23daVinci/CFPB_Complaints huggingface dataset:
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.

Account name : XXXX XXXX XXXX XXXX XXXX has violated my rights Account name : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights Account name : XXXX XXXX XXXX XXXX XXXX has violated my rights Account name : XXXX XXXX XXXX XXXX has violated my rights. 
Account name : XXXX XXXX XXXX XXXX has violated my rights. 
Account name : XXXX XXXX XXXX XXXX has violated my rights. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights Account name : XXXX XXXX XXXX XXXX has violated my rights Account name : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights Account XXXX has violated my rights Account name : XXXX XXXX XXXX XXXX XXXX has violated my rights Account name : XXXX XXXX XXXX XXXX has violated my rights Account name : XXXX XXXX XXXX  XXXX  has violated my rights Account name : XXXX XXXX XXXX XXXX has violated my rights Account name : XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Experian, XXXX, and XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX only reporting me 30 days late. There was definitely an error on their part. I was never 30 days late.
Product: Debt collection

Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 611.
Product: Credit card or prepaid card

Access to my  Chase   XXXX   XXXX   XXXX   Visa  Credit Card was suddenly and without any explanation stopped. I can no longer use the card anywhere. I always pay my balance in full and have no account balance, no late payments no balance due. I have not even come close to my maximum credit limit at any time during the use of this card. I have not been traveling and have not used the card in any usual wa y ( no large purchases of strange things/ no large internet purchases ). I have not changed any of the account information ( no address, phone, payment or any contact information changes ). Chase refuses to provide an explanation as to why they have frozen the account. I have another Chase Visa card which is working just fine, my Chase Sapphire Reserve Visa C redit Card. I use this card in almost exactly the same way, in the same places, and for the same items that I use the ot her Chase card for. In the past I simply used them interchangeably, so to speak. Chase is acting in an arbitrary if not illegal fashion in regard to my accounts. Please if you coul d get them to apologize and reinstate the account I would appreciate it.
Product: Credit card

I made a purchase using my AMEX credit card that went thru my paypal account. The services provided were not provided and I asked the merchant for a refund. The merchant responded that they would provide a refund as soon as possible and did n't follow through. I put the charge in dispute and expected AMEX to credit the charge. Now AMEX is ignoring my documentation and telling me it is up to the merchant to provide me with a credit.
Product: Checking or savings account

On XX/XX/2021 I made a XXXX transfer of {$500.00} thru Bank of America to a friend XXXX XXXX XXXX who has account with XXXX Bank. About 20 minutes later I called my friend to confirm receipt but he said the money was not credited into his account even though the money was taken from my account by BOA. I immediately called BOA and informed them but they told me the money was sent to an account at XXXX but my friend said he had NEVER operated an account with XXXX. I suggested to the Bank officer that it is less than 30 minutes the transfer was made and that they should do something before the money fell into a wrong hands. After series of communications on phone they wrote me to say that they are investigating and that they sent the money to the right person. When I asked them to provide me with the name and the phone number of the person they sent the money to as registered by XXXX they could not. It is now going to 4 months since I have been asking BOA for my money but they did not care about my feelings hence my writing this letter to your organization. Attached herewith are 2 letters received from BOA on the issue, the profile of the true beneficiary of the money and letter i wrote to BOA in XXXX on the subject matter Thanks for your help and God bless.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following student loan is not mine, with us dept of education, i have never went to school here and let alone getting a student loans, please equifax is reporting this inaccurate account under my name, and they are not helping me to have this removed i will be attaching my documents, please help me to have this inaccurate reported from my credit file. 
appreciate
Product: Checking or savings account

Opened account in mid XXXX. Deposited XXXX on XX/XX/XXXX. Promised {$400.00} if I deposit for 60 days. Now they are saying I didn't deposit by the XX/XX/XXXX deadline. I reached out on XX/XX/XXXX, and I received a response on XX/XX/XXXX saying that they will not honor the promotion.
Product: Debt collection

I reached out to Jefferson Capital Systems on XXXX/XXXX/2016 after finding a Collection account on my credit report on XXXX/XXXX/2016. I spoke with a male representative on the phone. After the gentleman was able to locate the account we verified some information and found that they had an incorrect address and the account was not verified. I explained to him my concern which was the credit collection report and improper notification & verification of this account. I told him I wanted to pay the account for the full balance due and have this removed because I was not properly notified. He furthered explained to me that the account was still owned by Jefferson Capital Systems, however, it was sent off to a 4th party collection agency and I would have to pay them. I then go into further detail about the issue now and explained that I did not feel comfortable paying another agency for collection owed to them. The gentleman told me, " I 'm sorry but there is nothing I can do. '' I advised him that I would be reaching out to several different agencies over this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Dear Sir or Madam, This is my FOURTH complaint to the CFPB and FIFTH attempt with Experian directly. I personally contacted Experian in writing four previous times with my signature authorizing them directly to resolve this issue. 

I have attached each of the for Proof of Delivery notices that show they signed for these letters, ( two in XX/XX/2021, one in XX/XX/2021, and one XX/XX/2021 ). 

