23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I was involved in a car accident causing a total loss on XX/XX/2019. The only payment that I should be responsible for is the one for the month of XXXX and any fees I may have racked up before the date of loss. I have been getting charged and recorded on my credit report that I havent been paying them since the accident but XXXX has already taken full responsibility and sent out a payment for the vehicle plus I have GAP insurance which should cover any thing XXXX doesnt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and update : XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/05 Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

Unable to get access to assets in Robinhood XXXX XXXX or account information that is potentially compromised. No possible way to contact services. This is conerning and I don't know what to do at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I try to open an bank account they stop it. It's becoming a problem and I don't like it at all
Product: Mortgage

We closed on a mortgage refinance on XX/XX/XXXX, at closing ( when we closed on the loan ), approximately {$1300.00} was collected by then mortgage holder XXXX XXXX, XXXX, for 12 months of hazard insurance. Shortly thereafter, XXXX XXXX  sold the mortgage to US Bank. I assumed that the collected hazard insurance funds would be provided by US Bank to my insurance provider ; XXXX. I didn't receive any notification of a lapse in payment until my insurance provider phoned me on XX/XX/XXXX, indicating that the current mortgage holder ; US Bank, did not make any Hazard insurance payment ( despite collecting 12 months of Hazard Insurance at closing and collecting approx {$100.00} monthly via my mortgage payment. ) That same day, my insurance provider also called US Bank, during that call my insurance provider explicitly told them they needed to make a payment to XXXX immediately to bring the insurance current, which a representative of US Bank apparently ( according to my insurance provider ) agreed to do. 

I assumed this was matter was taken care of until I received a letter from US Bank, dated XX/XX/XXXX indicating that insurance had lapsed and that although they admit to speaking to my insurance provider, US Bank dishonestly claims " that there was no mention of a lapse in payment '' and rather the insurance agency had contacted US Bank over an " incorrect mortgagee clause '. This a patent lie, the entire reason for my insurance provider to reach out to US Bank was to insure that a payment was made on my hazard insurance. 

I then received notice from US Bank dated XX/XX/XXXX that they had not received proof of insurance for the period XX/XX/XXXX to XX/XX/XXXX and if they did not receive proof, they would charge me for " {$4600.00} annually '' for insurance coverage for the period indicated. This amount is almost 3x what I am paying for Hazard insurance. I believe this is an example of incompetence on the part of US Bank ( they just failed to make the payment ) and them trying to stick the consumer with the bill for that incompetence.
Product: Vehicle loan or lease

Loan paid in full via cashiers check, in person at a US Bank Branch on XX/XX/2022. Title still not received as of XX/XX/2022. Upon contacting US Bank to follow up on the status of the title I was advised that their office mailed it to an address that I have not resided at for over 5 years. Despite having my correct address on file and sending billing statements to me to the correct address for 5 years they still mailed the title to an outdated address. I was advised by the representative at US Bank that there was nothing that they could do and that I, the consumer, would have to take this matter up with the Department of Motor Vehicles.
Product: Credit reporting or other personal consumer reports

For the past 2 years Ive been unable to purchase a car or move residence due to trans unions abuse and neglect with my credit file.TransUnion was tasked with investigating and run disputes for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After making arguments about a disputes items being investigated incorrectly I was transfered to who a supervisor was who verbally stated on record that they have 1. Received all documents for verification 2. Received all deletion files 3. Received a updated and accurate credit report from XXXX 4. Received fraud reports 5. Received CFPB Reports And refused to investigate issue because its not there responsibility.All other credit agencies that received these documents and have removed files for fraud and irregularities and Transunion admitted to not running disputes at FCRA standard as previously stated and this is verified by the recent removal of XXXX  XXXX. Which they stated on multiple occasions was at FCRA STANDARD. They refused to investigate that file for 2 years even while being requested to do so and just recently ran a valid dispute and removed it. The same can not be said for the other files that they have refused to investigate wnd have falsely reported at being FCRA STANDARD. When mailed dispute information they also discarded and did not run investigations as previously stated. They also are 95 days overdue for previous disputes and continue to just reopen disputes instead of investigating.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage is in a forbearance status and should not be reporting any late payments. Please remove all late payments and reflect them show paid on time. I have never been late
Product: Credit card or prepaid card

In XXXX of 2020 I decided that I needed an additional credit card. I researched on line for the best cash back credit cards. Several websites listed the Chase Freedom XXXX card as one of the best. The promotional info included a {$200.00} cash bonus if you charged and paid {$500.00} in the first three month of receiving you credit card. I applied for and received the Chase Freedom card. After two months I met the {$500.00} threshold however I only received a {$150.00} credit. When I noticed this on my statement, On or about the end of XX/XX/2020, I called Chase about the discrepancy and referenced the marketing promotion when I applied for their card. The Chase call center person I spoke to said they would forward my complaint to their marketing department. On XX/XX/2020 I received a very boilerplate letter from chase saying that my account isnt eligible for the new offer I requested. This is a blatant falsehood because it was promoted when I applied for their card. I did call Chase customer satisfaction group to voice my complaint again to no avail. Basically this was false advertising.
Product: Credit reporting or other personal consumer reports

Subject : Failure to Adequately Address Disputed Items and Investigate Fraudulent Information Details of Complaint : XXXX has failed to adequately investigate and address my dispute regarding fraudulent accounts and inquiries on my credit report. Despite providing valid documentation, including an FTC Identity Theft Report, they continue to report inaccurate information and rely solely on furnishers/vendors for verification without conducting a thorough investigation. 
Key Issues 1. Failure to Investigate : XXXX relies entirely on furnishers/vendors to verify disputed items without providing any independent verification. 
XXXX. Fraudulent Accounts : Examples of fraudulent accounts include XXXX XXXX  ( {$5500.00} ), XXXX XXXX XXXX ( {$11000.00} ), and XXXX XXXX accounts with various balances. 
XXXX. Unauthorized Inquiries : Numerous inquiries from financial institutions XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) remain unaddressed. 
XXXX. Harm Caused : The inaccurate information has resulted in credit denials, financial harm, and reputational damage. XXXX failure to comply with FCRA requirements has caused significant emotional distress.
Product: Credit card or prepaid card

