23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX weeks ago I notified TransUnion of ID Theft and that someone had opened several account under my name without my consent or permission. I sent my police report with proof of my identity and proof of address all sent certified mail. Called this morning XX/XX/23 spoke with the Fraud Victim Assistant Department to inquire about the status of my Identity Theft Complaint asked if they received my documents and they said yes. When asked why these fraudulent accounts were not block they responded they have to investigate I told them that thats not what the Law says they are refusing to block these accounts and said that I have to wait 30 to 45 days to investigate. How can that be possible when the law clearly states that they have a duty and obligation to block the information and notified the data furnisher that they have block these fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have did two disputes with Transunion to remove an account off my credit report that should not be there.I have did it on line and sent the information via PRIOROITY MAIL TRACKINGNUMBER:XXXX.The account in question is XXXX XXXX XXXX for $ XXXX.This account should be removed asap due to the resolution listed below from XX/XX/XXXX which is past the 60 days and the request that I sent via mail has past 30 days with no resolution. 

Company responded Status Company responded on XX/XX/XXXX Response Type CaseID : XXXX Closed with explanation Company 's Response Dear XXXX XXXX XXXX, The account that you are referring to in the amount showing owed of {$1200.00} originated from a purchase with a company called XXXX. XXXX XXXX XXXX purchased this debt in XX/XX/XXXX and did report based on the delinquency date ofXX/XX/XXXX. However, this debt has since been requested to delete from the credit reporting as XXXX has not received the requested documentation from XXXX. If documentation is received at a later date we will notify you prior to any reporting. Once we request a deletion from the credit bureau, it can take up to 60 days to reflect this deletion request on your credit report. I also confirmed that XXXX XXXX XXXX never had any Request for information. Please contact our office if you have any additional questions at XXXX. We look forward in assisting you with any additional questions you may have regarding this account. XXXX XXXX XXXX XXXX XXXX XXXX responded Status Company responded on XX/XX/XXXX caseid:XXXX Response Type Closed with explanation Company 's Response Dear XXXX XXXX XXXX , The account that you are referring to in the amount showing owed of {$1200.00} originated from a purchase with a company called XXXX. XXXX XXXX XXXX purchased this debt in XX/XX/XXXX and did report based on the delinquency date ofXX/XX/XXXX. However, this debt has since been requested to delete from the credit reporting on XX/XX/XXXX. Once we request a deletion from the credit bureau, it can take up to 60 days to reflect this deletion request on your credit report. I also confirmed that XXXX XXXX XXXX never had any Request for information. Issues like this can be resolved by contacting us directly rather than filing a complaint such as this. We have again requested the Credit reporting Agency to delete item per the previous request and have attached the AUD number and letter for your record. I do apologize fro the delay in getting the Credit Reporting Agency to have this corrected. Please contact our office if you have any additional questions at XXXX. We look forward in assisting you with any additional questions you may have regarding this account. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I paid for a rental property on XXXX for {$1900.00} using XXXX XXXX on XX/XX//2020 which was funded by my debit card through my Bank of America checking account. The transaction turned out to be fraudulent and the funds unrecoverable from the perpetrator who resides somewhere in XXXX ( unbeknownst to me ). I filed a fraud complaint with XXXX XXXX to which there was no response and they do not have a live help phone number. They subsequently unilaterally closed my XXXX XXXX account. I also submitted a fraud claim via Bank of Americas complaint process which was denied with no good explanation. The letter from BofA doesnt have a phone number which I can call to understand why it was denied. I then called the main consumer banking phone number and was shuffled from department to department to department. I would wait hours on line then the phone would inexplicably go dead. I have tried to reach someone for 3 days with the same result. My father who is a Platinum tier client at BofA also tried calling for me with no better results. If I didnt know better, it would appear the call center is designed to autoroute the calls around departments and ultimately drop the call to avoid dealing with issues. The bank is clearly unresponsive. Not sure how to progress. Im a XXXXyear XXXX on a limited income. Thank you for any assistance you can provide.
Product: Debt collection

I purchased ( paid in full ) a device to provide 5g service in XX/XX/XXXX from XXXX XXXX. I used the service from XX/XX/XXXX until XX/XX/XXXX. I was told when i set up the device/service that since i paid in full there was no contract and the service was considered " pre-paid ''. There is now a charge on my credit report from a debt buyer, Jefferson Capital Sys. for {$190.00}. The date opened on my credit report shows as XX/XX/XXXX almost three years after i stopped service. 

