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

I have 3 times explained to transunion and XXXX about INQUIRES on my record that i fid not place and there was a fraud alert on file! They are refusing to remove them even after i sent 2 letters after i called them about the same matter!! They keep saying it is coming back verified but have not produced documentation. Im well aware of the federal case state law that says consumer reporting agencies bear grave respondibilities to ensure accuracy of accounts they report on and and its there responsibility to say more than parroting information recieved from the other source! They have ignored my request to send me documentation in there fes that they used to verify and validate!! And under section 611 ( 5 ) ( A ) of the FCRA they were to promptly delete the inquires. Negligent compliance section 617 is civil liabilty law. And im a litigious consumer and fully intend on pursing litigation if this matter is not taking care of asap!! they have the names of all inquires into which im referring and this needs to be done asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is painly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for ligation due to the XXXX you caused me. My information was also impacted by the equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i have contacted the credit bureau and ask them to delete these accounts they have not as of yet please delete these hard inquires asap 24hrs for this is affecting my day to day living thank you.
Product: Debt collection

Multiple calls morning from nights. When trying to arrange payments they deny the amount and want me to pay the exact amount. They told me borrow money from friends or family.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit reporting act, They have violated my rights to privacy. 15 U.S. 1681 section 602 A. states I have the right to privacy.

15 U.S. C 1681 SECTION 604 A section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions if i know or have any reasonable cause to believe that the information is inaccurate.

15 U.S C 1681 A tilted definitions Rules of construction. That transactions are not included in the consumer report. Late payments are forms of transactions. So, by late payments reporting to my consumer report, it is actually a violation of A Fair Credit Reporting Act. Which also means if you have a late payment report to your consumer report it's a direct violation of the Fair Credit Reporting Act
Product: Credit card

Been filing fraud claims with Chase due to my identity theft and as of this morning, Ive noticed that theyre rebilling me for these charges. Some of these charges, Ive confirmed to be fraudulent. They never supplied me with one explanation of why all they have done is sent me altered Statements. Upon calling the fraud investigation team this morning Ive been hung up on as Well, as lied to.
Product: Credit card or prepaid card

I was supposed to receive the Go Card for GA UI. But the card never arrived to my current address. I attempted to call the 800 customer service number but I could not reach anyone to speak with, because the IVR asks for a pin which I never set up because I never received the card and the system will not allow you to speak directly with a rep. I've written two letters to the address in XXXX XXXX and still have not received any communications via email or by phone which was both provided in the letter.
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 DP OF EDUC Account # XXXX XXXX XXXX  Account # XXXX DPT EDXXXX Account # XXXX DOE XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Has violated my privacy 15 U.S.C 1682 section 602 A states I have the right to privacy 15 U.S.C 1682 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax multiple times over the past 7 years over the same issue. I do not exist in their system we go through the process and I mail them all the required documents to verify my identity and establish a file. A few weeks later I will get a letter basically telling me I don't exist and to contact Equifax XXXX. I am not from XXXX! XXXX and XXXX have perfect accuracy on my credit history but Equifax has caused me undo financial burden with this error as I have been forced to take loans with higher interest because better lenders require an Equifax report. In the past I have been denied housing and job opportunities as well
Product: Mortgage

Well Ocwen Loan Servicing, Loan. I bought the property for XXXX Now the Loan, is up to XXXX so they modified my loan on this amount. The house is worth XXXX XXXX dollars. I will like to complaint that they are trying to foreclose the house and I am going to loose all my savings. Thank You. 


The Company deny me for a modification. 
Please help a concern United States citizen. 
Thank You.
Product: Money transfer, virtual currency, or money service

I am writing formally to express my concern with zells handling of disputes particularly in the light of the recent cfpb lawsuit highlights significant issues with the platform despite using XXXX numerous of timesaving reporting discrepancies my financial issues and XXXX failed to investigate my claim adequately the in formed me that recovering lost funds was impossible and tracking these transactions was unfeasible the cfpbs findings indicate that XXXX has not only neglected to protect consumers but also allows repeat offenders to exploit the system leaving users vulnerable to scams the lack of accountability and transparency is unacceptable to raise serious concerns about consumers safty
Product: Credit reporting

There is a " near credit limit '' notice on my credit report for XXXX XXXX, the balance for which is listed as a credit card. This is not a credit card. I used this company to consolidate my student loans and I am paying monthly for the charge associated with the consolidation. The notice specifically says " You have XXXX credit card using more than 60 % of its reported credit limit on your credit report. '' I am not sure if this is adversely affecting my credit score but I am hoping that the information can be corrected. As previously stated, this is not a credit card. 

Also, my employer information is incorrect. As of XXXX XXXX, 2012, my employer became XXXX XXXX XXXX. 

Thank you for your time and attention. 

Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX, I do not have a contract with XXXX they did not provide me with the original contract as i requested
Product: Credit reporting or other personal consumer reports

Equifax refuse to delete XXXXXXXX XXXX  from my credit report .The house was sold because of XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. The XXXX XXXX records of deeds reflect this sale. XXXX has been reporting the account to Equifax and has a negative payment history and the house belongs to XXXX XXXX XXXX This has impacted my credit rating and my score. I filed a dispute last year and Equifax is the only credit bureau who refuses to remove the mortgage. So I filed another dispute XX/XX/XXXX and its still on my credit reporting inaccurate information. The mortgage needs to be deleted because of the negative reporting on my credit for so long. It is reporting that I am XXXX in the rear and have not paid since XX/XX/XXXX and I didnt own the home XX/XX/XXXX. Equifax refused to do a proper investigation
Product: Credit card or prepaid card

On XXXX XXXX I placed an order with XXXX XXXX I paid {$75.00} extra for overnight shipping. The estimated delivery was XXXX XXXX. On XXXX XXXX I sent XXXX XXXX the below email. 
XXXX ) Where's my order # XXXX? The order was placed XXXX XXXX XXXX XXXXXXXX est delivery XXXX XXXX. I did not pay {$75.00} for overnight shipping to have it arrive the next week. I except a refund on the shipping cost or there will be a charge back with the credit card. 
XXXX XXXX XXXX from XXXX XXXX  responded XXXX ) We are very sorry for not being able to send the order on time. I will make a follow-up today to make this order fulfilled. Kindly wait for the order and we will also provide a partial refund for the shipping cost. You will receive a XXXX XXXX refund for the shipping cost once you received the order. Please accept our sincere apology for the inconvenience. If you have questions about this order, kindly send a response so we can further help you. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX responded XXXX ) Sorry, I am done waiting on you to ship this order. Cancel the order and refund {$380.00} to my credit card. 
On XXXX XXXX Spirts responded XXXX ) Your order # XXXX will be requested to be canceled and refunded the {$380.00}. Kindly give us time as we are currently updating our system. The processing of refunds and cancellations may take time. 
XXXXXXXX XXXX XXXX XXXX I filed a dispute with Citi credit card they gave me a conditional credit, On XXXX XXXX Citi sent me a message stating that the dispute was resolved and the credit was permnament. 
XXXX ) XXXX, XXXX. We're pleased to let you know that your dispute has been resolved- your {$380.00} conditional credit is now permanent. There's nothing else you need to do. 
Citi is now saying the dispute is reopened and it's back to a conditional credit. That dispute should NOT BE REOPENED, I requested to cancel the order the merchant was upgrading their system, that's not my issue. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been incarcerated since XXXX and i was released XX/XX/XXXX to come home to find many accounts open in my name and my bank account empty.my home was broken into shortly after i was arrested and alot of personal information came up missing and that how i believe this started
Product: Debt collection

I went to XXXX  XXXX XXXX on XX/XX/XXXX, that say I owe a balance of {$830.00}. I do not have that amount of money I am a XXXX  XXXX who got furloughed by their job. I barely received this notice on XX/XX/XXXX. They did however give me 30 days to pay of this debt. I need help I dont know what to Im so young  and I dont want my credit score to drop how am I going to pay this debt if I dont have enough money.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items listed below remain on my credit report in violation of XXXX XXXX. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation, they stated in writing that they verified that these items are being reported correctly? Who verified these items? 

I demand the following items be verified or deleted immediately. 

XXXX XXXX XXXX XXXX, NJ XXXX -- -- - I don't live here. Please remove. 
XXXX XXXX XXXX XXXX, NJ XXXX -- -- - I don't live here. Please remove. 

I don't recognized these inquiries. 

XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit card or prepaid card

JP Morgan Chase Bank rejected my billing dispute against the merchant XXXX  due to services not rendered as agreed upon without inquiring about the details of the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute that was sent over to them and they responded back that they wouldn't remove these two innacurate items from my report due to them being legit when they are not.Then Ive called 3 different numbers I was given for them and they have not been reachable even after I left two messages.
Product: Mortgage