I tried obtaining a credit card from the bank Ive been with for years but I got denied. I was told I was unable to receive a credit card because I dont have credit history. Thats the whole point as to why I wanted a credit card. To build my credit. Its ridiculous my own bank Ive been with for years wouldnt allow me to obtain a credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate and verifiable credit information. I need that you eliminate this late payment on this account because they are reported wrong. You should corroborate your information and remove the negative information on this account. Can you please let me know how you verified this information? Now if it was just a clerical error ( which does happen all the time ) then this is your chance to fix that error. Please remove the late dates from this account : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following inquiries need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened a XXXX XXXX XXXX, Nelnet loan, and XXXX under my name. Identity theft. I've disputed several times fraudulent and they will not remove it from my credit file.I have not applied for anything.
Product: Vehicle loan or lease

This company has tried to over charge me and repeatedly harassed, called and not report payments made.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and credit report : XXXX XXXX XXXX Account XXXX Open date : XX/XX/2019. XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have a Bank of America issued XXXX credit card.This card has been used monthly since 1993. Until this month, XXXX 2015, the card has always had a grace period. This month a {$25.00} late was assessed on the due date for payment. I have excellent credit and always pay in full each month. At this time, I am having a difficult time finding a major brand credit card with a 30 day grace period.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX, XXXX, L XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, HI XXXX XX/XX/XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00}
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 immediately. 

XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing XXXX XXXX XXXX XXXX. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA S 605B ( 15 U.S.C. S 1681 c-2 ) that you, the Equifax credit reporting agency , block 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 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry : XXXX XXXX XX/XX/XXXX
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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Square recommended that I close my cashapp account to resolve a card attached error and then subsequently banned me from the service. I was never told why. No transaction issues. The forward a copy of their tos and close any ticket that has been opened.
Product: Credit reporting or other personal consumer reports

I am writing this letter regarding the violations against me as a consumer by this credit bureau. 15 USC 1681 section 604 section 2 states ; In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.Furthermore, 15USC Section 1681b ( permissible purpose ) restricts the circumstances under which consumer reporting agencies like XXXX, XXXX, and XXXX can furnish consumer reports. This section explicitly states : " In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions of the consumer to whom it relates. " The furnisher of information does not possess written consent from me to access my personal information. 
Therefore, Per the FCRA as a federally protected consumer, I am now opting out immediately and indefinitely of any and all transactions I the consumer may have given unknowingly. Written, Unwritten, verbal, or non-verbal per 15 USC 6802 for all the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I just closed on a refinance of my mortgage. I asked New American Funding several times during the process whether or not they would be the ones servicing my loan. In fact, the first time I spoke with them, they mentioned the fact that they service their own mortgages and do not sell them. This was one of the main reasons I refinanced with them. The paperwork seemed to also state that they would be servicing the loan and I could fine no clause that said it could be transferred. 

Less than 1 month after funding, I accidentally found out my mortgage was transferred to another bank. I still have not received any notice from either bank that it was going to be or has been transferred. 

I feel I was lied to. A company should not be able to tell borrowers that they will not sell their mortgage and then sell it less than a month after funding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect information on my credit report. It is well over 30 days and I have not received any investigation results.
Product: Debt collection

I am not liable for this debt with CAPITAL ONE BANK USA N A and I do not have a contract with XXXX XXXXXXXX XXXX plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : XXXX
Product: Mortgage

PLEASE SEE ATTACNEMent fha emails me today and states it was not there decision to decline my loan application that has been in process since XX/XX/XXXX! XXXX the manager has lied and stated this was huds decision when it was NOT, caliber never pulled my credit, caliber does not know my credit score, caliber has not YEt replied nor told me what it is I really need to close out my loan! Caliber sent me a denial letter XX/XX/XXXX stating they denied me to sue to credentials, never probes or said what those are, caliber has had my loan application opened for almost a year! Caliber did not act out of good faith! I have showed caliber court documents to remove the ex boyfriend ordered by a judge and they are not understanding the a judge order is final, what do I have to do really get my lawyer involved & end up in federal court with you caliber home loan, youve failed me as my lender and not one have I defaulted in my mortgage payments! I just wanted to Refinance my house for a lower intrest rate, never asked for a cash out,,
Product: Mortgage

I am writing today in wish to obtain your help. Currently I am working on examining my credit, paying down my balances, and pursuing better credit worthiness. You play an essential role in this process. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit bureaus ( XXXX XXXX and XXXX   ) on XX/XX/XXXX and I am submitting this to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could imagine, is that my statement didn't get to me in time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint in response to the recent investigation conducted by the Credit Bureaus. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking you for more information regarding these particular items in question : XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} - This account has been paid and yet the current status is showing derogatory information that is unnecessary and damaging to my credit report, which is in violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect the consumers from unfair credit billing and credit card practices. This account should not be showing the current status of 30 days late since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate these illogical statuses and provide me with the date of the last activity for the account. 

XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2020 U.S. Bankruptcy Court - I would like you to review the docket number and type of public record because I have a feeling it is violating the Fair Credit Reporting Act. Please remove this public record for violating the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, BK OF AMER XXXX Date Opened XX/XX/17 Balance {$4400.00}