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

On XX/XX/2023, I mailed the attached letter to TransUnion to have incorrect addresses removed from my credit profile. I included a utility bill and copy of my driver 's license. On XX/XX/2023, I received a letter from TransUnion stating I did not send the letter and the letter was sent on my behalf. This is not true as I sent the letter and even signed the letter, which you can see a copy attached.
Product: Debt collection

Collection showed up in my credit report. I have no knowledge of this account. I send the collection agency certified letters requesting validation of the debt on XX/XX/21, XX/XX/21. The collection agency has not answered any of my requests. I requested validation from XXXX. XXXX stated that the debt was validated by the collection agency. I have not received any validation from the collection agency or XXXX. The collection agency violated the 30 day rule to provide proof of ownership.
Product: Credit card

This morning at XXXX, I received a notification from XXXX XXXX that an inquiry was made in an attempt to open a credit card account in my name. I called XXXX ( XXXX ) XXXX and the fraud department verified that an attempt was made. XXXX provided me with the following information : New credit card or loan. Lender : ComenityCapital/SephoraV. Inquiry date : XX/XX/2023. Verification details : Business phone : ( XXXX ) XXXX Business name : Alliance Data. I disputed the inquiry with XXXX, and they recommended that I file a police report and a fraud claim with FTC. I called Alliance as well and they said the company was unable to provide me with details regarding the credit card application ; however, they did inform me that the application was rejected. Alliance fraud department recommended that I file a police report and send the report number to their department. Once received, I would be able to find out more details about the credit card application. I filed a police report with the XXXX, AZ Police department and waiting to hear back from regarding a complaint number.
Product: Credit card or prepaid card

Charged for returned shipping, when I never received the product. So why would I return it.
Product: Credit reporting or other personal consumer reports

I have no knowledge of these accounts or inquiries on my credit report and someone was using my personal information without my consent. Please delete these accounts on my credit report per 605B 15 USC 1681c-2. the accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$670.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries are XXXX XXXX XXXX  XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX  XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXXXXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX, XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>, XXXX  XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX, XXXX  XXXX XX/XX/year>, XXXX  XXXX  XXXX XX/XX/year>, XXXX  XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX  XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year> XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX CA XXXX XXXX Tel : XXXX Name of Contact Person : binance.us XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, California XXXX It's been six months since I transferred my XXXX XLM cryptocurrency to my binance.us 's wallet, but I didn't receive that. So I emailed the company, and the answer was : Your request ( XXXX ) has been updated. We wanted to let you know that we are still working on your ticket and apologize for the wait. 

After four months, I asked them again, and the answer was : Your support ticket is # XXXX. We have notified our tech team about this deposit. Please note that this is a manual process, and wait times may vary depending on volume. You should see your deposit credited to your Binance.US account as soon as possible. 

It is XXXX  month waiting to receive my xlm cryptocurrency in my account, and The company looks like playing a game with me. 

I look forward to your reply; please get in touch with me by email : XXXX Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Currently I am being represented by a team of lawyers who are working on litigation against your company. I have to personally speak to you directly before you are served in federal court. FCRA 605 B is a federal law that is supposed to be enforced by the credit bureau and banks when you have the necessary documents to get the information suppressed by the three major credit bureaus. But when you fail to provide your fraud representatives with proper information about the law. You have set your standards before the law and have failed to comply in any manner whatsoever with any intent to follow the laws that you are governed by.
Product: Payday loan, title loan, or personal loan

I was contacted by a collection agency called XXXX XXXX XXXX XXXX and they said I owed cash central {$610.00}. Cash central would not allow a payment plan or work with making payments in XX/XX/2021.
Product: Student loan

Arete financial freedom made everything seem like butterflies and rainbows ... Until 8 months+ later I received an email saying my payment was declined even though Ive had no change in card information. Called and emailed endlessly with no such hope of getting a reply.

