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

I am writing to dispute the following information in my file. Below you will find description of the item on my credit report I am disputing. 

I have an Inquire from XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, 2016 which I do not recognize. I did not and have not approved this in any manner. This information was reported incorrectly on my credit report and is affecting my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX, XXXX, XXXX  ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX  GA XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX Balanced : {$3300.00} XXXX XXXX Balanced : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit card

Summary of Issue : Since XXXX, my Milestone credit card account ( now managed by Concora Credit ) has been frozen due to a fraud alert, likely triggered by not updating my address after moving. To resolve the issue, Ive been required to fax or mail a copy of my ID for verification. Despite submitting my ID three times, my documents have been rejected each time for being not clear enough, even though Ive taken steps to ensure the quality of the submissions. Attempts to resolve the matter through customer service have been met with a lack of helpful guidance, aside from waiving one monthly fee. As a result, Ive been unable to access my credit funds for nearly two months, causing significant inconvenience.
Product: Credit reporting or other personal consumer reports

The late payments shown are inconsistent with my regular payment behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert on my credit report showing that an unpaid balance of rent was owed to an apartment complex by the name of XXXX XXXX XXXX..I called the complex and tried to explain that I never lived there..They are not even under the name XXXX XXXX I ask them to send me proof of who they had listed under my name they kept giving me the run around and could never show proof that the apartment belong to me do I called the credit company that it had been reported to and spoke with a gentlemen several times trying to explain he was not listening to me at all and was determined that I was responsible I even tried to ask how much of this debt I could pay to get it off my credit and he was not willing to negotiate he threatened to take legal action and I have challenged this over and over and still cant come to any resolve. The company that has this false debt is National Credit System located some where in XXXX GA
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My son XXXX XXXX. He had Citibank account in XXXX, Fl. I took A trip to the branch and handed XXXX XXXX the XXXX XXXX and told him my son XXXX XXXX and that the lawyer needs print outs of what is in the account. I gave him all the information he needed to provide my lawyer. He gave me a card and said that He would take care of it and that I should call him in a week. I had to go back to South Carolina and I continued to call and leave messages. Its going on 3 weeks and I havent heard back from XXXX and I have not heard from any of the representative from that branch. I called every number I can to have someone help. I need this paperwork for the lawyer and no one wants to help me. Please contact me I am Current at my daughters XXXX
Product: Money transfer, virtual currency, or money service

The history of what occurred is as follows. Around XX/XX/XXXX I transferred {$500.00} from my bank account to my coinbase account and purchased XXXX XXXX, using coinbase. I then transferred this to my Coinbase wallet from my coinbase account. This XXXX XXXX was used in a mining pool with metaminer and stayed in the wallet and it stayed there. I withdrew a portion of this to ensure there was no issues with my coinbase wallet. There appeared not to be. On XX/XX/XXXX I deposited approximately XXXX USDT From my coinbase account to my coinbase wallet to store XXXX XXXX. On XX/XX/XXXX, it just disappeared and somehow, coinbase allowed this to automatically happen and allowed automatically transferring these funds to metaminer. XXXX would not release without ransom fund. I contacted metaminer and they attempted extorsion for {$30000.00} XXXX. I thereafter telephoned coinbase as I did not approve this transfer. XXXX - Call for US Coinbase Support from XXXX at XX/XX/2022 XXXX XXXX No steps were taken by the company based on my conversation and I am fully aware that Coinbase must be is aware of such nefarious site, but had nothing in place to protect clients from this. XXXX metaminer had direct access to my wallet. Coinbase, automatically transfer funds from coinbase wallet to metaminer and Coinbase denied responsibility. I have filed a follow up complaint [ Reply ] XXXX # XXXX - Complaint # XXXX and this is follow up to that. 
Since that time I have worked with a 3rd party payback LTD and we have drafted letters and have reached out to Coinbase on numerous occasions explaining the situation and need for them to take responsibility for this fraud as there was absolutely no protection and funds were automatically transferred to this nefarious site. Coinbase, stated although the metaminer site hacked their wallet, they had no responsibility for this and would not assist in funds retrieval.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue goes back to XXXX crisis - We have paid our mortgage and requested assistance from our mortgage company SPS - Basics are in XXXX they told us they wouldn't help us unless we stopped making our mortgage payments. We stopped In XXXX they decided to foreclose - we were not willing to do that - we have many assets and decided to do a XXXX XXXX Bankruptcy. XX/XX/XXXX. We paid our mortgage and bankruptcy every month and was to be discharged XX/XX/XXXX. When the Trustee sent out the statement to creditors that they were discharging the bankruptcy there was a statement sent to us in XX/XX/XXXX that stated we owed an additional 3 months. 
With much back and forth conversation between our lawyers and SPS Lawyers, we paid what they stated we owed to be worked out later as to not upset our credit coming out of Bankruptcy. the Bankruptcy was discharged in XX/XX/XXXX. On one credit report it states Dispute resolved ; reported by grantor. But when I go into history it says 90 delinquent as of XX/XX/XXXX. 
We discovered this when we applied to refinance our mortgage which is over 7 % interest. 
We have been paying for 17 years and have about {$12000.00} equity in our home. We want to refinance with the low rates but run into roadblock with this on our credit report. 
I disputed it with SPS and they stated that they stopped reporting when we went into bankruptcy and then when it was discharged we were behind. We had no account of this on our statements and was shocked to see the statement owing over {$12000.00}. 
I do have all the documentation from the 15 years statements, payments bankruptcy, discharge etc. 
I have provided this information to SPS and have attached what seems to be the months in question, XXXX, XXXX, XXXX of XXXX and coming out of Bankruptcy with an amount due in statement of {$12000.00}. 
What is extremely curious about this is I have three XX/XX/XXXX statements. 
1- Dated XX/XX/XXXX due XX/XX/XXXX - {$2600.00} 2- Dated XX/XX/XXXX due XX/XX/XXXX - {$5300.00} ( was paid in the grace period after statement ) XXXX Dated XX/XX/XXXX says Loan date XX/XX/XXXX due XX/XX/XXXX - {$12000.00} None of the statements for XXXX, XXXX, XXXX, XXXX or XXXX had a delinquent amount due. The amount in question was {$7600.00} supposedly that is 3 months but the math does not equal this amount. 
XXXX XXXX = {$7900.00} It is all very confusing to us. We then this year received a check from SPS for an over payment. We have continued to pay on time the amount of {$2600.00}. then when they did there end of the year audit they sent us a check for {$2600.00} said it was over payment. 
We have multiple inquiries and conversations with SPS ourselves as well as our attorney who deals with debt and bankruptcies all the time and has not ever encountered this level of difficulty in working with a mortgage company.
Product: Mortgage

