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

I have been fighting ID THEFT for sometime now and have several fraudulent accounts reporting on my credit report. I have sent supporting documents showing this fraud, as well as FTC complaint forms. This failure to comply in deletion of these identified fraudulent accounts is a clear violation of FCRA sub sections 605b and 609.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts 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 XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$750.00}.
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 con

fidentiality under 15 USC 1681. 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: Money transfer, virtual currency, or money service

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I made a partial payment for materials and labor for basement fire proof work for my building located in XXXX IL. I live in XXXX  and the job was supposed to be done in XXXX IL. The contractor told me that he is doing the work and sent me fake photos of material and the job location. The imposter contractor did not do any of the work. The job was never started and the contractor took my money and left. I put my savings to fix this property due to building code violations and this person took advantage of me. The transaction has been made on XXXX/XXXX/2024, and I have disputed it with the bank in the amount of {$5000.00}. The bank never investigate my dispute and rejected it after a few days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I submitted credit report disputes to all three credit bureaus : XXXX, Equifax, XXXX, which were received on XX/XX/2018through certified mail.

I specifically stated in writing that the accounts listed on my report were NOT VERIFIED accounts by the creditors. I also requested WRITTEN PROOF with my signature on the ORIGINAL ALLEGED CONTRACTS that I signed with said creditors.

I have NOT been sent any information by any of the creditors submitted that I owe these debts that have been sitting on my credit destroying my chances of purchasing a home.

I received letters on XX/XX/2018 from Equifax, and XXXX.

I WAS NOT provided the information I requested, providing PROOF that the accounts belong to me. 
Which STILL leaves the accounts UNVERIFIED. As it pertains to the definition of the word.

In my letter it clearly states my rights under FCRA Section 609 a. The right to request PROOF of all accounts UNVERIFIED.

All I received was the same report, with verbage that stated that the accounts belong to me. This is unethical and illegal to not only keep accounts on my reports, but to continually state that these accounts belong to me WITHOUT PROOF of contract. Along with this, many misspellings of my name, attached to the Reports.

These companies are accepting merely, WORDS with no PROOF from companies they receive money from in order to place these accounts on my credit reports.
Product: Bank account or service

I wrote a check ( # XXXX ) for {$330.00} to Ask XXXX XXXX, XXXX, on XXXX XXXX, 2015 from my checking account with XXXX XXXX XXXX, which is based in Massachusetts. There was a delay in cashing the check and it was returned due to insufficient funds on XXXX XXXX, 2015. On XXXX XXXX, 2015, the check was redeposited and a returned check fee of {$50.00} was debited from my checking account. This was done by a collection agency associated with Citizens Bank. In addition to this fee, my bank charged me a return check fee of {$15.00} and Citizens Bank charged Ask XXXX XXXX {$20.00} as a returned check fee. That is a total of {$85.00} I paid for XXXX check returned due to insufficient funds. The check cleared when it was redeposited by the collection agency on XXXX/XXXX/2015 and the person I wrote the check to did not receive the funds into his bank account at Citizens Bank for more that XXXX days. He tried speaking with customer service at Citizens Bank yesterday, XXXX/XXXX/2015 and received no satisfaction. He reported that he was closing that bank account due to his frustrations.
Product: Mortgage

I got a loan on a home I was purchasing. They gave me a PMI. I was trying to purchase a home in a way to avoid a pmi. Then they gave me conflicting information. Now I have over XXXX in pmi charges I can't get refunded. Then my bank said I need to contact XXXX XXXX because they couldn't do anything with out their permission. When I called XXXX  they said I could get a refund because there is not an account to give it from.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX continue to report that I owe a debt that I do not. This alleged debt has been paid since day one by the note that is being used. The credit bureaus knows this but are paid by XXXX XXXX to furnish this information. The credit bureaus also sells my information to other businesses this puts me at risk of identity theft and other cyber attacks. Furthermore the credit bureaus are not allowed to furnish anything I have note validated or verified as accurate as this is my consumer report that they are furnishing.
Product: Credit reporting

