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

On XX/XX/XXXX I sent XXXX/XXXX/Equifax a letter disputing the validity of the bankruptcy they are reporting on my credit report. They responded stating that they " verified '' this item through XXXX XXXX. I then went to XXXX XXXX to dispute the item in question and XXXX XXXX was not able to verify the bankruptcy, so they deleted it from their database. 

Then again on XX/XX/XXXX and XX/XX/XXXX, I sent another letter to all 3 credit bureaus and showed them the deleted bankruptcy from XXXX XXXX as well as letter from the courthouse stating they do not report to any agency. The letter is also informing them that if they could not verify how the item was verified, then it needs to be deleted according to the FCRA. Once again, they refused to delete this item which is hindering my ability to purchase a home and causing me to pay thousands more in interest per year. 

Since XXXX, I either got no response to my inquiries or a generic " account is verified '' with no explanation which I ask them to refrain from. 

This item needs to be deleted from my credit report if it can not be verified within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation: name and address not mine XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation: auto loan not mine XXXX XXXX XXXX XXXX

FCRA Violation: credit card not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


FCRA Violation: other loan never late
LOUISIANA CHILD SUPPORT

FCRA Violation: hard enquiries not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation: collections not mine
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

The inquiries below do not belong to me. They are FRAUD. Delete ASAP. They should not be on my report. 
-- -- -TRANSUNION XXXX -- XXXX Inquiry : XXXX XXXX, 2020
Product: Mortgage

XXXX, XXXX XXXX & XXXX ( wife ) XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX, XXXX PROCESSING CENTER Your continuous DefraudingXXXX XXXX and gouging us financially isXXXX XXXX XXXX XXXX illegal by law. 

In reference to our Loan Statement dated XXXX/XXXX/XXXX which you continue to misled us about our Loan Payment Statement asking for month of " XXXX XXXX, XXXX payment was already Paid " Check No. XXXX. Plus copies of XXXX and XXXX XXXX accusing us we never paid. Now it deemed especially egregious the discourage repetition of misleading and deceiving us with your unlawful practices conduct. 

Your " fraudulent conveyance or other transaction with intent to Defraud us or to defeat our credit preference, plus gouging us financially is obvious. Your Payment processing center has had been told several times about our Mortgage payment never late, nor behind in any way shape or form. But, your continuous unscrupulous, maladminister conduct with our Mortgage loan payment become a malady toward ( XXXX XXXX. XXXX ) type maladroit activity. 

From the very beginning when our Loan processing started in XXXX XXXX and finally closed in XXXX XXXX, XXXX was the most extreme Maladminister and awful feelings my wife and I ever experiencing in our lives purchasing a home through so called ; .Loandepot Maladminister conduct obviously. We were paying {$1000.00} several times, until we found out Loandepot defrauding us with our Loan payment. Fraudulent conveyance information with my ( tax-exemption ; Code : T XXXX ) and also our Mortgage insurance disregarded by forcing {$100.00} on Escrow ( for Taxes and Insurance ) which brings it to {$1000.00} ; while " Praetorian '' is still our mortgage insurance. Loandepot Scheming and gouging us financially ever since. They 're still asking for {$150.00} as an overdue amount without an explicit detail. 
They are not VA Lender by the way. If they are, they will follow the VA guide-lines for Veterans Home Loan Eligibility accordingly. Nothing ; but willful fraudulent scheming and, financial gouge type of Loan Depot of course. 


Sincerely SubmittedXXXX, XXXX XXXX & XXXX ( wife ) XXXX XXXX VeteranXXXX ... ... With ... ..HONOR, COURAGE, AND COMMITEMENT
Product: Money transfer, virtual currency, or money service

ID:XXXX I was promised if I transfer money through PayPal it would be an instant transfer. Now, they are telling me it will take 72 hours. I am stuck in the middle of nowhere without gas or hotel money. They are playing with my livelihood and it is unfair. They need to be punished like I am getting punished. This is sad!
Product: Checking or savings account

Chase will not let me access my bank account to make payments to my chase card online
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the ongoing issue I have been experiencing with attempts to correct late open accounts and remove the associated losses from my records. I have made several attempts to rectify this matter, but unfortunately, the resolution process has been ineffective. 

