23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX I received a check for XXXX from a business I thought was a scam. Since my research of the company ( via XXXX ) on the check came back the business was legit I held onto the check for about a week. On XX/XX/XXXX I took the check to my bank ( BMO Harris Bank ) and asked if I deposited it and it bounced am I out the bounce fee of {$12.00}. The rep said yes. Because of this I pulled over and called the bank that the check was from. They confirmed that yes there were sufficient funds to cover the check. I then went back to the bank and deposited it. I waited another week to make sure the check didn't bounce. At this point I texted back the issuer of the check who told me to send them {$1400.00} back and keep the rest. Seeing as though I've heard of this to be a scam, I called my bank who would not allow me to send the money. They identified it as fraudulent and froze my account. I was then told by the bank rep I would have to go to a local branch to remove the freeze. I did this near the XXXX. Thinking this was the end of the issue I payed no attention to my account. Then near the XXXX I realized my credit cards weren't getting paid .Then my paycheck didn't get deposited on the XXXX. I FINALLY got through to the fraud specialist who said my accounts still frozen and she doesn't know till when. I am now without any financial means. My three credit cards and checking account is shut down and I have not received my paycheck. 
I explained I did my due diligence to confirm the check was good. The bank put the money in my account, I didn't spend any, thinking it was fraud, I brought to their attention and told them the crooks have no link to my account or any financials, they froze my account because of what " I '' brought to their attention. Now after having this account at this bank for at least 20 years the fraud specialist says I need to open a new account, my funds are frozen. She also went on to mock me that I " c'mon your a grown man you should know better '' Also '' YOU sir are the one that started this problem ''. She then went on to give me a list of transactions on my account " you don't know about '' due to the register reading different amounts from her screen to mine.According to my register I should have at least {$500.00} in my account. She says its about - {$500.00} and at the end of the investigation if there is any left they'll send me a check ... .and BYE.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM *******
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no sufficient information to support your claim..The payment here is sent in advance so I don't understand why this is a past due..Please fix this for me. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Money transfer, virtual currency, or money service

i deposited money into their account in XXXX XX/XX/2021 and it was the last time i saw it.i was told to send another XXXX if i want my profit .and i asked for my refund and they refuse .i want my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage was not " foreclosure '' but was given back in chapter XXXX bankruptcy. XXXX XXXX Loans continues to purposely misreport as " foreclosure '' when they know it was included in bk. BK is over XXXX years old and XXXX can not report negative info in any fields on credit report. Fix this immediately or I will see you in court. Chapter XXXX bankruptcy was discharged XX/XX/XXXX case # XXXX Original mortgage was with XXXX and was filed as such in bk. XXXX purchased the loan several years AFTER the home was given back to XXXX under the protection of bankruptcy courts. I offered to reaffirm the loan however the courts did NOT approve the reaffirmation. Therefore it was NOT a foreclosure and WAS and IS protected under the federal bk courts which you are knowingly and willfully disregarding thus violating my rights.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address inaccurate information on my credit report. There is an account appearing that does not belong to me and seems to be linked to someone elses profile. This misreporting is damaging my credit standing and is particularly concerning given my ongoing issues with fraud and identity theft. This situation infringes on my rights as a consumer and harms my financial reputation. I also just want to note that XXXX and XXXX have already deleted this off my report because of the facts stated, please also see the attached file.
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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

Transunion without my knowledge and consent removed or deleted a closed XXXX XXXX credit card account from my credit report that was in good standing. This has hurt my Average Age and credit history length. 


That account # XXXX i did not give permission for Transunion to do this change. 

I also called about this several months ago, but the guy sweet talked me and tricked me into not disputing it. 

That account needs to be placed back on my report. if it was removed by error or confusion it needs to be replaced back on my credit report.
Product: Debt or credit management

I was approached by Lexington law about 10 years ago and I had to pay them monthly fee to correct my credit file. I signed paper stating that they were corrected if I could tell you to pay in 30 days I would see but then they sent me paper and asked me to write letters to the company that I owe and that way it will be corrected. Never got any final Correction or any more calls from them after paying them.
Product: Credit reporting or other personal consumer reports

I settled debts with Bank of America and XXXX and they still kept bad remarks on my credit report id like removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a letter to all 4credit bureaus and XXXX, stating this debt has been paid in full since 2021.
Product: Money transfer, virtual currency, or money service

Coinbase has locked my account and wont send me the password reset link. Automated Bots answer their email support and provide no help besides suggesting to look in spam folder. Numerous cases like mine reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to each of the 3 credit bureaus ( XXXX, Experian, and XXXX ) on XX/XX/2022 via certified mail. These are the tracking numbers for each letter ; Experian XXXX, XXXX XXXX, XXXX XXXX. 