My wife and I have been looking for a home as we will be first time buyers together for about two years now. We recently found a home that would suit us and the family we wish to have one day. With that said we heard good things about Quicken Loans and Rocket Mortgage. We made first contact on XX/XX/2019 and spoke with a few people until we came across the person to run your credit. As always the company running your credit gives you the talk about what theyre doing with it and they say we will do a ONE TIME credit pull. That is not the case. We recently went to another bank to be pre approved and were told no because Quicken Loans had ran our credit for a total of 13 times! We were listed for to many hard inquiries. My wife and I are frustrated that a company claiming to help first time buyers would do such a thing to a potential customer. My name is XXXX XXXX and my wife is XXXX XXXX. This is just wrong and unprofessional. We would like some action taken for this. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I contacted XXXX XXXX from email to my in-box. I was informed there were 2 fraudulent items on my bank statement - checking account. He proceeded to transfer me to Chase service, my bank. There I was told that the items could not be fixed. I was told that the FBI was involved. It would take 2 days. This went on over two weeks. I was told to track the people stealing my ID I would need to take all but {$300.00} out of my checking and savings. I was given a case number, told to take picture of name, case number, another picture of the cash. Give to carrier. Then went through XXXX to put money into my checking account. This process continued for two weeks when I stopped as losing money and I checked with Chase and was told that taking money out was not part of ID theft tracing. I am still dealing with my savings being non-existing and my checking also being low. I changed my debit number and reported to bank, credit bureaus, and XXXX. However, XXXX has me negative $ XXXX that I was being countered reported by XXXX XXXX of scamming him. He and a woman XXXX were being used on XXXX with my transfers of money back to my bank. The total was over {$8000.00} between these two people, neither of which I know. Shipments were said to have been made Between me and these two people, not with those two to each other. Their dates of transaction is XX/XX/2022. No shipments made to either of these two people nor to me. I had {$7100.00} taken from my accounts, {$8000.00} owe to XXXX. I believe that I now owe XXXX {$5000.00} which includes fees. I am out {$3000.00} in my bank accounts. When I stopped the two week back and forth with taking money out and putting in monies to my checking account, less money each time as money got stolen, I kept {$4000.00}, {$2000.00} in cash which has been spent in the month and {$2000.00} in my checking that has been spent on my bills. On my phone and email I have kept contact made to the people who claimed to be XXXX XXXX and Chase. On report made to FBI and FTC.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of information contained in my Lexis Nexis consumer report. I recently obtained a copy of my report and discovered several items that I believe are inaccurate. I am requesting a thorough investigation into the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). These accounts are false and falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information Experian.
Product: Credit card or prepaid card

I lost my Bank of America credit card and reported it to Bank of America. I set up the fraud claim with Bank of America. Bank of America refuse to reimburse me for the fraud loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

The bottom line Is Experian XXXX XXXX Advertise, if a person pays for their service then they're able to see the same Fico Score a potential Creditor would see. On or about XX/XX/19, I purchased Experian XXXX XXXX XXXX and I was able to see my FICO credit score, which I assumed was accurate. I applied for credit Based off where experience Credit works Show me My score. The potential creditor Pulled my Experian credit report and denied me the credit Because my score was not high enough When I told him I pay Experian XXXX for this information, He informed me that Experian XXXX XXXX supplies the consumers with an estimate score and provides potential Creditors with the true score Which is usually XXXX to XXXX points higher. On XX/XX/19 I called Experian XXXX and filed a formal complaint and canceled my membership. As of XX/XX/19 I have yet to hear anything from anyone at Experian XXXX XXXX. I would like To be made whole And to receive a formal apology from Experian XXXX XXXX also, They should change their advertising And let potential Purchasers of their products know the truth!
Product: Credit card

My credit card company will not acknowledge payments I have made and will not refund my payment. I have sent proof of payment several times but they keep imposing late charges on debt I have paid and do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/1922 I went to the ATM at Simmons Bank located at XXXX XXXX XXXX  XXXX, XXXX, OK around XXXX due to the bank wasn't open yet. I attempted to withdraw {$500.00}, but the screen displayed a message that said : '' this function is unavailable at this time. '' The ATM didn't give me a print out stating this occurrence. I thought the ATM was out of money, so I drove to the other Simmons bank located at XXXX XXXX XXXX XXXX, XXXX and I attempted to withdraw {$500.00} and the ATM screen displayed the same message. The ATM didn't print out a paper slip this time either. The attempted withdraws were made approximately 15 minutes apart. I don't use the online banking with Simmons, so when I received the XXXX statement in the mail I discovered two {$500.00} amounts had been taken out of our checking account on XX/XX/22 for ATM withdraws. I called the Bank on XXXX  and they said they would open a dispute case, I also went in and talked to them and told them about what the ATM had displayed. I waited and they finally sent a letter stating the case had been closed and determination had been made that the money was dispersed and that there was no error found. I went in again after I received the letter and talked to Simmons bank at 3 different locations, the two mentioned above and one located in XXXX, OK. All three locations had a different reason for their decision. All lies. Treated me very disrespectful. We have a limit of {$600.00} daily and I asked how could we withdraw a {$1000.00} just to make a point, but nobody would believe me. I filed a complaint and mailed it to the Federal Reserve on XX/XX/1922 and got a response from them to contact CFPB about this. We have been trying to get our money back all this time. So a couple of weeks ago or so I got an email from my bank about a survey and my wife filled it out and told on there what had happened, then another bank employee looked into it then my wife received a call later that they had video proof I took the money, so I went to the bank and looked at their fuzzy video and it was me in the video, but I was putting my card back in my wallet and putting it on the corner of my dash where I keep it while driving. The bank just doesn't believe what I'm saying so therefore a deep investigation isn't going to happen. We're told the ATM balanced, I can't explain that, but I just know I didn't take any money. I asked for proof right after I received a letter saying the dispute had been resolved, but they wouldn't provide anything until today, XX/XX/22.