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

I have requested several investigations into an account that was placed in collections including sending certified mail and notarized statements to XXXX, Trans Union, and XXXX. In XXXX ofXX/XX/2014 I signed a lease with XXXX XXXX XXXX in XXXX, FL which is under the name ( XXXX XXXX XXXX ) on my credit report. After living there a month I was forced to move to another unit because of construction. One month later in XXXX I was forced to move out because the construction was making me very sick. The front office agreed to release me from the lease but did not notify the back end office in XXXX. My move out statement shows that I was billed a half a month of rent and my final water bill was XXXX cents. I was moved out on the 3rd which the property management said that there was no issue since I was getting sick from their rental unit and they did not want any lawsuits. This has turned into a nightmare trying to fight. When I most recently moved into a new apartment this year I was able to pull up my move-out form from XXXX XXXX and the copy of the lease. The information on my credit report is inaccurate and should be removed. I have sent numerous letters ( even notarized and certified ) but nothing ever gets done. I even had credit bureaus return mail saying they couldn't find this account. Please help me deal with this issue and get my information to them. It has been very difficult to represent myself and prove my side of my story to show no wrong doing on my part.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts on my credit report that are not mine they do not belong to me I have not applied, signed or used these accounts nor do I know how they got there. 

Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX are infringing upon my rights to privacy pursuant to 15 usc 1681 ( a ) ( 4 ) YOU HAVE A GRAVE RESPONSIBILITY to respect my rights to privacy. I DID NOT GIVE my writing consent for either of these companies to report anything to my consumer report, and you reporting these accounts to my report is a VIOLATION!!!!! Pursuant to 15 usc 1681a ( 3 ) ( e ) there is NO reason for you to do investigation, because if anything comes back factual it can not be furnished on my consumer report! SO THE BEST OPTION is for you to DELETE IMMEDIATELY! 

1. Identity Theft XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXXXXXX  This following accounts below show multiple inaccuracies on my credit report. These must be deleted immediately. 

1. Validate Account XXXX Account Number : XXXX**** 2. Validate Account XXXX Account Number : XXXX
Product: Mortgage

OUR PRIMARY HOME IS IN LISTED ON SHERIFF SALES FORECLOSURE BY WELLSFARGO BANK FOR XX/XX/2016. WE WERE APPROVED FOR XXXX TRIALS AND THE PAYMENTS WERE MADE ONTIME, BUT THE PERMANENT LOAN MODIFICATIONS WAS HIGH AND NOT BASED ON THE INCOME AND BUDGET. I CALLED AND EXPLAIN TO WELLSFARGO TO REDUCE THE PAYMENTS, THE DOCUMENTS WERE SUBMITTED FOR MODIFICATION BUT THE BANK REFUSED TO HELP WITH NO OFFICIAL LETTER STATING DECLINING. THE NEXT THING WAS THE BANK SENT A SHERIFF SALES DATE FOR THE FORECLOSURE ON XX/XX/XXXX. THERE IS NO WHERE TO MOVE TO AS WE HAVE NO ALTERNATIVE HOME WITH ALL THE FAMILY MEMBERS OF XXXX. PLEASE KINDLY LOOK INTO THIS AS WE WANT TO KEEP THE HOME. LOAN NUMBER IS XXXX WELLSFARGO BANK. THANKS
Product: Checking or savings account

I sold annuity payments to XXXX  this is my 5th time doing so using my former bank. I am now banking with Chase bank I went to chase bank in person to cash my check in the amount of {$2600.00} and make a deposit the teller gave me a number to the frauds department. They said there is no public record phone number for XXXX so chase bank is considering the check to be fraud it's been a week since I went to cash my check the steps I have taken to resolve the issues are I've called and talked to them until I'm blue in the face I've spoken to XXXX and explained what is happening what they have said is they don't understand why because the check has been cleared chase bank customer service says even if the check is cleared I will not get the money I set up a meeting with a banker at chase bank with a banker to provide a certified contract for this loan and past contracts and court approval documents that prove this is not fraud and they still won't release my money I feel that chase bank is discriminating against me because I'm XXXX they must think I don't know what I am doing
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making you aware of this because current law does not provide for egregious and damaging score reporting unsupported by statistical evidence. A years -long perfect credit history recently was marred by a mistake by an ex spouse still with an open shared account for which she is responsible. 

