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

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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: Mortgage

We have been trying to get the remaining funds from our insurance claim for 2 months now. The final inspection was handled on XX/XX/XXXX, but we had two additional checks sent to loancare that were posted to our account on XX/XX/XXXX. I submitted a XXXX  complaint on XX/XX/XXXX. On XX/XX/XXXX we received two calls. 1st call indicated they were escalating the request for a 2nd inspection and the 2nd call indicated they would be issuing a payment in 5 business days. To date, neither has happened. No inspection and they have not released the remaining funds from our insurance claim.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Money transfer, virtual currency, or money service

Venmo stated I violated their terms and agreement. I asked what I have violated, they did not have an answer. They permanently deactivated my account with { {$1000.00} } still pending to be deposited into my account. Now they say they are keeping it for 180 days and will no longer answer my questions.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The List of accounts below has has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 furish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Product: Debt collection

A person from Security finance from XXXX Georgia went to.my former landlord asking where I live then to my present landlord. She then came to my house banging on doors and Windows yelling
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  date XX/XX/21 Sold to XXXXXXXX XXXX XXXX  account XXXX balance is {$520.00}. 

In accordance with the Fair Credit Reporting act XXXX Account # 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.
Product: Checking or savings account

I corresponded with Wells Fargo about a check cashed at Wells Fargo XXXX branch # XXXX around the date of XX/XX/2021. I indicated the check in question wasnt properly endorsed and cashed. They advised me that the check issuer is responsible for the funds and approval to provide funds for this check. I have spoken to XXXX XXXX who have advised me in writing that Wells Fargo is responsible for depositing an improperly endorsed check. The uniform commercial code governs the way that endorsements should be excepted. Wells Fargo provided an argument about a comma in the check endorsement making the check cashing valid. The check should have been endorsed with a or in between the recipients names for a single endorsement to be accepted as indicated by the Uniform Commercial code. 
The uniform commercial code clearly states that the check must be endorsed with or for the check to be deposited by only one party. This check was not written in this manner and was only cashed by one party, and I never endorsed the check. 
Im asking for a resolution on to this matter immediately. Clearly this check should have not been cashed or deposited as it was not properly endorsed. 
Wells Fargo didnt provide a response to a demand letter asking for a resolution or stating the reasons for not refunding the funds on this check as it was improperly endorsed and why the bank chooses not to follow the federal Uniform acts law which states your institution must comply with the uniform commercial code and standards for properly endorsed checks. 
This matter has cause significate issues in my life including large amounts of stress. I have had to take a considerable amount of time working on communicating with Wells Fargo on this issue. 
I ask your institution to recognize the mistake you have mad and immediately refund my portion of the check. 
The check in question was written XX/XX/2021. 
Check # XXXX By XXXX XXXX  # XXXX XXXX Paid to the Order of : XXXX XXXX, XXXX XXXX & XXXX XXXX Amount : {$3100.00}. 
Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am requesting the immediate blocking and removal of multiple fraudulent accounts from my XXXX credit report under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2.

The following accounts do not belong to me and were opened through identity theft : XXXX XXXXXXXX XXXX reported three times XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Credence ( XXXX XXXX XXXX XXXX ) I have provided both an FTC Identity Theft Report and a police report, yet XXXX has failed to comply with the FCRA by not blocking these accounts within XXXX business days as required. 



FCRA Violations : 1. Failure to Block Fraudulent Accounts ( 1681c-2 ) XXXX must block these accounts upon receiving my police report. 

2. Duplicate Reporting Each fraudulent account appears three times, further damaging my credit. 

3. Continued Reporting & Collection ( 1681s-2 ( a ) ( 6 ) ) These companies were notified of the identity theft but refuse to stop reporting.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. 
This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent inquiries in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these inquiries were eliminated and not verified by others bureaus I don't understand how they usually say that these inquiries are mine, Please help me immediately delete these inquiries. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

Repeated, incessant phone calls from Radius Global Solutions ( XXXX ) XXXX. Representative refused to explain on what debt they were trying to collect ( called today XXXX ) Calls from Radius GS on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX. ( All dates this year 2024 )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 
XXXX : XXXX XXXX : XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX RE : Unauthorized Inquiries Dear Equifax XXXX the purpose of my letter is to dispute the following eleven inquiries that are wrong and unauthorized. Please remove them from my Equifax credit report as soon as possible and confirm receipt of this letter. I have never given my permission to report this information on my report, no consent is fraud, which is in clear violation of 12 CFR 1006,34 ( d ) and 15 USC 1681-S29 ( 7 ) ( A ). 


