23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The lender we used to close on our home mislead us in the closing process. They continuously gave us the runaround and the final numbers on the closing disclosure were significantly different from what the lender told us in the beginning. The lender overlooked several items causing multiple delays in the closing process. We did not see the final closing disclosure until we walked into the title company. I would not recommend Coldwell Banker Mortgage to any of my friends and family. This was the most stressful financial transaction I have ever made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter on XX/XX/2020 about the inaccurate and wrong things on my credit report. Its been over 40 days and I have not received any word back about my credit report. I think I'm being ignored and my dispute is being disregarded. 611 ( a ) States that if a credit reporting company has not completed an investigation in 30 days the information being disputed should be deleted. Its been over 40 days, so I demand that these accounts be deleted at once or I will file for litigation due to the hardship Ive had to experience. My information was also impacted by the XXXX data breach and may have gotten into the wrong hands.
Product: Debt collection

A month ago I got my first house. and during the credit review process, it appears that I owe a line of credit debt to a company called Tally technology. which I do not know has requested a line of credit with them! I have tried to communicate with them but it has not been possible! I have not received charges by any means either. In XXXX XXXX all my debts appear to me. So I think this company is doing things without the consumer 's permission.
Product: Credit card or prepaid card

I made a XXXX purchase from XXXX on XX/XX/2022 with my CashApp Cash Card. I returned the item back to XXXX on XX/XX/2022. 

XXXX is claiming that they issued the XXXX refund on Saturday XX/XX/2022 @ XXXX XXXX 

XXXX informed me that CashApp Disputed my incoming XXXX  direct deposit refund from XXXX and CashApp refunded my XXXX  back to XXXX. CashApp initiated this dispute without my authorization nor did CashApp even inform me that they initiated this dispute, I learned about this dispute from XXXX when I kept contacting XXXX asking for my XXXX refund. 
CashApp also canceled my cash card without my authorization. CashApp canceled my card and made me order a new card that way XXXX has no way of refunding my XXXX to that old card number because it is canceled. 

Then I get an email informing me that the dispute was won in my favor. But I still have not received my XXXX even tho the dispute was won in my favor. 

For months Almost everyday I kept messaging CashApp asking them where is my XXXX  direct deposit refund from XXXX. Cashapp continuously lied to me every day that I asked them where my XXXX refund was, they never gave me the same answer. 

Then CashApp claimed that they issued my cashcard account has been issued a provisional credit but cash app has no proof of ever issuing me my XXXX Because CashApp has no proof of issuing me my XXXX  or any provisional credit becoming a permanent transaction CashApp tried to claim different transactions as their own that in reality were : myself transferring money to myself from my XXXX Cash on my XXXX to my CashApp cash card. 

CashApp is still claiming that a provisional credit has been issued to me. However I asked CashApp : how would they have issued me a provisional credit if there was no transaction pending in the amount of XXXX where would the funds come from to issue me a provisional credit if when they initiated the dispute they refunded XXXX back the XXXX I also asked CashApp if they expect me to believe that they would issue me a provisional credit out of thin air with their own money to my account. 

I still not have received my XXXX direct deposit refund from XXXX. XXXX gave me charge back ID # and also a Refund ID #. I asked CashApp for any & all communications, transcripts, transactions, charge back ID # s under Visas purchase return authorization mandate. CashApp failed to provide me with any proof of issuance of my XXXX
Product: Credit reporting or other personal consumer reports

Consumer : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX. 
This CFB Complant has been filed Pursuant 15 U.S. Code 1681a ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Trans Union has been identified as a Person under this section as they are a cooperation. 

They have Violated Section ( 2 ) of this code as the consumer report does not include truncation or experiences between the consumer and person ( Trans Union ) making the report by Reporting Late Pay Transactions in Violation of this Code : XXXX XXXX XXXX XXXX Late Pay transactions reported XXXX XXXX XXXX XXXX XXXX Late Pay transactions reported XXXX XXXX XXXX XXXX LATE PAY TRANSACTIONS REPORTED XXXX XXXX XXXX XXXX LATE PAY TRANSACTIONS REPORTED PURSUANT TO YOU ARE Liable to pay {$1000.00} to me per violation You have a total of 46 violation of {$46000.00} Remedy for violations I am demanding that you remove these illegal Late pay transactions off my credit immediately Please email me a XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In addition to being a ID theft victim, the info on my Equifax and XXXX reports are showing a car that was charged off but paid in full in XX/XX/2022 is showing XXXX  ( CHARGE OFF/COLLECTIONSs ) on every month since XXXX of 2022. 

How can this be? IF the loan was paid in full in XXXX why isnt the reporting of the loan being accurately reported? 

The other issue is I am bot the person who got this loan as my ID was stolen. I am providing the FTC and Police report info with this complaint. 

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX, MI XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
A copy of my credit report I received from annualcreditreport.com. 
The fraudulent items are circled and listed here : XXXX. XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from annualcreditreport.com. The fraudulent items are circled. 
A copy of my Identity Theft Victims Complaint and Affidavit. 
A copy of my FTC Identity Theft Report. 
Proof of my identity and proof of my address. 
Confirmation of fraud alert. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter and await your reply. 
Sincerely, XXXX XXXX Enclosures : Proof of identity : [ a copy of my driver 's license/other government-issued identification card/other ] Proof of address Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ] Copy of fraud alert
Product: Checking or savings account

On XX/XX/23 at XXXX am I received a call from ( XXXX ) I was at work so I ignored the call assuming it was spam as I did not know the number, however they called back immediately and when I answered I googled the number seeing that is was my local Chase bank. The caller informed me of fraud on my husbands debit card and ran through the usual were sending out a new car we've removed the charge and sent a XXXX time pin to be used to send my husband out a new card, I then informed then we would be traveling out of state the next day and to make sure our accounts did not get frozen as is usual with strange activity. On XX/XX/23 I noticed a {$2000.00} charge on our savings account as we do not take out of out savings I thought this was strange so I called chase and reported it along with XXXX other claims of XXXX and XXXX Chase denied the {$2000.00} and the for smaller claims totaling {$1400.00} stating it was money I had authorized to leave my account and that someone physically went into the branch and withdrew that money on XX/XX/23, without an ID this should not be possible, and considering my husband and I were out of state on XX/XX/23 to XX/XX/23 it would have been impossible for either of us to go into that branch and withdraw any money. Therefore on XX/XX/23 whoever went into the chase bank in falsely posed as my husband or I to gain access to the account and help themselves to {$3400.00} that we have worked to accumulate. As Chase has decided to laugh me off the phone multiple times and tell me it is my own fault I was scammed by someone using the same number registered to my local Chase branch to gain access to my account I have decided to escalate the situation. On XX/XX/23 we have an appointment to discus this in person at which time I also plan to file a police report, though Chase customer relations has stated they will not refund our money regardless.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019, I purchased a vehicle from a XXXX XXXX in Maryland. I initially was going with XXXX XXXX XXXX ( XXXX ) for the loan. However, I chose to go with a different financial institution. Toward the end of 2019, I began receiving statements from XXXX which I took as an error. I then began receiving notifications from Experian that XXXX reported that I was 60-120 days past due on the payment on a loan I never had. I contacted Experian twice to dispute these charges. The first time Experian did not find in my favor which baffles me as I provide all the information required. Furthermore, if they looked at the VIN numbers for the XXXX XXXX Loan and the reported XXXX Loan as I suggested, they would have seen that the numbers were the same. Therefore, that should have alerted Experian that there was an issue. When a consumer has to go through what I have been through because of these large companies, it does not give the consumer much faith in the creditors. 

I contacted XXXX but I was only able to speak with the collections department. The first person I spoke with was very rude and told me to contact the credit bureau to straighten it out. I called again and spoke to someone else in collections and they recorded the situation and said she was escalating it to another department. The " other '' department was then going to call me to rectify the problem. Needless to say, I never received a call. 

I then contacted the XXXX XXXX management and the general manager and finance director also made several attempts to rectify the situation as well but did not get far with the XXXX XXXX. The liaison even told the finance manager that I would receive an AUD number that could be shared with creditors. The AUD number was to inform the creditors that there was inaccurate information ( I believe ). I never received this information either. The dealership provided me with a timeline of their communication to XXXX about not funding the loan. The timeline began back in early XX/XX/2019. There was additional talk about a check being sent to me from XXXX, which was never the case. 

The fact is XXXX processed a loan in my name on this vehicle that was already financed through another financial institution. XXXX has falsely reported statements to the credit bureaus. XXXX has caused me stress and XXXX and increased XXXX episodes. XXXX has caused my credit score to take a huge hit and reduced my credit worthiness significantly. 

Ive recently received a letter from XXXX stating my account had been reviewed ( my second request ) and found that there was an error and an update would be sent to the credit bureaus in 30 to 60 days for the corrected information to reflect on my credit report. It took them one day to damage my credit and I dont feel it is fair to allow a company to place false reports and just walk away without some repercussions. They're actions had an adverse reaction to my livelihood and XXXX   shouldn't be able to say oops and walk away.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are a result of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX
Product: Debt collection

I was contacted on XXXX/XXXX/XXXX By XXXX XXXX XXXX in which they threatened me to take legal action over very old debt from XXXX for a XXXX XXXX phone bill. I never signed or agreed to pay XXXX XXXX anything. I currently have a XXXX XXXX account in good standing.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your immediate attention the repeated issues I have encountered regarding the update of my address in your records. Despite multiple attempts to rectify this situation, the problem remains unresolved, and I am experiencing significant inconvenience as a result. 


