23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX, XXXX FRAUD ALERT. 
Re : Respectfully Request an Investigation on the following : Failure to Disclose and Misrepresentation of Fact On XXXX XXXX, XXXX, I purchased a home and upon having the water turn on I was informed that the house is sitting on a Septic Tank. I contacted the XXXX XXXX XXXX XXXX and confirm the fact and emailed a diagram over where it is located The listing agent listed the property as public water and sewer. I had a certified inspector to come out that fail to inform me of the septic tank and my agent fail to do her job. 
I attempted to resend the sale and my credit union that is refusing to resend. In addition I did n't received paper work to resind the loan and my right to have the septic tank evaluation. 
I was defraud by my agent, the seller and the inspector. I believe that it is that there is something wrong with the septic tank and possible sitting on some sort of sink whole. A could cost from XXXX, I also discover that in XXXX, there was a {$13000.00}, insurance payout on the property. I also believe that listing agent possibly are selling these foreclosures with major home repairs and leaving the consumer with the bill and possibly foreclosure. 
In XXXX of XXXX, I live in a house where the septic tank back-up and sewage came back into the property my property was damaged and the landlord refuse to help me. I moved out and living with my sister to save to purchase a home. 
I contacted the Consumer Protection Bureau stated that I have three-years to resend the sale because I was n't in the disclosure papers. My agent text me and ask if I wanted to sell the home. I 'm XXXX and the happiest day of my life is now the saddest. I was scam Buyer Agent - XXXX XXXX XXXX XXXX XXXX - XXXX, GA XXXX XXXX XXXX Listing Agent/Broker XXXX Real Estate XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX - Certified Home Inspector XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX Navy Federal CU - XXXX Property : XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Debt collection

I received a letter stating my wages were about to get garnished. I am unaware of the alleged debt. I never received an initial communication letter or a right to dispute. I called to the courthouse and i was not able to get information on whether i have a judgment against me. I also did not receive anything via certified mail.
Product: Credit reporting or other personal consumer reports

Please refer to my prior complaint COMPLAINT ID XXXX which was closed after they admitted their mistakes. Then, after that admission, they still reported my account as delinquent to at least two of the credit reporting agencies. I emailed the Office of the President reporting that and have had no response. I also submitted disputes with documentation to the agencies, but have had no response from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent in a dispute letter addressing the information that on the credit report. The agency sent me a letter in return stating the information was correct and in fact according to The Fair Credit Reporting Act Section 609 ( a ) ( 1 ) says they are require by FEDERAL LAW to verify, THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT, ANY AND ALL ACCOUNTS THAT YOU POST ON A CREDIT REPORT. They have FAILED to mail me proof of the investigation or delete the negative information. 

I asked them be specify on how the item was verified. I went on to ask to Please do not provide me with the generic response on your e-Oscar procedure but the FACTS of how was. the item verified since there verification by law. 

I asked the agency to provide evidence of their authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have submitted a dispute with Equifax to have some unauthorized inquiries on my credit report removed. The dates the disputes were submitted was XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I always wait my 30 days out to get results and I am getting the same results. There has not been an investigation and no paperwork has been sent to me from these creditors that have pulled my credit. Equifax is not even doing the work to contact these creditors because I submitted a dispute on XX/XX/XXXX and on XX/XX/XXXX the results were back in so there was no 30 day period for them to doing their job. I am at whitts end with this situation with no results and a fraud alert has been on my credit report several of times due to these unauthorized inquiries, but they have not removed them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed this account but they contacted my XXXX XXXX and reopened it with him, I asked to be removed from account they will not so I insisted they close again. Now XXXX years later XXXX is not paying but discover will not allow me to pay because I dont not know mailing address, card number or security question but they can pull up account by my ss #. If they will not allow me to pay it should not be reported to my bureau dropping my score significantly. XXXX XXXX removed this account I would like all bureaus to see this as well and remove this account. I dont think I should be accountable for something I cant control. I spoke to supervisors at discover and they apologized but could do nothing for me
Product: Debt collection

This company is not registered to be a collection company or collect in the state of Florida. This account must be removed immediately. See exhibits. 

This company is wrongfully in possession of non-public information without consent and has furnished incomplete and inaccurate information on my credit report without following proper procedures. In this debt collection scheme, this company has appeared on my credit report without verifying the amounts or given me the chance to dispute and get required account level documentation verifying the accuracy of the amounts, procedures used, and completeness. 

First can this company provide evidence of a consumer credit transaction? If so can it verify the amounts I was approved for and loaned? 

Nonetheless, Can this company please provide all previous communications it had with me PRIOR to furnishing this account on my credit report, in accordance with law? As well as the full accounting and list of collateral according to F.S. 679.210 and itemization of the balance and where I agreed to pay the amount of the debt and its reasonable procedures to abide by the E-sign ACT? Finally can it provide the full terms of its purchase and sale agreement of my alleged non-negotiable assignment of debt?
Product: Debt collection

XXXXSubject : Dispute of Fraudulent collection Account Capio Partners Capio partners, XXXX XXXX XXXX XXXX and XXXX XXXX I am writing to formally dispute the inaccurate and fraudulent information that appears on my credit report under the account name " Capio Partners '' ( Account Number : XXXX ). This account, which is listed as a collection account with a balance of {$1200.00}, is not mine and was opened fraudulently. 

