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

Below is a list of credit inquiries I DID NOT authorize. I called all three major credit bureaus XXXX, XXXX, and TransUnion ) which stated that they would remove them but they remain unto this day. 
XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/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 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 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: Checking or savings account

I have a real estate development company. Regularly deposit and make payments in the {$10000.00} to over {$100000.00} range. I use A Truist account for all disbursements even though I have a real estate development loan with another bank. Friday XX/XX/XXXX I deposited an {$80000.00} check from my account at XXXX XXXX into my account at Truist. Truist places a {$73000.00} hold on my account till XX/XX/XXXX. 

XXXX is happy to provide proof that the check is covered. They can not stop payment on the check since it has already cleared. Truist is unwilling to lift the hold. They have stolen my money over the XXXX holiday so many vendors go unpaid, my project is stalled and I incur finance charges and have to deal with upset purchasers, investors and vendors. 

There is apparently no way to cure this administrative hold. There should be.
Product: Credit reporting or other personal consumer reports

This business loan is a XXXXXXXX XXXX XXXX which the company, XXXX XXXX, I managed was lured into over 6 years ago. The company has made payment to XXXXXXXX XXXX. XXXX XXXX  have charged ridiculous fees in interests. XXXX XXXX XXXX is a corporate loan that is now reported on my personal credit report. I do feel that is a gross above of XXXX XXXX XXXX 's right. 

I want the negative report on my credit report to be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Discover after discovering that there were 3 unauthorized charges totaling more than $ 500+. I reported these charges as fraud and called Discover. I was worried that the charges would post to my statement, therefore negatively impacting my credit utilization, negatively impacting my credit score. The woman told me they would not post. I called the merchant and two of the charge were dropped off of my card. However, 2 days later I look at my credit card statement and the fraudulent charge is included on my statement. I called Discover back and XXXX told me that Discover had no obligation beyond refunding me to not include the fraud on my statement, and submitted the statement to the credit agencies including fraudulent charges.
Product: Debt collection

I checked my credit report when the XXXX breach happened. XXXX  gave me a free XXXX XXXX protection plan. I then requested a free annual credit reports from XXXX and XXXX. I noticed a few accounts that were opened fraudulently. I disputed these accounts a few times. 


PORTFOLIO RECOVERY A - collection for {$370.00} XXXX XXXX XXXX, XXXX XXXX XXXX VIRGINIA XXXX XXXX PORTFOLIO RECOVERY A - collection for {$420.00} XXXX XXXX XXXX, XXXX XXXX XXXX VIRGINIA XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had multiple late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of [ XXXX ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Credit reporting or other personal consumer reports

To the Filthy Disgusting Entities Operating as XXXX XXXX XXXX, a Conglomerate of Corruption making bloody profits of Billions of dollars by XXXX the blood out the veins of ordinary peoples. May the bloody profits that you XXXX out of the veins of consumers, come gushing out of your filthy disgusting nostrils, Amen. 

Your actionsor lack thereofhave collectively caused irreparable harm to my life, financial stability, and peace of mind. Despite my repeated efforts to address the fraudulent and erroneous information you continue to report on my consumer credit files, each of you has displayed nothing but gross negligence and blatant disregard for your legal obligations under the Fair Credit Reporting Act ( FCRA ). 

I have endured years of frustration as you, entities entrusted with the sacred responsibility of accurate consumer reporting, have chosen to uphold inaccuracies, stall investigations, and, in some cases, outright block my access to my own consumer credit reports. These actions are not only unethical but are also violations of the legal framework designed to protect consumers like me. 

Let me remind you that under FCRA 605B ( 15 U.S.C. 1681c-2 ), it is your legal obligation to block disputed information within four days of receiving all required documents. Your collective failure to comply demonstrates a flagrant abuse of power and disregard for the law. 

This letter serves as notice that I will no longer tolerate this disgusting misconduct. You are required to : 1. Immediately block and suppress all disputed information on my credit reports as per FCRA regulations.

2. Provide written confirmation of your compliance with the law within the legally required timeframe.

Regarding the irreparable harm you have caused, I have instructed my attorney to evaluate all legal options to hold you accountable under the fullest extent of the law. All matters of financial recompense and damages will be handled through the appropriate legal channels. 

Failure to comply with your obligations will result in immediate escalation to the CFPB, the FTC, and other relevant authorities. My attorney is prepared to pursue litigation against your organizations if you continue to ignore the law and my rights as a consumer. 

This is your final warning to act responsibly and comply with the law. Unlike your organizations, I stand by the truth and the principles of justice. 

Yours with disgust, XXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and all other incoming deposits. Capital One is claiming technical issues which are potentially in violation of the EFT act as it requires a timely access to funds. This is a violation against the consumer and I request a prompt investigation.
Product: Debt collection

The following happened : 1. My husband and I moved into XXXXXXXX XXXX XXXXXXXX XXXX XXXX. 
2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and making it impossible for me to take thXXXX XXXX XXXX XXXX XXXX. 
3. I informed XXXX of the XXXXXXXX XXXXy for me to move. 
4. They refused to let me out of my lease. Instead of arguing, I paid the remainder of the annual lease and moved out two months early. 
5. They sent me a bill I disagreed with. In this email, I responded promptly. XXXX never replied to any of the written correspondence. 
6. After moving and while recovering from the total ankle replacement, this was placed on my credit. 