The resulting delinquency resulted in a FICO drop of over 100 points. There can not possibly be any statistical or actuarial evidence that this represents actual credit risk. 

I intend to file against the credit reporting companies regarding this if it's not corrected, and want you to note this is an XXXX. 
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Product: Checking or savings account

Good Morning, I am writing you today as an aggrieved man. I filed an unauthorized charge claim with PNC Bank two weeks ago. I still nit have yet received my money back. I was told it would take 1 business day and I still have not received anything back. There were unauthorized charges that I knew nothing about nor consented to. I demand that my money stolen without permission be returned to my account asap!
Product: Mortgage

The lender obtained an invalid and unreliable " drive-by '' appraisal. I submitted my dispute in line with the request for appraisal reevaluation with information that was ignored and not included in the appraisal information, including but not limited to exterior improvements including windows and photovoltaic systems. The `` drive by '' inspection involved old photos taken from prior MLS online photos and no actual drive by inspection was completed. The Appraisal was disputed with accurate information of similar property types including recent sales of actual comparable properties within 60 days. Discover advised on a daily basis for more than 3 weeks that their service and processing centers were so bombarded with applications that processing and underwriting have been severely delayed. when the final appraisal dispute finally came back, I was advised that Discover 's own managers who specifically handle appraisal disputes had made the decision internally to reject relevant data. Additionally, in good faith, a separate and independent full appraisal was completed and they advised that that was not taken into consideration, even though the dispute was presented in compliance with the requirements of the Dodd Frank Act and Appraiser Independence Requirements. Discover, by means of its employees and training practices has proven itself not to be in compliance with the Dodd Frank Act and as a result, my application has caused my credit score to be affected as I agreed in good faith for them too pull my credit.
Product: Credit card or prepaid card

A payment that cleared my bank on XX/XX/23 will not be credited to my account until XX/XX/23.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on a critical issue regarding an unauthorized negative account associated with XXXX XXXX ( Account Number : XXXX ) that continues to appear on my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 around XXXX central, my PayPal account was illegally accessed, and all of my savings were converted to USD from BTC. The perpetrator ( s ) then transferred the funds to another account of mine that was hacked as well on XXXX XXXX. The perpetrator ( s ) also attempted to siphon two payments from two other hacked PayPal users, under the guise of my identity. The two individuals received their funds back, but I have not. PayPal appears to have done an improper investigation, and has barred me from services, and most importantly, has frozen my account for up to 6 months, including my social security. PayPal does not acknowledge the events as fraudulent, and has instead punished me, the primary victim. Not only have I lost my savings, but my social security check for XXXX is being withheld from me, and that is a hindrance to my survival. Again, I have done nothing wrong. Someone usurped my account, and successfully attempted to profit from illegal gains. I trusted PayPal ; they have mishandled my funds, refused to acknowledge what occurred, and left me with the damages of a crime. I am XXXX, they have not reimbursed for the theft, and they are currently withholding my social security for no apparent reason. There has been no further illegal activity, aside from this atrocity.
Product: Debt collection

