23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

please find attached the FTC application and the dispute letter which also has been sent to transunion many times, the account in question has no delinquency, specially if the creditors letter ( attached ) is the proof, please find attached the creditors letter as well, which they are able to remove the negative from my credit. 
thank you for your help
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts below are being reported as open collection, past due, etc. These accounts are in valuation under FCRA compliance. 
This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report to my email. When the above collection is deleted and has been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account listed on my credit report, called Goldman Sachs Bank USA, which date was opened on XX/XX/2018. I have disputed this fraudulent account with XXXX and they have not removed this account from my credit report and XXXX and Goldman Sachs Bank USA is violating the fair credit reporting act by reporting inaccurate information on my credit report. Please remove this fraudulent item immediately and if it is not removed, then I will be filing a lawsuit against XXXX and Goldman Sachs Bank USA for not removing this fraudulent item from my credit report and not being in compliant with the FCRA. I have attached a police report and affidavit which I already reported to credit bureau already and they have some kind of way verified it accurate and it is not my account.
Product: Credit card

I applied for a card i was asked to upload documents which i did, i have not gotten an update i called asking for answers was told to send an email i sent an email and was told they got the documents but they wouldnt be reviewed until a weeks time, not an answer or an excuse i want my application processed.
Product: Credit reporting or other personal consumer reports

XXXX, Transunion and XXXX are reporting information on my credit report that dont belong to me. I also dont have any Knowledge of these inquries that are listed below : 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 XXXXXX/XX/XXXX When a credit reporting agency makes a mistake in your credit report, it can cause serious problems. However, the FCRA offers you protection from credit reporting agencies and creditors who report erroneous credit information, fail to remove errors, or use your report for forbidden purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX the XXXX  Fire started and I was evacuated from my home fearing my life and not knowing whether i would have a home to come back to. I was evacuated for several weeks living out of hotels and accruing costs for food and housing that was completely unplanned.Unfortunately with all the chaos going on I fell behind in some bills. I contacted Citi Cards to let them know my situation and to make a payment arrangement. At the time my account was already past due. I pleaded with them my situation since prior to this my account was always in good standing. They refused to remove the late fee. I was not able to occupy my home until XX/XX/XXXX. Other credit card companies have been willing to work with me. I noticed that I know have a 30 day late notice on my credit report. The only negative mark on all of my 6 credit cards, car loans etc. I disputed it on my credit report and still they are reporting the information as accurate. They have now lowered my credit limit. After increasing my limit on XX/XX/XXXX to {$15000.00}, they have lowered my credit limit following my dispute to {$1600.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX for XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ; Case XXXX ( Need Wet Ink Signature on The Unauthorized Fraudulent Accounts } I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Trans Union XXXX 
Given this significant impact this identity theft has had on my life, I demand that Trans Unions remove these fraudulent accounts from my credit report. This situation is further compounded by data security breaches, involving the XXXX XXXX XXXX, exposing my information to misuse. I demand the immediate removal of these fraudulent accounts from my credit report, especially given the impact of recent data breaches. Under the FCRA ( 15 U.S.C. 1681c-2 ( a ), Trans Union is legally required to block and delete the information resulting from identity theft upon receipt of a suitable report, which I have provided on multiple occasions. The unauthorized accounts linked to my Name, Social Security number, and Personal information are : 1. Account Name : XXXX  XXXX XXXX : Account Number : XXXX : Balance : {$27000.00} : Opened : XX/XX/XXXX XXXX. Account : XXXX XXXX Account XXXX : XXXX : Balance : {$3200.00} : Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX : Balance : {$4500.00} : Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX- Account Number : XXXX : Balance : {$2400.00} : Opened : XX/XX/XXXX XXXX. Account Name : XXXX  XXXX XXXX XXXX  - Account Number : XXXX : Balance : {$1600.00} : Opened : XX/XX/XXXX XXXX. Account Name XXXX XXXX XXXX XXXX XXXX  - Account Number : XXXX : Balance : {$2600.00} : Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX : Balance : {$6000.00} Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX- Account Number : XXXX : Balance : {$3600.00} : Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX- Account Number : XXXX : Balance : {$440.00} : Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX : Balance : {$380.00} : Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX- Account Number : XXXX : Balance : {$1300.00} : Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX- Account Number : XXXX : Balance : {$110.00} : Opened : XX/XX/XXXX It is unacceptable, and a violation of federal consumer protection laws, that I continue to face harassment and fictitious debts due to these unauthorized accounts. Trans Unions failure to delete these fraudulent entries will be direct violation of my rights under FCRA Section 605B ( 15 USC 1681c-2 ( a ) ).
Product: Mortgage

I was late with my monthly payments ( 4 months ) but always informing SHELLPOINT MORTGAGE SERVICING who were saying they will help and find a solution. I kept contact. Im XX/XX/XXXX They offer me a trial period to avoid foreclosure ( Streamlined Modification Solicitation letter ) starting XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and said if i honored the 3 payments the will come with a modification plan. <P/>I made sure i sent my checks before each due date and controlled checks on my bank account were debited accordingly. <P/>XX/XX/XXXX i called them ( again ) to know what s going to happen in XX/XX/XXXX. That is when they told me they never received my XX/XX/XXXX payment. Since i sent them twice the proof they cashed my check. they are now telling me this morning my file is in Foreclosure. They never replied to any of my email or try to established live contact with me
Product: Credit reporting, credit repair services, or other personal consumer reports