It's fraud and bad business, and discriminatory towards a person with XXXX. I paid the full annual lease and left the apartment in perfect condition. Please remove from my credit.
Product: Credit reporting or other personal consumer reports

I paid my credit card in full back in XXXX and the XXXX XXXX has been reporting each month to Transunion and TRANSUNION has not updated my credit card to {$0.00} so my utilization now looks like I am at 85 % and it is affecting my credit history and score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to and was approved for a credit card with XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX in XX/XX/2016. I have made all payments on time. This account has not being reported to any of the THREE MAJOR credit bureaus, such as Equifax, XXXX or XXXX  as an account and one in good standing. The credit card limit is {$6800.00} Please have them ( XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX  ) report this credit card account to Equifax, XXXX  and XXXX  Credit Bureaus as it is positive credit history with a balance of {$00.00} with on time and no late payments, that will inevitably be favorable on my credit report and will help to increase the score.
Product: Credit reporting, credit repair services, or other personal consumer reports

New Updated information in regard to CFPB complaint # XXXX In accordance with the Fair Credit Reporting Act Equifax account number XXXX

has violated my rights.15 USC 1681 Section 602 states I have the right to privacy.15 USC 1681 Section 604A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. Also 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Attached is a dispute letter with accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Bank whose address is : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Phone ( XXXX ) XXXX wrongfully reported to all three credit reporting bureaus that may credit card account which I have with this bank last four digits # XXXX, is late and past due for the months XXXX and XXXX XXXX XXXX.As a result of this clerical mistake my credit score went down XXXX points, and I have lost access to a wide array of financial products previously available to me. All payments on this credit accounts have Despite these attempts, been made and sent by me to XXXX XXXX Bank in time. In good faith I have disputed this issue with all three credit bureaus Transunion, XXXX and XXXX, asking them to remove erroneous information from my credit reporting files submitted by XXXX XXXX Bank. Despite all these attempts erroneus negative information stayed in all my credit reports. I also sent a letter to XXXX XXXX Bank explaining the situation and asking them to remove erroneus negative information from credit bureaus... I have never received any answer from XXXX XXXX Bank. I have excellent credit and have never been late with any of my payments. Here I am, respectfully asking CFPB to take into consideration all the facts mentioned above and care for a full investigation.Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX  # XXXX and 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 XXXX # XXXX and XXXX, XXXX XXXX XXXX  # XXXX and XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Also these accounts are reporting inaccurately and shows differend kinds of account numbers : XXXX XXXX Experian XXXX and XXXX XXXX, XXXX XXXX Experian XXXX and XXXX XXXX XXXX XXXX Experian XXXX and XXXX XXXX
Product: Debt collection

I had defaulted on a credit account that went to collections at XXXX XXXX XXXX in XXXX, XXXX. I enrolled in XXXX XXXX XXXX who negotiated a settlement with the debt collector in XX/XX/year>. The first of XXXX installment payments was received with the signed release on or after XX/XX/year>. On XX/XX/year> the XXXX collector filed a complaint against me XXXX  # XXXX. This debt was settled so why am I now being sued? What action if any can be taken against the debt collector for harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT SEVERAL CERTIFIED LETTERS ( VERIFICATION LETTERS ) TO BOTH THE CREDIT BUREAUS AS WELL AS COLLECTION AGENCY COMPANY Ive received a copy of my credit report and they are still claiming I have an account with them or I owe them something. I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with because they are a 3rd party collector, they have no permission to furnish any information on my credit report in the first place. The law states that before you collect any information, about me, you have to get my authorization to access my credit report for any reason. they didnt do that first, and theres no way I would ever give a slimy collection company permission to slander me on my credit reports THE COLLECTION COMPANY STILL USING XXXX ACCT NUMBER AS CURRENT BUT ITS CLOSED XXXX AS WELL AS USING THERE ACCT # XXXX IN WHICH I HAVE NO CONTRACT WITH
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act these accounts below have violated my Rights XXXX XXXX account # XXXX XXXX XXXX XXXXccount # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # 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
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain fraudulent accounts on my credit report as a result of identity theft. This request is made pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ). 
The following accounts have been identified as fraudulent : XXXX. XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$750.00} XXXX. XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$15000.00}
Product: Mortgage

rvest Central Mortage is overcharging for closing documents. They give you an estimate prior to closing they call it a Release Fee, If you request a receipt they instruct you to perform the labor to go to the county and get it yourself. In my case the actual cost of said fee from the county was lower than the estimate, and they never returned the money even after I sent certified mail requesting the difference. This is fraud.