I have never had any additional dealings with XXXX XXXX
Product: Mortgage

Ditech Financial got our XX/XX/XXXXXXXX tax form completely wrong and has not sent us a corrected version. 
A few days prior to XX/XX/XXXX, I submitted a request to have our XXXX corrected on the ditech website. The XXXX does not have the correct tax amount paid. Our taxes are approximately $ XXXX, box 10 shows {$1500.00}. Box 7 is not checked and the address associated with this mortgage is and has always been our only and primary residence. 
On XX/XX/XXXX I get an email response that a ditech customer service rep will be contacting me. That is the last communication I have received from this company. 
I repeatedly checked the website to see if they had posted an updated XXXX but they had not. 
Now they have sold our mortgage to another company and the ditech account is closed. This mean I can no longer access the documents I need. How am I supposed to do my taxes when this shady mortgage company can't get tax documents correct and has abysmal communication practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that XXXX XXXX  have placed an inquiry on my TRANSUNION credit file dated XX/XX/2020. On multiple occasions I requested XXXX XXXX and TRANSUNION to verify these inquiries. They have yet to do so.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute and Request for Investigation of Inaccurate Credit Reporting To Whom It May Concern, I am writing to formally dispute and request an investigation into the inaccurate reporting of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and its subsequent transfer to XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). Specifically, the payment history reflects errors that significantly misrepresent my financial record. 

According to the reports, my XXXX XXXX account indicates that I was 90 days late in XX/XX/year> and XX/XX/year>. However, the account never accurately reflects a progression of delinquency from 30 days late to 60 days late and then to 90 days late, as required by standard reporting practices. Furthermore, the account was closed due to a transfer to XXXX, yet the misrepresentation persists. 

This reporting error violates my rights under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ], which mandates that credit reporting agencies and furnishers of credit information must ensure the maximum possible accuracy of the information they report. This inaccurate reporting has caused undue harm to my credit profile, and I am demanding immediate rectification of this error. 

Additionally, I am aware of prior lawsuits and complaints against XXXX concerning the misrepresentation of consumers ' accounts and erroneous credit reporting practices. For instance : Case Example : Lawsuits allege XXXX XXXX failure to maintain accurate account records and properly update credit reporting agencies, which mirrors the issues I am currently experiencing. 
Violation Allegation : Misrepresentation of payment history and account status, as in my case, has led to widespread consumer harm, further supporting the need for immediate corrective action. 
I respectfully request the following actions : Immediate Correction : Amend the payment history for the referenced accounts to reflect accurate information.

Verification of Accuracy : Conduct a thorough investigation into the reporting discrepancies and provide a detailed explanation of your findings. 
Notification to Credit Bureaus : Inform all credit reporting agencies of the corrections to ensure my credit profile accurately reflects my account status. 
Please consider this communication a formal complaint under the FCRA. If the requested corrections are not made promptly, I reserve the right to escalate this matter further, including but not limited to seeking legal remedies. 

I trust that you will give this matter the urgent attention it deserves. I expect a written response detailing the steps taken to resolve this issue within 30 days of receiving this letter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I WAS BANKING WITH NAVY FEDEREAL CREDIT UNION AND HAD BEEN SINCE XXXX AROUND XX/XX/XXXX I HAD MOBILE DEPOSITED A CHECK GIVEN TO ME FROM SOME WORK I DID FOR A CLIENT IN THE AMOUNT OF XXXX XXXX XXXX CHECKS NAVY FEDERAL PUT THE MONEY ON HOLD AND RESTRICTED ME ACCESS FOR 7 DAYS TO VERIFY FUNDS AND THAT THE ACCOUNT WAS ONE IN GOOD STANDING ON THE 8TH DAY IS WHEN I CALLED TO GET A UPDATE AND STATUS OF THE FUNDS IN WHICH SOMEBODY IN THE SECURITIES DEPARTMENT INFORMED ME THAT THEY HAD VERIFIED AND VALIDATED THE FUNDS AND ACCOUNT THEY THEN RELEASE MY FUNDS DUE TO ME NOT.HAVING A CHECKING AT THE TIME I TRANSFERED THE MONEY TO MY SISTER WHO IS ALSO A NAVY FEDEREAL MEMBER SHE THEN TRAMSFER VIA XXXX APP THE ENTIRE.AMOUNT OF THE TWO CHECKS NAVY FEDEREAL THEN COMES 3 DAYS LATER AND WITHDRAWLS XXXX  OUT.OF MY LIL SISTER ACCOUNT SAYING THWY REVERSED THE FUNDS FOR FRAUD EVEN THO THAT WHY THEY.INITIALLY HELD THE FUNDS FOR THOSE 7 DAYS
Product: Checking or savings account