The accounts in question were opened and despite my best efforts to address the lateness and associated losses promptly, I have encountered multiple obstacles in achieving a satisfactory resolution. This situation has not only caused inconvenience but has also adversely impacted my financial standing. 

I would like to outline the chronology of my attempts to rectify the situation : Initial contact was made with your customer service department to report the late open accounts and request corrections. 

Follow-up communication was initiated to inquire about the status of the correction process. 

Despite previous assurances, no significant progress had been made, prompting further communication and a detailed explanation of the losses incurred due to the delays. 

Additional attempts were made to escalate the matter within your organization, seeking a more expedited resolution. 

Despite these efforts, the issue remains unresolved, and the associated losses continue to impact my financial stability. I believe in fair and transparent business practices, and I am hopeful that your company shares this commitment. 

I kindly request your immediate attention to this matter and a comprehensive review of the circumstances surrounding the late open accounts and associated losses. I expect a timely and satisfactory resolution to be implemented to rectify the inaccuracies in my records. 

If this matter is not addressed promptly, I may have no choice but to escalate the complaint to relevant regulatory bodies and seek legal advice to protect my rights as a consumer. I am asking for your assistance tocorrect thises late open accounts : XXXX  XXXX Balance : {$1800.00} ; XXXX XXXX  XXXX Balance : {$11000.00}.
Product: Student loan

NELNET Stopped generating account statements in XXXX of 2020. I have been making payments routinely since that date. My annual tax statements have reflected virtually no interest paid which seems impossible as I have reduced my balance by thousands. 

I have has trouble with NELNET accounting behaviors and website in the past and I want an actual statement from their system showing it recognizes that my balance reflects the payments over the past 3 years. I am concerned that based on past NELNET behaviors when the payments restart the system will magically revert to some screwed up point and I will be hammered with interest or unreflected payments. 

I have requested that NELNET provide a current account statement and they have given me the run around. This is a condition that likely affects every borrower loan they are servicing. There is no justification for not generating monthly statements unless the servicers thinks they are going to be able to change the past and do not want a paper trail to contradict it. They also continue to fail to put an efficient traceable email communication method in place for borrowers. Their recent update has closed down the half solution form submittal driving borrows to the phones for undocumented calls or snail mail.
Product: Checking or savings account

A {$600.00} charge was posted to my checking account with Wells Fargo for a cash e-withdrawal in branch on XX/XX/2023 in a town 3+ hours from where I live. I called the help center on XX/XX/2023 as soon as I noticed the charge and reported the incident as fraudulent as I had never made/approved this transaction. The customer service rep started a claim and said it would be resolved in a week. I received a letter in the mail today ( XX/XX/2023 ) stating the claim had been closed as they determined the transaction was made by me or someone I gave permission to. I havent yet requested additional information but I never made this charge, I was never even in the area of the withdrawal, and nobody aside from myself has access to any of my banking account information.
Product: Credit reporting or other personal consumer reports

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud.XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry DateXXXX, XXXX  Inquiry Date XX/XX/XXXX and XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Debt collection

This third-party collection company has been repeatedly harassing me through communication on XX/XX/2024. I made several calls to this company and informing them that I have no contractual obligation between myself and them and that this account is fraudulently reporting on my credit report and is indirect violation of the FRCA. The action that Im seeking is to have this account delete it from my credit report immediately at monetary compensation as a result of this illegal violation.
Product: Mortgage

