23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On Friday XX/XX/18 I responded to an ad advertising basketball tickets. The seller used these two phone numbers ( XXXX ) XXXX and ( XXXX ) XXXX. He said his name was XXXX XXXX and his email was XXXX.We agreed upon sending the payment via XXXX through my bank XXXX XXXX XXXX. The first name on the receiving account was XXXX. As soon as I sent the {$300.00} we had agreed upon for the tickets, he stopped responding to my calls and emails. I have submitted a claim with my bank and am trying to recover my lost money, as no merchandise was ever exchanged.
Product: Debt collection

The company filed a negative credit notation on my credit for a debt from XXXX, and can not be reached. it has no valid phone number. The debt was paid off the actual collection company that has the account with XXXX. The company is re-aging this debt to show it as if it was a brand new debt. The debt was forgotten by me after a XXXX bankruptcy. As soon as I learned of it, I paid it off. This company can not be reached and it did not have the account since XXXX.
Product: Debt collection

I began receiving texts messages from True Accord that I owed {$170.00} from XXXX XXXX XXXX XXXX. The text message takes you to a website providing the amount Im supposed to owe however it doesnt have my name or information attached to it. In addition, I do not owe any money to XXXX XXXX XXXX and have had my account set up on auto pay for years. The amount True Accord is trying to say I owe has never been reflected in any previous bill.
Product: Mortgage

After an initially delightful and responsive initial period, Citibank reneged on their written promises and confirmations. I will never get a loan from Citibank nor would I ever recommend getting a mortgage loan from them. 

Earlier this year, we found a condo that we fell in love with and made an offer. After getting our mortgage shopping done, we chose Citibank because they offered us an initial rate of 3.375 %, which was fantastical and better than the rate we could get at our own bank. 

Signing a contract for 90 days after getting our pre-approval, we were ready to close and move in. From the moment underwriting began, it became a nightmare. The amount of documentation required kept ballooning again and again with each time the lender assuring us that we were complete. 

After weeks of this, Citibank 's attorneys then caused even more delays, which my attorney fixed in fifteen minutes of writing an indemnification letter. At this point, our purchase agreement had long since expired, and it was only by the kindness of the sellers that we were able to keep our considerable escrow deposit. I had multiple written assurances from the bank that the rate would be locked in at 3.375 %. 

With underwriting complete, we set a close date. Just a week and a half before the close of the property, we received an email from Citibank -- a day after they had confirmed our original interest rate -- that they were going to hike the interest up to 3.5 %. They did this because they had to pull my credit report again causing my score to drop. This hard inquiry was completed WITHOUT my permission and WITHOUT notice. 

After several days of protestations, I spoke with the VP of lending at the bank, who said there was nothing he could do. I could either pay XXXX more dollars in discount points or risk losing my XXXX of dollars in escrow by going to another lender. This was simply extortion. I was left with literally no acceptable options. 

We reluctantly agreed to pay the discount points and closed just days later, but I will never get a loan or recommend Citibank for another mortgage. They do NOT keep their written word or deal in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Synchrony ran my credit unknowingly which resulted in a hard inquiry on my credit report. I called the company to resolve issue, no action was taken.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX Balance : {$0.00} XXXX XXXX **** Balance : {$0.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XX/XX/XXXX.
Product: Debt collection

Remove my name from collections on my credit report!

