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

Pursuant to 15 USC 1681 ( a ) ( 4 ) This is an alledged debt. This action was unfair in reporting this erroneous information without first consulting with me the consumer. There is no proof that this transaction even took place. The decision were made impartial because the XXXX XXXX allowed information to be reported while only hearing one side of the story. Also this process infringed upon my right to privacy by having a conversation about me with a third party and reporting this information as results of that third party.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federal protector consumer rights to privacy and confidentiality under 15 U.S.C. 1681, Section 604A Section 2. I have not provided my written consent to either consumer, nor have I permitted XXXX XXXX XXXX XXXX permission to place the below items on their credit reporting platforms. The information is inconsistently reported throughout my credit report which I have highlighted the inaacuracies and want them DELETED off my credit report. Because of the inaccurate information I have been denied credit to purchase a home for me and my family, a car, new credit cards, and any such credit I choose. 

List of Negative Accounts/ Inquiries listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As you can see 15 U.S.C 1681 Section 602A states I have a right to privacy. 
15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 

Three Bureau Credit Report Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ***SECURITY FREEZE : THE FOLLOWING CREDIT BUREAUS REPORT THAT YOU HAVE PLACED A SECURITY FREEZE OR LOCK ON THIS FILE. HOWEVER, THE FILE HAS BEEN DELIVERED TO YOU UNDER THE APPLICABLE EXEMPTION PROVISIONS ( PROVIDING A CONSUMER WITH A COPY OF HIS OR HER CREDIT REPORT UPON THE CONSUMER 'S REQUEST ) : XXXX Customer Statement XXXX : THE INFORMATION WITHIN MY CREDIT REPORT HAS NOT BEEN VERIFIED OR HAS NOT BEEN PERMITTED OR VERIFIED B Y ME, NOR HAVE A SIGNATURE TO BE PLACED ON YOUR CREDIT PLATFORM. PLEASE REMOVE FROM MY CREDIT REPORT WITHIN 30 CALENDAR DAYS. DO NOT CONFUSE ME WITH RELATIVES WITH SIMILAR NAMES OR ADDRESSES. VERIFY ALL IDENTIFYING INFORMATION. DO NOT CONFUSE MY CREDIT FILE WITH PEOPLE OF SIMILAR NAME, ADDRESS OR S SN. VERIFY ALL IDENTIFYING INFORMATION. 
XXXX XXXX XXXX XXXX XXXX I DID NOT AUTHORIZE THIS INQUIRY
Product: Credit reporting, credit repair services, or other personal consumer reports

A BANKRUPTCY WAS FILED IN MY NAME AND I DID NOT DO IT
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account has been reinsurted to my TransUnion credit report. 

" XXXX XXXX XXXX '' This account has been reinsurted without my knowledge without notice as required by federal law section 1681 of the FCRA rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Equifax and XXXX last year to remove a paid tax lien along with supporting documents, they did not remove the lien. On XX/XX/2017 I called Equifax and XXXX due to the new law in effect XX/XX/17 re : tax liens, i was advised by the reps at each CB that the tax lien would be deleted from the file by the end of XX/XX/XXXX because under the new law any public record data must include name, addr, dob, and ssn in order to be reported and mine is missing the ssn. The CB has not updated my file as of today XX/XX/2017.
Product: Checking or savings account

Hello team CFPB. I hope you are doing great! 
I am a XXXX XXXX XXXX with my money of my work and saving of my life in an account of BofA since XXXX  years ago without any problem.With an allusion to buy a house with my saving, I tried to make a transfer few days ago. First a make a transfer of {$5000.00} in order to pay the reservation of the house. XXXX days before of the sign of the contract of sale I make the final payment of the house with the remaining of the amount {$48000.00}. The bank no only doesn't allow me the final transfer but blocked my account access. I had been calling so many times to the BofA customer support and the only answers was in each opportunity : you must travel to the XXXX and go to a local BofA office with XXXX identifications.I have no visa at the moment and there is a very difficult situation in XXXX with that. Not only that, I traveled to XXXX to try to do anything to resolve this situation with any partner of the bank, but it was impossible. I suggested to travel to XXXX Bank of America office but was no a solution either. I started to make withdrawals with my card and the bank blocked in the same way, even that I took the action to call before those transactions. After so many calls, I tried to check any chance to travel with an emergency visa in the XXXX XXXX in XXXX. In order to that, they request documents like : XXXX. A letter from the bank explaining that my account is currently blocked and requires my physical presence to resolve the issue. 
XXXX. Proof of the funds currently held in the blocked account. 
It was impossible after make so many calls that BofA provider this information. They said that they can not send me that in any way. 
So, I am not saying that I don't want to travel, It is that right now I can not travel. I need to pay my house, I have a limited timeframe to finalize this transaction. I need my money for my family and I can not do anything. For humanity, can you help me with my problem? I am profoundly emotional affected.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$630.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$8600.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$2000.00} XXXX  - XXXX - XX/XX/XXXX - {$290.00} XXXX/XXXX - XXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXX  XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Zelle 's lack of consumer protections has led to mistaken payments and money lost
Product: Checking or savings account

