we could not cancel the service because it was being rendered anyways, even with us trying to cancel two times before hand. she even proceeded to mock me while on the phone with the tone of her voice and told me at one point when i asked another question, she said, " no, i asked you first '' like a child. this is the most unprofessional group and the biggest scam i have ever dealt with in my life. when i told her i would contact the bbb she hung up on me and told me not to call back. i have the entire thing on recording. she fought with us and told us that we were obligated until XXXX. DO NOT USE THIS COMPANY IT IS A SCAM. also, around page four of the " contract '' it is stated that the term of this agreement was in effect until four different outcomes have happened. one of the outcomes was that the client did not give all of the proper paperwork, which we did not submit due to the fact that we tried to cancel twice before, therefore, because of the contract, and us not " properly completing '' the paperwork, this service should be cancelled anyway. they have also stated that they have no record of us calling before to have the service cancelled, which is convenient. this service is something that our servicer for our loans has explained is a service that is free that we can do our selves and to charge {$990.00} to do something we tried to cancel before hand, is outrageous. and the way that woman spoke to us and then hung up. i am a little more than really outraged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly reported to all three credit bureaus that I have no knowledge of an account with XXXX XXXX XXXX All three bureaus keep coming back saying the account is accurate and verified but they dont send me any information showing how or what was used to verify the information or any information validating the validity of this account and that its owed my me or that its even my account. I dont know who XXXX XXXX XXXX is Ive never heard of them, have no knowledge of owing them. And nothing has been produced to show why this negative account should be reporting on my credit bureau reports
Product: Checking or savings account

On XXXX XXXX MERRILL LYNCH Investments by their own admission, approved and allowed a fraudster allegedly by using my personal Identity information to open an account Merrill Lynch opened the account without my authorized permission as I never applied for any accounts at Merrill Lynch. 
I was never contacted by Merrill Lynch to confirm and by not properly vetting the application prior to approving the account. 
Merrill Lynch was incompetent and careless by allowing fraudsters to access my personal finances by approving this fraudulent account without my authorization and permission
Product: Credit card

The below transactions were not made by me as I was not in the country at the time the charges were made. I contacted Chase by phone and email about the fraudulent charges and even send them proof of my location. I sent them my flight records and passport entry stamp to another country. In the end, Chase claimed that someone used the physical card with a chip swipe. This can not be possible because I had in possession the credit card the entire time, and the charges were made in the United States. Chase would not recognize the fraud charged to my credit card account totaling {$460.00}. 

Date of Transaction Amount Merchant Name or Transaction Description Reason XX/XX/2024 XXXX XXXX XXXX XXXX You received benefit from this transaction. 
XX/XX/2024 XXXXXXXX XXXX XXXX XXXXXXXX XXXX You received benefit from this transaction. 
XX/XX/2024 XXXX XXXX XXXX XXXX You gave authorization to the user involved in this transaction. 
XX/XX/2024 XXXXXXXX XXXX XXXX XXXXXXXX You received benefit from this transaction. 
XX/XX/2024 XXXX XXXX # XXXX XXXX You received benefit from this transaction.
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. 

XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX XXXX Bank account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX  account # XXXX XXXX  account # XXXX 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 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 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.
Product: Checking or savings account

The Wells Fargo site in XXXX, Minnesota has not sent my court ordered settlement in 30 days as expressed by this dept. in an email that Wells Fargo is providing.which is handled by Wells Fargo in their branch locatons in XXXX, AZ. 
The check at the latest should have arrived XX/XX/2022. 

It is XX/XX/2022. I notified ithe XXXX last week in regards to the court ordered award check from Wells was not not received. Please ask why? Please ask why Email : XXXX. is an invalid address? In regards to obtaining clarification from the office in New York at ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX NY XXXX this is her email address and I can not send an email, because the address is invalid XX/XX/2022. Why? Please investigate this activity on behalf of Wells Fargo. I talked to a Wells Fargo XXXX and she made the statement numerous customers were present asking why? Why isnt Wells Fargo following up their customer service? I have been informed that Wells Fargo is now a safe bank This is very poor customer service follow-up and another goverment consumer complaint. I want to close all communication and I can not due to evasion. 
I have XXXX. 

Please investigate this company! 

