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

On XX/XX/2019, I sent TransUnion several address disputes. There are a total of 15 incorrect addresses on my consumer report. I asked Transunion to look into these addresses and remove them from my report. On XX/XX/2019, TransUnion sent several consumer reports back to me, with the exact same information on them, and no updates or information about any review being completed. On XX/XX/2019, they also sent a separate letter saying my correspondence was " illegible '' and they could not process anything from any of my prior letters on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX Account # XXXX open XX/XX/year> reported on all 3 credit bureau 's XXXX, XXXX, and Transunion without my knowledge or approval. I've sent letters and made calls to the company and disputes to all 3 credit bureau 's about this account and they have not done the proper research to remove this account from my credit report. This is not my account.
Product: Credit reporting or other personal consumer reports

Cfpb complaint # XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has violated my rights. 15 usc 1681 section 602 A States I have a right to privacy Under 15 usc 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my permission. For as these accounts are damaging my credit worthiness
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

These accounts were utilized by some one other than me. My wife and I were scammed. We have had accounts with good standing, until someone stole our identity and mis used our names and social security numbers. THE FOLLOWING ACCOUNTS MUST BE REMOVED!!! If not, I will file a civil suit against all 3 bureaus. I am also requesting proof of signature which the credit bureaus should have on record 1 ) XXXX XXXX ( Balance ) {$3000.00} Opened : XX/XX/XXXX 2 ) XXXX ( Balance ) {$8000.00} Opened : XX/XX/XXXX 3 ) XXXX ( Balance ) {$6200.00} Opened : XX/XX/XXXX 4 ) XXXX XXXX ( Balance ) {$6600.00} Opened : XX/XX/XXXX XXXX ) XXXX XXXX  ( Balance ) {$1800.00} Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card on XX/XX/2020 - I have great credit in the 800 's - XXXX XXXX used : SAGESTREAM , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX They reposted me as deceased and my credit score dropped 10 points because of it. 
I am very much alive and very concerned and quite annoyed. 

I've tried contacting the company, but there is literally no avenue to speak with someone.
Product: Credit reporting or other personal consumer reports

Unauthorized Hard Inquiries. To whom this may concern, I recently reviewed my credit report and noticed multiple hard inquiries that are unrecognizable to me. I did not secure an account with any of the following companies which is securities fraud and did not authorize my credit to be pulled during the highlighted instances. Please remove the following inquiries IMMEDIATELY in order to restore my credit to a more accurate status. The accounts to be removed are as follows : Equifax : XXXX XX/XX/year>, and all other pulls from this company, XXXX XXXX XXXX XX/XX/year> and all other pulls from this company, XXXX XXXX XXXX XXXX  XX/XX/year> and all other pulls from this companyXXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX XX/XX/year> and all other pulls from this company, XXXX XX/XX/year> and all other pulls from this company, XXXX XXXX and all other pulls from this company, XXXX XXXX XX/XX/year> and all other credit pulls from this company.
Product: Credit reporting

There are XXXX separate accounts from the same creditor listed, except that XXXX of them could not possibly be mine because it was opened in on a date when I was still a child and has a completely different account number to the correct XXXX, which strangely enough at the time which the valid one was opened, card received and all, after about a month, I received a call that said that I was mistakenly approved and the account was closed by the credit card company. The same applies for the inaccurate XXXX from 1999 with a completely separate account number, balance, and credit limit.
Product: Mortgage

My first mortgage which is a senior lein and we are good standing with, was not contacted, nor have they been paid and my balance with them is 50 % more than the junior lein [ second mortgage ] amount stated due. They allegedly foreclosed on my property without contacting the first mortgage and neither did they contact me. My home was unlawfully, allegedly foreclosed on by RRA CP Opportunity Trust2. They used fraudulent assignments to convey the deed. I never signed the " borrowers waiver of rights ''. They created this trust for the purpose of foreclosing on my property. I never received any notification or correspondence from this company in 16 years. Once I have contacted them to correct this problem, The issue has not been resolved. There is a title issue involved. there is no foreclosure deed recorded. Only an assignment that was signed by a known robo-signer [ XXXX XXXX XXXX. Fraud can not be the basis of obtaining a deed and this is the practice of this company. There has been many cases filed in the US sighting this company and this robo-signer as well as a witness on the assignment for fraud. Would you please investigate this and open a case for mortgage fraud.
Product: Money transfer, virtual currency, or money service

I have been a victim of XXXX of the worst wire transfer frauds involving Wells Fargo and allowing fraud accounts to be set up in XXXX California XXXX banks where my money went and ultimately sent to XXXX Criminal Call Center location scams I believe. Over XXXX of them were just busted. The story is unbelievable and multi-layered with imposters from XXXX and higher authority Wells Fargo impersonators. Wells Fargo did nothing to protect me as this took place over XXXX weeks when I was being sent to my banks to do things to supposedly protect myself, yet no one at XXXX different Wells Fargo locations questioned me. Over XXXX figures are gone and FBI and local detectives are also on the case, as it's part of a ring I was told. I am on a mission to bring this to light so that banks have to take responsibility and change the way they do things when someone comes in to wire or money is wired. This is a worldwide epidemic. There are recent articles about the XXXX call centers and on XXXX being involved in other types of Frauds as well. XX/XX/XXXX started with fraudster until XX/XX/XXXX when in all imploded. Wells Fargo was informed once I found out about the scam and that he was not with Wells Fargo on XX/XX/XXXX and claims were filed and XXXX after a few contacts with me did nothing and closed the case. I have all the wire transfer documents and letter from XXXX closing my case which I can send over. I attached the most recent letter they sent by wire paperwork has confidential info I can cross out and attach.
Product: Debt collection

