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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. 
Please delete the following accounts. 
XXXX XXXX {$10000.00} XXXX XXXX XXXX {$8500.00} XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX {$3300.00} XXXX XXXX {$330.00}
Product: Debt collection

IN THE LATTER PART OF XX/XX/2020, I DISPUTED SEVERAL DEBT COLLECTIONS WITH ALL THREE CREDIT BUREAUS AND THE RESULTS CAME BACK AS IF NO INVESTIGSATIONS WERE MADE BY XXXX XXXX OR EQUIFAX. I MANAGED TO CONTACT THE DEBT COLLECTORS XXXX, XXXX, XXXX, XXXX XXXX XXXX AND XXXX XXXX XXXX AND UNABLE TO GET A COPY OF THE INVESTIGATION MATERIAL SUBMITTED BY EACH OF THE THREE ( 3 ) COLLECTORS. I TELEPHONED ALL THREE ( 3 ) CREDIT BUREAUS AND ASKED FOR A COPY OF THE INFORMATION SUBMITTED TO THE THREE ( 3 ) COLLECTORS AND I WAS GIVEN THE RUN-A-ROUNDS. I HAVE REASONS TO BELIEVE THE THREE ( 3 ) CREDIT BUREAUS ARE LYING ABOUT SUBMITTING ANY INQUIRY TO THE DEBT COLLECTION AGENCY FOR THEIR INFORMATION. I BELIEVE THEY PLACE THE DISPUTE ASIDE FOR THIRTY ( 30 ) DAYS AND DECIDE TO LET THE DEBT THAT'S BEING DISPUTED REMAIN ON THE CREDIT REPORT.
Product: Mortgage

My husband and I closed on our condo less than a year ago. One of the requirements of the closing with this mortgage company, was to reserve a years worth of Homeowners Association fees with them. We complied and set aside XXXX. It is listed on our HUD under Association Reserves. This was money that my husband and I had to come up with and hand over to them. The payments areXXXX due quarterly. The first payment was in XX/XX/XXXX. I received a letter and a corresponding phone call from the management company, XXXX XXXX XXXX, that they did not receive the payment. I called the mortgage company and explained to them that they have to pay this fee. It was required by you and money was set aside. After being transferred numerous times to many different departments, they realized they are required to pay this and sent out a check. They assured me that they would clear up the confusion on their end and when the next payment was due not to worry, they would pay it. XX/XX/XXXX rolled around and again the same thing happened. I called them and after more transfers and confusion I explained the setup again and they realized again that they have to pay the HOA for that month. This time I asked the girl if she needs the payment coupons I have so they have an address where to send the payment to and a contact person. She gave me the fax number and I faxed the documents over to them. Both the XX/XX/XXXX payment and the XX/XX/XXXX payment were a month late. I am now in XX/XX/XXXX and again I receive a letter from my management company that the dues were never paid. Again, I call the mortgage company. I am transferred three times, explain the situation three more times and the only response I get is " we will need to research this someone will get back to you. '' They patronized me, cut me off while I was speaking and hung up on me. Meanwhile, my dues are a month late again. I complied with everything they asked me to do. They have all the documents they need from both myself and the closing attorney that clearly states they are responsible for making the HOA payment from reserves set aside for this purpose. They have violated the terms of our escrow agreement and are causing us to be continually delinquent on the HOA dues. We were told the reason they are asking for a years worth of dues up front is so that they can pay them to ensure they are paid on time to avoid a delinquency, which is exactly what is continually happening.
Product: Credit reporting or other personal consumer reports

Recently, I got an alert that there had been an inquiry on my credit report. On the credit report, it showed that a hard inquiry had been made to Capital One. I called Capital One and they said no accounts had been opened. I have filed for disputes with XXXX online. I called XXXX and they directed me to FTC for an identity report. The inquiry information on the credit report has an old address and an incorrect phone number on it.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Capital One never wanted to give me a new account number after telling them on Friday XXXX XX/XX/year> I didnt know were those test deposits came from and wanted a new account number
Product: Credit card or prepaid card