Code 15 USC 1681B Permissible Porpose
Product: Credit reporting or other personal consumer reports

I did not give any permission, or consent to share, disclose, or furnish any information pertaining to m, to a 3rd party company like a credit reporting agency. According to 15 USC 1681 ,1692, and 6801, I have a right to privacy. My private non public personal information, should not be shared with anon affiliated 3rd party company without my consent. These creditor shared my non public personal information without my consent which by law constitutes as aggravated identity theft. I did not give any written nor verbal instruction, or any consent to share or disclose my information. Pursuant15 USC 6802 finical institutions are not obligated to disclose my non public personal information to a 3rd party company such as CPA 's unless they provide me with a notice that complies with sec 6803 of this law. I have never received any notice from any of these companies, and they also have violated my privacy by not protection my non public personal information.
Product: Checking or savings account

I recently opened an account with Wells Fargo and they said it was in good standing on XX/XX/XXXX XXXX and now they say they are closing my account at XXXX without a good reason
Product: Credit card

I have wrote to Barclay multiple times to have them remove me from their mailing list. I continuously get emails from them and have requested for them to remove me after every harassing email. I was told by the secure message center that they can not remove me from this. I do n't understand how they can not remove me. I NEVER signed up for these harassing emails in the first place so someone had to add me to this list and I want that person to remove me from the harassing emails. It is ILLEGAL to continue to send these SPAM emails to an individual after they have requested to be removed. So I will give them XXXX final chance to remove me from the mailing list. Next recourse will be to report them to the FTC and/or the state XXXX. Additionally, I will be informing my internet provider of XXXX XXXX that this company is sending out SPAM emails. And I will submit a claim and complaint every time I am sent a harassing email so that all actions are documented. Thanks.
Product: Debt collection

Date- XX/XX/2022 Creditor- velocity investments, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$580.00} Total amount owed- {$1600.00} I would like this to go away I never had debt and I did not ever apply to none of these businesses. I don't know what this is but it is not me
Product: Mortgage

Hello My house XXXX XXXX XXXX XXXX XXXX Texas XXXX is a rental property under a VA loan. During Covid XX/XX/XXXXXXXX XXXX my tenant refused to pay rent and said since my home was protected under the Cares ACT XXXX Texas had a moritorium on evictions. 
Finallly in XX/XX/XXXX that ended. They did not pay rent for over 2 years. Any my husband is XXXX XXXX fireman and XXXX veteran. On XX/XX/XXXX he was seriouly injured in a work fire and had over XXXX XXXX through today... He was medically retired XX/XX/XXXX after 30 years and he is Veteran XXXX XXXX XXXX... I have submitted 13 modification applications and they either claim denied by investor or they never receive them. I filed a compliant with XXXX Housing authority too... I have tons of equity in the home just had it appraised for {$470000.00} and we owe with all back payments {$200000.00} We spent over {$30000.00} this year on mold remediation issue. BSI wont help us with any modification of this loan
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX Balance Owed : {$280.00} XXXXXXXX XXXX **** Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$280.00} XXXX  XXXX XXXX Date Opened : {$360.00} XXXX XXXX Balance Owed : {$35000.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

I sent a certified letter to Midland Credit Management to request verification of the debt they are attempting to collect. I requested the verification, the certified letter was received. In turn I did not get verification, but a letter which told me to provide proof/ records as to why I was disputing the debt.
Product: Credit reporting or other personal consumer reports

This account ; Creditor name XXXX  Account number XXXX Account status Collection Available credit NA Reported balance {$1900.00} Credit utilization NA Date opened XX/XX/year> is being reported to my Transunion account XXXX and this is a fraudulent account. I did not open this loan, nor did I receive the proceeds of this account.
Product: Credit reporting or other personal consumer reports

Wh en trying to contract a vehicle through my credit via my signature and social security number. I stated clearly the this is a consumer credit transaction, no loan is needed when using credit My signature ( from the natural living man ) via 15 USC 1602 ( i ) creates the credit. I expressed this verbally to the finance manager yet here we are with multiple searches of my social # for a loan that I didn't ask for or apply for various Financial institutions on XX/XX/XXXX. XXXX XXXX XXXX XXXX and XXXX XXXX. Then again on XX/XX/XXXX with XXXX in XXXX and finally several more times at XXXX XXXX XXXX XXXX on XX/XX/XXXX. All of the dealerships mentioned in the complaint were instructed not to search for an auto loan. The were instructed to utilize the credit acknowledged by the social security number. It is impossible to get a loan when there is no legal currency in circulation since XXXX ( XXXX XXXXXXXX ). The is only debt or credit, via XXXX XXXX I expressed these truths for reasoning of a credit transaction not an auto loan approval transaction. There were multiple inquiries on the same day in a malicious attempt to coheres me into paying with credit and cash for the same vehicle which is Fraud in the inducement.
Product: Credit reporting or other personal consumer reports