I received a check from the US treasury. I deposited XX/XX/2023 into a new account at the bank and they have refused to release a hold on the check. Today is now XX/XX/2023. They have not been able to tell me why they won't release the funds. I've made several phone calls and sent email. I am only told it is being investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I received a copy of my credit report with the intention of trying to improve my credit and take care of responsibilities and noticed a few accounts that need more clarity. I am not 100 % sure if they are accurate. I also read something called the Fair credit reporting Act where by law I have a right to challenge anything I am not sure is accurate. Some people are reporting things on me that dont seem accurate.

Are you familiar with something called 15 Usc Sec 1681a? I heard that if you cant provide proof, these accounts need to be deleted immediately! Well I want these accounts deleted if they are not 100 % right and correct. So you have up to 30 days to complete this investigation, which was confirmed by a lawyer. Please investigate the following accounts and remove them if the information is not correct! 
My student loans are not consistently the same information across the 3 credit bureaus. So i am confused as to why the dates arent the same because per law, these pieces of information have to match identically with the 3 creditors.

Also any type of credit transactions whether its finance, leases, loans, purchases have to be cash in hand. I never received any type of compensation for those loans.

Per 15 U.S. Code 1679, these transactions were never done which is a violation. 

Also XXXX was sold to a different company and bought out and i was never sent any documentation on what I owe or moving forward
Product: Credit card or prepaid card

I purchased 2 sets of tickets but I was refused at the venue, the tickets I legitimately purchased did not work and cost me my travel fees and other charges, including the cost of the tickets.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed 2 bankruptcies on my Transunion reports in XXXX I trying contacting them about this unknown information, Bankruptcy # XXXX and Bankruptcy # XXXX, several times throughout XXXX to XXXX. In XXXX of XXXX they stated they verified with third party entity LexusNexus that the information is accurate. I thought they had to get all information from a original source. I then contacted XXXX and they provided me with my file on XX/XX/XXXX. The file they provided me a copy of my XXXX report has no Information about any bankruptcies. I once again notified Transunion about the lack of information and asked for it to be removed, TransUnion verified these items again. This time they said they verified the information with the court. So I contacted the court clerk by mail and they responded with a letter that stats the court does NOT verify any personal bankruptcy information with any reporting agency. 
I then filed a complaint to the CFPB and waited for a response. I sent the letter from the court to them and TransUnion still verified these items again with the court, H OW, they must prove this information is accurate. I don't think they are doing any investigation. 

How is this possible after I have provided proof that they DID NOT VERIFIED THROUGH THE COURT, AND THERE IS NO BANKRUPTCY INFORMATION IN MY FILE FOR THE THIRD PARTY XXXX. I May have to take legal actions, because I believe my rights are being violated.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXXXXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

Behind on payment for credit card, made payment arrangement for XX/XX/XXXX to pay balance. 
Receiving calls of upwards of 10 times a day, from different numbers and also private numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is erroneously reporting my account held by XXXX XXXX XXXX XXXX XXXX Current report has my XXXX account listed under Adverse accounts stating the account as two months late payments. This is adversely impacting my credit score by over 50 points. XXXX Bank sent EQUIFAX a letter stating account should be stated as CURRENT and should be reporting as PAID AS AGREED WITH NO PREVIOUS DELINQUENCIES ( see attached letter from XXXX XXXXk sent to myself and XXXX on XX/XX/XXXX XXXX.
Product: Vehicle loan or lease

I have contacted Capital one Auto Finn. The information that they have is not my address never lived there. I have done a fraud pack of their information twice and they want me do another one, for them to not do anything about the issues. I think this is another tack that they are doing to keep this account on my credit report. Capital One Auto have made my life miserable. I have been fighting this for 4 years and nothing but back and forward to no end.
Product: Debt collection