I originally made a purchase at XXXX XXXX for XXXX amount. And i went in at XXXXcst stood in line until everyone was checked out. XXXX XXXX stated there was a problem with the payment ( at the time it had came out of my bank account & i still had an extra over $ XXXX ). I called my bank at XXXX cst to verify as to why my payment was popping up with a problem. They asked me to verify the purchase amount just to make sure we was talking about the same transactions. So i went to the app and immediately noticed {$4400.00} on pay anyone to XXXX  XXXX XXXX XXXX csg and another payment sent to XXXX  XXXX for {$490.00} done XXXX XXXX cst I told them i didnt do these transactions. They told me i had to because theres no way they can do it. but i was in line at XXXX XXXX not even on my phone paying attention to my surroundings.
Product: Mortgage

My JP Morgan Chase was modified on XXXX XXXX, 2013. While I signed the documents, I realize that I was desperate in an effort to avoid foreclosure. I now believe that the fees added to my original loan was excessive. My original mortgage balance increased from {$180000.00} to {$220000.00}, approximately {$36000.00}. The condo is even more underwater & over market value now, by at minimum {$80000.00}. Afterwards, JP Morgan Chase sold the mortgage to XXXX , XXXX ( loan # XXXX ). Please investigate this matter to have them explain the excessive fees. Thank You
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found late payments with no dates. Two 30 days late and one 60 day late. I am not sure how this happened. I believe I made my payments when I received my statement. My only thought is that my statement did not get to me. This account has been paid and closed since XX/XX/18.
Product: Credit reporting or other personal consumer reports

I am writing you this notice to update the information in my consumer report. See letter for my accurate personal information
Product: Checking or savings account

All of the money was taken from my account based on a legal order that was made in error, submitted XX/XX/XXXX. I called Truist multiple times on XX/XX/XXXX and XXXX and the lawyers sent a dismissal multiple times to Truist confirming that the money should never be taken. I went in person to Truist on XXXX as well and confirmed that the dismissal was sent and would be processed. All of the my money was seized from my account in error and Truist has been negligent in resolving this issue.
Product: Checking or savings account

Hi, I am being charged for subscriptions that I did not authorize to purchase. I did a couple free trials, and accidentally missed the day to cancel them before they got charged. The moment it was charged, I cancelled the subscription and requested a refund from XXXX. XXXX has normally refunded any and all subscriptions that accidentally were purchased and not cancelled on the same day. I went through multiple disputes with XXXX where a representative agreed with me I should be refunded, helped me put in a dispute and it was denied. They then suggested I contact my bank to dispute the charges on their end, they confirmed that it would not be a problem and I would get the money back. I am now seeing XXXX XXXX denied the disputes, because they contacted XXXX and they pushed back again. This has never happened before and I can not be charged hundreds of dollars for subscriptions I do not used, and did not intend to purchase or authorize to purchase. This is causing extreme, extreme stress and financial burden on my end. An XXXX representative and XXXX XXXX representative said I should reach out here because they agreed I should be getting refunded. If you could please understand my situation and help me get this figured out I would greatly appreciate it. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of my accounts with the student loan servicer, XXXX, is incorrectly reported on my credit reports. Between XX/XX/XXXX to XX/XX/XXXX, these accounts are listed as 90 days or 120 days late on my credit report ; meanwhile they should have been in deferment. Ive filed a claim with the servicer in XXXX and XXXX. On XX/XX/XXXX and XX/XX/XXXX, they determined that the information will remain the same, even though it is inaccurate. They also failed to provide evidence that proves or substantiates the inaccuracies, or any copies of the documents they used in their investigation. For the third attempt, I have sent them a notarized letter on XX/XX/XXXX listing all accounts that were affected, with a copy of my credit reports from the three bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting a Bankruptcy on my credit report that is not mine and they keep verifying it when its 2 different social security numbers and reporting my XXXX account closed when it is not
Product: Debt collection