To summarize my efforts : Phone Calls : I have contacted your customer service several times and was assured each time that my address had been updated. However, these assurances have not been reflected in your records. 

Mail Correspondence : I have also mailed a formal request to update my address, which has unfortunately gone unanswered. 

The part of the address that should be removed it the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

You are in violation of 15 U.S. Code 1681i. XXXX XXXX XXXX XXXX ( Account Number : XXXX. I disputed the referenced accounts above on XX/XX/year>. The credit report of XX/XX/year> and my report Confirmation # XXXX shows results that this item was deleted from the credit file. Now I notice these items have been reinserted on my credit report. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA XXXX, Procedure in case of disputed accuracy [ XXXX U.S.C. XXXX ] Requirements relating to reinsertion of previously deleted material. 
Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinsert in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than XXXX business days after the reinsertion date. ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.
Product: Credit reporting or other personal consumer reports

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 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 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 XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries 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, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, 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  : Account number XXXX. 
XXXX XXXX : Account number XXXX. 
XXXX : Account number XXXX. 
XXXX XXXX : Account number XXXX. 
XXXX XXXX : Account number XXXX. 
XXXXXXXX XXXX : Account number XXXX. 
XXXXXXXX XXXX XXXX XXXX account number XXXX. 
XXXXXXXX XXXXXXXX : Account number XXXX. 
XXXXXXXX XXXX : Account number XXXX. 
XXXX XXXX XXXX XXXX : Account number XXXX. 
XXXXXXXX XXXX XXXX : Account number XXXX, has violated my rights. 
15 U.S.0 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.0 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 card or prepaid card

I have had the same credit card for over 10 years with no annual membership fee. Now the credit card company snuck in a {$39.00} annual Membership fee without my knowledge. The fee did not appear on my statement but was hidden. I contacted the company and they can not fix this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

open date XX/XX/2013 it shows a 30-59 day late on my credit report the car was traded in a month before so the new dealership sent pay off check late have documents to prove the date
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hospital bill on my report that should have been resolved with my health insurance. XXXX  still has it unresolved and the company that i owe said they charged it to my insurance. 
Also i have a credit card account closed. XXXX still has it as open in good standing.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, I was informed by your company ( XXXX XXXX that ( account # XXXX ) with XXXX XXXX XXXX was deleted from my credit report I have now realized that the same item was Reinserted onto my credit report! 
In accordance with the requirements of the FCRA section 611 ( 15 U.S.c1681i ) ( 5 ) ( B ) ( ii ) ( A ) ( B ) requirements relating to reinsertionof previously deleted material ( ii ) Notice to consumer. If any information that has been deleted from a consumer file pursuant to subparagraph ( A ) IS Reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any means available to the agency I have received no such Notification, this is a serious violation of the FCRA and i now reserve the right to pursue legal action for this clear violation of the FCRA!

I demand that you immediately Delete this account from my credit in order to avoid legal action, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I hope this letter finds you well. I am writing to address a matter of concern regarding my credit account. I recently discovered that there have been late payments reported on my account, and I would like to request the removal of these late payment entries from my credit report. I want to emphasize that these late payments were not a result of negligence but rather a temporary setback that I have since overcome. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or their customer service. I kindly request that you investigate this matter and, if appropriate, submit a request to the credit bureaus to remove the late payment entries from my credit report. Your prompt attention to this matter is greatly appreciated.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I cosigned a CareCredit account for my son so that he could get some XXXX work done. The Credit line was set at XXXX 
On XX/XX/XXXX my son passed away at age XXXX.
On XX/XX/XXXX I contacted Synchrony Bank to find out the balance of the CareCredit account and take care of the account. I discovered that the Credit line had been increased to {$6400.00} at some point and I had not been notified. They stated that they sometimes increase credit lines with out notification. There is no way that my son 's credit rating would have been a reason for this increase. He was struggling financially. They probably increased it based on my credit rating and did not contact me as the cosigner. I am more than willing to pay the {$3000.00} that I cosigned for, however they are telling me that I must pay the entire amount owed which is {$6200.00}. They said that the account does not qualify for any assistance. 
Due to the expenses associated with his XXXX, I am not able to pay this and the monthly payments will be a financial burden. I feel I should have been notified about a credit line increase and had the opportunity to say no. Please advise me on how to move forward with this.