For the account that is listed below, I am requesting the original purchase agreement that shows you are the legal owner of this alleged debt. Please include all the terms and conditions that are included in this purchase agreement.
Product: Credit card

I am XXXX and I have a bunch of bank accounts and credit cards. I tend to watch things using wave accounting which generates reports covering everything making my life easier. Today I received the following report : XX/XX/2016 LATE FEE FOR PAYMENT DUE XXXX $ Uncategorized Expense MBNA Card I hope to prevent this in the future as I have put an " event ' in my smartphone calendar to remind me to pay it on the XXXX of each month. But I sincerely wish that Bank of America would notify me by email a day BEFORE they access the penalty, rather than using a big " net '' to rake in money from thousands of card holders who may make the same error I did. This is not fleecing XXXX, but I am sure they make lots of money this way and I believe that as a courtesy they should automatically send me an email a day in advance so that I may remember to pay it, rather than hitting me over the head with a hammer with a {$37.00} charge. I am a good bank of america customer, but I am afraid that there is some XXXX somewhere in the Bank of America corporation who gleefully manages the collection of these charges.
Product: Money transfer, virtual currency, or money service

My balance on the robinhood account is the {$2600.00} and they not let me take it out or use my account because I transfer some money to different accounts a week ago I reach out and they keep telling that the information i send that is ID pictures a selfie of me bank statement and pictures of my passport and they still saying the information i send doesn't match the information on robinhood they clearly see the money come in and out of my bank account they are doing this to hundreds of people this is robbery
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX XXXX  Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Hello, On XXXX I lost my job. I was placed in a financial crisis and was unable to pay cards. Unemployment took a very long time and me and my children were facing eviction. I spoke with several reps at Capital one to see what I could do in XXXX. I started back working the end of XXXX and made a payment to try to avoid closure XX/XX/XXXX. They took payment and closed account XX/XX/XXXX. They applied my XXXX security towards balance. I went in account XXXX to make another payment and noticed account was restricted and closed out. They couldnt explain why/decision was made to close account. With everything going on with loss of jobs, financial crisis due to pandemic, it would seem some of these companies would have something in place to assist at this time. My account was open for over XXXX years. I am a single XXXX and was trying to purchase a home by next year for me and my family. This is XXXX  me.
Product: Mortgage

I applied for a loan modification in XXXX of 2022. I called the bank 2 times a week for the past 5 months. Every time I call they give me a list of documents missing. Each list has nothing to do with the prior list that I submitted. Once they get all the documents they need then they come back and ask for updated bank statements. After I send that in they make an excuse that a page or 2 was blurry, then they ask for an entire new list which again has nothing to do with the bank statements. One more example is they asked for a Profit and loss statement. After months of sending updated docs and even this profit and loss they recently stated they wanted the profit and loss one month at a time not all 3 months together. It seems they are doing everything in their power to stall this process out and take my home in a foreclosure. We have gone to court on this matter as well and the court has moved the sale date 2 times. The attorney for the bank has not been helpful at all, although in court he is very nice and states he will try to help ; but outside of court he has been rude and unhelpful.
Product: Checking or savings account

My wife and I opened XXXX checking accounts on XX/XX/XXXX. The accounts were our " house '' account XXXX and " groceries '' account XXXX. When we opened the accounts, we were required to hold an aggregate average daily balance of XXXX or we would be assessed a {$25.00} fee each month. The fee is only assessed once regardless of the number of accounts. We added XXXX more checking accounts " billpay '' XXXX and " savings '' XXXX on XX/XX/XXXX that were also linked so that their balance was included in the aggregate daily balance. We were assessed no fees through XX/XX/XXXX because our aggregate balance was above {$10000.00}. My wife added a fifth checking account " XXXX  '' XXXX in XX/XX/XXXX. However, when the bank added the fifth checking account, the customer service agent changed which accounts were linked. There are XXXX boxes the customer service agent has to check to link and include the accounts in the aggregate balance calculation. The agent setting up my wife 's account did not check them both which caused the billpay, savings, and XXXX account to all have their own individual {$10000.00} requirement ( {$1500.00} in the case of the nana account ). As a result of this customer service error, the bank assessed fines on those XXXX accounts intermittently from XX/XX/XXXX to XX/XX/XXXX ( when we realized the error ) totaling {$1200.00}. I discussed this error with a customer service representative and my understanding is that if the accounts had been correctly linked per the original agreement, we would never have been assessed a fee on these accounts. We should have only been assessed {$120.00} in fees ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) on the house account XXXX account. The bank has refunded {$75.00} in fees.
Product: Debt collection