I have disputed with Resurgent about the inaccurate entry that is reflecting on my credit report ( see attached documentation ). In my initial review and finding of this reflected entry, I submitted a dispute to Resurgent. on XX/XX/2018 and XX/XX/2018 via certified mail. Within my dispute ( see attached ), I specifically requested that they provide an agreement with signature of alleged debtor wherin he/she agreed to pay the creditor, date this alleged debt became payable, original delinquency date, verification that the debt was assigned or sold to collector as well as a complete accounting of alleged debt. Resurgent did not oblige. Resurgent letter, ( see attached ), dated XX/XX/2018 and XX/XX/2018 does not provide any substantial evidence to support the veracity in their reporting.Since Resurgent is unable to provide supporting documentation for this inaccurate, unverifiable entry, it must be deleted from my file immediately.
Product: Credit reporting or other personal consumer reports

Now XXXX XXXX is not reporting my Citibank account. They tell me that it was deleted as a result of the complaint against XXXX
Product: Credit reporting or other personal consumer reports

So I Sent a Letter Off On XX/XX/XXXX To Remove Personal Information That Is inaccurate On My Credit Report. According To The Fair Credit Reporting Act 15 USC 1681. I Have The Right To Privacy. Also According to 15 USC 6802. No Financial Institution Is Not Supposed To Share my information to third party people. These are clear violations of my Federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXXXXXX reporting 9 missed payments. Months are inaccurate. Company ignores my evidence. Monthly payment is {$260.00} a month. Payments were not 30 days late. If payment is due the XXXX and I pay the XXXX that should not be reported.
Product: Money transfer, virtual currency, or money service

This is a court-authorized Notice of a proposed settlement in a class action lawsuit, XXXXXXXX XXXX XXXX XXXX Block, Inc. and Cash App XXXX XXXX XXXX, Case No. XXXX, currently pending in the XXXX XXXX for the XXXX XXXX of XXXX XXXX The proposed settlement would resolve a lawsuit that alleges that Block , Inc. ( Block ) and Cash App XXXX XXXXXXXX ( Cash App Investing ) were negligent, made misrepresentations, and breached other obligations to their users in connection with ( 1 ) a data security incident that Cash App Investing disclosed in XX/XX/XXXX, ( 2 ) a data security incident that XXXX disclosed in XX/XX/XXXX, and ( 3 ) alleged unauthorized, and fraudulent withdrawals and transfers of funds to or from, and complaint and error resolution processes associated with, Cash App accounts and linked accounts. Block and Cash App XXXX  contest these claims and deny that they did anything wrong. This Notice explains the nature of the class action lawsuit, the terms of the settlement, and your legal rights and obligations
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees that I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal to similar practices, where transactions with insufficient balances despite initially available funds. I request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

These inquires were unauthorized and I have been a victim of identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

Received a call from a XXXX  collector whom verified my XXXX  address, told me XXXX  is not a closed border state when it is. Continued collection efforts. XXXX falsely verified they can proceed collection efforts in a closed border state of which they don't carry a license to collect. Mailed debt validation to my XXXX address.
Product: Credit card or prepaid card

In XXXX, XXXX, in response to its then-promotion, I applied for a Capital One Venture credit card. Capital One promised XXXX points if I charged {$3000.00} to the card within 3 months, and a further XXXX points if I charged {$20000.00} to the card within one year from date of issue. Capital One issued me a card and has advised me that the start date was XX/XX/XXXX. It did give me the first XXXX points, but although I passed the {$20000.00} spend figure during the billing cycle for XXXX XXXX XXXX XXXXXXXX, Capital One has refused to give me the second XXXX point installment. Their agent, a XXXX XXXX, explained to me on the telephone that in adding up the spend, only the first eleven billing cycles are considered, and that I didnt reach the {$20000.00} spend level until the 12th cycle ( XXXX XXXX XXXX XXXXXXXX, still within the one year ). Their promotion, however, had spoken of within one year, and I did satisfy that test. Capitol One has decline to reconsider. 

Their file number is XXXX
Product: Mortgage

We locked up the mortgage rate for a mortgage application in XXXX XXXX. The locked-in rate was valid for 45 days. XXXX requests many documents separately over numerous times. Our turn-around time for all the requested documents was less than XXXX hours. Many of the requested documents were redundant. eg. request a copy of passport and work visa. 