Contacted XXXX  and they read back some of my information which was completely incorrect along with my FSA email being changed.
Product: Credit reporting or other personal consumer reports

Began mailing in certified USPS letters to XXXX, Experian and XXXX requesting the 30 day investigation on the following dates : XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> I have sent six dispute requests in to each of these companies with no follow-up. In fact, they aren't providing me with a human experience or investigation, they keep sending me a postcard even though I sent them my ID and a utility bill which is what is asked in order to open up a dispute. When I call in, I can never get a human on the phone to discuss my disputes. I am filing a grievance over the fact that these companies are mishandling my consumer report and violating my rights to the Fair Credit Act.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App XXXX Block , Inc . ) due to inadequate customer service and unfair practices. Which violates the customer Financial protection Act ( CFPA. ) specifically Cash, App failed me to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, there dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under electronic funds Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX has been inaccurately reporting on my account, XXXX and XXXX my credit report. I have tried to fight this several times and it hasnt been removed or successfully resolved. There are accounts that are reporting as open when the collection or accounts have been labeled as charged off. I need this removed immediately, per 15 usc 1681 it has been breached and isnt fairly reporting.
Product: Credit reporting or other personal consumer reports

I'm concerned about an unfamiliar inquiry appearing on my credit report. I didnt authorize or give permission for this company to access my information nor have applied to them, and Im trying to understand how and why it happened. This situation is causing me significant stress and XXXX.
Product: Credit reporting or other personal consumer reports

I did not authorize these credit inquires. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

On or about XX/XX/XXXX, we applied for a loan with Wachovia ( now Wells Fargo ) for a second mortgage. We entered into a contract on XX/XX/XXXX for a line of credit, in the sum of up to {$100000.00}. The contract consisted of a closing on the same date and we were advised that flood insurance was not required. We are informed and believed that the bank had an erroneous Flood Determination but in fact our house was in a Special Flood Zone Area. In addition, the mortgage claims a lien on XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX THE CITY OF XXXX, XXXX COUNTY, NORTH CAROLINA RECORDED IN XXXX XXXX XXXX, PAGE 17 when in fact our lot is XXXX, XXXX XXXX, XXXX XXXX XXXX, in XXXX XXXX XXXX, Page 17 and that lot XXXX is clearly not in a Special Flood Zone Area. This error clearly made the bank fail to comply with the National Flood Insurance Reform Act of 1994. 
In addition, and coincidentally, at approximately the same time we received notice from XXXX XXXX XXXX that our lot was no longer in a Flood Zone and that we did not need Flood Insurance. We  believe that the error regarding the lot number and because of communication between the first and second mortgage holders regarding the erroneous lot and flood insurance requirement, {$170000.00} worth of Flood Insurance expired. 
On XX/XX/XXXX, Hurricane Florence flooded our home up to the roof. The home remained under water for about a week due to the waters receding slowly and according to the DCMS Loss Verification Report by the Small Business Administration, the  home is irreparable based on depth and duration of flooding. Attached is all the supporting documentation.
Product: Credit reporting or other personal consumer reports

TRANSUNION company has inquiry I did not authorize or even aware of and is asking for them to be removed : XXXX : XXXX requested on XX/XX/XXXX XXXX XXXX XXXX  requested on XX/XX/XXXX XXXX XXXX requested on XX/XX/XXXX XXXX XXXX XXXX requested on XXXX XXXX XXXX XXXX XXXX requested on XXXX XXXX transunion consumer requested on XXXX XXXX, XX/XX/XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX requested on XX/XX/XXXX XXXX XXXX XXXX requested XXXX XXXX XXXX XXXX requested on XX/XX/XXXX XXXX XXXX XXXX requested on XX/XX/XXXXXXXX XXXX requested on XXXX XXXXXXXX XXXX XXXX  requested on XX/XX/XXXX XXXX XXXX requested on XXXX XXXX Trans Union interactive requested on XXXX XXXX XXXX requested XXXX XXXX XXXX XXXX XXXX requested on XX/XX/XXXX XXXX XXXX requested on XXXX XXXX XXXX and XXXX Upgrade requested on XXXX XXXX XXXX XXXX XXXX XXXX  requested on XXXX XXXX company has inquiry Im not aware of or authorize and is asking for them to be removed.