XXXX. Violations of the Fair Credit Reporting Act ( FCRA ) : ** - Under the FCRA, Section 605B ( 15 U.S. Code 1681c2 ), consumers have the right to block information resulting from identity theft from appearing on their credit reports. As this account is fraudulent, I request that it be blocked from my credit report immediately. 

- Additionally, under FCRA Section 611 ( 15 U.S. Code 1681i ), I am requesting a reinvestigation of this account. The credit reporting agency is required to complete the reinvestigation within 30 days of receiving my dispute. 

XXXX. California State Laws : ** - Under the California Consumer Privacy Act ( CCPA ), I am entitled to request the deletion of personal information collected by a business that is not accurate. Since this account was fraudulently opened, I am requesting that all associated personal information be deleted from your records and not shared with third parties. 

- Furthermore, per the California Civil Code Section 1785.16 ( Californias Credit Reporting Agencies Act ), I have the right to request a reinvestigation of inaccurate or incomplete information on my credit report. The credit reporting agency must respond to this request within 30 business days. 


Please consider this letter my formal complaint and dispute, and I expect a response within the legally mandated timeframe. Enclosed are copies of my identification and any other documentation to support my dispute ( e.g., police report, FTC Identity Theft Report ). 

Thank you for your prompt attention to this matter. If this issue is not resolved to my satisfaction, I am prepared to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the California Department XXXX XXXX XXXX, and potentially pursuing legal action.
Product: Money transfer, virtual currency, or money service

I believe the ppl that stole my funds from wasihington can u plz help report this to a officer not from any of the states that have XXXX workin at the law office because they are part of fraud thank u
Product: Debt collection

receiving numerous automated calls a day. have returned the calls to the number provided and been told various times that the number XXXX does not come up in their system, but the calls continue. the incoming number is XXXX and the return number is XXXX for credit services. they answer the line for Syncrony Bank.
Product: Debt collection

There was a collection with XXXX XXXX that I have been disputing. The account was approximately 5 years old. I disputed many times and it was finally taken off. Only to return through a company called XXXX XXXX XXXX with a resetted date of XX/XX/2017. 5 years of age turned into 3 months is unacceptable and illegal. This needs to be taken off immediately.
Product: Money transfer, virtual currency, or money service

As a trustees for my sisters irrevocable trust, my brother and I authorized a transfer of funds from her XXXX XXXX account to her personal Wells Fargo account in the amount of {$35000.00}. The funds never arrived, and were apparently sent to an incorrect account number. Wells Fargo has not provided any answers, nor has it refunded the money. Our account advisors at XXXX XXXX have been actively seeking answers, but to no avail. 
We believe that Wells Fargo is fully aware of where the funds ended up, but have made no effort to retrieve them. 
The funds transfer occurred on Thursday XX/XX/2022 and it has now been almost 2 1/2 months that the funds have been held by Wells Fargo. 

It is worth noting that the funds were allocated to replace a car that had died unexpectedly. When the funds did not arrive, my sister was forced to pay an additional {$600.00} in car rental fees.
Product: Student loan

Several Complaints on customer service reps lying on information on how to submit loans, processing times and how loans needs to be submitted. Paperwork has been submitted back in XXXX and still not processed. Over XXXX calls have been made to Federal Student Aid Office. Over XXXX complaints have been made on customer service, misinformation and failure to process paperwork in timely manner.
Product: Mortgage

DiTech, appears to randomly placed reallocation of money on my mortgage. After two calls they are unable to tell me why my principle increased. The principle on XX/XX/XXXX statement was XXXX, we made at least two payments of XXXX against principle on XX/XX/XXXX and XX/XX/XXXX. My statement of XX/XX/XXXX reflects total of XXXX If Ditech, as done this to a significant number of clients, the additional interest they are getting could be astronomical
Product: Vehicle loan or lease

I became delinquent on my car loan in XXXX of XXXX. I called at that time and could not seem to get payments to go through. This resulted in an extended delinquent period of time. I began trying to resolve this again in XX/XX/XXXX. At that time they wanted to make it current for almost {$8000.00} but I could not at the time. I had my father attempt to resolve this issue with no success. I finally received financial counseling by the XXXX and they are trying to assist with a loan however Ford is stating they want payment in full. I received the debt validation letter from Ford showing my balance. I wish to be set up in a payment arrangement for the original payment amount of {$500.00} per month. Ford will not allow this to happen. Due to this extensive delinquency, my security clearance may be affected.
Product: Credit reporting or other personal consumer reports

In response to Transunion keeps re-adding the website XXXX to my credit report after they lost disputes at ever credit bureau even at Transunion due to identity theft. After Transunion released this is one of their advertiser who buys adspace on their website they quickly froze my account leaving free to any hacker or anyone who purchase my info from the dark web due to XXXXXXXX  and XXXX  leaks . They turned off my removed credit freeze and fraud alerts for weeks so they can add their advertiser back on my CR just because he asked them to? Is that not Breaking the rules of FCRA many times over and over again? It sure is, so lets get something done about this. before I get the law involved. 