This is my 22nd requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXXXX Balance Owed : {$5500.00}
Product: Prepaid card

XX/XX/year>, first time ordering from this company and never received the product because the XXXX USPS lost the package and did not deliver to XXXX  XXXX, or my mailbox or the XXXX XXXX On XX/XX/year>, XXXX XXXX XXXX XXXX wrote me a letter to give to the company admitting loss of package. XXXX has a {$100.00} insurance and refuses to file a claim explaining the customer needs to file a claim. Now XXXX is claiming they are not responsible for refunding my money and is waiting for a response from the USPS. On XX/XX/year>, XXXX emailed me stating : " We are trying to file a claim but USPS keeps showing us this message. Contact Providers /Propel Card to file a dispute who in return did not contact me nor provided me with the merchant response and an opportunity to respond with supporting documentation. Instead they gave favor to merchants. After calling and requesting a merchant response which I was entitled to, I was then told to appeal and send supporting docs. Providers/Propel did not bother to accept my docs and refunded my money and then reversed the charges to the merchant who knows the package was not delivered and was lost by the United States Postal Service and was instructed to file a claim for the insured package of {$100.00}, Providers/Propel was given all this information and claiming the merchant show proof of delivery and is not responsible for USPS not delivering. But nor am I responsible for paying for undelivered merchandise.
Product: Mortgage

when I first notice that I was going to run into problum with my Mortage payment 's. I contacted toe company and tried to workout a back payme n't plan. the company agreed to work with me. the company instructed me that they needed sirtify fund 's every Month. I agreeded with the company. So the company gave me an account number to wired the fund 's every Month. That worked smooth for about four month 's and then I was blocked in paying my mortage useding that methic. I made severial attemp't to pay my Mortage from that account servrial time 's and was not excepted. I was useing wallmart to pay my Mortage payment 's.

As of XX/XX/2018. I had no way to pay my Mortage account. I was block. And I feel that I was taken advantage of becaused I suffer from XXXX. The company totally confused me with added charges on my account. I have been left totally left in the dark by my Mortage company. Per there instruction I applyed for a workout plan to bring my account current and allowed me to remain in my home.I 'm XXXX, XXXX Veterain. wonded worrier. I was taken advantage of becaused I suffer from XXXX? I'm over welmed by that company.
Product: Credit reporting, credit repair services, or other personal consumer reports

During a prior dispute, XXXX removed all of the following accounts because of false misrepresentations. However, Equifax only decided to remove one of the following accounts although both agencies were submitted the exact same information regarding the XXXX XXXX accounts. 

For whatever reason, Equifax can not find reasonable cause to remove the other two account when they have all the required information to do just that, remove the incorrectly reported accounts. 

XXXX XXXX Accounts in Dispute : XXXX - {$1300.00} ( Deleted by XXXX  ) XXXX - {$280.00} ( Deleted by XXXX ) XXXX - {$390.00} ( Deleted by XXXX ) ; ( Deleted by Equifax ) Equifax Credit Dispute Results ( Regarding XXXX XXXX ) : Account # XXXX The results are : We verified that this item belongs to you. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *CHARGE OFF AMOUNT *ADDITIONAL INFORMATION *ACCOUNT HISTORY. 

Account # XXXX The results are : We verified that this item belongs to you. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION *ACCOUNT HISTORY. 