I made reservations and paid for virtually all expenses for my trip to XXXX, including airfare, hotels, transfers, meals, shopping, etc. using my Chase Ink Visa Card. On the way to XXXX from XXXX on XX/XX/XXXX, my flight was delayed and eventually cancelled approximately 5 hours after its scheduled departure and after I had boarded and been on the plane for more than an hour. All passengers were asked to deplane the aircraft and were stuck in the XXXX XXXX airport with no assistance whatsoever from the carrier XXXX. I had already been traveling for approximately 24 hours at this point, and was now stuck in a foreign airport after midnight with no recourse or ability to secure transportation or lodging. After spending the entire night without sleep, I was finally able to book a flight to my destination out of XXXX 's other airport on XXXX, albeit at a different airport and at significantly higher cost. Upon returning home, I tried to make trip interruption and trip delay claims provided under Chase 's credit card agreement. This service is provided through a website called XXXX XXXX XXXX   ( XXXX ) which is owned by XXXX XXXX, and after seven weeks of repeated email and fax documentation submissions and more than 15 telephone calls, neither claim has progressed. I have received a litany of excuses as to why, all of which are unsubstantiated. I have attempted to submit documentation using their website as instructed using two different computer ( one XXXX and one XXXX XXXX ), using three different web browsers in each operating system as well as trying an XXXX  and XXXX, Every time I received and error message stating that there was a problem and to call customer service. Each time I called customer service and was given a different excuse and told to submit my documentation either by email or fax. I have submitted every document via both email and fax, have had no emails bounce back and have every fax confirmation that my transmissions were successful. I have called virtually daily to follow up and continue to receive excuses as to why they have not received my documentation and hence why they can not process my claims. I literally have run out of avenues to pursue my meticulously documented claims, and believe that Chase 's insurance claim processing service is either completely incompetent or potentially fraudulent. Each call has involved a different customer service agent who has provided different or conflicting information and refused to let me speak to a supervisor, a technician responsible for website administration and document processing and the claim adjuster allegedly assigned to my case. Chase and XXXX XXXX have been completely negligent and should be admonished for their failure to honor their credit card agreement and attempting to deny legitimate claims thereunder.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax on XX/XX/21. I sent them an FTC report, passport, cover letter and federal laws relating to the matter. It must be removed within 4 business days according to 15 USC 1681c-2 ( a ) ( 3 ). As a consumer and natural person I know my rights and Equifax is now in violation because after 4 business days of no removal pursuant to 15 USC 1681n, they have violated my consumer rights 11 times, one per each account. Therefore, I am seeking financial compensation for violating my consumer rights in the amount of {$11000.00} in addition to immediate removal of these fraudulent accounts on my consumer report. Thank you for your assistance regarding to this matter.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the accuracy of the reporting of a charge-off on my credit report. Upon reviewing my credit file, I noticed that the account listed underXX/XX/XXXX with account number # XXXX opened on XX/XX/scrub>/2020 still shows a balance. According to the Fair Credit Reporting Act ( FCRA ), information reported to the credit bureaus must be accurate and verifiable. As you are aware, once an account is charged off, the creditor should not continue reporting a balance unless the balance has been paid in full or settled. The continued reporting of this charge-off with an outstanding balance is misleading and violates my rights under the FCRA. Please be advised of the following : 1. Fair Credit Reporting Act ( FCRA ) : Under Section 609 of the FCRA, I have the right to dispute any information on my credit report that is inaccurate or incomplete. Section 611 ( a ) ( 1 ) of the FCRA also mandates that credit bureaus investigate disputed information and correct or remove any inaccuracies within 30 days. 2. Fair Debt Collection Practices Act ( FDCPA ) : If this account is being managed by a collection agency, please ensure that they are also in compliance with the FDCPA, which prohibits misleading or false representations regarding the amount or legal status of a debt. I am requesting that you investigate this charge-off, correct the balance reported, and provide me with documentation verifying the accuracy of this charge-off. If the creditor is unable to substantiate the balance or the charge-off status, I request that the balance be removed from my credit report entirely. Please send me written confirmation that this dispute is being investigated, and that the necessary corrections will be made in accordance with the law. Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX XXXX, XXXX XXXX  and with Equifax regarding the fact that on XX/XX/XXXX, Equifax completely REMOVED my XXXX XXXX and XXXX auto loan from my credit which directly caused my credit score to decrease by 23 points. I have been waiting nearly 30 days for a resolution and still nothing has been updated. Equifax has since put my XXXX XXXX account back on my report and sent sent me the attached reporting from XXXX which is STILL NOT showing up on my credit bureau and my credit score has not been restored. I am in the middle of a mortgage purchase and this is NEGATIVELY effecting my purchase. Why do the credit bureaus get to ruin a persons credit overnight and then take 30days or more to fix their mistake? I have attached my FICO score as of today as well as a copy of what Equifax sent to me regarding XXXX XXXX. I have also pulled my recent payment history from XXXX XXXX which clearly shows that I have been making payments, but what Equifax sent me shows my last payment in XX/XX/XXXX and that is a lie. Equifax is a horrible company to deal with BECAUSE they are lairs. I filed a dispute with XXXX in XX/XX/XXXX BECAUSE Equifax was NOT reporting my payment since XXXX. Since that dispute they UPDATED the payments and NOW they are trying to go backwards by stating that I have not paid since XXXX XXXX WHAT THE XXXX IS THEIR PROBLEM??? WHY ARE THEY ALLOWED TO DO THIS??? WHY ARE THEIR NOT BETTER CONTROLS OVER THIS??? THIS IS CRAZY THAT I AM GOING THROUGH THIS AND I AM ACTUALLY PAYING MY BILLS!!! I WANT THIS FIXED SO THAT I CAN FINISH MY HOME PURCHASE AND MOVE MY FAMILY ... ..IS THERE NO ONE THAT CAN DO ANYTHING ABOUT THIS???
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd attempt 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. 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 extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$870.00} ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$120.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$8900.00}
Product: Mortgage

