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

I am writing to express my deep frustration and concern regarding the recent disputes I have initiated with the three  agencys. I have requested both disputed information and information used to verify the accounts on my credit report from all three credit bureaus. However, I have encountered a troubling issue in this process. 

Each of the bureaus has informed me that they do not conduct investigations themselves. Instead, they rely on the information provided by the companies being disputed to determine the accuracy of the reported data. This approach has left me unable to obtain any tangible proof of the disputed items, which, as per the Fair Credit Reporting Act ( FCRA ), requires a full and complete investigation. 

Furthermore, after sending letters to all three bureaus in an attempt to exercise my rights to dispute, I have encountered further obstacles. XXXX, in particular, has rejected my dispute letter and returned it to me. Moreover, I have found myself denied access to my credit report altogether. 

I am deeply concerned that these actions by your agency may not only be a violation of the FCRA but also a breach of my rights as a consumer. I urge them to address these issues promptly and provide a transparent and comprehensive process for credit report disputes, in line with the legal obligations outlined in the FCRA. 

I request that they investigate the disputed items on my credit report thoroughly and provide the necessary documentation to support your findings. Additionally, I kindly ask that they rectify the situation that has led to the denial of my rights to dispute and access my credit report. 

Please treat this matter with the utmost urgency, as it has significant implications for my financial well-being. I expect a prompt response detailing the steps they will take to resolve these concerns and ensure compliance with the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX XXXX XXXX is depriving me of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization or consent to nonaffiliated third parties, including but not limited to EQUIFAX by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting or other personal consumer reports

They never provide any information provided to them that proves a account actually granted to me. Once again! XXXX XXXX gave someone a phone and services using my identity in New York. I never lived in New York or opened any accounts in New York but XXXX is saying I did but will not provide any proof that it was me. Instead of removing the account from my credit profile, they just closed the account and is still trying to say it is my debt. If it really was my account I'm sure they would have left the account open on collections. I have submitted numerous copies of my passport and driver 's license but it seems like they do not care because they send me emails asking for the same things sent to them. It is like I'm going on circles with Equifax XXXX and XXXX
Product: Payday loan, title loan, or personal loan

Dear Sir or Madam : I was initially approved for a loan on XX/XX/2019. The funds supposed to have been deposited to my account in 24 hours. They were not. I informed the company. Following this dispute, they voided out the initial loan and reissued a new one on XX/XX/2019. This second loan 's funds were supposed to be distributed by XX/XX/2019. The funds were never deposited into my account. I called the company. They informed me that they were working on it and the funds should have made it to my account by Friday, XX/XX/2019. I called back on Friday and asked for a cancellation of this loan, they have refused based on the premise that the funds are in transfer. I sent a written statement and attached images to show as of XX/XX/2019 that the funds have never been deposited. This company has had me to sign a contract and I never received the funds for the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not updated my Credit report and score in XXXX. A lot of the information is incorrect. I have made multiple attempts to reach out to Experian I was rerouted to the automated system each time. Experian automatic system does not help with any questions, it only gives you the website to file a dispute. If my credit report and score with Experian would have been updated monthly like it suppose to be, I would have received the business loan I applied for.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you 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 XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion after I purchased a credit report with XXXX  on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE accounts on my personal profile ; I noticed that there were CHARGE OFF accounts on my credit report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was 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 information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Transunion not blocking these accounts are inadvertently resulting in me being extorted.
Product: Debt collection

I am writing to formally request the removal of unauthorized inquiries from my credit report. Below is a list of the unauthorized inquiries that I am referring to : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As per the provisions of the Fair Credit Reporting Act, I respectfully request you to conduct an investigation into my claim. If after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined above. Furthermore, I request that you send a corrected copy of my credit profile to the above-listed address. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
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. I told the XXXX, Transunion, and XXXX to reinvestigate this account : XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, they have 5 inaccurate late payments reported, and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 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 an 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. Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the company because I saw that multiple credit reporting agencies fraudulently obtained my information and fraudulently accessed my consumer reports and made entries to my reports. I also reached out to the Consumer Financial Protection Bureau, because pursuant 16 CFR 313, the Bureau must enforce Federal Law. I OPTED OUT, pursuant to 15 USC 6802, 12 CFR 1016.1, also making them aware of the violations committed against me were in violation of the Gramm Leach Bliley Act. The purpose of 12 CFR 1016.1, as disclosed by the congress, governs the treatment of nonpublic personal information about consumers by the financial institutions, that they listed.