XXXX XXXX XXXX :
Product: Credit card

I had a {$5000.00} limit on my credit card on XX/XX/XXXX with out notice they brogth it down to {$2000.00} XXXX call spoke with XXXX difrent people, ask as to why my limit was decrese they could not tell me they keep saying i was getiting a letter as of today XX/XX/XXXX i havent recived a letter. fyi I have XXXX ot more cards and none of them lower my limit only sams credit card. kkep in mind i have never been late or going over the limit.
Product: Credit reporting

Experian has not provided me, to date, their reinvestigation procedures, & additional documentation provided to them, in the matter of my dispute with XXXX XXXX XXXX , XXXX. This is clearly a violation of the FCRA, which enforces fair credit reporting by the credit bureaus. To date, Experian continues to falsely report XXXX XXXX XXXX , XXXX Account # XXXX as a contractual debt under my name, without conducting a proper reinvestigation of my dispute. They have not provided me any further information which supports their verification of the item, and have not weighed impartially the documentation that I provided to them. 
In support of my complaint against Experian, I am attaching the results of XXXX 's investigation of my complaint with XXXX XXXX XXXX , XXXX. XXXX conducted a proper, impartial investigation of my dispute, and deleted the false information from my credit file. XXXX has failed to conduct a proper reinvestigation of my dispute, or provide to me their verification procedures and additional documentation provided to them, in making their decision. Based upon their actions, XXXX has violated the FCRA regulations, and should be penalized accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

File an on my credit card account number XXXX my credit card cutoff because of the primary was XXXX
Product: Checking or savings account

Chase is purposely holding large deposit checks. I will deposit a check for XXXX and the funds will clear the other bank in 2-3 days, but chase holds the money for an extra 2-3 weeks on purpose. 

They then make you call a number and wait on hold for hours just to get your money available. Chase uses the money held for 2 weeks to give out loans and prop up their books artificially. This is theft and they are stealing from their customers. If I don't pay my credit card bill on time they charge me interest they should be paying me interest for not being able to cash my check on time
Product: Credit reporting

Product Credit reporting Issue Credit reporting company 's investigation : No notice of investigation status/result Have you disputed the issue with the credit reporting company and received a final response? Yes No Describe what happened so we can understand the issue ... 
[ [ [ what does no notice of investagation mean you contacted them about XXXX i want fico score back to level it was ] ] ]???!!!! 
still waiting for experian to fix credit report and also put my fico score back over XXXX where it was before case # XXXX was started Consent to publish the description of what happened? Consent provided Product information
Product: Debt collection

I am unaware of this debt I did not have an opportunity/knowledge that I can dispute this information. If in fact you believe you gave me proper notification then please provide/send me the certified return receipt with my signature. If not I request that this information ( LVNV acct No. XXXX XXXX XXXX  ) be removed from my consumer report immediately in light of my consumer rights being violated.
Product: Vehicle loan or lease

On XX/XX/2021 a payment was made on my auto loan with Ally Financial. The payment was for the XXXX payment. I explained the payment was being made on XX/XX/XXXX because of my familys contract of XXXX. The representative for the company assured me the payment would not be reported 30 days late to the credit bureau because we are in the process of buying a new house. On XX/XX/XXXX I was notified that the payment from XXXX was marked 30 days late. I have spoken with an agent now 3 times and have been promised each time that a billing supervisor will be calling me back within 24 hours to remove the late payment once they listen to the recording of my original call. It has now been over a week and I can not get a billing supervisor on the phone and nobody has called me back. I need the late removed because I can not get a home loan now and I was promised by the original agent that there would not be a 30 day late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to Universal Payment Corp in XX/XX/2021 concerning derogatory reporting on my credit report and requesting proof and validation from them that they have the right and authority to post on my credit report. 
I did not enter into a contract with this Company ( Universal Payment Corp ) but I entered into a contract with INVENT HELP which is not a consumer credit contract. 
This Company is reporting derogatory on my credit report and it is not so and they don't have any right to do so.
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking of information on my credit report resulting from identity theft under Section 605B of the FCRA. I have been a victim of identity theft and the following entries on my credit report are fraudulent : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. and I do not authorize of the hard inquiry that are on my credit report.
Product: Checking or savings account

On XX/XX/, HSBC US locked my account, including Checking, Saving, Credit card. When I called them to ask why they did this, HSBC US replied that they would conduct an account Review without giving me the reason or time to solve the problem, but only asked me to wait indefinitely. However, I just put about XXXX XXXX dollars of my real estate transaction into this account before XX/XX/XXXX. Together with the XXXX XXXX dollars stored in this account before, my account contains more than XXXX XXXX dollars, which is a large amount of money. I need HSBC US to return the money to me as soon as possible, rather than locking my account indefinitely and taking possession of my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion and XXXX  regarding multiple inquiries listed on my credit report that I do not recognize. I contacted both agencies multiple times between XX/XX/2018 and XX/XX/2018. Both agencies refused to investigate the inquiries, stating that they do not have any obligation to ensure the accuracy and legitimacy of inquiries listed on the reports maintained by their respective agency. I was directed by both agencies to contact the companies making the inquiries. I did so and was instructed by them to contact the reporting agencies as it was their responsibility. I reached out to TransUnion and XXXX  again, this time requesting documentation showing that the inquiries were compliant under the FCRA and both agencies said they could not provide me with that information. They also told me again to contact the individual companies making the inquiries to dispute the information, and that I could not dispute the information with TransUnion and XXXX.