Have on credit report that i owe them money-which i do not, nor have ever done business with them or any affiliates 2 charges from KLS/XXXX and a charge off by XXXX all inaccurate and don't owe them any money-needs to be removed from all credit reporting agency 's
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX XXXX  Account Number : XXXX TransUnion/ XXXX / XXXX XXXX XXXX  Account Number : XXXX TransUnion/ XXXX/ XXXX XXXX Account Number : XXXX TransUnion/ XXXX/ XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX Balance : {$400.00} ; NAVIENT XXXXBalance : {$16000.00} ; NAVIENT XXXX Balance : {$5600.00} XXXX NAVIENT XXXX Balance : {$110000.00} ; NAVIENT XXXX Balance : {$2200.00} ; XXXX XXXXXXXX XXXX Balance : {$120.00}.
Product: Checking or savings account

Cricket debited my account after I transferred my line to tmobile. XXXX hs a no refund policy & since i dont have an account they told me to contest it thru my bank. XXXX charged my cash app card so i contested it & cash app denied it. I contested it again and denied it and advised no error was made. I need tht money back.
Product: Credit card or prepaid card

I purchased a {$200.00} gift card with a debit XXXX  logo. I tried to register the card, check the balance on the card, make an online purchase with the card and use the card a debit card. Nothing works. I tried going to the website listed on the card and it is not accepting the number. The store I purchased it from will not refund my money.
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 consumers rights to privacy and confidentiality under 15 U.S.C 1681. 

Account name : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S, C 1681 section 602 A. States i have a 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 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 persons know or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

a large amount of charges were made on a card that I was not in possession of. There were no outreaches to me at any point to maybe confirm if the charges were legitamate they just allowed the charges to pileup till the card was maxed out and I had no k

nowledge of payments so my credit report was getting hit with delinquent notices which negatively impacted my credit score. Also, the gentleman who I first spoke to on the phone was rude and was suggesting that I was dodging payment and it took entirely too long to just be transferred to the fraud d
epartment to start my claims because the initial rep was I think determined to get a payment of some sort I dont know but if I call in saying I need to speak with the fraud department the last thing I need is someone on the other end suggesting that had I just made my payments this could have all been avoided.

If the card had been cut off when suspicious charges first started I could have avoided this whole mess of filing fraud claims and having to dispute things across multiple entities in an attempt to get my credit report fixed as prior to this credit card situation my credit had been stellar.
Product: Money transfer, virtual currency, or money service

On XX/XX/2017 I withdraw {$200.00} dollars ( XXXX {$20.00} XXXXr bills ) out of a Wells Fargo ATM machine located at XXXX XXXX XXXX. XXXX  of the {$20.00} XXXX bills dispensed by the ATM was mutilated missing about XXXX of the bill. I immediately called Wells Fargo to inform them, but they redirected my to my bank XXXX XXXX XXXX XXXX because they said " I do not have a bank account with Wells Fargo. '' I then called XXXX XXXX and filled a claim with them. After about 2 months of not hearing from XXXXXXXX XXXX, I finally called them and was told that no claim had been filled back when I called in XXXX. A claim was finally filled then, and after waiting 2 additional weeks I finally got a letter from XXXX XXXX stating the following : " We are unable to file a dispute for a torn bill. The dispute process governs the results of the transaction, not the condition of the bills provided. 
We regret that we are unable to assist you with your dispute. If you wish to pursue this matter further, we suggest that you contact the merchant directly. As of the date of this letter, your dispute claim has been closed. '' After reading this letter I called XXXXXXXX XXXX for further explanation and was told that they are not responsible for the condition of the bills or money dispense by other ATMs, including Wells Fargo, and was provided information and website on how to contact the U.S. Department of Treasury for a bill exchange, and/or was told that I could try to discuss the matter further with Wells Fargo. I then called Wells Fargo and was told by 3 different individuals that they are not responsible for the condition of the bills/money they dispense because the ATMs are serviced by third party companies who have their own procedures, and that they could not file a claim for my complaint because I am not a XXXX XXXX costumer. I was again provided information on how to request a bill exchange with the U.S. Department of Treasury if I so desired. 

I would really appreciate your assistance in trying to understand, how is it that banks are not directly responsible for the quality of the money/bills that they dispense out of the ATMs? Why does Wells Fargo charge me a transaction fee if they are not going be responsible for malfunctioning of the ATMs? I would really hope this is not true or else what assurance do we customers have that we will be properly refunded if the money dispensed is not in an acceptable condition or there are any other problems during a transaction. 

Thank you in advance! 

