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

I have previously written one of the collections departments and furnished a letter advising XXXX XXXX I am the victim of fraud on or around the date of XX/XX/XXXX. The dates of the even are not 100 percent seeing I was not there and had no knowledge of it for almost a year.The dealership did give me a copy of the loan application. On that documentation it is obvious that the same person signed all signature lines. The name is misspelled the same way on every line and is the same handwriting for all the signature lines.It is obvious that I did not sign this loan. I have sent a letter to XXXX XXXX with copy of my signature and a loan I obtained from the same dealership 3 months prior. Which is how they could have had access to some of my information or my ex husband furnished it seeing we were in the process of separating when this occurred. I have advised XXXX XXXX of this also. The fax transmission date to the finance company is XX/XX/XXXX. It was in XX/XX/XXXX that i pulled my credit and found a loan with XXXX XXXX XXXX. I called the company advised that I had no knowledge of this loan and was fraud. I advised that I would like documentation and information that they have or original loan package. Even with this being identity theft I am still privileged to that information. I have had no assistance from this company in obtaining any loan documents or any information they have used to make a decision to not remove the file from my credit or fund the loan. Since I have no documentation on this loan it is making it harder to fight and obtain counsel to assist with damages if it is not removed off of my credit after this final attempt.
Product: Credit reporting or other personal consumer reports

I had a few accounts opend in XXXX. Under bankruptcy laws I know I need the approval for my XXXX XXXX Trustee office. They have not provided XXXX. And refused to remove this from all credit reporting agencies
Product: Debt collection

CRA VIOLATION NO KNOWLEDGE FRAUDULENT ACCOUNTS APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Product: Credit reporting

I 've made several attempts via written correspondence to TransUnion dated XXXX XXXX, XXXX and XXXX XXXX, XXXX via Certified Mail disputing the judgement by XXXX XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX who is supposed to be representing XXXX XXXX. In in my letter I 've been asking them to provide the original proper documents to verify and validate that the XXXX XXXX account had belonged to me however TransUnion had failed to properly respond to all of my requests.
Product: Prepaid card

I was given a Vanilla gift card for {$100.00} in XXXX of XXXX. The card number was unreadable, so I contacted by phone the phone number provided on the card. They provided me with a case number of XXXX. I sent them all the documents requested and was told that it would be looked into. I called three times for status and finally on XX/XX/XXXX I was told that it would take another 30 days to issue a replacement card. On XX/XX/XXXX I received the replacement card with a " XXXX '' balance. I called to activate the card and check why it showed the " XXXX '' balance. I was told that I needed to start all over again and resend the same documents I had already sent. I then contacted XXXX via their chat line and explained all that has occurred and was given lots of " I am sorry for all this you are going through etc. " This conversation went on three times and finally I was told to contact CFPB. All I want them to do is send me a new gift card with the balance of {$100.00}. They have all the information they need to do so. Thanks.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX XXXX Balance Owed : {$5000.00} XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX Balance Owed : {$780.00} XXXX XXXX XXXX Owed : {$2000.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Balance Owed : {$960.00} XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX Balance Owed : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I logged into Experian to check my credit score like I always do and as they always do they suggest a free 10 day trial for a paid membership to see all my credit scores. I selected the free trial and looked at my scores. On the same night I canceled the membership but I was still able to see the upgraded features until the trial ends. I received a cancellation email and I thought I was all set. 

On XXXX when my free trial membership was set to end I received yet another email from Experian confirming that I had cancelled and that my membership was downgraded to FREE. That same day I received a charge on my credit card from Experian. Concerned I wrote to them online asking that they remove my credit card from file. I also let them know that I had cancelled. Their response basically blamed me for not cancelling my membership on time and gave me a " one time, courtesy refund ''. I wrote back to them with screenshots that I had cancelled my membership and asked a second time for my credit card be removed from file. 

They completely ignored the cancellation proof by me, didn't acknowledge it and is refusing to remove my credit card from file citing internal policies and reassuring me that my card is protected from unauthorized use. I emailed them another time again, this time directly accusing them as the one with the unauthorized use and they have continued to refuse to remove my credit card from file. The only recourse I appear to have is to cancel my credit card which will cause me other inconveniences that I shouldn't have to endure.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX .... Balance : - XXXX XXXX XXXX XXXX XXXX XXXX. Balance : {$770.00} XXXX XXXX XXXX XXXX .... Balance : {$400.00} XXXX XXXX XXXX XXXXXXXX .... Balance : - XXXX XXXX XXXXXXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXXXXXX XXXX . Balance : {$4200.00} XXXX XXXX XXXX XXXXXXXX Balance {$1100.00} XXXX & XXXX XXXX Balance {$160.00} XXXX XXXX XXXXXXXX Balance {$4800.00}
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 confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or a 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

payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting an incorrect coding of the XXXX - account number XXXX. This account is being coded as an M2 when actually this needs to be coded as an M1. ( Please see page 3 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Debt collection

On   XXXX   XXXX   XXXX  ,  XXXX  Validation of Debt letters were sent to  Commonwealth Finance (  Amounts : {$1600.00}, {$150.00}, {$150.00} ) for a medical bill that I did not recognize from the  XXXX ,  XXXX  and  XXXX  of  XXXX . I requested validation after speaking to them on   XXXX   XXXX   at  XXXX  pm for  XXXX  minutes,  XXXX  seconds. During this call I requested validation of this debt due to not knowing anything about this debt. I simply requested a bill, itemized list or an invoice so I could verify if this debt belonged to me. I was told over the phone that they did not have any of that information, only a file from   XXXX   XXXX   XXXX  . This entire call was recorded by them and myself and notification was given that the call was being recorded by both parties. I asked for that file and they refused to acknowledge that it will be sent. They placed my account in dispute status and re-reported the  3  debts to the credit bureaus. I also filed a dispute with I sent a " Failure To Validate '' letter on   XXXX   XXXX   XXXX   due to  Commonwealth Financial  failure to send me previously requested validations of these debts. Another Validation of Debt letter was sent on    XXXX   XXXX   XXXX    regarding the other  two  amounts. During this entire time,  Commonwealth Financial  has still refused to send me any validation of these debts and according to  XXXX , is still claiming that these debts are mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a hard inquiry on my Equifax report from XXXX XXXX that was done on XX/XX/2019 that I did not do nor did I approve of. I contacted Equifax to dispute the inquiry but they told me to contact XXXX however the number provided for XXXX was not in service. I told Equifax it's fraud and would like it investigated and removed, their response was for me to contact XXXX and/or ger a police report.
Product: Credit reporting

I received my experian credit report today XXXX/XXXX/16 ... .The report is dated XXXX/XXXX/2016. My express account is still showing as accounts that are potentially negative. I immediately contacted experian to dispute this because I have supplied them with a letter staing that this account should be reporting as accounts in good standing. I spoke with the rep and was told the express account was updated on XXXX/XXXX/2016 and showing as accounts in good standing. However the report I received today shows different. I requested a new and corrected report be mailed to me and was told I have to wait till it 's updated. I am very confused as I was told the report updated on XXXX XXXX 2016 and the report I received today is date XXXX XXXX 2016 so this account should have be updated and moved to satisfactory already. I went online and it shows accounts in good standing. But I am concerned because if I apply for credit and my report is pulled it is going to show incorrect information. I was unable to receive another report. I want to see it in writing that this account is reporting as accounts that are in good standing.
Product: Credit card or prepaid card

I have a closed account showing on my credit report from XXXX XXXX that is NOT accurate. Says I opened the account in XX/XX/XXXX which I did not do. The only time I had a XXXXXXXX XXXX account was in XXXX when I was young and stupid and messed up my credit because of delinquent payment history so if I were to apply for another account, I'd be denied anyway. When I checked my credit report 2 years ago, it showed an exact duplicate account for XXXX XXXX in the amount of {$1000.00} owed. I have had contact with the company who bought that account and it was removed from my credit report. {$1000.00} was NEVER my credit limit. I do not understand what is going on or why this is happening but this information should NOT be on my credit report and I have tried to dispute this case many times and nothing is changing. If this error is not corrected and this account is not removed from my credit report within 30 days of this dispute, I will sue XXXX XXXX under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have all 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: Mortgage

In 2019 I was granted a loan modification on my home. But due to an error. My loan went to a limbo, until Coastline Capital Fund 6 , LLC, bought my loan. I discovered through an investigation that this company " cherry picks '' homeowners. I was forced to file a XXXX XXXX in order to keep my home. In the XXXX the investor did not accept my loan mod and my payments went from {$1500.00} to {$3200.00} a month, after that I was force to come up with almost {$8000.00} within 40 days. Now I'm paying attorneys to defending and once again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear, CFPB The 3 major credit bureaus - ( XXXX XXXX and Equifax. 
Are in violation of the following statute contain in the FCRA and according to advisory of my attorney and guidelines in the CFPB if the disputed items on the letter attached is not removed within 30 business day. I will be forced to evoke my rights under the FCRA, CFPB and FTC to sue your agency for specifically failing to provide the method and authenticity of the erroneous data furnished and reported. 

I demand this unauthorized data and information disputed in the attached letter be deleted/removed immediately. 


Please the sections within statute violations are as follows : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, 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. 

FCR

A 623 ( a ) of the FCRA Generally, prohibits a person from furnishing inaccurate information to a CRA. The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information. FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Addres
ses your rights to request copies of your own credit reports and associated information that appears on your credit reports. Therefor in reference to ( FCRA 611 ) to be incorrect or unverifiable. And if the disputed information can not be verified or confirmed, then it must be removed.

