23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

XXXX writing to formally express my concerns regarding XXXX handling of disputes particularly in light of the recent developments and claims that are being made against them. Despite using Zelle numerous times and reporting discrepancies, my financial institutions and Zelle has failed to investigate my claims adequately. The CFPBs finding indicate that Zelle has not only neglected to protect consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute accounts with XXXX  ( XXXX XXXX XXXX XXXX ) and I have not been successful in deleting accounts and XXXX  is no compliant with FCRA 605B. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove these specific wrong accounts.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

THEIR WAS A {$2400.00} CHARGE ON MY MY SUNTRUST MASTERCARD ON XXXX-XXXX-2017 THAT I DIDN'T AUTHORIZE. IT WAS PAID TO XXXX XXXX. I TRIED TO CONTACT THE BANK AND WAS TOLD IT WAS LONGER THAN 18 MONTHS AND THEY COULDN'T DO ANYTHING.
Product: Debt collection

I am writing to dispute a fraudulent account on my credit report. The account in question, listed with XXXX XXXX XXXXXXXX is not authorized by me and appears to be a result of identity theft. I trust you will conduct a thorough review and provide written notification of the investigation results, including any corrective actions taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act code 15 USC 1681, it is EXPERIAN 's duty to provide accurate and fair credit reporting. Failure to do so directly impairs the efficiency of the monetary systems and directly undermines public confidence within said systems. It is imperative that EXPERIAN only provide the most accurate and up to date reporting to continue the proper functioning of the banking systems.

EXPERIAN is reporting 5 late payments, 90 days delinquent on the XXXX XXXX XXXX  accounts. ALL 5 accounts beginning in : 6418 All 5 of these accounts include a late payment of 90 days, set on the month of XXXX of year 2017. This is incorrect information being reported and shall be reported as PAYS or PAID AS AGREED. These items shall also be REMOVED as any form of DELINQUENCY or DEROGATORY events. Furthermore, persuant to 15 USC 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, UNLESS the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not less than 21 days before the payment due date. Also adding in violation to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), by furnishing any transactions as late payments. The term " consumer report '' does NOT include information solely as to transactions or experiences between the consumer and the person making the report. Therefore, late payments do constitute transactions and thus, EXPERIAN is in clear violation of my federally protected consumer rights.

Lastly I NEVER provided EXPERIAN with my express written consent to furnish these inaccurate late payments on to my consumer report and this in violation with 15 USC 1681b ( a ) ( 2 ).

These inaccurate and derogatory statements have caused myself and my reputation unnecesary harm and difficulty as a consumer and as a natural person. I have written this letter without ANY connection or affiliation with a third party.
Product: Credit reporting or other personal consumer reports

I mailed a dispute to equifax back on XX/XX/XXXX and have yet to get any notice that my dispute was being processed.
Product: Credit card or prepaid card

OnXX/XX/XXXX I purchased a XXXX XXXX XXXX  headset with Bluetooth advertised on XXXX, paying {$930.00} for the item using my Citibank Visa card. When the item arrived, it did not have the advertised Bluetooth option, whereby it would have cost approximately {$350.00} to upgrade it ( although the XXXX with Bluetooth is only about {$100.00} more expensive when purchased originally with Bluetooth ). I returned the item to the Seller ( who initially refused a return ), and I initiated a dispute with Citibank. Citbank initially gave me a " provisional '' credit while " investigating '' the matter. However, on XX/XX/XXXX I received a letter dated XX/XX/XXXX ( copy, together with other documentation, attached ) in which Citibank determined that they would reverse that credit. In " support '' of their decision, Citibank included the " merchant 's response '', which was actually a Citibank Merchant Chargeback Response Form, printed by Citibank, in a point size that is so minuscule that I had a difficult time reading it with a magnifying glass ( Notably, despite my age I have perfect vision, without any requirement that I wear corrective licenses on either my driver 's or pilot 's licenses ). Copies of my correspondence, including confirmation of the return of the item to the Seller, the Citibank letter, and other documentation are attached.
Product: Vehicle loan or lease

Moved to XXXX  from XXXX. Need the car title to register the vehicle in XXXX. Title & tag place I went to requested the title via fax, as per their website. I followed up 3 days after request was sent & was told that they didn't receive the fax. Was told to email the request to them, which was done over a week ago now. Spoke with rep there who said they received the request, but that they also needed a XXXX  DMV form MV-1 in order to provide the title, which is NOT true - that is the form to submit the actual title / registration change ( with the title ). Now I'm told that they actually do NOT need th

e MV-1 ( which is correct ), but that they never received the request for the title via email or fax, even though they verified that they received the email request earlier today! XXXX  law requires that the car be transferred to XXXX  within 10 days, and it's now 13 days that I've been going back & forth with them over this, with no end in sight. Now the XXXX  registration is also expired, so we can not even drive the car!!! I've made every single payment on time & am well past the time required by law to register the vehicle in XXXX  at this point. Despite talking to about 15 different people there over the course of the last 2 weeks & spending 10+ hours on the phone with them, they refuse to provide the title so that I can register the car in XXXX.
Product: Debt collection