In addition to sending these four letters, I called them three times total, including one call today. Each time I spoke to them on the phone, I tried to authorize them to proceed. They told me that they had not received my dispute letters that they obviously signed for, nor the complaints via CFPB.

Below are the CFPB complaints previously filed with the final status, all indicating the company needs my authorization to proceed. This is utter nonsense that they keep responding with this when I have made every attempt to authorize their finishing this investigation! 

As you can see, this dates to XXXX of this year, putting this far past the 30 days the law states ( 15 US Code1692g ), Experian has to resolve my dispute. This is causing me a lot of stress and this needs to be resolved! 

XXXX Authorization needed XXXX XXXX responded there is an unauthorized third party on XX/XX/2021 The company needs authorization from you to proceed with your complaint. 
We reviewed the complaint you submitted and sent it to the company for a response. The company has let us know that it needs authorization from you to proceed. 

XXXX Authorization needed XXXX XXXX responded there is an unauthorized third party on XX/XX/2021 The company needs authorization from you to proceed with your complaint. 
We reviewed the complaint you submitted and sent it to the company for a response. The company has let us know that it needs authorization from you to proceed. 

XXXX Authorization needed XXXX XXXX responded there is an unauthorized third party on XX/XX/2021 The company needs authorization from you to proceed with your complaint. 
We reviewed the complaint you submitted and sent it to the company for a response. The company has let us know that it needs authorization from you to proceed.
Product: Credit reporting or other personal consumer reports

I appreciate the time taken to address the fraudulent entries in my file resulting from alleged fraudulent activity. However, there remain outstanding items that require attention. Upon reviewing my updated personal credit report, I observed unauthorized credit inquiries and erroneous personal information persisting. I have already contacted the respective companies to request the removal of these inquiries from my credit profile. Furthermore, I previously requested an investigation into the inquiries listed below on my credit report. I understand your investigation has concluded, confirming my allegations. Therefore, I kindly request the removal of these unauthorized inquiries and the issuance of an updated credit report reflecting their removal. Please send the updated report to the provided address : EXPERIAN : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XX/XX/XXXXXXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- -- XXXX XXXX -- XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- XXXX -- -- -- -- XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. As per the Fair Credit Reporting Act Section 605B ( a ), you are required to remove any items opened without my knowledge, consent, or authority within four business days, along with ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of such information by the consumer; and ( 4 ) a statement from the consumer confirming that the information is not related to any transaction made by the consumer. I will provide my Driver 's License, SS ID, and Proof of Billing as verification of my sole address, along with my new FTC report # XXXX.
Product: Credit reporting

Time for my daily complaint against Experian, they still refuse to investigate my case given all the evidence I have sent them. Their incompetence cost people their livelihood.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I mailed a letter to Safe Rent Solutions LLC requesting a copy of my consumer file and they did not respond at all and it has been 30 days. 

I am fiing this complaint with the CFPB so that I can get help with this issue. It is my right to request a copy of the information that any consumer reporting agency has that relates to me. 

Attached to this complaint I've included a copy of my ID and Social to verify my identity and my current address. I also inculded a copy of the original letter that was sent to Safe Rent Solutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed I had 11 late payments on one reporter, five on XXXX and the account was removed on XXXX. I was never late on these accounts and the consumer reporting agencies have assumed a vital role and have a responsibility to report consumers information to the best of their ability with Maxium Accuracy. I have never been late on payments for this account ( XXXX XXXX ) Acct XXXX XXXX  Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided i demand these payments be updated to on time as they should be as I was NEVER late.
Product: Mortgage

Specialized Loan Servicing purchased my second position mortgage in XX/XX/XXXX. I have been making extra payments to principal since that time. SLS seems to be charging excessive interest since this time, as my current balance is much higher than it should be. I have called SLS and talked to XXXX ( 3rd level ), XXXX and one other person on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On each occasion, these employees promised a cash analysis ( showing how my payments are recorded by SLS and how interest is charged ) would be sent to my home address within 5 business days. I have not received any such document from SLS as of XX/XX/XXXX. I will pay off the mortgage immediately ( as I don't trust SLS ) but the balance is much higher than it should be do to excessive interest charged by SLS and they will not show any justification. I attached tax statement documents from them that show erratic interest charges. Such as {$2100.00} interest paid in XX/XX/XXXX, {$0.00} in XX/XX/XXXX ( no document sent to me for that reason according to SLS ). {$1500.00} in XX/XX/XXXX and then {$6500.00} in XX/XX/XXXX. These widely different interest paid amounts on these tax statements make no sense. SLS is cheating me and then lies to me on the phone when I ask questions of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

A letter was sent to TransUnion on XX/XX/2020 via USPS Certified Mail # XXXX containing a direct dispute of the items in question under 15 U.S.C. 1681i, Section 611 ( a ) ( 1 ) ( A ) as well as a Memorandum of Points & Authority under FCRA 604, 609, and 611, Fair and Accurate Credit Transaction Act ( FACTA ), and Consumer Financial Protection Bureau ( CFPB ). TransUnion was asked to provide completeness of records and valid proof of verification ( s ). The letter/matter did not get the attention it deserved as no valid proof or evidence was provided, amounting to entries/statements being made and " verified/validated '' without first-hand knowledge ( which is a crime ). The matter is hindering my ability to obtain credit/financing as well as infringing on my right to Life, Liberty and the pursuit of Happiness. Thus, escalating actions are being taken. [ Evidence Attached ]
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

a fraudulent account was opened in my name, capital one is refusing to show me a signed contract proving the account is mine.
Product: Student loan

