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

I received a copy of my credit report with XXXX. I sent them written proof that the following creditors did not report " dispute in progress '' on my credit report during the time of dispute. The creditors were Chase Auto Finance, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. I sent them certified letters multiple times with the before and after credit reports. I also sent written proof about XXXX XXXX having a non deliverable address which is a violation of the FCRA. None of these above mentioned accounts have reported accurate information. XXXX notified me that they would not investigate further and provided no written documentation. Because of that all of these inaccurate accounts should be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information must be removed violates hippa and cra
Product: Credit card or prepaid card

I received a call about a missed payment, which was an oversight on my part. Talked to a rep from Citibank and discussed about getting the payment plus late fee and my next payment sent in by a certain date. I am still getting calls from them about my payment and the date we set up which I believe was XXXX XXXX hasnt arrived yet and I said I planned on paying it before then. Was told by the rep shed make a note of the payment being sent in and on what date. Not sure why Im still getting called about this then.
Product: Debt collection

I paid my dept to CSI to XXXX over 3 years ago, even after 3 years of asking them to removing the debt off my record it still on my record. I currently use the service and have been for the last 3 years. I have filed a dispute with the credit report XXXX and it wont get off my credit. While I do n't have the original receipt that the debt was paid in full I have statements for months i use their service. I call and they keep saying that they will take care of it and it should be off my credit in 45 days and nothing gets resolved. I even call XXXX XXXX to see if they can do anything and they give me false numbers to call. This has been a big mess that I cant seem to resolve on my own.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a identity theft report and Per FCRA XXXX XXXX XXXXdit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and accounts which were being posted to my report. Here is the list of items which were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$1300.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed XXXX {$210.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Balance Owed : {$670.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$370.00} -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$670.00} XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$210.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance Owed : {$370.00} XXXX XXXX -- -- -- -- -- -TRANSUNION : XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$210.00} XXXX  XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance Owed : {$670.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$370.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

For months, I've been struggling to correct errors on my credit report, and the process has been both exhausting and frustrating. Maintaining a solid credit standing is essential to me, yet these inaccuracies have caused significant harm to my financial opportunities and taken a toll on my emotional well-being. Despite my persistent efforts to resolve these issues, theyve been ignored, leaving me stuck with the consequences of errors I didnt cause. The impact on both my personal life and creditworthiness has been severe, affecting my ability to access credit and move forward financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXXXXXX Balance : {$650.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX*Balance : {$8100.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX Balance : {$140.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$540.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$850.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I use an app called XXXX to help save money. It automatically pulls small amounts from my bank account but my bank- PNC has started a new program/ security role that doesnt allow second party apps to connect to your account. I understand its a security issue but this app is fully secured and it is a paid app to ensure security and promise of funds. I need my account to be connected again.
Product: Money transfer, virtual currency, or money service

Ok so after verifying my identity Venmo suspended my account for 7 days holding my money XXXX they do this all the time to people its insane
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regards to my previous complaint to CFPB ( complaint # XXXX ). American Express says they reported my account as delinquent past 30 days, which is inaccurate. I closed my account with American Express, and I had it paid off when I closed it. Then, American Express says that they reported my account accurately to the credit reporting bureaus as delinquent, when, in fact they made adjustments and just recently sent me a refund credit in the mail via check in the amount of {$43.00}. Now, I expect American Express to fix their reports to the credit bureaus from delinquent to paid on time and card closed. American Express would not have issued me a credit refund check of {$43.00}, if the account was not paid off. I have not made any additional payments to American Express, which indicates that they card was paid off at the time of closing. It further appears that I actually had overpaid my balance at the time of closing, or American Express would not have issued this {$43.00} refund check. Please have American Express fix their reporting to the credit bureaus as non-delinquent, and then this matter will be resolved once and for all. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXXXXXX XXXX Account # : XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX. Account # : XXXX XXXX XXXX XXXX XXXX. Account # : XXXXXXXX XXXX. Account # : XXXX XXXX. Account # : XXXXXXXX XXXX  XXXX Account # : XXXXXXXX XXXX. Account # : XXXX XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Mortgage

I received an email to check my mortgage statement for information re my mortgage. I did and there was no message or other information just a statement that showed the amount due which was the same as previous months. I checked the mortgage activity and found a statement saying Escrow refund {$1100.00} I called Wells Fargo my mortgage servicer and was told the bank audited my escrow account and generated a check in that amount. I had been adding money to the escrow account to cover estimated real estate taxes which are due in XXXX as last years taxes were paid assessing the property as not completed and were substantially lower than this years taxes will be in the neighborhood of {$2000.00}. 
The bank never provided me with a report of the audit nor asked me why or what I would like them to do or why I had been increasing my escrow payment each month. They just arbitrarily refunded an amount. After waiting on hold for almost 2 hours and being transferred 4 times I looked up your web site and found they were not in compliance by not notifing me of what actions they had taken and the status of the audit I notified them I was filing a complaint. They refused to call me back and said I had to stay on hold.
Product: Debt collection