Last year I cancelled my XXXX and they continued to bill me for months. In addition they would not even except their equipment back for a time. 
In the summer, bill collectors began calling me, asking for hundreds of dollars. 
I owe them {$50.00}. 
They are asking for a {$120.00} and placed me in collections on XX/XX/XXXX. 
The account was opened XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to late markers reporting on an account through XXXX XXXX XXXX, which consequently is reported as a conventional mortgage on my credit profiles, I had enlisted the assistance of outside help to try and correct this matter. On XX/XX/2021, I had submitted a dispute to XXXX directly referencing account number XXXX ( attached ). Additionally, after not hearing back, I had submitted an electronic dispute with Experian and XXXX directly on XX/XX/2021. Following the 30 days allotted for the dispute to finalize and not receiving any responses as to the status of my disputes and by this account still reflecting as being disputed through the bureaus, I had sent a second request to XXXX and informed them that I would be unable to make my upcoming payments due to them attempting to collect on a debt that I had disputed through both the XXXX directly as well as through the credit bureaus. I had asked that these accounts be placed on hold until being provided with the information requested. There had also been a second request mailed directly to XXXX on XX/XX/2021. After still not being provided with the documentation requested and still no responses from the bureaus, a second dispute to reinvestigate was filed electronically on XX/XX/2021. Again, I hadnt heard back from the disputes filed and the request to postpone my payments had been ignored causing a XXXX and XXXX late marker to be reported as late conventional loan mortgage payments. Again, on XX/XX/2021, and XX/XX/2021, I had sent additional requests to XXXX directly and again was never provided with the information requested. I had cancelled the service through the company I hired and studied my rights under the FCRA and the FDCPA.
Product: Checking or savings account

In XX/XX/2023 a third party deposited a check in the amount of {$14000.00} into my US Bank checking account. He was told by his bank that there would be a 10 day hold on his check. He felt bad that I would have to wait XXXX for the funds to be good so he stopped payment on his check and immediately sent the funds thru XXXX into my account. I then tried to withdraw funds from my account and I was told my account was frozen. At that point my checking account balance was {$15000.00}. They said my account was being investigated. For what I do not know. They did not tell me. I personally did nothing wrong and the bank was not out any money. I called the fraud department several times and they said the only person to give me an update was the branch manager at my bank. The branch manager says she can not give me an update and for me to call the fraud department. I've been getting the run around for three months now. I do not know why my account is even being investigated and I do not know why does it takes that long to get my funds. I am very frustrated at this point. Please help me.
Product: Credit reporting or other personal consumer reports

Its been 30 days removed from illegally reporting This company is operating illegally in North Carolina without a license to collect the debt they dont own n : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

This account was closed on the following date : ( XXXX ). Since then, the account has repeatedly been updated as current every month. This is an updated in the payment history. A closed account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. A am demanding a deletion on the following account : XXXX Account no. : XXXX
Product: Credit card

Around XX/XX/XXXX, I noticed ongoing digital download charges on one of my credit cards. Despite disputing these charges, AMEX concluded they were valid and reinstated them. In response, I closed all my cards and ordered replacements. On XX/XX/XXXX, AMEX approved another charge from XXXX on one of the new cards, which hadn't been activated. Having been an AMEX customer since XXXX, I've observed their practice of allowing charges on newly issued cards, posing a risk for fraud. Instead of a safeguard, it creates an opportunity for unauthorized transactions. Vendors should be required to contact customers for updated card information when a card is canceled, rather than relying on default approvals. I've attached a copy of the new charge for the card that was not activated as well as the charges for the fraudulent XXXX charges of digital downloads.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce. was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a claim to equifax fraud department on XX/XX/22 for accounts : XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX These items were not removed despite my demand. Please remove these accounts from my credit report or I will have to proceed with further litigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian regarding their failure to properly investigate a dispute I filed concerning an inaccurate account on my credit report. Despite my repeated efforts, Experian has failed to conduct a meaningful investigation as required by law under the Fair Credit Reporting Act ( FCRA ). I disputed this XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Midland credit management sent first letter advising about old debt. This is not my credit I never opened account all fraudulent.
Product: Credit reporting or other personal consumer reports