I also informed all consumer reporting agencies of them violating my privacy, pursuant to The Privacy Act of 1974, 5 USC 552a. Part b of 5 USC 552, states the conditions of disclosure, " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.

In accordance with the FCRA, 15 USC 1681 section 602, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX, Experian, XXXX, XXXX  and XXXX XXXX  are consumer reporting agencies, and I am the consumer, to whom these consumer reports relates to. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX are all financial institutions as defined in 15 USC 1681 section 604. None of these companies had my permission to disclose my personal nonpublic information, verbal nor written consent was supplied by me to these companies. XXXX, Experian, XXXX, XXXX, and the companies listed above, verbal, non-verbal, written, implied or otherwise is revoked, pursuant to 15 USC 6802 ( b ) ( c ). 

Experian, XXXX, XXXX XXXX and XXXX XXXX, are also in violation of 15 USC 1681C ( a ) ( 5 ), which 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 XXXX years. 

The admissions of the XXXX XXXX XXXXXXXX and XXXX XXXX in my consumer file are violations of Federal Law, pursuant to 20 USC 1232g ( b ). The Family Educational Rights and Privacy Act is a federal law enacted to protect the privacy of student education records. FERPA protects public and private school records.
Product: Mortgage

In XXXX I had severe hail damage to my residence. Select Portfolio had placed hazard insurance on the property through XXXX XXXX XXXX XXXX. Because of financial restraints I did not have the funds needed to go along with payment of repairs. Finally in XXXX I was able to complete the repairs. I contacted a roofing company and had the correct paperwork drafted and signed and submitted the paperwork through XXXX. I submitted the required documents and resubmitted documents that had errors on them. I was assigned an insurance claim check tracking number initially of XXXX. After submitting the proper paperwork, an initial check in the amount of {$1900.00} was sent to me. The check had my name and the name of the roofing company on it. I endorsed the check and gave it to the roofer. The roofer completed 50 % of the repairs as stipulated by the terms of the claim which required the replacement of the roof. The other remaining work that needs to be completed is siding replacement. As instructed by the roofer, I contacted XXXX and spoke with a representative to request an inspection. This is when the runaround began as the representative that I spoke with said that they ( Select Portfolio Servicing ) had no record of the check ever being received. For over a month I have been calling and speaking to several people to get a understanding of what was going on. On XX/XX/XXXX I spoke with someone by the name of XXXX. This representative stated that Select Portfolio decided to apply the funds from the insurance claim to my mortgage account because they had not heard from me. I was also informed that a check for the amount of {$1800.00} was sent to someone named XXXX XXXX. This person never did any repairs to the home. I have had to file bankruptcy and of all the paperwork that I recall seeing 'does not show any indication of the application of insurance funds for my damaged home to my account. My current bankruptcy status includes me making payments for all delinquent amounts as they relate to my mortgage.
Product: Debt collection

long time ago I have opened bank acc in XXXX bank, this is not my transaction or order, somebody use my card info for take money from my acc after I do closed this acc with no more use and my interest, now I see this collection in my cred report - I make dispute, but bank no responde me nothing,XXXX bank no ha have good service for customers! I want pay this collection, against this is not my transaction
Product: Checking or savings account

On XX/XX/2023, I received a letter, dated XX/XX/2023, from Chase bank regarding my account being flagged for fraud after digital depositing a {$2400.00} check from XXXX XXXX XXXX from my step mothers life insurance policy. 

The first call they asked for me to provide the number for the issuer, in which they werent able to get a response. We tried again on XX/XX/XXXX, in which the fraud department representative did get verification from the issuer and verbally told me that the Check has been cleared and account has been taken off hold. Later that evening I checked my account to find all of my funds have been taken out of my account. The following day, XX/XX/XXXX, I called regarding why my account was closed and they explained that according to their notes the previous days conversation never happened, they failed to collect funds, and didnt have any picture evidence of the check being deposited even though the pictures were attached to the deposit on my account before it closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a collection account for XXXX  that was opened in 2019 this account is not mine and I have disputed and requested verification that it belongs to me. They do not verify and continue to report and change information. I had disputed with experian and they had deleted it and then XXXX XXXX reported again as past due. They have not sent any bill and continue to not verify this debt. Experian also does not investigate and validates the debt in less than a day. Indicating absolutely no investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX Systems provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Mortgage

I attempted to make a payment on my primary mortgage with RoundPoint Mortgage on the week of XX/XX/XXXX. The payment did not go through and noticed this on XX/XX/XXXX when reviewing financials and rushed to make a payment once I found out the payment didn't actually go through. At that time I did not receive notice of a late charge added to my account. 