I have been attempting to remove the PMI on my property for 6 months now. My property does not meet the qualifying pay-off amount, however ; the value has increased by more than enough, and I am attempting to initiate a valuation to prove that. 

The first time I requested the document, it as right before the holidays, and I didn't see it until it was too late to mail the proper documents and payment. That was my mistake. 

Since then, I have requested it 4 times. Each time I received an e-mail confirmation that the document was sent to my online document center. When I checked the documents, a new document was not there, or I was sent an expired document. Most recently, I reached out to customer support about this after not receiving anything for multiple weeks after my request and e-mail confirmation. They claimed they would resubmit the request for me, but they did not. They actually just sent the document from my previous request ( XX/XX/2024 ), which was not available before, hence why I reached out to customer service. I received the e-mail confirmation for this on XXXX, which is the exact day that document expires. I still do not have any document related to the XX/XX/2024 e-mail notification. 

XXXX also seemed uneducated on the process, or blatantly lying to end the conversation. See attached conversation for details. 

I do not know if their is an internal issue that is sending notifications, but not presenting the documents, or if this is an intentional effort to discourage PMI removal in the current housing market, but either way it is very inconvenient and ethically bankrupt. 

Thank you for your time and consideration in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending a complaint to you today to notify you that I was the victim of identity theft. I read up on how to eliminate the fraudulent items from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to delete these items listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX XXXX : {$440.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

There is a company collection account on my credit report called XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX and the account number is XXXX for a balance of {$820.00}. I believe that this is fraudulent account because on my Equifax report it is saying that this account was opened on XX/XX/year> and this is not true. I would like you guys to delete this account from my credit file because its not my account. I'm gong to upload information that can verify my identity such as a Massachusetts ID card and copy of my U.S. Passport and Social Security card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, 2018, I disputed a 30 day mortgage late inaccurately reported on all 3 credit reporting. The dispute resulted in the deletion of the 30 day late by all 3 credit reporting agencies. 

On XXXX XXXX the 30 day late was reinserted into my credit file by Trans Union only. From that date until XX/XX/XXXX, I was never informed in writing by the mortgage provider ( XXXX XXXX XXXX ) or the credit reporting agency of the reinsertion. On XX/XX/2018 I informed Trans Union of the reinsertion and subsequent non-notification. Trans Union subsequently removed the 30 day late for the 2nd time. 