Arvest Central Mortgage has fraudulently charged fax fees. Arvest Central Mortgage has not provided any specific written documentation within loan documents nor recordings from Arvest Central Mortgage automated system as repeatedly requested since XX/XX/2020. As such the ( 2 ) {$15.00} fax fees are being viewed as fraudulent charges. If a refund of {$30.00} is not received within 30 days this charge will be viewed as fraud and legal action will be taken immediately. 

Arvest Central Mortgage has caused me to perform labor and mailing cost in which they refuse to reimburse in which is in violation of the Constitution as I owe no one involuntary servitude. Arvest was made fully aware of labor fee cost.

.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
RESIDENT VERIFY Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

[ This is a duplicate complaint to # XXXX as I needed it sent to four companies and I can only send to three at at time. ] This complaint is against XXXX XXXX in reference to CFPB complaint # XXXX 

XXXX XXXX XXXX XX/XX/XXXX response to this complaint was : " DESCRIPTION OF NON-MONETARY RELIEF We sent an update to the credit bureaus to reflect the account status as Paid in Full effective XXXX " This has not occurred, according to a credit report ( via XXXX ) by : Equifax, on XX/XX/XXXX -- Current Status of XXXX  account : " Charge-Off '' Status of : XX/XX/XXXX XXXX  on XX/XX/XXXX Current Status of XXXX account : " Charge-Off '' Status of : XX/XX/XXXX XXXX  on XX/XX/XXXX -- Current Status of XXXX account : " Active '' Status of : XX/XX/XXXX I contacted XXXX via phone on XX/XX/XXXX who verified the data on the XX/XX/XXXX report. I filed a dispute during this phone call. 



Since XXXX 's XX/XX/XXXX written resolution, I have been accessing updated credit reports on a monthly basis, which have displayed data similar to the current reports. I had followed up with XXXX XXXX representative and connected with her by phone, twice, over the past two months. I was told that the lack of changes or the incorrect changes to the status ( both exist ), were part of the updating process and to wait another 30/60 days. 
Finally, XXXX XXXX  representative told me that if the credit reports ' data remains incorrect after XX/XX/XXXX, it is now an error with the bureaus and not with XXXX XXXX. 

-- -- -- -- -- - I am also filing a slightly modified complaint with CFPB addressing the credit bureaus, since I have no ways to verify whether this is an error from XXXX XXXX or from all three bureaus. 

I will be addressing this with Connecticut 's Department of Banking, per my attorney 's recommendation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting incorrect and inaccurate information to my XXXX  credit reportsWhich is a violation of the

FCRA.Im requesting them to furnish and provide me with proper documentation.Which will properly verify the legitimacy of the accountThey must I by federal law provide information.Which properly verify the account..I want a copy of the original credit agreement with Terms and ConditionsI also want a copy of all my statements for history of the account If you dont supply me with what Im asking for I will file a lawsuit in US District Court pay the {$500.00} filing fee.Then I will request legal discovery and ask the judge for the right to subpoena documentsThen you will be legally obligated to supply me with the documents. Im not playing Im giving you 30 days to get me what im asking for I will contacting the South Dakota Attorney General The Comptroller of the Currency and Maryland Attorney about this matterThis is a serious civil matter
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 1. XXXX XXXX, Account # XXXX XXXX. XXXX XXXX Account # 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 : Also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any 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 ) States 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: Mortgage

a qualified written request was submitted to bayview loan servicing on two separate occasion with no response to the request on XX/XX/XXXX and XX/XX/XXXX as per in sub title E Mortgage Servicing of the Dodd- Frank and Consumer Protection Act Bay View had 5 days to response by mail and must provide a substantive response to the borrower within business 30 days, THIS has not happen but bayview loan servicing is moving forward with the foreclosure and according to a letter date XX/XX/XXXX stating that bayview was still in the process of a resolution of the matter of the loan modification with a proposed resolution date of XX/XX/XXXX, so while bayview was telling me this they still had a sale for XX/XX/XXXX we called everyday this week to get an answer and nobody would tell us anything until today that the sale was still moving forward even with a pending answer on the loan modification and violations of the dodd- frank and the consumer protection act, there intent was to foreclose without any regard whatsoever.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit reporting act XXXX  account XXXX XXXX XXXX, has violated my rights.

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 consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

I applied for help in XX/XX/XXXX due to losing my job as a XXXX XX/XX/XXXX. I never missed a payment when I was employed. Once I depleted my unemployment I applied for a modification. The company denied my modification stating that I didnt live at my house. Which is incorrect I have documentation and address visage information from the post office stating when my address was changed a month after closing. The company did not uphold my pledge for help and they denied me from selling the home. Currently the mortgage is XXXX pass due and company collections calls me daily harassing me for payment. They purposely want to foreclose on my home because they are not operating in good faith.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$710.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$500.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$300.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$00.00} INQUIRIES : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX Date of InquiryXXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/2020 XXXX Date of Inquiry : XX/XX/2020