The original disputes for these accounts were sent out XXXX XXXX, XXXX. The first correspondence from your company stated you reviewed documentation and determined you were not able to use it to make a determination for changes or deletions XXXX XXXX, XXXX. See Attached. Documentation in all disputes contained credit report with account in question circled and letter detailing issue related to it. See Attached. All of these accounts were sent seperately by certified mail on the same day. See Attached. Your correspondence letter indicated all accounts disputed had projected completion dates of XX/XX/XXXX and XX/XX/XXXX, respectively. See Attached. Results from investigations were dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX included : XXXX XXXX, XXXX XXXX, Chapter XXXX Bankruptcy Accounts, and XXXX XXXX XXXX. See Attached. 

On XXXX XXXX, XXXX you were sent a certified letter as a followup to the investigation results. See Attached. This letter requested a method of verification for each account verified and notice to delete all accounts not investigated within 30 days. See Attached. On XXXX XXXX, XXXX, I received documents dated XXXX XXXX, XXXX providing additional results for XXXX, XXXX XXXX XXXX and uncompleted XXXX projection date. See Attached. As a result these accounts were not investigated timely. Whether this late response attempts to circumvent the rule, nevertheless it is ineffective due to sufficient record keeping by customer. One further note, after contacting the US Bkpt Ct Ga XXXX concerning accounts # XXXX ; XXXX ; XXXX ; and XXXX, at ( XXXX ) XXXX XXXX no debt validation or otherwise took place as reported by your results. Customer seeks compliance to these enforceable rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.
Product: Debt collection

This company is breaking the law by failing to provide validation details as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, theyve added a collection to my credit report. This company is infringing on my consumer rights by misleading, false and descriptive tactics. Ive already tried to resolve these issues directly with them, but they continue to violate my rights. For each violation listed, I am entitled to {$1000.00} .They must either compensate me or remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed XXXX to Transunion, XXXX & XXXX XXXX have XXXX XXXX XXXX off my credit report alone with the address XXXX XXXX XXXX XXXX La XXXX which XXXX XXXX, there is fraud alerts placed on each bureau still no changes & it 's affecting me. Can you please investigate and have this removed from all XXXX credit bureaus.
Product: Credit reporting or other personal consumer reports

They reported wrongful information about dismissed bankruptcy on my credit report and I asked them where they got this wrongful information from? They said the court house provided them the information, but the court house said they never shared any information with any credit report agencies which Im uploading the letter from the court house
Product: Credit card or prepaid card

Today I receive an email stating that an account have been approved and opened with Wells Fargo that I did apply for. The following email was a change of information to an unknown email. I immediately called Wells Fargo to freeze the account and make a fraud account. They informed me that an account had been opened, but I would need to do inside a branch to receive detailed information of activity. I then locked my credit report with all 3 major bureaus.
Product: Mortgage

On XX/XX/XXXX my house was struck by lightening and hail that seriously damaged my roof, sidings, ceilings and electrical components of my air condition unit. I filed a claim the same day with the insurance company ( XXXX XXXX XXXX ). It took till XX/XX/XXXX for the insurance company to send a check of {$11000.00} as their final offer made payable to my mortgage company XXXX Midland Mortgage XXXX. Midland sent me the check on XX/XX/XXXX to endorse which I did the following day and sent back to them. My XXXX estimate was {$12000.00} after shopping around was the lowest with same warrantee. I have fixed the air condition at cost of {$4800.00} with my own money because I could no longer wait for them due to the heat.I continued to call and write midland mortgage for the insurance check, they will tell me bring this document next time another, eventually XX/XX/XXXX they acknowledged that all documents are complete. It took till XX/XX/XXXX to send me {$2800.00} after many calls and emails to start work which the XXXX refused as inadequate to do anything. I contacted Midland and they told the XXXX to send payment schedule which he did XXXX start XX/XX/XXXX - XX/XX/XXXX XXXX half at start and balance at finish. As at today XX/XX/XXXX, I have not received a dime, I call and send email every other day, is XXXX excuse after the other. I can not get a reason why they are holding the money but I am paying {$2000.00} a month. At this point my roof is about to collapse and the hurricane wind in XXXX did not help. When I ask to speak to a supervisor they will put me on hold and the same person comes back and claim to be a supervisor that is when I started to record them which I informed them but that did not stop the shady practice. I bought this house XXXX years ago, the horror I have had with midland mortgage is beyond XXXX dishonesty and deceit is almost criminal at best.They never acknowledge or respond to letters that is why I only send emails for documentation.I paid for the insurance and I am not asking for a hand out plus they are not paying interest on the money.When I contacted XXXX Adjusting, they told me there is nothing they can do for me and would not give clear reason why they send the check to XXXX mortgage except that is there contract with XXXX XXXX want my house to habitable before XXXX XXXX XXXX enforcement unit steps in which will be troublesome.
Product: Credit card or prepaid card