REF CFPB XXXX. Both XXXX  XXXX  and Fifth-Third Bank " the company '' response in the above complaint/case failed to answer and resolve the original complaint/question regarding XXXX XXXX  and/or the company having jurisdiction and/or authority in withholding insurance proceeds received in regards to a recent damage claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report last night and i noticed several unauthorized inquires that do not belong to me. Please remove the inquires from my report as soon as possible, for these are results of identity theft. 

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

I did not apply for financing through XXXX XXXX. This was done without my permission and authorization. Please see attached document.
Product: Checking or savings account

I closed my checking account ( Wells Fargo ) that had {$2300.00} through online on XX/XX/XXXX. She said to me that cashier check would be issued next day ( XX/XX/XXXX ), and I could receive my check within 5~7 business days. However, I haven't gotten my check until now. 
So, I called Wells Fargo several times, but the customer service employee said you just needed to wait. I waited almost 50 days and did not receive any letter or response from the bank. On XX/XX/XXXX, I called customer service other part again, and I said to her I thought the cashier check was lost. She finally answered my request. " Our bank can not cancel the issued casher check until 90 days from starting day of issued date of it, and you can declare lost your check after 90 days from closing date. '' I received the file of declaring cashier check from her after 5 days. 
What can I do? I want receive my money right now, and I am very angry. I can not trust Wells Fargo bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion File # XXXX dated XX/XX/2019 has XXXX XXXX showing and I OPT OUT on promotion and Transunion should not be letting XXXX XXXX XXXX XXXX XXXX XXXX Suite XXXX XXXX IL XXXX pulling or doing account review I did not request or inquire to there products. Please stop with the scams of selling information after I opt out.I have also filed a XXXX Attorney complaint on Transunion as well
Product: Money transfer, virtual currency, or money service

I have tried to close this PayPal account in the past. I still get an occasional email from them stating that I need to resolve my account issues with them. I was scammed once before with PayPal which is why I do not use them anymore. I tried to update my information in an effort to close the account, but the site/app refuses to let me do so. The Reference number is XXXX. When speaking to a Live person, they come across as very rude and XXXX.
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. 

Here are several accounts that need to be removed and updated to accuracy from my credit bureau which have violated my Rights. 

( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX of 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: Credit card or prepaid card

My husband of 45 years died on XX/XX/XXXX. On XX/XX/XXXX I began notifying various entities of his death. When I notified Citicard MasterCard, they closed my account, saying he was the primary cardholder. When I asked how that happened, they said he must have opened the account first and added me later. I am sure that is not true. They also told me it is a state law that they had to close the account. We had this account since 1988 and the payments came from my income. I am shocked that they took the occasion of my beloved husbands death to close my account. We never made a late payment or even paid interest since the account was opened in 1988.
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Transunion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunions inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an application for a credit card and received a declination letter. The credit score that XXXX bank used was different from the one from Experian credit report.
Product: Debt collection

Jefferson Capitol is attempting to collect a debt that was one never validated and letters sent with no response with in 30 days and was deleted as a trade line which was in response to an earlier CFPB complaint XX/XX/22 which I will attach, where they had violated several FCRA laws and still are. I believe they are also using the same account they failed to provide proof or evidence over in a timely manner and just changed the debt name from XXXX to XXXX which would be Jefferson capital committing fraud as I have never held a sprint account I believe they are falsely claiming this debt and need to be thoroughly investigated. They have harassed me in the past but could never validate any debt claims or respond in a timely manner. Jefferson capital should be fined to the fullest extent that the law allows and be made to pay restitution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

Asset Acceptance bought a supposed old debt of mine that is way past the 7 years from date of last activity/payment. They continue to report this debt to XXXX that they purchased from XXXX Bank in clear violation of the FCRA. I have disputed with XXXX and it always comes back " verified ''. When I inquire with XXXX " what method they used to verify '' they do not respond. This is another clear violation of the FCRA by XXXX. I am ready to file litigation against Asset Acceptance and XXXX if this account is not removed right away. I will also file complaints with the XXXX, State Attorney General and anyone else that will assist me in righting this wrong.