XX/XX/XXXX
Product: Debt collection

New Information Pertaining to complaint # XXXX I am enclosing the information responding to the violations to my consumer report and the laws that have be broken I request that the CFPB review the forms and hold Ally financial liable for the laws broken as pursuant to FDCPA & FCRA. Forms are attached for review. I would like to know the method of verification once a decision is made as not to close my dispute without a agreed upon result.
Product: Mortgage

As the situation with Covid-19 deteriorated, I was let go of my job which restricted my ability to pay my mortgage, luckily the federal government step up to help all of those with FHA loans give options to help during these hard times, guidelines that Freedom Mortgage is not following such guidelines to help struggling customers.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Re : Account # XXXX, Vehicle : XXXX XXXX XXXX I have sent XXXX, XXXX, and BRIDGECREST ACCEPTANCE CORPORATION/BRIDGECREST CREDIT COMPANY a Notice of Pre-Arbitration. I have been attempting to rectify a matter with them on this alleged debt since approx XX/XX/XXXX. XXXX hides behind the false, misleading, and deceptive practices of its consumers, debtors, and holders in due course. BRIDGECREST ACCEPTANCE CORPORATION/BRIDGECREST CREDIT COMPANY attempts to collect on an alleged debt in which I have no contract dealings/assignment with. Both companies who are associated with one another have violated in many ways. They have violated State and Federal laws such as the Fair Debt Collection Practices Act, Consumer Credit Protection, Claims to an Instrument, Truth-In-Lending ( regulation Z ), Preservation of Consumers Claims and defenses, Billing error, and many more. Notice of Pre Arbitration has been delivered and signed for at three locations in which they both operate from. 

Tracking ID : Tracking number XXXX XX/XX/XXXX, XXXX XXXX XXXX AZ Tracking ID : Tracking number XXXX XX/XX/XXXX, XXXX XXXX, AZ Tracking ID : Tracking number XXXX XX/XX/XXXX, XXXX XXXX, AZ
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX and XXXX, XXXX, has violated my rights 15 USC 1681 Section 602 Ihave the right to privacy 15 USC 1681 Section 604 A Section C It also states a consumer reporting agency can not furnish a account without my written instruction 15 USC 1666B A creditor may not treat a payment on a credit card under an open end consumer plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I sent a letter to three bureaus to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX OH XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX Balance : {$970.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} ; XXXX  XXXX XXXX Balance : {$980.00} ; XXXX XXXX XXXX XXXX  Balance : {$980.00} ; XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX  Balance : {$700.00} ; XXXX XXXX XXXXXXXX XXXX  Balance : {$2000.00} ; XXXX XXXX XXXX XXXX  Balance : {$730.00} ; XXXX XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$430.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX  Balance {$2000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX  Balance : {$200.00} ; XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX, XXXX Inquiry : XXXX XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX Balance {$4000.00} XXXX XXXXXXXX Balance {$32000.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$39000.00} XXXX XXXX XXXX Balance {$18000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$2400.00}.
Product: Credit reporting

XXXX XXXX XXXX {$430.00}, This account was paid in full by insurance, yet the Collection Agency never validated this information, nor provided proof to me that they did. 
Per the FCRA Section 809, the Collection Agency never validated this debt to see that it was legitimate, nor did they provide proof that they Contacted XXXX XXXX XXXX XXXX to see if they paid the claim, like they did I would like this account removed from my Experian Credit Report
Product: Debt collection

Upon pulling my most recent credit report It came to my attention SW Credit Systems had reported a debt for collection on my report. Knowing the debt is n't mine I disputed with the creditor to have it removed or verified but did not receive any competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.The letter sent was not only a formal dispute, but a request that they cease and desist any and all collection activities, including reporting of ; or verifying of the account on my credit reports. SW Credit Systems was and is non-compliant and in violation in these matters.
Product: Student loan

There is an open student loan reported on my credit report that I never took out. When I contacted the companies both XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) they said there is no loan connected to my name or my social security number but they can't go in to change this and that I needed to go to the credit bureau.
Product: Credit card or prepaid card

i bought something via hsn in beg XX/XX/2019. i have a receipt that i sent it back to them, sent via usps priority mail, w/ tracking number along with extra ins for delivery. once, you guys give me a ref #, ill ' forward you the receipt at which time tell hsn to contact usps and if they wan na claim not gettingit, have them have usps conduct an investigation and if theydidnt ' get it then usps is responsible for payment not me so stop harassing me!
Product: Payday loan, title loan, or personal loan

I applied with Prosper loans for a {$10000.00} loan on XX/XX/XXXX. The same day I received an email stating that I had been " approved '' and had a big button imploring me to accept my loan. Prosper continued to send me emails throughout the next few days including one on XX/XX/XXXX stating that my {$10000.00} loan " is still waiting. '' On XX/XX/XXXX I decided to complete what I thought would be the final steps to obtain the loan. I added my bank account information as requested by Prosper and signed paperwork allowing for a hard inquiry of my credit report. After completing, come to find out that my loan had actually not been " waiting '' for me as indicated by Prosper 's previous emails. The hard inquiry on my credit Prosper initiated only allowed me to be placed on their online " listings '' and that they still needed to find an institution or person that would actually fund my loan.
Product: Money transfer, virtual currency, or money service

Zelle unable to recover my money due to fraud into my checking account
Product: Checking or savings account

On XX/XX/2020 my money was deposited in the amount of {$110000.00} to Chime bank account next day bank put hold on my account & whatever documents bank requested I provided it to them. 
Today XX/XX/2020 they closed my account, refused to give me any reason for closing my account & refused to refund my money. I really appreciate if you look into this matter before I take legal action against Chime Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XX/XX/2023 To Whom It May Concern : I recently received a copy of my XXXX, XXXX, XXXX credit report, and I noticed some late payments, Chargeoff posted on my credit report : Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX