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

Frauding scams using my documents of XXXX county Indiana of Michigan XXXX Indiana of XXXX XXXX Hospital of XX/XX/XXXX Frauding scams frauding my parents documents of XXXX XXXX XXXX XXXX XXXX XXXX ( who is decest ) Fraud scams frauding using XXXX Frauding death record of XXXX XXXX XXXX XXXX of XXXX county Indiana Frauding scams frauding using using XXXX XXXX XXXX XXXX documents of XXXX county Indiana Frauding scams frauding my birth certificate long form of XXXX XXXX XXXX and XXXX XXXX of XXXX XXXX Hospital of XXXX XXXX Indiana of XX/XX/XXXX Frauding scams using my immazation record of XXXX   XXXX of XXXX county Indiana which ran through 10 States schools Frauding scams frauding my documents of Grandma of XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX Indiana. She was a XXXX XXXX retiree Frauding scams frauding her 4th husband of XXXX XXXX of Michigan State he was a XXXX XXXX retiree Frauding scams frauding my great great grandparents death record 's of. XXXX XXXX married to XXXX XXXX of Sir name XXXX Frauding scams frauding her parents of my 3 time 's great grandma and grandfather who are decest. 

Frauding scams using XXXX XXXX who was married to XXXX XXXX serial numbers death record 's. 

Frauding scams using using XXXX frauding XXXX Anothney Hospital  of of XXXX XXXX Indiana who was the head of XXXX XXXX Hospital as an XXXX XXXX.. 

Fraud scams using XXXX Frauding scams using business permits Frauding scams using my XXXX  school documents of XXXX XXXX XXXX school of  XXXX county Indiana Fraud scams using my grade school documents of XXXX XXXX  School of XXXX XXXX Indiana as others States land development Frauding scams using XXXX Indiana and Texas XXXX Frauding scams using XXXX XXXX XXXX School as XXXX XXXX   Frauding scams using my documents of XXXX XXXX XXXX as XXXX towns Frauding scams using XXXX XXXX  and XXXX XXXX   Frauding scams using scams using auto stores and medical fraud scams using construction crews Frauding scams frauding 50 states wide Frauding scams using fashion related Frauding scams subdivision sinage Frauding scams frauding my documents and shopping malls Frauding scams using XXXX XXXX Frauding scams frauding my documents as lawyers and judges and attorneys and law partners Frauding scams frauding my documents as adult entertainment scams Frauding scams using my documents as semi truck and send trucks companies 50 states groceries stores retailers store 's products and diner resterant franchises tore in to many documents Federal not interested in 65 percent of USA federal date block over land development areas talking in my documents. 

Frauding scams using many XXXX frauding XXXX XXXX and using business Others also frauded using XXXX XXXX school using XXXX  Frauding scams using using streets and hwys sinage  Frauding scams using dictionary companies and XXXX XXXX Frauding scams frauding XXXX Indiana Frauding scams using XXXX Frauding scams using dump trucks
Product: Credit reporting, credit repair services, or other personal consumer reports

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 shall ( i ) 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 XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX
Product: Checking or savings account

I filed a dispute for a charge in early XXXX XXXX XXXX with my bank. Following my dispute, they provided me with temporary credit for the amount that was charged. A few weeks later, they denied the dispute and reversed the credit that was given to me, which made my account go negative once the credit was taken back. I disagreed with their denial, so I filed an appeal/rebuttal, so they can take a closer look at my dispute. I filed the appeal on XX/XX/year>. I have been waiting to hear something back from the bank for almost XXXX MONTHS. In the meantime, I have been calling nonstop to see if theres an answer and I havent heard anything. I was also worried that in order to reverse my negative balance on the account, the bank would try to withdraw from my savings account, in order to zero out the balance on my checking account. I had this concern back in XXXX and I asked the customer service representative, and they assured me that nothing will be withdrawn from my savings account, since that is not the account on file for the dispute. To my absolute shock, I found today, the bank withdrew {$330.00} from my savings account in order to fix the negative balance on my checking ; after the customer service rep explicitly told me this would not happen. Absolutely unsure of what to do now, as this is evidently the most incompetent level of work I have ever seen in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent my letter off on XX/XX/2023 and I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Confirmation # XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors. friends. or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX is reporting, consumer dispute 90 days late /closed. Instead of paid off.
Product: Mortgage

I was driving home from an appointment, I did not catch the name of the gentleman who called me. At XXXX, from supreme lending, I informed him I was going thru XXXX XXXX, and no he couldnt beat the deal they gave me. About XXXX XXXX I received a text from my loan officer that someone had called her claiming to be me. As she has known me for 15 years and we had just spoken an hour earlier she knew it wasnt me and told them so and they hung up. The call I received was from XXXX, I know this is a routed number. My loan officer received a phone call from XXXX. Which I have saved in my phone from another supreme lending guy named XXXX who I was first working with n told me to save that number in my phone. When I called the number I was told it was XXXX  XXXX, but Since I have the phone number saved in my phone I highly doubt it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is incorrectly reporting an account under the name " XXXX XXXX '' for the amount of {$17000.00} to my credit. The account number on my report is " XXXX '' with an open date of XX/XX/XXXX. I have never made business with this bank so I do n't understand why such a large past due amount is being reported on my Equifax file. I have filed disputes since XX/XX/XXXX to get this account deleted but Equifax has disregarded my disputes as frivolous and turned them away. I do n't understand how this is possible. XXXX and XXXX are not even reporting this information to my credit so this does not make any sense. In one of Equifax 's letters, a contact number was provided for this bank so I have called and spoken to their representatives more than once. My personal information does not match the details they have for the account. Something is clearly wrong and I need this to be addressed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize nor benefit from any of the following inquiries. I want them blocked and removed. 
1. Experian Business Credit XX/XX/2022 2. XXXX XX/XX/2022 3. XXXX XXXX XXXX XXXX XX/XX/2022 4. XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on multiple accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX Balance : {$800.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX Balance : {$970.00} XXXX  XXXX Balance : {$620000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1800.00}
Product: Credit reporting or other personal consumer reports

Equifax has not performed a proper investigation because it would be impossible for the account to be verified as accurate when there are clearly so many mismatched data points. You have violated my rights under the FCRA. In XX/XX/year>, I spoke with a supervisor in your consumer affairs department and was told it doesnt matter what information I send as proof of inaccuracy because whatever the furnishing company verifies is sufficient and falls within the internal policies that Equifax has in place. Refusing to follow federal law and using secret internal laws that your company will not disclose is a direct violation. Simply matching a name, address, ss #, dob, ID # etc. is not proper verification. 15 U.S. Code 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c ( Requirements relating to information contained in consumer reports ) of this title. That same section gives specific meaning of an investigative report and these steps have not been taken to assure the law is being held at the highest standard.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNBELIEVABLE that I need to pay the three credit bureaus to freeze my credit when it was XXXX  who was incredibly irresponsible with my information in the first place. Now they profit from their own negligence. 

Credit freezing, and PERMANENT FREEZES, need to be provided by all three credit bureaus for FREE. Not for a charge, and not for a fixed amount of time. 

It should n't require a police report to be able to request a long-term freeze without paying a recurring fee. 

Also, all three bureaus are heavily pushing their rip-off credit monitoring services. TransUnion is making their credit freeze sites so confusing, uninformed consumers will probably be paying for their credit monitoring service, not a freeze. Where is the oversight? Where is the accountability? 

Step up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an Affidavit of Truth and an Invoice to Credit Control LLC, here is the tracking # XXXX. I also sent an Affidavit and an Invoice to XXXX XXXX XXXX XXXX XXXX XXXX tracking number $ XXXX and XXXX XXXX XXXX XXXX XXXX, tracking number # XXXX They have not paid out the invoices and had the negative items deleted from my credit report. These companies have violated 15 USC 1692. ( C ) ( A ). 15 USC 1692K, 15 USC 1692. ( B ) ( 2 )., 15 USC 1692. ( B ) ( 5 )., 15 USC 1692 ( D ) ( 2 )., 15 USC 1692 G ( A ), 15 USC 1692 ( B ) ( 4 ), 15 USC 1692 C ( 1 ), 15 USC 1692 ( E ) ( 1 ), 15 USC 1692 ( F ) ( 8 ) ( 8 ) 15 USC 1692 ( D ) ( 5 ). Based on these laws I can collect these damgages15 USC 1692K. Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of, any actual damage sustained by such person as a result of such failure : in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. 

Theses companies have reserves multiple invoices under the same tracking numbers.
Product: Checking or savings account

My {$5400.00} XXXX rent check was stolen from the mail and fraudulently cashed with XXXX XXXX XXXXXXXX. On XX/XX/XXXX I filed a fraud affidavit with chase and was told it would take XXXX days to resolve the issue. It has now been almost 150 days and I still do not have my money back in my account. I was told that XXXX XXXX XXXXXXXX had finished their investigation and that they had mailed me a cashiers check on XX/XX/20. I didn't receive the check so I called chase again and they said the cashiers check was being sent to them and they would deposit it in to my account. I called again today, XXXX, and now I am being told again that the check was sent to me. It has been over XXXX weeks since the check was supposedly mailed by XXXX XXXX XXXXXXXX, and I do not have the check and Chase does not have the check. Chase does not seem to have any solutions to finding the missing cashiers check. I have waited almost 5 months and I still don't have my money back. Meanwhile the bank is earning interest on my money every day that they keep the funds from me. There must be some sort of law that protects me. I would like my {$5400.00} to be returned to me immediately. Chase has no financial incentive to find this missing cashiers check since they won't return my funds and they don't care how long I have to wait for it. The Case number with Chase is XXXX and the case number with Bank XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Company 1 : XXXX XXXX XXXX XXXX date : XX/XX/2020 Company 2 : XXXX XXXX XXXXk In accordance with the fair credit reporting act. The creditor has violated my right 's. Under 15usc 1681, section 602 states that i have the right to privacy. 15usc 1681 section 604, section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666 B, a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed some errors on my credit report with XXXX and XXXX. I did so via postal-mail in a letter that I mailed to them on XX/XX/XXXX. I was supposed to get a reply within 30 days. To date, I have received no responses.
Product: Mortgage

My wife and I closed on a 30 year fixed rate conventional mortgage on a second home on XX/XX/2022. The mortgage company the provided the loan was Primary Residentional Mortgage Inc. This part went off without a hitch. 
We received a letter from XXXX dated XX/XX/2022 that servicing of our mortgage was being transferred to XXXX  and that payments beginning XX/XX/2022, which was the due date of our first payment, would be with XXXX. We expected to receive a welcome letter from XXXX with information about making payments on our mortgage to them. We have not received any communication from XXXX as of XX/XX/2022. 
In late XXXX, not having received communication from XXXX, we attempted to contact XXXX to get instructions on making our first mortgage payment. The XXXX customer service number provided in the XX/XX/XXXX communication from XXXX was no longer in service. So we contacted XXXX customer service to ask what to do. XXXX stated that they could not accept mortgage payments because XXXX was now responsible for the loan. But XXXX did provide an updated customer service number for XXXX. We used the updated number to contact XXXX. XXXX  customer service tried looking up loan information by both my social security number and my wife 's social security number, but found no loans associated with us and told us they could not help us. 
Not wanting to become delinquent on our mortgage, we mailed a check for our payment amount to the XXXX  Payment Processing address provided in the XX/XX/XXXX letter from XXXX along with the XX/XX/XXXX payment coupon to XXXX that we received at closing. We assumed that XXXX would be able to correlate the property address on the coupon and our names to the correct account. However, as of XX/XX/XXXX, the check has not been cashed. 
We again contacted XXXX customer service on XX/XX/XXXX to discuss the check not being cashed and any updates on our loan transfer. XXXX  customer service again indicated they did not have any information on our loan and could not help us. 
I sent an email on XX/XX/XXXX to our XXXX loan officer that we worked with originally to request inputs from him on how to proceed. No response yet from our loan officer. 
We are very concerned that something has gone wrong in the loan transfer process and that when it gets sorted out we will be accused of being late on our mortgage payments, be put into default status and our credit rating affected. We are looking for any possible assistance to get this problem cleared up and to document that we have been diligent on attempting to make the payments that we owe on this mortgage. 
Thank you in advance for any assistance that can be provided.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the unauthorized access and handling of my credit information by the entities listed below. In accordance with the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681, consumers are entitled to privacy and confidentiality in the handling of their personal credit information. Consumer reports may only be accessed for permissible purposes, such as evaluating creditworthiness for a legitimate credit transaction initiated by the consumer.

As the lawful owner of my credit information, I assert that any entity seeking access must do so with explicit authorization and solely for permissible purposes. The following entities have violated my federally protected consumer rights by improperly accessing my credit reports : XXXX XXXX  XXXX ; XXXX ; XXXX ; XXXX XXXX ; SYNCB/XXXX  ; XXXX XXXX Under 15 U.S.C. 1681b, no consumer reporting agency may furnish a consumer report without my explicit written consent. Furthermore, 15 U.S.C. 1681e mandates that consumer reporting agencies maintain reasonable procedures to ensure that credit reports are accessed only for legitimate and permissible purposes. The lack of compliance by these entities constitutes a breach of federal law.

Additionally, any negative items reported on my credit file by these entities must be immediately deleted from XXXX. The handling of my personal information by these companies may also constitute a violation of the Privacy Act, which requires that personal data be accessed and used only for legitimate and authorized purposes. 

The resulting inquiries and unauthorized access have caused significant harm to my family and me, including emotional distress and damage to my financial reputation. I respectfully request that this matter be investigated promptly and that all unauthorized inquiries and associated negative items be removed from my credit reports. 

Thank you for your attention to this matter. I appreciate your efforts in ensuring that my rights under federal law are upheld. Please feel free to contact me
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that the disputed account gets corrected. 


Please Validate this reporting account : XXXX XXXX XXXX Balance : {$0.00} This will serve as a follow up complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent a factual dispute to bureau, they sent a letter back stating account was updated but was their was no updated information. My FCRA rights were violated because the data furnisher is to report all the same information to credit bureaus and there are inaccuracies across all three.
Product: Checking or savings account

I deposited a check on XX/XX/2023 of the amount {$15000.00} and Capital One closed my account without my knowledge and did not inform me about an investigation or call to ask me any questions. The fund passed the fraud check and they never released the money to me and are still holding it back from me. I have requested to get my funds multiple time and still have not received them. I will get my lawyer involved if my funds are not sent out. My account is now closed and they are not allowing access to already verified money.
Product: Student loan

I have XXXX loans handled by Navient. When I submitted an income driven repayment application in XX/XX/XXXX, they acknowledged that they had received it. ( XXXX, which has another loan of mine, acknowledged it, too, and I had not issues with them. ) However, they continued to bill me for a huge amount of money saying that the paperwork was being " processed. '' Eventually, I was required to submit additional information that I had already submitted with a subsequent delay until a time came when I just stayed on the phone with them for over an hour making them figure it out. They apologized and said that I owed them nothing. However, they apparently were accruing late fees that they did n't tell me about and now are saying that I Have to pay more than {$300.00} in late fees, some of which they claim were on my account from XX/XX/XXXX when I was in XXXX school full time and had a deferral. They will not help me on the phone other than to say they will " review '' it. They are charging me more than double what XXXX is on my current income driven payment plan, even though my loan amount is half at Navient. I feel like they are purposefully engaging in unethical activity in order to try to get more money out of me than is fair. I am perfectly willing to pay the money I owe and do n't even care that my monthly payment is higher at Navient than at XXXX. What I care about is that they are unfairly penalizing me for issues that are their fault not mine. They have been uniformly difficult to deal with and have had " hidden costs '' that feel like they are trying to trick me into paying more than I should.
Product: Credit reporting

There is an address for Arizona I do not not have I ever lived there.
Product: Credit reporting, credit repair services, or other personal consumer reports

i paid my account in full with money lion and XXXX finance. i would like for those two companies to have the credit bureaus delete the account information from my credit report. for some reason on XXXX and i believe on XXXX, the accounts are still showing on there after i paid them off.