Transunion just keeps lying. in all of their responses to my complaints and someone working at CFPB for them has been deleted the worse ones not just closing. Which involves Accessing CFPB database database you are using Without permission. 

in response to complaint ID : XXXX Lie # 29 Transunion quotes this on XX/XX/2023 to the complaint yesterday they started " no credit card from XXXX  was found listed at the address I posted on my FTC REPORT. " Which is 100 % a lie once again. I will upload the first 2 pages of a letter from XXXX  and any investigator beit the police which states this address they have just lied about yesterday. XXXX you are able to start using any credit card instantly before it gets to your mailbox by using a virtual version. My mother lives at my home.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, Earnin debited my account for XXXX in two seperate transactions causing a XXXX overdraft fee. Earnin 's policy states that in the unlikely event that an overdraft is caused that it will refund it, but it has not. Earnin is a payday advance/overdraft prevention app. 

I am owed the credit of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am sending this complaint to address the inaccuracies on my credit report provided by Experian and As I reviewed my recent report, I have found an erroneous information reporting on my Experian Credit Report. I am not sure if you have conducted a thorough investigation for this item : XXXX XXXX XXXX : {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act US DEPT ED Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

I've gone over and over with this company sending my payments from the bank they resolved the problem said my balance was XXXX I closed the account twice they came back saying I owe money still, first it was XXXX balance after I closed the account then they said I owed XXXX, then they sent me {$300.00}, I then sent it back, my balance was XXXX again and confirmed my by account manager XXXX who confirmed its XXXX balance, Now after a month there saying i owe {$300.00}, XXXX called me back and said said she made a mistake, I owe this company nothing they're harassing and discriminating against me, I've confirmed payments with my bank, I owe nothing, my account has been closed for several months and I haven't used it, my credit is XXXX, I pay my bills, this company is desperate for monet and harasses XXXX XXXX. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Report. This List of accounts below has violated my federally protected right to privacy under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX 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 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 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: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX XXXX from my Coinbase account to these fraudulent investment company.
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 
Delete the accounts below : XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I was supposed to receive a credit card bonus of XXXX miles through my chase XXXX card for spending a minimum {$2000.00}. The last transaction had been approved but was still pending. I reached out to chase customer service through secure messages and was told when the transaction posted I would receive the bonus. Then on XX/XX/XXXX I reached out to chase customer service to confirm I would receive the bonus about my pending sale. They then got back to me and said they would not honor the bonus because the transaction was pending after the date required to spend which was XX/XX/XXXX. I was lied to and I was not able to attempt to spend money through a different retailer because they informed me of this AFTER the deadline. This was also after telling me I had met the spending requirement.
Product: Debt collection

For five months Portfolio Recovery has not responded to any of my requests for validation while continuing to verify these account to the bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. 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 1681 B- Permissible purposes of consumer reports subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

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

I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted from my credit report.
Product: Checking or savings account

Unauthorized transaction XX/XX/year> XXXXXXXX XXXX  {$99.00}. I tried disputing this transaction with chime however they told me they are unable to assist. I asked them to close my account since they could not assist with my dispute. They replied by saying they are unable to close my account due to a pending dispute even though the dispute was never started. I would like a full refund of the unauthorized transaction and end my relationship with chime. Please close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX XXXX I have had some issues with someone accessing my credit file and using mypersonal information and at this time I would like to request a credit freeze/ Block all accessto my file and contact me directly at my phone XXXX or email me XXXX. I need a PIN for all my credit reports asap. 
I found some incorrectaccounts that are listed wrong on my credit file : 1.XXXX XXXX XXXX XXXX XXXX, I have never filed a Chapter XXXX or XXXX bankruptcy. 
2.XXXX XXXX XXXX  XXXX # XXXX 3XXXX # XXXX 4XXXX # XXXX 5XXXX XXXX # XXXX 6XXXX # XXXX 7XXXX XXXX # XXXX8.XXXX XXXX  XXXX # XXXX 9XXXX XXXX  # XXXX THERE ARESEVERAL ADDRESSES THAT DO NOT BELONG TO ME ON MY CREDIT FILE PLEASEDELETE THEY ARE NOT CORRECT : XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX  XXXX XXXX, OH XXXX
Product: Vehicle loan or lease

I applied for a payment deferment, and they were late uploading the document for me to fill out an upload. The document was uploaded a XXXX weeks after the initial call for the deferment. I received a notification that I was delinquent which is false.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I sent a letter on XX/XX/2022, to Experian to remove the accounts below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/2022. Ive already included this in my previous Complaint XXXX & I am including it again XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

their is a lot of inquires on my credit reports that don't belong to me XXXX, XXXX, trasunion
Product: Credit reporting or other personal consumer reports

I was going over my report earlier this month and notice there were some fraudulent information on my reportt Please delete these accounts off my report these accounts are hurting my ability to obtain credit. Also a violation of my rightss!