On the week XX/XX/XXXX, I attempted to make the payment for XXXX. This time, I noticed the payment didn't go through again sooner and on Thursday XX/XX/XXXX, made the full mortgage payment. 

When I logged in to make the payment, I noticed that RoundPoint had charged me {$100.00} for both " late '' payments. I was not notified of these late charges, but noticed them when I logged in. 

Because of this, I called RoundPoint at XXXX on XX/XX/XXXX to tell them the situations that happened that caused my late payments. XXXX has been my mortgage servicer since 2022 and for almost 3 years have never had a late payment. 

I told them initially that timing of finances caused me to be late and it wouldn't happen because I'm caught up and didn't mention the failed attempts of making the payments because they are hard to prove. 

The rep that I spoke with did not accept that as a valid reason for missing a payment and I asked to escalate it to a manager. They said it would take 2 business days to get back to me. I was upset by this and decided to try a different rep. 

I called back again at XXXX on XX/XX/XXXX, got a different agent, and said that yes finances timing played a part in it, but that I tried to make a payment before the XXXX but there was an issue with their dashboard or something that didn't allow the payment to go through. This was not acceptable to this agent as well so I told the agent I would like to escalate to a supervisor. 

The supervisor called me at XXXX on XX/XX/XXXX and I told him that I had been trying to make the payments online but the payment wouldn't go through for some reason and he confirmed that my payment on XX/XX/XXXX did go through, however, he was unable to waive the late fee because it has to be at the fault of RoundPoint. 

I explained that it was the fault of RoundPoint because I completed my payment online and for some reason the payments didn't go through. He kept telling me to prove it and I asked him what he needed from me to prove it and he said " just what you have ''. I wasn't sure what this meant and I was confused as to how I could prove that there was an issue when I tried to pay. 

I asked to see the signed agreements and the logs that they are seeing and he was not able to provide this information, however, I'm not sure he could hear me because he kept cutting me off in the discussion. 

I have not paid the late fees and am worried that this will impact my credit/finance record as well as any other future dealings with RoundPoint that I might have in the future. Please help. 

Thank you
Product: Money transfer, virtual currency, or money service

Venmo has wrongfully suspended my account with XXXX in it. My account was suspended for no reason at all. You can contact the other person who have been sending me money that is a long time friend. This is unfair to me because I have a lot of money inside of my Venmo account that I wont be able to get for 180 days. I have done nothing wrong at all and feel as if this is a wrongful termination. I would love to show bank statements and anything possible to get my account back or at least my money. I did not gamble at all or host raffles or anything of that sort. My friend XXXX sent me {$1000.00} because we went out to eat and he wanted to pay me back from covering the tab. He was the only person to ever send me any amount of money. So the gaming and gambling theory is not true at all. I did not use any vpn or proxy servers. I used my only XXXX and with my only XXXX XXXX  internet. My address and ip should be XXXX new York XXXX. This is also my ip if you were wondering XXXX. My address is XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX the same matches up with my ip my cards my ssn everything is linked to that address. if anything I would love to either refund the money to my friend XXXX who sent me the XXXX or maybe you could even send me a check or review my account but I don't have a lot of transactions at all so this should be reviewed quick and before XXXX thank you
Product: Checking or savings account

For more than six months I've tried to close a Wells Fargo savings account I opened. 

I've personally spoken with several representatives on three separate occasions to try and remedy the situation. Each time being assured the account would indeed be closed. 

Despite those assurances, the account is still opened. I received just today yet another " Wells Fargo savings account updates. '' I deeply regret opening this account. I can't imagine to what end this is benefiting them, it just feels oily in a sleazy unethical way. 

I'd just like to put an end to whatever game they're playing and successfully close this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was garnishing my check for 8 months with consent and still reported negatively on report and still does to date. School shut down without knowledge and embezzled millions from it students. I am a veteran and at the time was utilizing my GI bill and XXXX to pay for school and feel the collector to be fraudulently collecting and once told collections stoppeybut report from company continues.
Product: Credit reporting

about XXXX weeks ago, I filed a dispute with Transunion about an item on my report. it was reported XX/XX/XXXX as delinquent. it was paid in full in XX/XX/XXXX but still remains on my report. I called them today and they told me the law say 's it can stay 10 years. this was a bank loan that has been paid in full since XX/XX/XXXX that is 8 years ago. could you please have them remove. bank in report is XXXX XXXX Bank XXXX, in XXXX XXXX, AR. the way I understand the law, is that only bankruptcy 's remain for 10 years. thanks