I have an account with Barclays Bank XXXX extra points reward credit card. This card was issued to me a couple of years ago knowing that i had a BK back in XX/XX/2009. I just received a letter from them stating that because of this they have lowered the available credit limit by XXXX. They arbitrarily did this by running a new credit report and seeing that i had other accounts with balances however they cited the first reason for lowering the credit line was that i had a public record file from XX/XX/2009 which they already knew when they issued the card! 

In addition to this i have NO late payments with them and always pay MORE than the minimum due. I spoke to customer service with a XXXX who said that they didn't like how many outstanding accounts i had and decided to lower the credit line. In doing this by cutting down the available credit availability they are damaging my FICO score by increasing the amount percentage of utilization by lowering the available credit line that they established. This is a completely unfair practice given my payment history with them.
Product: Mortgage

I have tried to apply to refinance my mortgage with sofi twice. The first time the mortgage officer, XXXX XXXX placed me in a single family mortgage type, no points, and closing in XXXX. After two weeks of waiting XXXX informs me my house is deemed a multi unit by sofi and now I have to pay points or have a higher interest rate. I decline the offer from sofi as the points and higher rate did not make financial sense to refinance. Rates dropped again and I tried to refinance a second time with sofi. During the application process the website does not indicate multi family, therefore, I picked condo. XXXX doesnt contact me but I get an email from sofi that my docs are ready to sign yet nobody has contacted me and the information within wasnt accurate. I contact XXXX via email and was informed 3 days later that Im required to sign docs that I didnt agree to and arent accurate, and that I have to sign them before he can update them. I dont sign them as Im not signing legal documents that are inaccurate. He calls me, I email him letting him know that just like him Im working and XXXX either need to call me after XXXX cst or book time with me. I hear back that XXXX be out of the office the following day. I waited 5 more days, nothing from XXXX before then, and then a random phone call that my docs have been updated, but I havent spoken to him or agreed to anything. I email him and he sends me a screen print of one interest rate, apr and points over {$1000.00}, but thats my only choice. I reply that he doesnt get to pick a rate for me and that he either needs to call after XXXX cst or schedule time. Two more days, he calls before XXXX, I call him back, he calls me back, and After 2 mins is yelling at me when he informs me Ive picked the wrong product type, im in a multi unit, the website isnt confusing or deceptive and my product type is listed online. I hang up as he will not yell at me, I get screen prints of their website, email him, he sends an apology email telling me that Im confused, and proceeds to tell me to pick a 2 unit online even though he has referred to my product type as multi unit in both instances. Sofi website only states 4 product types for mortgage refinance ; 1 ) single family residence detached, 2 ) condo, 3 ) 2 unit, and 4 ) pud. There is not multi unit. Sofi is trying to increase their revenue stream by forcing consumers to pay points fees by deceptive practices of not defined product types, only providing a screen print of one rate, and yelling at consumers to bully them into their product types. This is not acceptable behavior.
Product: Credit reporting or other personal consumer reports

i have submitted disputes to you and i didnt get response within XXXX  days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$2100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 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 15 U.S.C 1681a 2 ( A ) ( i ) : excludes information that is solely based on transactions or experiences between the consumer and the creditor.
Product: Checking or savings account