The letters were sent to the credit bureaus so they can investigate the inaccurate information on my credit report and delete or correct the disputed items that are listed in each letter. According to the Fair Credit Reporting Act Title 15 U.S. Code 1681 et seq., and the Code of Federal Regulations Title 12, Chapter 2, Part 222 et seq. inaccurate information and discrepancies should not be on my credit report.

Also according to 15 U.S. Code 6802, I have the right to privacy and my nonpublic personal information is not supposed to be disclosed to any nonaffiliated third party.The attached documents will show that my Federally protected consumer rights have been violated.
Product: Credit card or prepaid card

XXXX of XXXX XXXX is in Breach of Warranty. I took the XXXX  XXXX to address the rough starts, was false and mislead advised that the issue will be fix by a fuel injection service. 
I did not fix the issue, the dealer provided over 10 other service, such as tire replacement, alignment, induction service, throttle body service, injector cleaner, engine filter, fuel pump assembly, injector failing diag, brake flush and brake front, should a tire replacement should fix a rough start? 

I disputed the charge with Simmons Bank and they reverse the credit, charging for a service that did not fix rough starts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX are reporting XXXX XXXX XXXX # XXXX inaccurately and incorrectly, Last reporting dates and Last active dates are different on all three major credit reports. ( See attached Screenshot ) My rights are being violated under the Fair Credit Reporting Act. 

Note : This complaint is NOT for verification, XXXX, Experian and XXXX must provide to me ( in writing ) paperwork showing 100 % VALIDATED proof within 45 days or they MUST remove this account from all three credit reports immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act. The list of accounts before has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. The accounts below have Violated my rights 15 U.S. C 1681 section 602A. 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 intormation, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( a ) 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. Delete the accounts below XXXX XXXX, XXXX  XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inaccurate information to my payment history for an account. 
A XXXX act # XXXX closed account is reporting : ok - XX/XX/2020 60 days late - XX/XX/2020 ok - XX/XX/2020 60 days late - XX/XX/2020 90 days late - XX/XX/2020 There is no 30 day late prior to both 60 day late charges. 

I have attached a screenshot from the equifax website with blatant error.
Product: Mortgage

BSI Financial denied a loan modification because they said I never sent the proper paperwork in. I sent all the proper paperwork to my attorney who then sent it to BSI. BSI is the servicer of the loan. XXXX XXXX was the original servicer and they denied me a loan modification XXXX different times
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. 

Account name : XXXX XXXX XXXX  Account numberXXXX Account name : XXXX XXXX XXXX  Account numberXXXX Account name : XXXX XXXX XXXX Account number:XXXX  has violated my rights. Or list of inquiries 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 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.

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX 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

I have attached an FTC report with 3 accounts and inquiries I did not authorize
Product: Mortgage

They told me to not make payments and go into default. Before they would have helped me. And then they refused to modify and it was to late to catch up and they took my house. Our lives have been in Limbo since. They crushed us and we never recovered.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kindly be sure with the accuracy and precision with this customer record account. Related information similar to this, this is amazingly harmful to my current credit record! Kindly provide that the particular information is 100 % verifiable and appropriate. 
XXXX 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

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block these items not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on these items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$2000.00}, XXXX XXXX Balance : {$1500.00}, XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a concerning issue I have encountered regarding the late opening of my account with your company. 
I initiated the process of opening an account with your organization. However, despite the assurance of a timely response, I regret to inform you that my account was opened later than the agreed-upon timeframe. This delay has caused inconvenience and frustration on my end. 

I understand that unforeseen circumstances may arise, leading to delays in processing applications. However, the lack of communication regarding the delay has exacerbated the situation. A transparent and timely update on the status of my account would have been appreciated, allowing me to plan accordingly. 

I request that you investigate the reasons behind the delay in opening my account and take appropriate measures to ensure that such delays do not occur in the future. Moreover, I am seeking assurance that my account is now fully operational and that all necessary corrections have been made. 