The mortgage application process took so long that our 45 days lock-in period has expired on XXXX XXXX. Due to the upward trend of the mortgage, we end up paying extra penalty {$1500.00} to buy points in order to get the same mortgage rate. When we asked XXXX why the application process took that long. XXXX blamed the long delay on getting ready for the title report. Then, we asked for the name of the title company, that we deal with our application, two times. XXXX did not provide us with the name of the company. Therefore, we can not verify the long process was caused by the title company. From our previous 20 mortgage applications experience with mortgage application, the earliest title report which was ready within the same day ; the longest title report was ready within the same week. There are many title company out there. When one title company fail to provide the title report within a week, mortgage broker should choose another tittle company. 

We were forced to pay a late mortgage penalty for our previous mortgage company. We were promised our mortgage application would be funded XX/XX/XXXX. Therefore, we thought we did not need to pay our XX/XX/XXXX mortgage payment, in our previous mortgage. We received phone calls from collection agency threatening us our house would be foreclosure within weeks if we did n't pay our XX/XX/XXXX mortgage. Debt collectors also threatened to report our late payment to all three credit bureau.
Product: Debt collection

XXXX XXXX XXXX for a equipment that was returned. Southwest credit systems previously tried to collect. This debt was disputed and Diacharged. I received no follow up from southwest credit system after this late XX/XX/XXXX. Received a collection call from southwest credit solution on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Experian BANK XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX Experian BANK XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian BANK OF XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Experian
Product: Credit card or prepaid card

I was sent an offer from Chase CC for balance transfer. Contacted them on XXXX/XXXX/XXXX to initiate a balance transfer. I was told that I was qualified and the transfer would go through in a few days.It never went through and I was not notified. XXXX/XXXX/XXXX I called to question why it had not gone through and was told it got denied by their fraud department because they could not get a hod of me- although they never called. my phone records do not show that they called. They apologized and stated it would go through and to wait for a phone call form the fraud department. That call never came and it failed to go through again. Called on XXXX and spoke to several supervisors ( I have their names ) and one from their fraud department who told me that they put it through the fraud dept and that it would definitely be processed again. they apologized and said it would definitely go through. I have their names and am sure the phone call was recorded. By this point, i should have gone with another company but they assured me it would not be a problem. I called the next week and spoke with their customer service department who told me that it did go through and that they were waiting confirmation for the other recipients. I was told not to worry and it was definitely going through. Spoke with them again XXXX/XXXX/XXXX and was just told that it did not go through again blocked by their fraud department. My complaint is two fold : no communication when it was declined and promised on the third attempt that was their mistake and the it was now all set. I feel at this point that their negligence has cost me money and time and a lot of frustration. I would have pursued other means to address my financial dilemma but was told that it was taken care of. To me this constitutes false claims and misleading the public.
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor reported my payments late in XXXX and XXXX. The creditor was having system issues which did not allow them to report any payment history to the credit bureau since XX/XX/2022. I also would have issues paying my account online that I had to call in and pay my bill with a representative. The representative waived XXXX XXXX  of late fee due to their system issues and I paid my balance down to XXXX XXXX I don't feel I should be penalized for their system errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to authorize nor benefit of of the student account. As a FEDERALLY PROTECTED consumer, a Natural person and a private individual, I demanded them to remove them from my consumer credit report IMMEDIATELY because their reporting is a violation of my rights pursuant to Title 15 Chapter 41. Pursuant to 1681a, I have the RIGHT to DEMAND that such information NOT be communicated/reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and am forwarding this correspondence as an urgent request for you to delete the following information in my credit file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted in order to correct and update my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I Authorize all authorities to check my credit report to remove all Fraudulent Accounts And Inquiries. I am a victim of identity theft so I ask that you complete this with urgency. I am a victim of identity theft!! Please delete these items as soon as possible! PLEASE HELP ME THIS IS AN ONGOING ISSUE AND YOU GUYS ARE MY LAST LINE OF DEFENSE. I am a victim of identity theft!! Please delete these items as soon as possible FROM ALL CREDIT BUREAUS!
Product: Credit reporting, credit repair services, or other personal consumer reports

FICO keeps reporting seriously delinquency through my credit union FICO score app when no credit bureau reports this and shows me current and without delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE CREDIT COMPANYS HAVE YET TO REMOVE THESE ACCOUNTS THAT DOES NOT BELONG TO ME AFTER ASKING FOUR TIMES TO REMOVE THEM MY NEXT STEP IS A COURT ROOM