I got an email on XX/XX/16 at XXXX pm saying I opened up an account with Citizens Quest Checking. However I never opened such an account, I called and Citizens was very helpful. They closed the account & are going through the proper channels to get this resolved. I feel like my info was leaked on either XXXX XXXX or XXXX because as soon as I opened an account with them, this happened.
Product: Money transfer, virtual currency, or money service

My relative 's XXXX account was hacked on XX/XX/XXXX. This account has not been recovered ( as of XX/XX/XXXX ) and the hacker is still attempting to use it to request money through XXXX. My cousin and I have sent money to each other in the past year. The hacker who stole his identity has a network of criminals with accounts in the XXXX XXXX  who participate in XXXX. The hacker sent me a XXXX on XX/XX/XXXX at XXXX XXXX  requesting money via XXXX and provided the email and name XXXX, XXXX XXXX. I tried to call my relative ( not knowing the account was stolen ) and he responded via text that the email connection was bad. I was asked to deposit in this XXXX account twice within minutes, I did deposit {$550.00} and then {$1000.00}, and a third amount was requested but by that point, I was suspicious because this had been done via texts and not voicemail. I attempted to cancel the transfers but they went through very fast. On the morning of XX/XX/XXXX, I contacted the fraud department of Wells Fargo XXXX and explained that these two transfers were push authorization payments obtained through fraud by a criminal who had hacked into a XXXX  account, therefore unauthorized ( Federal Reserve Board Reg E ). On XX/XX/XXXX ( date on letters ) Wells Fargo sent two letters ( one per claim ) stating they had received my claims and on the same day, they wrote two letters explaining that my claims had been denied because they determined the transfers were completed as requested by me. So Wells Fargo knows what financial institution and what account my money went to ( the XXXX XXXX  account of XXXX ). The fact that this transfer was completed as a result of identity theft was not taken into account. They have not even reported XXXX XXXX 's email address XXXX as a person in a chain of scams and fraud in what appears to be an international hacking operation. My bank seems to be protecting these criminals more than protecting me. I have filed a report with the FBI and the Federal Trade Commission and also with the State of NM Office of the Attorney General ( they have called me and guided me through several steps ). As a US citizen, I am concerned that this XXXX  hacker targeting US Bank account holders who have relatives abroad can continue to hack and steal via his chain of criminals with bank accounts linked to XXXX. Wells Fargo is not even flagging the account used to steal my money and has not provided me with any information about the owner of the account. I know nothing has been done because I can add the hackers account to my XXXX and it is still viable and there is no warning about the XXXX accounts connection to a crime. I have already called the FDIC at XXXX ( who has also provided guidance. )
Product: Debt collection

I have never received a letter providing notice of dept collection. I have never received any phone call in regard to this dept collection. I have no idea what this is about despite my attempts to gain additional information. 

Simon 's Agency did remove this negative note from XXXX XXXX and XXXX, but NOT XXXX. 

I have excellent credit and do not want this on ANY of my records and kindly request that this incorrect dept be removed from ALL THREE credit agencies.
Product: Checking or savings account

I spoke with Chime XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX in regards to my missing money. Each representative states that they can agree 100 % my money just vanished they have said they researched every possible error that could have occurred or a explanation but they are not sure where other then a glitch. They put supervisors on the phone and they tell me the same thing with no explanation on where my funds went or give it back to me or they continue to put me on hold every 3 minutes and then hang up. They keep saying they will escalate the call but have been doing this since Thursday, my rent will not wait because my money is missing out of a banks hands. Sometimes they are telling me I had a balance owed on my credit builder however I received a email XX/XX/XXXX stating my balance to credit builder was paid off.
Product: Checking or savings account

Opening an checking account with XXXX that I currently have had for 13 years and they denied me for 1 ) too many deposit sent back and 2 ) bad banking relationship. 
Im currently with good standing wuth my current banks and never had any complaint. I called and they said to call XXXX I called XXXX they said to call early warning and neither could tell me what was going on
Product: Credit reporting or other personal consumer reports

I have been making requests to further investigate the accounts referenced in the attached letter for the last 6 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.