On XX/XX/2018 at XXXX XXXX on my work phone at XXXX XXXX XXXX XXXX a missed call was received I called back and a person stated they worked at Weinberg Mediation Group. I explained that this a place of business and explained do not contact me again at my employer. The person proceeded to call back at XXXX XXXX and ask if I was XXXX XXXX I replied this is she. Then the person began to give me my personal information SSN, address ect. and then went into that they are calling for XXXX XXXX XXXX on behalf of XXXX XXXX XXXX and that they are going to file with my employer to garnish wages. There are no court documents in the state of Delaware to show proof of this. The caller was being harassing and threatening me for a Credit card debt to garnish wages. they call from several numbers in the last 6 months they call serveral times per day that I do not answer as the automated statement states that we are trying to contact you and if me or legal representation they are forwarding my information to local authorities to file in the court. The caller also left threatening calls on my personal mobile phone to submit my information to the local court house. This is becoming very stressful as the practices by the Weinberg Mediation Group are unlawful and I have yet to receive any contact by mail. ( XXXX ) XXXX Weinberg Mediation Group 1 year in business XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Weinburge Mediation Group is what is wrong with America, there is nothing wrong with collecting a debt that is owed but the practices of this company is abhorrent and disgusting. 

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

I was the holder of a secured credit card with XXXX with a {$500.00} collateral deposit that I had paid. I used the cards many times with no issue. On XX/XX/2019 my balance was {$590.00}, I made a payment of {$360.00} which was withdrawn from my account. The very next day on XX/XX/2019 XXXX closed my card leaving me with a balance due of {$230.00}, since I had {$500.00} collateral, they deducted my balance due and refunded me {$260.00} from my collateral by check on XX/XX/2019 with check # XXXX. I thought since I had paid off the account that everything was ok until XXXX starting reporting late payments to all XXXX credit bureaus. Not only that, they stated that I owed them {$640.00}. I stated calling XXXX in regards to this issue and was transferred many times to different departments. I spend hours on the phone explaining the situation and no one could help me. I was asking XXXX to show me where the balance was coming from but each rep I spoke to stated that the only thing they could send me was a statement but the only thing the statement showed was a dollar amount due, it did not show where the charge was coming from nor could any of the representatives I spoke to could tell me why there was a balance. One representative from XXXX advised me it would be faster to file a dispute directly with the credit bureaus. I did in fact file dispute with each of the bureaus. Each time they would get back to me and say that the information being reported was accurate and that it would stay on my credit report. I did not understand how that could be so. How could they verify the information as accurate is I myself as the account holder could not get anyone to verify where the charge was coming from? It has been almost three years now that they still report a balance and showed as a charge off. This past week, out of sheer frustration and in an attempt to salvage my credit I paid XXXX the {$640.00} despite thinking it was really unfair as I did not owe this money. I only paid in hopes of restoring my credit and getting the account removed but XXXX is still showing my account. It updated to show as a paid charge off which is not any better.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my XXXX had been stolen. I got online and made an account with identity XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX  XXXX XXXX {$34000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$8700.00} XXXX XXXX {$34000.00} XXXX XXXX {$7700.00} XXXX XXXX XXXX {$3200.00} US DEP ED XXXX {$12000.00} XXXX XXXX XXXX {$8700.00} US DP ED XXXX {$3200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX  XXXX XXXX Account XXXX The company that reported the information has certified to XXXX   that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX XXXX  Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score The Fair Credit Billing Act is a federal law enacted to protect consumers from unfair billing practices, such as unauthorized charges, charges for unaccepted or undelivered goods and services and other disputed charges.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX  Account Numer : XXXXXXXX XXXX XXXX XXXXXXXX Account Numer : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I strongly urge the company to promptly remove the inaccurate account from my records.
Product: Checking or savings account

2015 identity theft. Someone tried to add money to my account. I reported my card stollen and nothing more was done other then the account being closed. Now i cant open a bank account with anyone.
Product: Mortgage

Hi, I closed on two loans on XX/XX/XXXX. First a Conventional Loan unwritten by Fairway Mortgage ( https : //www.fairwayindependentmc.com/ ) and other was HELOC by XXXX XXXX. In the entire process, I as a buyer was talking only with Fairway. The loan officer at Fairway was coordinating the HELOC loan with the other company. 

My concern is about the fees and Cash-to-Close for my house at XXXX XXXX XXXX. Cash to close communicated to me till XXXX XXXX was {$170000.00}, but I ended up paying {$170000.00}. The difference of {$960.00} came as a surprise to me, which I am not happy about. I had been asking for a final XXXX for a week before closing, and I expected to pay the fees that was in the closing disclosure given to me. 

I have raise this concern with the loan officer and their manager, but they are saying they can not do anything. 

My concern is not that I paid more than I should have. My concern is that I paid more than I was told to pay. The Loan officer was my single point of contact, and a day before closing he confirmed {$170000.00} to me and his Closer, but $ $ went high on me. 

What is the point of closing disclosure and all the communication when a Loan Office can not give final XXXX right before the closing date? 

Thanks, XXXX
Product: Debt collection

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the XXXX and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, ERC failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
ERC Account XXXX : XXXX XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
ERC Account XXXX : XXXX XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2022 XXXX XXXX, agent, XXXX XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.