Attempted multiple times to call customer service. Each time waited 3+ hours, disconnected a couple time when a person answered and disconnected. I have submitted all my information for the PSFL and no response and unable to reach customer service. No updates online.
Product: Credit reporting or other personal consumer reports

There is an inquiry that I don't recognize nor have applied to on my credit report, which is really concerning, I did not authorize this nor given consent to the company to pull up my credit report, it is stressing me out and making me anxious.
Product: Debt collection

The accounts are not king and the support account has been closed they will not remove this report please help
Product: Money transfer, virtual currency, or money service

I held XXXX usdt in my Blockfi.com Wallet which I requested to withdraw on the XXXX of XXXX 2022. In my pending status it said that my funds were expected to be received on Monday XXXX of XXXX. Following the XXXX bankruptcy, Blockfi also went down and paused withdrawals. However, in the terms of service it states that wallet funds belong to the customer and therefore the customer should be able to withdraw these funds. I have no idea what happened and why I am not getting my funds as promised. Please take this seriously, because it appears that many other users are in the same situation, having their lives potentially ruined because of losing large amounts of money.
Product: Mortgage

We received forbearance notification during the Covid. We did accept it. Before the end of the forbearance, we received an attempt for foreclosure ; as we were unable to pay the past due amount requested by XXXX XXXX XXXXXXXX and to avoid to loose our home we applied for HAF ( Home owner Assistant Fund ) meanwhile the mortgage was sold to Shell point. We got approved with a grant for {$17000.00} by Haf and the fund was disbursed to the new Mortgage company called Shell point. We never received any notification from Shell point UNTIL TODAY that they received any fund on our behalf. Even today no single sign or letter of this transaction in our statement. We learned all these after multiple phone calls with HAF. Later on we learned the fund was disbursed multiple times to Shell point and they return back multiple without informing us.

Before the fund was disbursed Shell point knew with certainty we were approved for the Grant and convinced us to sign a deferment. Shell point stated that the fund will be applied to the account even though we signed the deferment they added there is no penalty for early payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Asked for removal of unauthorized Hard Inquiries on my XXXX   file from : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX, LA XXXX Hyundai Motor Finance Corp, XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MD XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MD XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, LA XXXX I did not apply for credit with this automotive dealers for car credit and ask that they furnish written documentation of application for credit approval. I never visited these dealers. I am presently in Chapter XXXX and not allowed to apply for credit without consent of the courts.
Product: Debt collection

Transworld Systems Inc is trying to collect XXXX from me claiming I was part of XXXX XXXX for University XXXX Louisiana at XXXX. 

Has me being apart of a fraternity for 4 years. But for XXXX years I didnt go to that university. 

I went to a community college so I couldnt be allowed to participate in the fraternity. 

Seems this is a failure on the college kids running the organization. 

I can provide documents showing when I went to immunity college
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 XXXXXXXX, has violated my rights. 
XXXX XXXX XXXXXXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX  XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX  XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX  XXXX XXXX XXXX # XXXX, has violated my rights XXXX  XXXX XXXX XXXX # XXXX, has violated my rights XXXX XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights XXXX XXXX XXXXXXXX XXXX # XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX, 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 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: Mortgage

I would like to start by stating this is not the first time WellsFargo Mortgage Company has denied helping pay my mortgage ; the first time was in XXXX. My husband and I was denied several times before they foreclosed on the home, even after catching up on payments and paying a credit card they claimed I had to pay that had nothing to do with the mortgage. I did not know at the time I could file a complaint of this sort. 

In XX/XX/XXXX XXXX XXXX, La was his with hurricane Laura then in XX/XX/XXXX we were hit with XXXX. Long story short the insurance company refused to fix home, stop answering my emails, dropped the insurance, and stop calling me. Then they filed bankruptcy leaving my home unrepaired with no walls or ceilings. Because the home was not completed, I was and still unable to get homeowners insurance, so WellsFargo insured the home which caused my payment to increase from {$650.00} to {$960.00} a month. I called them and explained to them I was not going to be able to pay that ; however, they claimed it was nothing they could do. I struggled paying it until several months ago when I became 2 months behind. They connected me with their preservation department where they basically had me send all of my financials to them not just my paystubs. They had me send bank statements, which I felt was not relevant because what I spend my money on is none of their business they just should have needed my income. I sent them everything they asked for and I was not surprised when they denied me. I am a school teacher who is on a sabbatical which means I will not be bringing home the same money as before. I will only be receiving 65 % of my check which I sent that paperwork them as well. If I appeal, it will be the same outcome. This is what they did to us in XXXX then foreclosed on the home. They denied us several times in XXXX ; they found every excuse to deny us help and I am most certain they will do the same this time.