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

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. This item is UNKNOWN to ME. I dont get why youre claiming this is fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination.

Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My Money Network card by XXXX was stolen during the time i was moving from XXXX house to another, & over {$1000.00} in unauthorized transactions was made with my card. I contacted support and reported my card stolen and started a dispute on all transactions that were unauthorized & not made by me. Money Network denied my dispute, and i have tried contacting numerous times to file an appeal and they will not respond. I have never heard of these places let alone authorized purchases. Here are all unauthorized transactions dates, times, and place : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these transactions were made by or authorized by me. Any help in getting my money to me would be greatly appreciated. Im a XXXX XXXX and i work full time and im attending XXXXXXXX XXXX full time. Money network not cancelling this card when i reported it stolen and allowed a card i reported stolen to be used continously over & over is unacceptable and theyre not doing anything to take responsibility and return my funds. Please help me.
Product: Credit reporting or other personal consumer reports

These accounts were removed from my TransUnion credit report, but it was never removed. Please reach out to TransUnion in regards of removing this after the investigation results. I will attach them to this thread.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed that these unauthorized inquiries had been made : US BANK XXXX XX/XX/XXXX ) US BANK XXXX XXXX XXXX ) US BANK XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted the creditors, XXXX XXXX XXXX XXXX  US Bank and XXXX XXXX that placed the inquiries, and asked them to remove their credit inquiries from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your help and assistance. 

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

The name of the bank is suppose to be XXXX XXXX XXXX XXXX instead on my XXXX credit report it lists at manufactures and trades. There is no contact information for this creditor on my XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After currently reviewing my consumer report, its has come to my attention that the financial institution XXXX XXXX XXXX XXXX failed to conform with applicable statutes such as the Truth and Lending Act, Gramm Leach Billy Act, Consumer Protection Act, and the Federal Reserve Act upon the consummation of this consumer credit transaction. XXXX XXXX  has engaged in unfair and deceptive tactics. As a result of their inequitable conduct, I have made an uninformed decision extending credit to XXXX XXXX XXXX XXXX because my consideration came with no benefit. Furthermore, in accordance with the Federal Reserve Act, XXXX XXXX XXXX XXXX failed to disclose to me that my application was the secured collateral tendered as the payment for the full amount of the consumer credit transaction. XXXX XXXX XXXX XXXX also failed to disclose that collateral offered would be in check form such as draft, or bill of exchange for acceptance, and to have drawing rights as the payee to receive, and to exchange as presentment, for payment to the principal balance on the account for my benefit. As a result of the lack of disclosures. All previous payments have been unduly paid out to XXXX XXXX XXXX XXXX. I have sustained multiple damages due to the deceptive and negligent actions by XXXX XXXX XXXX XXXX. Their failure of not fully informing me and providing pertinent disclosures regarding the use of my credit and withholding how I can exercise my right to privacy to protect my personal information, has affected my credit worthiness, credit capacity, character, and general reputation. These improper actions have resulted in unfair credit billing, credit reporting, and abusive collection practices. 


This notice is an attempt to exercise good faith that the bureau of the CFPB will enforce the violations associated with this transaction and to protect me from the illegal practices by this financial institution. These are direct violations of the Truth and Lending Act, Consumer Protection Act, the Federal Reserve Act and the Gramm Leach Bliley Act.
Product: Credit reporting or other personal consumer reports

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




XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

On or about XX/XX/2018 I discovered through XXXX XXXX that a negative collection account by Midwest Recovery was placed on all three credit bureau files. I immediately wrote to them on that date requesting validation not verification of the debt. I never received any written information from them regarding the debt and my right to challenge such prior to my discovery at XXXX XXXX. Nothing within my credit files indicates that I have challenged their listing and the account is listed as " in dispute ''. Research regarding this firm indicates this is typical behavior on their part. I do not believe I ever had a loan with XXXX XXXX which is the firm they claim to represent and has been fined by the CFPB. Their previous pattern of behavior leads me to believe they will be unable to comply with my validation request or simply ignore.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Chase Auto Loan Account opened in XX/XX/XXXX. I have been current with the loan and even refinanced said loan to a lower APR. 
Between XX/XX/XXXX / XX/XX/XXXXI had an auto payment mailed on my behalf from XXXX XXXX XXXX. However, I was provided with the wrong mailing zip code and payment was returned. I subsequently called Chase Auto to confirm receipt of my payment and was given the correct mailing zip code. I had XXXX XXXX XXXX resend the payment over. 
Chase Auto Finance is reporting this payment as a late payment even though the initial payment was sent on time but returned due to a wrong mailing zip code I was provided with when I called to request for a mailing address to send in my payment. 
This solitary late payment has greatly impacted my FICO credit score ( dropping over 86 points ). I  am requesting Chase Auto Finance to correct this error as I have been a loyal customer for over 3 years and have many products ( Bank Account, Credit Card, Auto loan, etc. ) with them. 
I have never had a late payment on my previous loan prior to refinancing it and I have never had a late payment since this mailing zip code mix up. 
please rectify this error on my credit report. 
Please look at the XXXX XXXX XXXX Screenshot. It shows that I originally sent the payment on time but for the error in the mailing zip code. 
Thank you
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX Binance.US rolled out a new XXXX XXXX XXXX XXXX without any type of notice to its end users. This new policy is forcing its users to take a video scan of their face and submit it to Binance.US. and their third-party service providers and their affiliates. If you do not accept and or agree to this new policy you are looked out of your account with no way to withdraw your funds. Obviously this is very sensitive data, and I refuse to take part in this new policy. I also firmly believe in by giving up privacy for security you lose both, and I refuse to let this company take average of my personal data like this and refuse to let them hold my account XXXX until I comply. 