Account # XXXX The results are : This item has been deleted from the credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

They keep reporting inaccurate information ... and statuses and DATE OF STATUS..!! This is a clear case of Re-aging an account that the original creditor refuse to validate or verify. The company XXXX/ XXXX only response after several certified letters is ... we need more information. But yet Experian continue to say they have verified the account. XXXX and XXXX have deleted the inaccurate line.On XX/XX/XXXX I sent XXXX a certified letter.. they responded ... need more information. On XX/XX/XXXX ... sent a dispute to Experian. They responded as verified. So I sent letter # 2 wth the inaccurate info on report. So we are back and forth ...
Product: Credit reporting or other personal consumer reports

Violation of Verification Obligations : I submitted a dispute letter to Experian requesting verification of these inquiries, including copies of the original signed contracts that purportedly authorize theI am filing this complaint against Experian for their failure to properly investigate and remove unauthorized hard inquiries from my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Below, I detail the issue and supporting information : Unauthorized Inquiries Identified : During a recent review of my credit report, I discovered multiple hard inquiries that were conducted without my authorization. These inq

uiries were made without my written or verbal consent and do not have a permissible pm. Under Section 609 ( a ) ( 1 ) ( A ) of the FCRA, Experian is legally required to provide verification, yet they failed to do so.

Failure to Reinvestigate and Remove Inaccurate Information : Pursuant to Section 611 ( a ) of the FCRA, any information deemed inaccurate or unverifiable must be removed from the credit report. Equifaxs inaction following my dispute constitutes non-compliance with this requirement.

Identity Theft Claim : These unauthorized inquiries are potentially linked to identity theft. I filed an identity theft report with the Federal Trade Commission ( FTC Report Number : XXXX ) and included it in my dispute submission. Experian is required under 15 U.S.C. 1681c-2 to address identity theft claims promptly and accurately. 
List of Disputed Hard Inquiries : 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

I am disputing the charge made by XXXX for {$520.00} as fraud. There is absolutely no documentation for that number. Its fraud because I dont recognize that amount at all and I never agreed to any amount. I have provided documentation that the amount is {$0.00}. I further spoke with XXXX and they assured me that there was no charge. I have reached out to you SEVERAL times with no resolution. I demand the {$520.00} be returned to my card and my account be closed immediately.
Product: Checking or savings account

This is my second complaint regarding this situation. 
I made a deposit on XX/XX/XXXX in the amount of {$7500.00}. This is the same deposit I make EVERY month. The check was received ( confirmation e-mail received from US Bank ) the deposit was then accepted by US Bank ( confirmation e-mail received from US BANK ) on XX/XX/XXXX. The e-mail stated the money would be available WITHIN ONE BUSINESS DAY. Today I checked my account and the balance still isnt updated. I called US BANK and was told a hold was placed on the deposit and would not be available unlit XX/XX/XXXX. I asked why when the e-mail I got said it was accepted and would be made available within one business day. The rep told me a hold was placed on it AFTER that. I NEVER received any notification of any such hold being placed AFTER the e-mail notification that the money would be available within one business day.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to their poor customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience to me and financial loss, and I seek appropriate redress for these unlawful violations.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I dispute so manny times, XXXX doesnt listen to me keep saying yhe document that I sent is unrelated XXXX XXXX XXXX XXXX XXXX work with XXXX XXXX XXXX is same company they keep saying is unrelated, the documet that I sent has same date, same hour, same year.. I paid this
Product: Credit reporting or other personal consumer reports

The accounts and inquiries below are all fraudulent and do not belong to me. Please remove them from my credit report. I have included the identity theft report as well. Please also update my address to XXXX XXXX XXXX XXXX XXXX, GA XXXX. I don't have any other addresses. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete this address. 
XXXX XXXX XXXX XXXX XXXX, NJ XXXX Please removed these fraud Inquiries below. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit card

I am requesting an investigation into accounts from companies that are wrongly marking late payments on my credit report. Upon review, I found inaccuracies in these accounts, and there should be no late payment remarks on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries does not belong to me and must be removed as soon as possible