During COVID I lost of forms of income and ERAP covered the past due rent. The landlord accepted the amount and still forwarded it to a debt collector. I disputed it with the credit agencies and they claim the debt stands. I have the written proof it was paid immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX  XXXX Balance Owed : {$670.00} XXXX XXXX XXXX Balance Owed : {$670.00} US DEPT ED XXXX Balance Owed : {$4400.00} US DEPT ED XXXX Balance Owed : {$2000.00} XXXX XXXXXXXX Balance Owed : {$500.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$470.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$670.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXXS XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$1500.00} XXXX XXXXXXXX Balance Owed : {$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX Balance Owed : {$670.00} XXXX XXXX XXXX Balance Owed : {$670.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX US DEPT ED XXXXXXXX XXXX : {$17000.00} ; XXXX XXXX Balance : {$2300.00} ; ( Original Creditor : XXXX ) XXXX Balance XXXX {$180.00} ; US DEPT ED XXXX XXXX XXXX {$9100.00} ; DPT EDXXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

I purchased two flight tickets with my XXXX XXXX XXXX from Barclays for $ XXXX, and the charge back process at Barclays is totally a failure. The tickets were from XXXX XXXX. 

The flights were terribly delayed for several hours and it was delayed for twice as long. Upon entering the cabin, the flight crews can't get roster right, and that caused over half hour delay in the jet cabin on ground. 

I started a chargeback, and Barclays refused to investigate first, with the sole reason as the flight was flown. I refused to accept the careless decision and I followed next steps for dispute. Now Barclays refuses to honor the chargeback with a ridiculous reason that I was on flight.
Product: Credit reporting or other personal consumer reports

I disputed the reporting of information on an account, and Experian, XXXX and XXXX responded claiming the information was verified with no supporting documentation or evidence provided. I requested the XXXX form, as well as the details to who with and how they verified the information and did not receive anything from them. They are in direct violation of the Fair Credit Reporting Act ( FCRA ) regarding the reporting of late payments on my account with XXXX XXXX  - XXXX. Specifically, the reported 30-day late payment for XX/XX/year> is inaccurate and must be removed immediately.
Product: Student loan

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and correct it from my personal credit file. Thank you. 

GRNTE XXXX XXXX XXXX Balance Owed : {$3600.00} ; GRNTE XXXX XXXX XXXX Balance Owed : {$6600.00} ; GRNTE XXXX XXXX XXXX Balance Owed : {$3800.00} ; GRNTE XXXX XXXX XXXX Balance Owed : {$5200.00} ;
Product: Credit reporting or other personal consumer reports

the information reporting on my credit is incorrect and inaccurate, they have not provided me with the validation i requested not once but TWICE ive asked for these accounts to be validated and verified. i have not received any paperwork or contracts signed by me.

they have Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports. 

please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  this information is hurting my life and preventing me from getting a auto loan. please help.
Product: Vehicle loan or lease

On XX/XX/XXXX I issued payment to " Chrysler Capital '' or " SantanderConsumerUSA '' in the amount of XXXX ( in one payment of XXXX on XX/XX/XXXX, and a separate payment of XXXX on XX/XX/XXXX ). The payoff amount was given to me by SantanderConsumerUSA '' and I included a letter stating " this payment is correct and satisfies the debt between '' my name and " Chrysler capital '' for the appropriate vehicle. 

Now, on XX/XX/XXXX, I have decided to sell the vehicle and found that SantanderConsumerUSA ( Chrysler Capital ) still holds a lien on my vehicle. They have told me that I owe principle payments from beyond 2 years ago, but there is nothing showing on my credit report that I've ever had an account with these folks. I haven't received any mail or contact from the lender since the payoff. Basically, I thought I had paid the debt off, and that I owned the car.

Today, I spoke to someone from Chrysler Capital who told me that I could pay {$130.00} and settle the debt, but that I really owe ~ {$700.00}. So now I'm being forced into a position to pay for a debt, subject to an agreement for total payment ( the letter that they insisted I enclose with my payment, fully satisfying the debt ), that I've already paid. The lender doesn't seem to have accurate records, nor are they reporting credit information in a timely manner. Further, the company seems " scammy '' in that when you try to pay off your note or get information about what money the company is entitled to, they simply transfer your on the phone until you give up trying to find a solution. 

I haven't been notified that I have an account open with Chrysler Capital, not even a " hey, we won't sell your info '' notice once annually. I see this company has other complaints, and I wonder if I fall within this group of poorly tracked accounts.
Product: Money transfer, virtual currency, or money service

Since XX/XX/2018 I've deposited over {$2800.00} into my coinbase.com wallet. My account was locked and I was told to upload my drivers license and utility bill to confirm my identity, which I did several times. It's been almost 2 months and now the customer service phone number dont work and they don't respond to my emails. After reading 100s of  complaints against coinbase.com in the last week I feel like they are a scam ... please advice
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit inquiry alert from Experian on  XXXX / XXXX /  XXXX  . The following credit inquiry is fraudulent and unauthorized and do n't belong to me :  XXXX ,  XXXX .  XXXX   XXXX ,  XXXX , OH  XXXX .