Experian deleted an XXXXXXXX XXXX  account on my credit report as a result of Fraud. Then they stated that the creditor verified the information and reinserted it back on my credit report because it was verified. I spoke to a representative of the company and they stated that they can't do anything to remove the account nor dispute the inaccuracies on the account because the creditor verified the information. This was disheartening because my cousin stole my identity and it shows me that Experian does not value the consumer s they are making money on and they see the person reporting the information 's opinion as absolute. I question is how did Experian verify the account is accurate with XXXX XXXX when the last time the payment history updated was in XX/XX/XXXX when the dispute occurred in XX/XX/XXXX. Experian is in violation of USC 1681i ( a ) ( 1 ) because you did not conduct a reasonable reinvestigation within the 30 day period. You also reinserted the account without properly notifying me within 5 business days. The account is also in violation of 1681e ( b ) because Experian did not follow procedures to ensure maximum possible accuracy of the account. I will not cite all the violations just in case Experian decides to state that the account is accurate in their reinvestigation and I will have proof to provide my lawyer if we have to pursue litigation. I mailed Experian proof of this as well and received no correspondence. I attached all the documents that I mailed Experian to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea who this company or why they pulled my credit. This hard inquiry has negatively affected my credit and credit score.
Product: Credit reporting or other personal consumer reports

I am very concerned with these discrepancies on my credit report. As a consumer I am very concerned and need everything corrected. The information is not 100 % accurate and these errors are making it impossible for me to buy a new house, which is already hard enough. This is putting a tremendous strain on myself, effecting not only my mental, but physical health. I need these discrepancies corrected and removed right away
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this PUBLIC RECORD to be removed from my credit file. Under Rule 9037 Privacy Protection for filings made with the court XXXX XXXX Bankruptcy : Bankruptcy ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I contacted the XXXX XXXX XXXX XXXX and their response was they do not report to any credit bureau, therefore the credit bureau original response verifying the items were either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information should be deleted immediately. Furthermore, the bankruptcy is not accurate if the full SSN or birthday can not be verified as the court can not furnish that information to any credit bureau. 


I have attached a letter from the XXXX XXXX XXXX XXXX which states they have never verified or shared this information to the credit bureau, therefore the credit bureau have lied and stated it was verified.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Mortgage

i was under review with bank of america loan modification and was never informed of my house going to sale until XX/XX/XXXX when i got and eviction notice when to court and file and answer to the unlawful detainer nd bank of america forclouser law firm contact me saying the case was dismiss no further action was taken in their behalf i was never informed or any other option till this day I 'm still living in the house and still bank of america keep going me hopes of resolving my issued and also i know that they resold the house when again because i got an eviction notice
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these accounts with these different creditors, have 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 states that a consumer reporting agency can not furnish a account without my written instructions. 

Creditor : 1. XXXX XXXXXXXX XXXX- {$620.00} - Closed on XX/XX/XXXX 2. XXXX XXXX- {$3600.00} - Closed on XX/XX/XXXX 3. Department of Education- {$1100.00} - Closed on XX/XX/XXXX XXXX. US Dept. Of EducationXXXX - {$3400.00} - Closed On XX/XX/XXXX 5. Department of Education - {$1900.00} - Closed on XX/XX/XXXX 6.XXXX  XXXX XXXX XXXX {$1000.00} - Closed on XX/XX/XXXX 7. XXXX XXXX XXXX XXXX - {$10000.00} - Closed On XX/XX/XXXX Collection : XXXX. XXXX XXXX XXXX - {$4100.00} Hard Inquiries : 1. XXXX XXXX bank ) - XX/XX/XXXX 2. XXXX XXXX XXXX ( Finance ) XX/XX/XXXX 3. XXXX XXXX  ( bank ) - XX/XX/XXXX 4. XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX
Product: Credit card or prepaid card

Received  XXXX  inquiries on my credit report from a Target/td bank that I never authorized dates  XXXX / XXXX / 2017  and  XXXX / XXXX /   2017  I called and made them aware of this but was told to call credit bureaus who of course would n't remove them and told me to call company.