XXXX
Product: Credit reporting or other personal consumer reports

ON APPROX. XXXX XXXX XXXX I DISPUTED A FEW STUDENT LOANS ON XXXX, EXPERIAN AND XXXX CREDIT REPORTING AGENCIES ALONG WITH ( 3 ) CLOSED ACCOUNTS THAT STILL SAY THEY ARE CURRENTLY OPEN ON MY ( 3 ) CREDIT REPORTS. I WAS ADVISED THAT THE COMPANIES HAD 30 DAYS TO RESPOND. THOUGH I NEVER RECEIVED ANY CORRESPONDENCE BACK FOM THE COMPANY ; HOWEVER, THE CREDIT BUREAUS ONLY EXPLAINED THAT THE DEBT WILL REMAIN ON MY CREDIT REPORTS AND MY DISPUTE HAS BEEN CLOSED. I ATTEMPTED TO REBUTTLE THE DISPUTES BUT THE BUREAUS STATED I COULD NOT REOPEN ANY DISPUTES FOR THE SAME ACCOUNTS. THIS SITUATION HAS CAUSED A SIGNIFICANT HARDSHIP. THE NINCLUSION OF THESE ACCOUNTS HAS HAD AN ADVERSE IMPACT ON MY CREDIT STANDING AMD FINANCIAL WELL-M BEING. I BELIEVE THERE ARE U.S. CODES GROUNDS FOR THEIR REMOVAL.
Product: Credit reporting, credit repair services, or other personal consumer reports

Opened XX/XX/2013 ( 6 yrs, 1 mos ) XXXX XXXX XXXX i was victim of fraud with this account on my XXXX and experian report with the dates listed. it is very much a problem, thank you for your help.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Date of Inquiry : XX/XX/year> Account Name : XXXX XXXX Date of Inquiry : XX/XX/year> Account Name : XXXX  Date of Inquiry : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to Equifax credit bureau disputing this Account with ( XXXX XXXX ) as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( THEIR METHOD OF VERIFICATION ) Equifax has failed to present me with proper documents that show their method of verification. Equifax has also failed to show me original documents bearing my signature with this account. This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. XXXX & XXXX DELETED THIS ACCOUNT FROM MY CREDIT REPORT FOR REPORTING INACCURATE, UNVERIFIABLE INFORMATION. THIS ACCOUNT NUMBER was ALSO INCOMPLETELY REPORTING FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING LATE, WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. All were reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and XXXX XXXX. I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Product: Payday loan

I continually receive offer letters that include a " loan check '' for $ XXXX {$5000.00} from Regional Finance Corporation of Texas XXXX These letters are unsolicited and include a " check '' that could easily be deposited by anyone claiming to be me. 

These " loan checks '' are charging a XXXX % APR with a mandatory $ XXXX XXXX time fee ' and are incredibly shady about the terms of the loan.
Product: Checking or savings account

Chime XXXX  bank unjustifyingly closed my debit checkin savings and secured credit builder chime card accounts on Tuesday XX/XX/2023 without refunding their promotional referral rewards bonuses to me and or my accounts. 
Both them and I have been tirelessly advertising and promoting their service sporadically over the last twenty years or so now and I have not been credited and or paid.
Product: Student loan

On XX/XX/XXXX I checked my account as I made two recent large  payments, one of which was canceled upon my request as it was made from the wrong bank account. I had decided to also check my account history for the life of all loans. I noticed " loan sale '' in the list of transactions and I called to inquire about it. The representative suggested I sort the history " by loan '' and I will see that a loan sale is the transfer from one service provider to another and it will not impact my balance. Sorting " by loan '' did show the additional column of " balance '' which helped me understand that my balance had not been impacted by this loan sale transaction. 

Upon further review, I noticed that on 9 different signature student loans, my entire payment being made ( one lump sum payment made and spread across all loans ), 100 % of the payment was going towards interest only from XX/XX/XXXX to XX/XX/XXXX. 

For 6 years, ( a total of 68 payments ) my payments were only being applied to interest. Over that period of time, I paid {$17000.00} in interest only while my principal balance was not impacted. I checked my wife 's account with Sallie Mae/Navient as well as my own Stafford loan I also had through this company and these loans were not treated the same way. 

My Stafford loan payment application was roughly 85 % principal and 15 % interest for the life of the loan. My wife 's loan which is the same loan type as the 9 aforementioned loans of mine, had a payment application of roughly 50 % principal and 50 % interest and had increased to roughly 75 % principal and 25 % interest later on in the life of the loan. 

I was never educated on my loan payment application percentages and I never gave permission for interest only payments for the period of XX/XX/XXXX to XX/XX/XXXX. I never made any changes on or after XX/XX/XXXX to payment application percentages. The company made these changes on their own accord without my knowledge. 

This has caused me to overpay a large amount of interest. With my principal balance not changing for 6 years, the interest on XX/XX/XXXX and after XX/XX/XXXX was based on a much larger principal than it would have otherwise been, had the payments been properly applied to both the principal and interest.
Product: Mortgage

I filled out a survey for XXXX  XXXX, where I only entered high level information about my situation. I never entered my social security number or any detailed information and my credit score got hit because it says I applied for a loan with One Main?