I am writing this due to non-compliance with the ( XXXX XXXX XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block, Inc. ) Due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp failed to take timely and effective measures to prevent and adress fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have cost significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I noticed some inaccuracies on my financial report and decided to contact the furnisher and the credit reporting agency in regard to my concerns. After I received no resolution, I filed a CFPB complaint # XXXX. Shortly after I filed such complaint, I find that I was attacked in retaliation for filing the complaint. This action taken caused my score to go down. I have had issues with being attacked by score manipulation for positively resolving collections so that they are removed though this company has lowered my score for having collection accounts. I have receipts that all accounts being reported have been resolved in full yet and I have endured damage to my reputation for years due to this companies ' willingness to mislead me with constant denial of due process and coercions to keep me financially burdened and to daily damage my name and standing.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to dispute a fraudulent account that has been incorrectly reported on my credit file. I am a victim of identity theft, which has been documented in an FTC Identity Theft Report. I have never authorized the creation or reporting of this account. Despite multiple disputes, the account remains on my credit reports. 

The disputed account is : XXXX  XXXX XXXX In addition to my concerns about Identity Theft, this account contains inaccuracies and inconsistencies across all three major credit reporting agencies. Specifically, the " date of last activity '' and payment history appear to have been manipulated to extend the reporting period, which violates the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

I checked my credit report this afternoon and I'm still disappointed with the content because of the inaccurate accounts that I don't have any knowledge on KEEPS REPORTING ON MIY REPORT.
Product: Mortgage

I initiated a loan modification XX/XX/XXXX. The process took over nine months to complete. The lender agent advised me that no payment was due during the process and never sent delinquent notices to collect the monthly payments. Upon reviewing my credit report, I discovered that the lender reported my account delinquent for the duration of the review process. After being a customer at Wells Fargo for over 10 years, I would think that they would not compromise my credit rating ; however that is not the case and now I am suffering a lower credit rating due to it.
Product: Credit card or prepaid card

On XX/XX/2022, I made an online purchase of a XXXX XXXX from Home Depot XXXX The price of the lawnmower was listed at {$310.00}. While making this purchase, I applied for and received veteran discount status. After requesting the veteran discount rate of 10 % for this purchase, I received a discount of {$31.00}, bringing the total purchase price down to {$280.00}. 
I was now ready to make the purchase and proceeded to check-out. My intent was to use a credit card that I already had. However, I was next prompted by Home Depot to consider opening a charge account, and if so, I would receive an additional {$50.00} discount just for opening it. At this time, I applied for and was accepted for a Home Depot Credit Card Account. I then proceeded to check-out and make the purchase. 
When I received my receipt online via e-mail, I noticed that the {$50.00} discount was not granted. I called and spoke to Home Depot Credit representative and he stated that the discount will show up as a statement credit and not to worry. 
I received my statement dated XX/XX/2022, and there was no indication of a {$50.00} discount being applied. 
I phoned Home Depot Credit Services again on XX/XX/2022, and after a half hour of waiting for a representative to rectify the mistake, I was informed that since I had already received a discount of {$31.00} based on my veteran status, the {$50.00} discount that was offered to lure me into opening a charge account does not apply. 
I had no intention of opening this account, but I couldnt pass up a savings of {$50.00}. 
Home Depot used deceptive means to lure me into opening an account. 

I would like {$50.00} applied to my existing Home Depot Credit Card balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because I had previously disputed XXXX XXXX Servicing a close account which is reporting 5 times 30 days late. One in 2019 and others in prior years. The credit report agencies will not allow me to dispute the 30 days late payments on the close accounts. I'm unable to apply for a new mortgage until this information is updated on my credit report reflect a timely payment history with no negative information. 

I have made all of my payments in a timely manner. 

I also tried to contact XXXX XXXX XXXX and was unsuccessful since this is a close account.
Product: Credit reporting or other personal consumer reports

PayPal Credit is inaccurately reporting an account and balance that do not belong to me. I have already disputed this matter, and they have blatantly violated the rules, regulations, and timelines that should govern this process. This is a clear case of identity theft and fraud, and I demand immediate action to rectify this situation. The account and balance in question are not mine, and I expect a swift resolution.
Product: Debt collection

XXXX, XXXX doing business as XXXX is continuing to report I owe a debt that is discharged. XXXX, XXXX accepted payment of this debt obligation and as the indenture trustee JP Morgan Chase Bank, N.A., had the duty in ensuring my security was properly handled. Under the Securities Act XXXX, XXXX and JP Morgan Chase Bank N.A. or both in violation of federal law in the handling of securities.