US DEPARTMENT OF EDU Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX company has inquiry I am asking to be removed I didnt authorize or aware of XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/year> I signed a lease for my vehicle with XXXX XXXX XXXX XXXX XXXX. My contract I left the dealership with states my payment are due on the XXXX of each month. However the dealership put in the system that my payment are due at XXXX. I've been getting harassment phone calls day after day and they have been adding late fees to my account and They recently sent something to the credit bureau from Infiniti finance about my payments not being made. I've told them on multiple occasions what my contract states XXXX of each month and I even faxed over the documents to the provide number that I received from Infiniti finance. I will send an email company to the of the contract today that was provided to me.
Product: Checking or savings account

On XXXX. Bank of America closed my checking account. I called and went to the bank only to be informed that BoA have the right to close my account whenever they decide. I asked for the reason why and they told me that it is within their rights not to give me any reason. Further more I was informed that I have been barred from ever holding an account with BOA. 

I believe their decision was unfair to me because I have not been inform what I did wrong, I was also not notified, alerted, warned or queried of any inappropriate action on my part nor given any opportunity to respond or otherwise before and after the decision was taken BoA then gave me XXXX cashier 's checks of XXXX and XXXX for the funds I had in my account which I subsequently deposited in my XXXXXXXX XXXX account on XXXX. XXXX XXXX rejected the check of XXXX and stated it was altered and further closed my account when I called to ask about what was wrong with the check on XXXX. 

XXXXXXXX XXXX are also refusing to give me any reason for their decision and also telling me they will send me a check for my balance after XXXXdays. I am just migrating from the XXXX to XXXX and do not have any other source of income apart from my savings which these XXXX banks are essentially denying me access to. They have both even cancelled payments I made for my credit from XXXX bank ( furniture I bought from XXXX XXXX XXXX ), I do not have any other money to even pay my rent or buy food to eat.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I made a dispute on All 3 credit reports about a inaccurate item XXXX XXXX XXXX # XXXX this item is not reporting 100 % accurate information. I have asked for a copy of the original signed contract from the credit bureaus and they refused to send my copies for the original signed contract from the creditor which they wont provide, they just keep saying the account is verified well if that's so by law I am obligated to see the original proof of contract that the creditor supposed to have in they flies so that I know that this account is mines and was signed by me XXXX XXXX. they have failed to send me proof about the XXXX XXXX XXXX  account. this information is supposed to be given when I request for it. they need to delete this account is they don't have proof. send me proof of the signed account original contract so I know this belongs to me that I signed for, or delete it .. its a fraudulent account that they reporting
Product: Credit reporting or other personal consumer reports

I contacted Equifax several times about a credit freeze being removed. On XX/XX/XXXX I called in and got a confirmation number saying that the credit freeze was removed. When I tried reapplying for a credit through XXXX, theyre getting the notification that Equifax XXXX my credit is still frozen. I submitted a complaint with a XXXX XXXX XXXX and Equifax says that it was removed XX/XX/XXXX. If it was already removed on XX/XX/XXXX, why when I called in on XX/XX/XXXX did they tell me they would remove it that day? XXXX a little frustrated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled, frustrated and shocked that a company I have never done business with nor had a desire for any type of loan would have placed this information on my credit. 
I have repeatedly told them in year XXXX to XXXX ; I was in a XXXX, came out of a XXXX XXXXXXXX and XXXX ( I have medical records to prove it ) and never would have requested loans from anyone. 

It is obvious someone has set up a fraud account or this company has in error attached this information to my social security number. 