Bought property and mobile home in 1997, we have always paid our own property taxes. We never requested for mortgage to be escrow, now we only have 2 more years to pay home off. This year our tax return did not come in as usual, we managed to pay mobile home taxes. Property tax carried into XXXX, when I went to tax office, I found out that Ditech ( XXXX Az. ) had paid taxes XXXX I was not aware of this, now my mortgage has been turned into escrow account ... Here are the numbers that bother me and Ditech refuses to be fair and work with me..I understand that account was running behind a month and had late fees, that was brought curffent this month with payment of {$2000.00} ... Only 2 years left on mortgage, payment increased from {$740.00} to {$1000.00} a month.. Our property taxes average {$1300.00} if paid in XXXX ... Mortgage payment increase is {$330.00} more a month, in 10 months it's {$3000.00}. I can pay next year taxes this year, plus since it turned into escrow account {$12000.00} we're added to final mortgage amount. I requested for the {$1500.00} to be added to final mortgage to pay back..request was denied. I seriously feel that Ditech is taking advantage of me.. I have talked to reps and supervisors, and sent written request, nothing has been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report and found unverifiable, invalidated, inaccurate, and questionable items TransUnion didn't make sure it was reporting 100 % correct and I dont recognize the inquiries in question. I politely explained to TransUnion that my personal information was on the Dark Web due to my personal information like my name, birthday, address, email, and social security number was breached in the XXXX XXXX XXXX. I disputed the inaccurate inquiries in question both over the telephone and through certified mail because I have no open accounts on my credit report from the inquiries but instead of an deletion I was sent a letter in the mail basically saying oh well, to contact the company to find out whether an account was opened in my name after inquiries in question was unverified with TransUnion. 
TransUnion has violated my rights under FCRA. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. If TransUnion is unable to provide me a copy of verifiable proof within 15 days after the investigation, they must remove the inaccurate inquiries listed below. Thanks for your help with this matter. 

Unknown, unverifiable, invalidated, inaccurate Inquiries XXXX. XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian credit bureau continues to report inaccurate and non compliant information on my credit report. It is reporting a charge off from XXXX XXXX XXXX but that is incorrect. The report is currently and presently stating there is a balance of {$670.00} past due as of XXXX XXXX also states and noted as a charge off ( {$670.00} written off ) This is inaccurate information. Every month Experian is indicating XXXX XXXX XXXX continuously and daily. I am REQUESTING an investigation in the inaccuracy. I have requested by certified mail a written notification and a notice to dispute the inaccuracy on my credit report on 3 separate occasions Experian has apparently violated my rights through the Fair Crefit Reporting Act with their non compliance and lack of due diligence in information verification. The presence of these inaccuracies directly violates the FCRA 's mandate for accurate and verifiable credit reporting. I am REQUESTING an investigation on this matter. I am filing a formal compliant against Experian credit bureau for reporting inaccurate information on my credit report.
Product: Checking or savings account

We moved into XXXX XXXX back in XX/XX/2008. We had to put down at least 2 months rent for Security Deposit which went into an Escrow Account. My mother passed away last year and they tried to say she was the only one listed on the apartment which I proved otherwise. This year I received our Escrow account from TD Bank which is holding the money. It appears that they redid the account taking most of the money and only leaving {$1100.00} in the account which we lived here for 14 years also the Interest is extremely low with an earning of XXXX for a few months. I tried to contact the XXXX XXXX office but they refused to talk to me.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc . ) due to the inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPB ). Specifically, CashApp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act, { EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and i seek appropriate redress for these violations,,,,,,, ,My CashApp info : ( XXXX XXXXXXXX )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX Dispute Department XXXX XX/XX/XXXXXXXX XXXX XXXX Tx XXXX RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ]. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount XXXX XXXX Same account different amount different year over 7 years MUNICIPAl Credit XXXX - Written off : XXXX. 
Over 7 years 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 XXXXXXXX, TX XXXX XXXX XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 

XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. Given the recent CFPB Given the recent CFPB findings, | expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