I received an automated telephone call from ERC Debt Collection at XXXX this morning asking me to call another phone number. I pay all of my bills on time and I have an excellent credit rating. I Googled ERC Debt Collection and see there are many complaints of phantom bills that they are trying to collect on. Many stated that ERC reported to the Credit Bureaus false information and they were having a hard time getting the information removed. I am contacting you in advance to try to head them off.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I informed TransUnion that they are reporting negative items on my consumer report. Once again TransUnion fail to investigate this matter because they did not validate this information from the Courts. Other bureaus XXXX and XXXX did their proper investigation and remove this inaccurate information off my consumer report. Their blatantly disrespect for the law is absurd!
Product: Mortgage

this is a continuation of complaint XXXX as it has not been attempted to be resolved as the mortgage company is stating it is. They have yet to accept my bank bill pay certified checks that were sent to them in XX/XX/2019 in the amount of {$XXXX and another in the same amount in XXXX of XXXX or send them back. They claim they have never received them, however they sent a refund check to the rental house in XXXX along with all the other communications. I finally located the 2 personal checks they returned to the rental house as well as one refund check from Amerihome for one of the checks they claim they never received. 
I have made several attempts to contact this company, Amerihome. after 30-40 minutes on hold I have spoken to several different people at the company with no results. 1st I asked for bank certified checks to be refunded to me or be applied to my loan. They don't have them. However they sent one refund check for one 'they never received ' however since they mailed it to the wrong address I didn't get it before it expired. I sent them my bank statements showing that both were taken from my account. They requested that the bank bill pay company prove that the certified checks were cashed. I contacted the bank bill pay company and was told that the checks are sent as a whole payment from all their customers to their bank at XXXX XXXX and can't be shown as an individual check. Most companies accept the bank statements but not Amerihome. The bill pay company attempted to reach out to Amerihome but they refused to speak with them. I contacted Amerihome, waited on hold for the typical 30 minutes. They stated they won't talk to them without my approval first. So I asked them to hold while I have them on the phone so I can contact the bill pay company and conference them together, but Amerihome hung up on us. They have been rude and have no motive to clear this issue up as they have my money and have my house too. 

I have tried to get this mortgage back in good standings. Amerihome tells me to contact the foreclosure law firm, which I did. They told me if I want to get in bank in good terms I need to talk to Amerihome. I explained that they told me to contact their law firm. The law firm told me they get this all the time from Amerihome but have to send them back to Amerihome to litigate the loan. I called amerihome back and tell them I want to litigate the loan to get it back in good standings. Again after the 30 minute hold time I am told that they can not work with me I must contact the law firm! So where do I go from here? I feel amerihome has a scam going here that they can refuse your payments, not tell you about it and then foreclose on your home stealing the payments you sent them. Something should be done about the scam of a " mortgage '' company. 
I need help to get this matter cleared up as amerihome is not motivated to do so.
Product: Credit reporting or other personal consumer reports

the following accounts at NOT MINE - XXXXXXXX XXXX / XXXX / {$500.00} / Opened XXXX, XXXX ( 7 years ) XXXX XXXX / XXXX / {$890.00}. / Opened XXXX, XXXX, XXXX XXXX XXXX / XXXX / {$820.00} / Opened XXXXXXXX XXXX XXXX / XXXX / {$470.00} / Opened XX/XX/XXXX ( 8 years ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX / {$690.00} / Opened XXXX XXXX, XXXX XXXX XXXX  XXXX/ XXXX / {$400.00} / Opened XX/XX/XXXX ( XXXX )
Product: Debt collection

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Also company has NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion several times to remove the fraud alert off my credit. I can not even get access to my free transunion credit report because they keep requesting the same docs to be mailed to them to confirm my identity, which I've done 5x already and they refuse to give me access to the credit report and remove the alert that I asked for. Please contact them to take care of this. This is beyond frustrating. I mailed them a copy of my id, ss card and a bill with my name and address on it 5x.
Product: Checking or savings account

I had a business account that went delinquent. I was advised by a banker I had 90 days to bring current. I brought account current on the XXXX  day. Went into the Bank to reopen account after hardship and was denied to reopen account. I explained and ask to have them pull the call on situation and was still denied access to reopen account. I felt this was unfair due to the misinformation that was provided to me was not my fault. I felt Wells Fargo charge me the fees and put this on my banking credit profile and didn't honor the mistake of their own.
Product: Checking or savings account

I have received several mailing notifications that started in XX/XX/2022 welcoming me to my new bank account with both XXXX XXXX XXXX  and Key Bank. I have also received debit cards to access the accounts. I did not sign up for either bank and I never gave these banking institutions my permission for an account to be opened in my name. I called Key Bank in the middle of XXXX and asked for information about who and how the account was opened. I was advised that the account was opened fraudulently and that it had been frozen due to suspicious activity. They explained someone tried to transfer {$2000.00} into the account. I was told I would need to come down to the bank to close the account. I have not yet been able to get to the bank to do this due to personal matters however I wanted to report the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below 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 has violated my rights.