There is a note on all 3 credit bureaus that states credit freeze due to someone has been using my name and SSI in fraud!
Product: Checking or savings account

Capital One started experiencing issues with deposits Wednesday XX/XX/year>, they did not notify the customers until close to the end of day XX/XX/year> via a vague email blaming a 3rd party vendor who they chose to go into business with. They have no estimated eta as to when it will be fixed but its been going on 3 days for most members with no help or deposit from Capital One. Ive been working really hard to pay my bills on time and this just completely ruined my efforts. They still have no eta and still just keep placing blame. However they still allow vendors to pull payments from our accounts even though they cant handle making sure our money is there to make those payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( GM Financial XXXX ), has violated several of my rights. 
15 U.S.C 1881 section 602 A. Glearty states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Il also states a consumer reporting agency can not fumish an account without my written Instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Mortgage

My name is XXXX XXXX I have Mr cooper mortgage company. I have 5 year ARM since XXXX tmy mortgage never went down. My loan # XXXX. The company phone number XXXX whenever I call them for an issue they transfer me to refinance people that will cost me XXXX closing cost. They just informed me by email that your new statement 2 days ago and I have been surprised that they increase my mortgage rate for the next period which start from XX/XX/XXXX. I know from the news that the Fed reserve reduced the rate 3 times last year and I was expecting that my mortgage to go down. Instead they increased as usual. I am wandering if there any rules this company should follow or you can protect us from their greediness please help me. I just thought that I have to do something different and do a complaint. I hope you will take it seriously thank you
Product: Mortgage

This is probably my XXXX complaint on this same issue. We are on our XXXX bank because our loan continues to get sold. the complaint is with Selene Financial. We were working on a loan modification which would involve taking off the mortgage an ex wife and adding XXXX names onto the mortgage. It also involved reducing our mortgage to fair market value. After months and months of paperwork and waiting we finally made a deal and got the ex wife removed, and the mortgage reduced to {$270000.00}. This was the end of XXXX 2016. The stipulation was we have to make XXXX consecutive payments of {$2000.00} and after the XXXX payment the new loan would take effect. We made our payments as instructed and the day before the XXXX payment was due we were told our loan would be sold. When asking if they can get the modification done first I was told ( see attached ) the the new loan company would honor the agreement. That was the last I was able to communicate with our negotiator at Selene Financial. I had e mailed him and tried to call him numerous times after his last e mail because I wanted to make sure they sent over all the paperwork as there is no way we should have to do it all over again. We held up our end of the bargain now Selene needed to follow through with theirs. I found it interesting that they made the deal with us the same day the loan was sold even though we were not notified it sold until XXXX XXXX ... .This actually been a two year ordeal..the bank before Selene was horrifying as well and I had made a complaint to you about them. They conveniently sold our loan to Selene before ever doing a loan mod with us. I am just beside myself and fed up. All we want is a fair market loan, and a company to follow through with their promises. We called the new bank, XXXX and they said they do n't have everything and they still have the old mortgage and the original names. Meaning nothing of the new deal that Selene promised us is in their records. What I want is our loan Mod that Selene agreed to be in place ASAP with no more paperwork! It should have just transferred over since we did what we were supposed to do.
Product: Credit card or prepaid card

On XX/XX/2019 I sent a Certified check to paypal credit to satisfy the balance on the account, Paypal received and never applied it on the account they keep posting the account as past due. Around XX/XX/XXXX or XXXX I received a letter dated XX/XX/2019 from Paypal Acknowledging reception of the check and they kept as it was a gift. All I want is for them to apply the check or I will fill a Lien against them as I stated it on the UCC-3 that was sent with the check. See Attachements
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received my credit report and noticed unauthorized accounts being reported to my consumer report. In the past years, my identity has been stolen and used for someone else 's benefit. Recently my information was leaked according to the credit report agency, Equifax. I have a supporting document, a police report affidavit attached to this complaint. I have a right to privacy and my rights are being violated by these unauthorized accounts. 


Delete this accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

After looking over my consumer report I've noticed that Experian is reporting multiple collections accounts to my consumer report that doesn't belong to. These accounts were fraudulently placed on my report in which I never gave any of the creditors consent to purchase my personal information nor did I give them permission to report these accounts to and credit reporting agency. That is violation of my right to privacy pursuant 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. How can I owe a debt if there was never an agreement for me to pay a balance? I have no knowledge of these companies asking me to pay a debt where there was no mutual agreement. Pursuant 15 U.S. Code 1692c - Communication in connection with debt collection, Section ( c ) Ceasing Communication, I ask that the creditors cease communication with me which also includes removing these accounts from my consumer report which by definition is a form of communication.