Sincerely, XXXX XXXX
Product: Credit card

On XX/XX/year>, I attempted to use this credit card to purchase an airline ticket. The company declined the purchase several times even though I had the funds available to cover the purchase. I reached out to their support team and could not get a reason the ticket prices were declined. I then found out they only accepted a partial payment of the costs. ( total costs of tickets {$990.00}, of which they approved {$490.00} and declined {$310.00} ) I tried to get Atlas ( the credit card company ) to approve the other portion of the purchase so the ticket booking could be approved but they claimed they could not. XXXX XXXX canceled my booking and the purchase on same day ( contacted them and confirmed, that due to the entire amount not being approved that they canceled the transaction ). I then requested the company close the credit card account and return the remaining funds I had deposited but they only sent part, ( the total owed me is {$1000.00} but they only approved a transfer of {$590.00} ) claiming the amount pending with XXXX XXXX was not available. I waited the 3-5 days they claimed it would take to get the funds refunded and on day 7 I reached out and the funds still were not refunded. I warned them that I was not pleased and would turn them into the XXXX a manager closed my account and deleted my support ticket chat history.
Product: Debt collection

I contacted Consumer Adjustment Co about a debt I owed to XXXX XXXX XXXX XXXX Mastercard for {$800.00}, now {$1200.00}. I spoke with Mr. XXXX on XX/XX/XXXX, XXXX, XXXX. He claimed they were waiting on the XXXX XXXX XXXX to release the debt I owed them over to them. I was not happy with the waiting, i offered XXXX for the debt, and they said no. I needed to pay XXXX. I said maybe in payments. He never got back to me. I called and spoke with XXXX XXXX. She offered me a deal of XXXX, but claimed they were still waiting on the Bank to release the information. That was on XX/XX/XXXX i spoke with her. I then started receiving calls from XXXX XXXX stating the same of just waiting on the bank of missouri. That was on XX/XX/2017, and XX/XX/XXXX i received a call from XXXX, went to voicemail. I have those voicemails. I called back and spoke with a secretary who told me that a company called XXXX associates would be handling my case now. I told him i never was in agreement with this company, and no longer felt that their practices were lawful. I called XXXX XXXX on XX/XX/XXXX and advised them not to contact me, and that i would make a report to the Attorney Generals office, and the FTC and CFPB regarding the deceptive debt collecting practice. I believe they never owned the debt and took advantage of me by calling them and offering to settle. This debt should be nullified due to i was never agreement with any 3rd parties. This company also told me that they would now collect this debt for XXXX associates and the bank of missouri anymore, and to send them the money. The companies are both the same address and phone numbers attached. I have a copy of the new letter they sent me trying to collect under another name. I waited over 55 days for this company to produce something and they never did, just another collection letter from them with a new name claiming they are the ones that are now owed.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TRANSUNION LLC Subject : Request for Permanent Removal of Fraudulent Account Due to Identity Theft To Whom It May Concern, I am writing to formally dispute a fraudulent account that has appeared on my credit report. I have been a victim of identity theft, and this account was opened without my authorization. Under the Fair Credit Reporting Act ( FCRA ), I am requesting the permanent removal of this fraudulent accounts from my credit file. 

Fraudulent Account Details : Creditor Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$5000.00} Creditor Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$590.00} Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX, XXXX XXXX Amount : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$1100.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$69.00} I have attached a copy of my FTC Identity Theft Report with listed accounts and a copy of my government-issued ID for verification. 

Please conduct an immediate investigation and remove this fraudulent account permanently from my credit report. I request written confirmation once the account has been removed. 

Thank you for your prompt attention to this matter. If you need any further information, please contact me at XXXX or XXXX. 

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

Im filing this complaint because back in XXXX I sent trans Union a letter lettering them k now I checked my credit and noticed accounts on my credit that did not belong to me. They have not fixed nor have the replied to my attempts to correct my reports. The accounts that are included are : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX Please have them delete this information form my report