I have tried numerous times to reach out to their support and all I get are automated responses. ( Copy and Paste Replies ) I dont understand how this can be legal. How can a company change its policy without any type of notice and hold a users portfolio hostage without any means of exit. I love the idea of XXXX and what it stands for, and its exchanges like this that give it a bad name. 

Seeing how all of my attempts to get access to my money have fallen on deaf ears, I would like to file a formal complaint against Binance.US
Product: Credit reporting or other personal consumer reports

I do not recognize this address please remove. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I posted a housing ad on XXXX on XX/XX/XXXX. The same day, someone named " XXXX XXXX XXXX '' messaged me and told me that her friend was looking for a place and she gave me her email.. '' XXXX ''. I emailed her and she sent me a check via email, told me to print it out and deposit it. The check came from " XXXX XXXX XXXX XXXX '' for {$2700.00}, which was more than I needed. She said her company paid for her rent, and she was on a contract. She asked me to send the money back to the mover, who would bring her luggage and car. After I sent her this, the next day, she told me that her grandma died and that her mom was in critical condition, so she needed to borrow {$1500.00} which she would pay back through her company. Another check was emailed to me from " XXXX XXXX '' with the same company name, for {$1500.00}. Both checks initially went through and the funds were visible in my account. I sent her {$1500.00} back per her request. Then, she told me that she needed all the money back. That's when I realized the checks were fake. After a few days, the bank rejected the checks and charged me a fee, even though I had explained the situation to them immediately. I contacted Cashapp and XXXX. Cashapp was impossible to get a hold of, and XXXX opened a case. I sent her {$500.00} on XXXX, and {$2200.00} on Cashapp, in seprate payments ( {$500.00}, {$750.00}, and {$1000.00} ).  Please contact me for more information!
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX   XXXX  my credit report was pulled and In reviewing my report, I noticed the following error :   XXXX   XXXX   XXXX     #  XXXX  This item is incorrect because The account has been in Charged Off status since  XXXX / XXXX / XXXX  ; And should be reported as such.     Also since the account was charged off the 24+ 90 day lates which are reporting in the system is incorrect and should instead be 0 times 90 days.     On  XXXX   XXXX ,  XXXX  I called   XXXX   XXXX   XXXX     and spoke with  XXXX  she transferred me to the credit analyst dept.  XXXX   XXXX . He said the account was charged off on  XXXX / XXXX / XXXX  and that they had not been reporting any  90+  day lates to the credit bureaus. I requested a letter from   XXXX   XXXX   XXXX     stating this.     On  XXXX  I received a statement from   XXXX   XXXX   XXXX   and it was a actual account statement from  XXXX   XXXX . Showing {$0.00} Balance.     I called   XXXX   XXXX   XXXX     again today and spoke with  XXXX  who then transferred me to Charge off department  XXXX   XXXX  she she very mis informed and I ask to speak with a manager. She transferred me over to  XXXX   XXXX   XXXX . I went over my concerns that the account is showing a Charge off but still showing  90+  day lates. He said he would send a letter out to me. At this point I do n't have much confidence in   XXXX   XXXX   XXXX   or their support staff.     I am hoping you can help me resolve and address this issue.
Product: Checking or savings account

TD Bank has incorrectly charged overdraft fees on transactions that should never have been overdrawn. I have been experiencing issues with TD Bank regarding excessive and illegal overdrafts and non-sufficient fees since XX/XX/2022. As of XX/XX/XXXX, I had an illegal overdraft fee of {$240.00}. In an effort to reverse the fees, I have been in constant contact with TD Bank. As a result, I requested that the account be closed since I would not be making any further deposits or transactions to the TD account. I reviewed the account on XX/XX/2022, to determine whether the fee had been reversed and discovered four unauthorized XXXX transactions. I contacted XXXX and they addressed the issue. They also notified TD Bank of the unauthorized transactions on XX/XX/2022. As a result, TD continues to impose non-sufficient funds and overdraft fees for the same transactions from XX/XX/XXXX to XX/XX/2022. According to my bank statement dated XX/XX/2022, I have a total amount of {$590.00} in overdraft fees. 

I contacted TD Bank by phone and through their message portal. I received the same generic response from them, which indicates that they have no intention of helping. Even though I requested that my account be closed, they ignored my request. 

In support of all my claims, I have sufficient documentation when needed.
Product: Mortgage

Reported to credit agency that I was late with a payment when I actually tried to make a payment. 
In XXXX, I made my mortgage payment through their online service when it was due. After a few days, I noticed the payment had not cleared my bank. I called Ocwen several times to ask why it had not cleared. They stated that the payment was pending. XXXX weeks later, I received notice THROUGH THE POSTAL SYSTEM, not a phone call, that the payment was not made, I was XXXX days in arrears and it was reported to the credit bureau, which affected my credit score, as well as my husband 's. I have made numerous attempts to have Ocwen remove the late charge through phone calls and letters. To this date, my credit is still not where it was and it has caused me to have limited access to funds from other institutions. I can understand their stance on this if I have a record of being continuously late, which I do not. If you look at my credit history, you will notice that I am not late on paying ANY bills. I believe that Ocwen 's tactics are unethical. My loan was sold to Ocwen, so I had no say in who would be servicing my mortgage loan. However, I feel that me and my husband have been treated unfairly.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of XXXX XXXXall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$12000.00} TransUnion : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$12000.00}