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

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

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

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting the bureaus since XX/XX/2020 about three unverifiable bankruptcies reporting on my credit profile. XXXX  advised I need to send them information from creditor/courthouse. Equifax claims they received information from a third party and XXXX  claims the bankruptcy is verified. I have sent all 3 bureaus a letter advising that the courthouse advised they did not report the information. I have also contacted the third party company XXXX XXXX in which they were not able to verify the information and sent the letter to all three bureaus but yet the three bureaus are STILL showing the bankruptcies on my credit profile violating FCRA.
Product: Debt collection

XXXXm honestly not sure what this debt even is, all I ever receive are continuous phone calls from debt collectors. This debt is for {$670.00} and was opened XXXX XXXX but once again has been reopened multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft. XXXX, XXXX fraudulently opened an installment loan in my name without my consent. I've repeatedly send letter, emails, phone calls, FTC report, Police reports, requesting them to close my account but they refuse to resolve the problem. In addition, they falsely report the info to my credit report with XXXX, Trans Union and XXXX to ruin my credit. 

They have emailed me at least 9 times with the same request for my IDs, which I have responded every time and mail by certified mail. The email address came from XXXX different addresses requesting same information, sometimes twice a day. They use robots to call me many times ( too many to count ), from many different numbers. XXXX  also send me letters telling to pay the loan that doesn't belong to me. 

They've recently updating my credit reports with false information like late payments to a loan that doesn't belong to me. I've research about their company reviews online, most of their customer responded that " they are a scam, a ripoff ''. 

My complaint also about XXXX. I've contacted them about the ID Theft and XXXX  fraudulent loan and disputed with them. I filed dispute with them over the phone, and on their website but both returned not " accurate ''. XXXX didn't handle the dispute fairly and accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In effort to save money and take advantage of the lowest mortgage interest rates I tried to refinance more mortgage this week. Sadly I was declined. After multiple disputes and investigations into my credit report all three credit bureaus are still broadcasting their complete bias to my social security number. The following closed accounts are still inaccurately appearing on my credit file : XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX  opened XX/XX/XXXX, XXXX XXXX Opened XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, & XXXX XXXX opened XX/XX/XXXX. Since XXXX of XXXX I have requested month to month dispute requests to send me complete information to include points of contact and methods used to verify these negative reported accounts. The credit bureaus have refused to do this but instead said they were verified and closed the investigations. Some of these accounts are over 10 years old and are closed. There is no good reason they should still be showing on my report and I'm asking that all of these accounts be deleted from my credit report. Thousands of dollars on representation, higher interest rates, and declines have put an enormous amount of stress on my ability to provide for my family. On top of it all the bank credit pulls are still showing up to 100 points under the consumer facing credit reporting systems. It is time to erase the numerous inquiries and negative credit accounts. I've been held in credit jail long enough.
Product: Credit reporting or other personal consumer reports

I do not have any ties to the listed creditors, and these inquiries were not initiated by me.
Product: Money transfer, virtual currency, or money service

I transferred funds from my savings, then they restricted my account and requested documents. I sent in documents, and my account is still restricted and funds on hold. It has been a month, and I'm still unable to retrieve my funds.
Product: Credit reporting or other personal consumer reports

Kindly erase these inquiries. I am not informed about them, and the company did this without my authorization.
Product: Checking or savings account

My friend sent me XXXX dollars via XXXX. The funds are being held for three days. It is supposed to be available immediately. I'm stranded with no money and once again this terrible bank has caused me trouble.
Product: Debt collection

RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : TRANSWORLD SYS INC/XXXX To Whom It May Concern : I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time XXXXomeowners Buyers program and I saw two incorrectly trade lines for an account from Transworld for XXXX XXXX , both in the amount of {$380.00}. The account status says past due and it should not say that as this debt is not owed. I am requesting both a validation and " verification '' as well as the signed HIPAA release my signature as the item being reported to XXXX by XXXX is a VIOLATION of the HIPAA Act of 1996.

Transworld did NOT provide me a HIPPA release that releases my medical information to them, therefore by Quest providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against Transworld as well as XXXX XXXX should this item not be deleted within t10 business days and until the debt has been validated and verified. Transworld is in direct violation of HIPAA regulations, and they are facing fines up to {$1000.00}, even possible jail time. I am seeking a legal remedy immediately as I have contacted Legal Services to obtain an attorney for free to file suit against Transworld, XXXX XXXX, and all 3 credit bureaus : XXXX, XXXX and XXXX. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from Transworld expeditiously as I have no idea where this debt is coming from and I do not owe this company any money. 

Additionally, I can prove that at the time of service, I was both unemployed and homeless. I completed the financial assistance forms, which should have taken care of any costs associated with my medical care.