Regards, XXXX XXXX XXXX XXXX
Product: Checking or savings account

Im filling a complaint with the CFPB regrading capital one failure to deposit my direct deposit from my employer and other forms of income. Capital one has cited technical difficulties, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires funds to be on time. I am requesting assistance in investigating the matter to ensure my right are upheld and that I am righted for my emotional and physical pain this has brought. Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block/delete information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal accounts and an inquiry which are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent accounts and inquiry appearing on my consumer credit report. I've attached a list of of accounts in question a well as a copy of the consumer credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts or inquiry, as reported. The aforementioned accounts and inquiry, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, are the result of identity theft and fraud.
Product: Checking or savings account

There was an unauthorized transaction from the following company XXXX XXXX XXXX that posted on the XX/XX/year>, this transaction was for the amount of {$280.00} that was done on XX/XX/year>. I reached out to the bank ( Wells Fargo ) in regards to the transaction an to file a claim for the balance. The claim was later denied saying that the Merchant provided them my name. This transaction is unauthorized and do NOT recognize that merchant or the location of the transaction. 

There was also additional attempts for larger amounts from the same merchant that were denied. I even received Notifications about the transaction attempts for larger amount so that's when I decided to cancel the card. I also replaced my card as soon as I saw the Unauthorized transaction attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting an item from XXXX that should have been legally removed after 7 years. Delinquency date is XX/XX/XXXX. Every time I dispute they recertify the debt. Please see attachment from Experian. They don't even list accurate information just says 180 days past due as of XX/XX/XXXX. This debt has been past due since XX/XX/XXXX. XXXX and XXXX have removed this item from my credit reports.
Product: Checking or savings account

Chase Bank closed our checking account XX/XX/2022. when I visited Chase Bank they said I could still maintain my savings account with the amount of XXXX and we would issue a debit card for this account. After a few days when I didn't receive anything from chase bank, I went to close my bank account and the teller told me there is some system issue in closing my account and I will receive a letter. they sent me letter saying that they closed my saving account and my account is showing XXXX balance and I didn't receive any check for stated amount after that I have gone to all the branches and all time I get only one answer that we are reviewing your account and you will receive your check. I have lost my life savings and I keep calling chase bank for almost 1 year and they said you will receive check in 90 days. All the time when I call they said you will receive the check. please suggest
Product: Mortgage

case # XXXX contiued, this is the date Loan Modification was signed and finalized. 

I XXXX XXXX  XXXX is still just an authorized user on the account, Estate Of XXXX XXXX XXXX I can't ; refi and or find other options to avoid forclosure because the loan has not been fully finalized in PHH Mortgages Services and or with the XXXX County Assessor Clerk. 

PHH has me in default by 64 days, with monthly payment increase two different times, i have been paying what was on my loan modification {$880.00}, i have not been in my new Modified loan for 64 days, i am so confused, as a service connected XXXX Veteran with a family, my everyday life is a hardship, i would like to fix the problem by a mortgage deferral, forbearance without a down payment! please help me fix this situation
Product: Mortgage

I am a XXXX male attempting to buy the house that I have rented for about 8 years total. When the loan process began I was told the closing costs ( cash at closing ) should be close to about {$3400.00}. At the time I had about that much. Over time the amount needed at close got to be closer to {$6000.00}. A week or two before the XX/XX/XXXX closing date I was asked my race ( XXXX ) and then they began asking for documents they already had. For a second time I submitted all the same documents. I have screenshots of all of these. They requested a " gift '' of {$4000.00} even though I had {$5500.00} in the bank. At one point I had {$6500.00} in the bank and all I needed to close was {$5700.00}. They said they could only verify XXXX of the money that was in the bank even though I submitted paystubs as well as bank statements to show proof of the money coming in. In addition, some of the funds were a tax refund and a stimulus payment which a portion of those were taken from another account which I showed the statement from that XXXX XXXX  account to prove that as well as screenshots from the GOVERNMENT with dates to prove that was where those funds came from. I have worked as a XXXX XXXX since XXXX. They acted as if I just started my job a few months ago which is incorrect..I have been there since XX/XX/XXXX and worked for XXXX XXXX for 3 years prior as a XXXX XXXX. I feel like they should not have said " pre-qualified '' and even though I paid down all credit during the application process and my score steady dropped thru the covid season due to Quicken checking my credit multiple times and then as I am a XXXX XXXX I use my credit card over the road and pay my card off monthly ( usually ) and the score still dropped from good to fair ... that shouldn't have affected my ability to close. They claimed it was my 'verified funds ' that was stopping me. Also the appraisal was done by a market analysis and I believe {$500.00} from XXXX some information is also unfair! This house is definitely worth much more than that. But no one would know this being they never came inside.