On XX/XX/2018, Trans Union AGAIN reinserted the 30 day late into my credit file. On XX/XX/2018 I have not been informed in writing of the reinsertion by XXXX  XXXX XXXX XXXX Trans Union.
Product: Credit card or prepaid card

After being a Chase Card customer for well over a decade, was offered multiple solicitations for acquiring new credit cards with Chase - all with bonus airline miles and hotel points. Was approved for all ( 3 ) new cards with No annual fee for 1st year. After less than 2 months with payment always paid as agreed, Chase closed all my cards. One of my ( 3 ) approved new cards was never activated but was sent to me.

Chase has done harm to my credit, has charged me an annual fee even though they cancelled my account, failed to credit my points for both airlines and hotel, failed to credit up to {$100.00} for XXXX enrollment and failed to credit airline charge as agreed upon
Product: Debt collection

I have received a letter from CBHV stating that I owe XXXX in an XXXX bill. I never in my life lived at the address I dont live in XXXX and never took out service in XXXX XXXX I take this matter very seriously and need this resolved ASAP. Also show me proof that I opened this account I have never in my life did any business with XXXX.
Product: Money transfer, virtual currency, or money service

Square.com is attempting to deduct {$600.00} from my checking account. They are charing it to my square business account, XXXX XXXX. It is registered to my email address of XXXX. I have contacted the company multiple times. 

I received a VERY vague email from them stating that the funds were owed on another account under the name XXXX XXXX or ( XXXX XXXX ). A name that is not associated with my company in ANY way. That person as I researched does not even live in the same county. XXXX is simply attempting to deduct the money based SOLEY on the last name. I have argued with them, sent letters, and emails. Their staff who work in the financial department do not even take phone calls, why should be illegal. XXXX was forced to comply and take calls, Square should as well ... especially when scamming money from businesses. 

I want the harassment to stop. My company, XXXX XXXX, DOES NOT owe {$600.00} and the name XXXX XXXX is NOT affiliated with us in ANY way. XXXX is simply using the last name, which matches mine, to attempt to recover money they lost on another account that is in no way associated with my or the business. The account under " XXXX XXXX '' is not linked to my SSN, DLN, ADDRESS, bank account. 

On XXXX Square downright refused to allow me to speak with Account Recovery. The customer service rep, XXXX, was less than helpful. I was told, after finally being able to get through to a live person that there " account recovery '' department can't take calls. I was advised to email them. I have emailed them numerous times with zero response. I have attached the only emails I have ever received from them
Product: Checking or savings account

America first credit union is refusing to dispute a charge for an item that was not received.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX Account # XXXX from XXXX XXXX XXXX ; XXXX account number XXXX ; XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Account number XXXX ; XXXX XXXX  account number 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 a account without my written instructions
Product: Credit card

Vystar Credit Union charged me late fees during the Hurricane Milton a natural disaster area in which I was effected
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I got a notification from XXXX XXXX stating that I have a new inquiry on my report from XXXX XXXXXXXX bank and I called them to see why they running my report and they said someone tried to get a XXXX card in my name and I explained to them that it wasnt me because I already have two XXXX XXXXXXXX cards. On XX/XX/XXXX I was notified again that I had a new inquiry from XXXX so I called them and they told me that they didnt see a application for a credit card but I also explained to them that the inquiry was on my report and once again I didnt apply for any new cards.
Product: Money transfer, virtual currency, or money service

am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting or other personal consumer reports

My identity was compromised across multiple financial institutions, including the IRS. I promptly contacted the credit bureaus to dispute and remove the fraudulent negative items that have impacted my credit report. However, despite my efforts, I have yet to see any corrective action from Experian, XXXX, or XXXX. 

The issues began in XX/XX/year>, when I attempted to file my extended tax return and was informed that it had already been submitted fraudulently. Shortly thereafter, I discovered unauthorized activity in one of my bank accounts, resulting in missing funds. The ongoing effort to clear my name has caused significant hardship. 

In addition, creditors with whom I have never conducted business have started appearing on my credit report, further damaging my financial standing. I am seeking the Consumer Financial Protection Bureaus ( CFPB ) assistance in ensuring that the credit bureaus remove these erroneous and derogatory entries from my credit report.
Product: Mortgage

Refinance my mortgage paying off the mortgage I had with Suntrust on XXXX XXXX, 2015. They ( Suntrust ) was supposed to send me a cheque with my balance on the escrow they are holding for the amount XXXX. Up to today I have not received the fund. They are claiming that they have send me by check the above amount and I have not received it. Let me point out no letter has been lost and I have even received their latest communication final escrow account disclosure send to me on XXXX XXXX. In their they are claiming that they have refund me. I keep calling them and they keep saying the check was send out few weeks ago. The amount is important and they are withholdin it without any justification. The check lost is an easy way of delaying the reimbursement.