Timely and efficient customer service is crucial for establishing trust and satisfaction among your clientele. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX : {$20000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this dispute after submitting one on XXXX XXXX. The previous dispute was missing a key piece of information to best defend my reasons in my dispute. Take this dispute as the more updated accurate account. 

I reviewed a copy of my credit report and I noticed that there are some fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair, but they have been negligent in complying with my request. 
The accounts and inquiries listed do not belong to me and are invalid. The disputed information does not relate to any transaction made by me. A copy of my drivers license, social security card, and 3 FTC reports related to this dispute are attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft and I'm suffering punitive damages. I've mailed you multiple letters to the bureaus and companies and this hasn't been resolved. These accounts are all fraudulent and need to be removed. XXXX XXXX {$25000.00} XXXX XXXX XXXX XXXX {$10000.00}, XXXX XXXX XXXX XXXX {$26000.00}, XXXX XXXX  XXXX {$13000.00}.
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. 

Bankruptcy : # XXXX, Bankruptcy : # XXXX, Bankruptcy : # XXXX, Bankruptcy : # XXXX, Bankruptcy XXXX, Bankruptcy XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX US DEPT ED # 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: Student loan

My monthly payment is {$58.00}. Without notice, Navient changed my payment to be {$470.00}. I had to pay a {$30.00} stop payment fee as I was not prepared for such a large payment. I was able to cover it, but am not happy about it. I am changing lenders because of it.
Product: Mortgage

This is too complaint case # XXXX.I XXXX XXXX placed a complaint with you in regards to the closing escrow surplus from selling my house on XX/XX/XXXX. The amount I have due to me is {$2700.00}. I received a letter the Ditech Financial LLC. dated XX/XX/XXXX. They stated that they did transfer my funds but they have not. The money is not in my bank account. 
As to the reference in the letter from Ditech Financial, LLC about them sending out a check to me on XX/XX/XXXX to the address XXXX XXXX XXXX XXXX, XXXX, WI XXXX. I gave them my new address before they said they mailed this check out. Also if this check went out to this address I would have gotten it because this is my sister 's address. Ihave checked my on line banking account and they have not transferred my money. Now this is after Imade the complaint. I 'm still waiting for them to pay me.I have not been paid {$2700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I was notified XXXX XXXX report 30 day late in XX/XX/XXXX to credit bureaus. I contacted XXXX to get this resolved for several days from XXXX XX/XX/XXXX and submitted a dispute to Transunion on XXXX and to XXXX on XX/XX/XXXX. 

It is very difficult to speak with someone at XXXX on the mgmt team, resolutions team and the US corporate office. I have only spoken with customer service located in XXXX. I have sent several emails to resolutions team however there is no ph # to speak with a human. 


My acct was paid several months ahead periodically, the account has never been late. 

I received an email from resolutions on XX/XX/XXXX indicating the correction would be submitted to the bureaus XXXX. 

XXXX I emailed XXXX XXXX XXXX to get a status on the correction. 
I then contacted Transunion and was advised a XXXX Representative, XXXX, verified the accuracy of the late pmt on the account on XXXX. I completed a conference call with Transunion Customer Relations Supv-XXXX and XXXX Customer Service Rep-XXXX XXXX XXXX indicated that he would contact a supv and get back with me. Transunion has indicated that the creditor has the ability to update the account electronically and update on their end same day. 

XXXX never showed the XXXX account as reporting, however I rec 'd notification on XX/XX/XXXX the acct reported late in XXXX. XXXX has not received any correction request from XXXX XXXX XXXX XXXX XXXX responded back indicating that the correction was submitted on XXXX. I responded back indicating the conversation that I had yesterday with Transunion and XXXX Customer Service Rep and that I need to speak with a supervisor. I called XXXX and there is no other ph # than the one that transfers you to a Customer Service XXXX in XXXX who can not assist with this matter. This is not acceptable to have a US based company however can only speak with XXXX in XXXX and unable to speak with anyone with authority to resolve the issue. 

XXXX is showing my dispute still in process This has caused my credit scores to drop significantly and causing stress and financial hardship. Also, I did not give this creditor authorization to report this account nor transaction history to my consumer report based on USC 15 1681, USC 15 1666b