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

I appreciate your time to REMOVE some of the fraudulent items in my file that resulted from an alleged fraudulent activity but I still have ITEMS left that needed to be removed. This is another complaint that I am a victim of fraudulent activity and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please REMOVE the reporting of any items in my credit file that resulted from an alleged fraudulent activity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- EQUIFAX : XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX Balance : {$540.00}. These items are unknown to me. Also, the information you provided on some items are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some items are a mystery to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated that my XXXX XXXX XXXX account was properly investigated, but how is that possible if the Account Status is inaccurate, the Last verified date is inaccurate, Date Reported is inaccurate, the Date Opened is inaccurate, the Creditor Remarks are inaccurate, and the Date of Last activity is not accurate, each of these are a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing and transportation for myself and my child! This is grounds for removal. They also violated my rights under 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report. I received a response stating that the accounts were verified. 

I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute. It is obvious that TRANSUNION has violated my consumer rights and not followed METRO 2 compliance and in violation of 15 USC 1681e ( b ).

I am requesting you provide ME ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 
Disputed items : XXXX XXXX  XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX Per FCRA you are required to provide this information within 15 days or DELETE AND BLOCK the negative items above from my credit report. Also, a copy of this letter has been sent to the CFPB as well.
Product: Money transfer, virtual currency, or money service

I paid school fees to an educational institution in XXXX called XXXX XXXX XXXX ( which is not the subject of this complaint ). The payment was performed through an intermediary company TransferMate, who is the subject of the complaint. According to my bank 's documents, TansferMate 's account was credited on XX/XX/XXXX. XXXX XXXX XXXX hasn't received the money yet as of today, XX/XX/XXXX. My daily status checks with TansferMate over e-mail merely resulted in the same excuse repeated over and over : we are waiting for confirmation from the bank that the amount " has cleared. '' My inquiries about the reasons for the delay or the estimate of the completion date of the transactions are ignored and never answered. TransferMate 's US phone number is a voicemail inbox that I am not hopeful will ever get back to my inquiry. I am starting to suspect a scam. 

The attached receipt demonstrates that TransferMate 's XXXX XXXX account ending with XXXX was credited on XX/XX/2023. The money has come out from my account, also at XXXX XXXX, in the form of a cashier 's check immediately deposited to Transfermate 's account, of which the receipt is the proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

These credit bureaus have been notified XXXX times prior to me notifying you, but I do not work for XXXX XXXX and I am self employed, My company is not XXXX XXXX, but neither XXXX of these are allowed to be on the report and these must be removed. 

I own " XXXX XXXX XXXX XXXX '' This is the only name that will be allowed to be displayed on the credit report. 
I Started this company XX/XX/2018 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to open a secured Credit Account with First Progress / XXXX XXXXXXXX First Progress ( also known as XXXX XXXX ) is erroneously trying to charge me multiple Late Fees on top of a {$25.00} Annual Fee, and is Threatening and Harassing me by wrongfully reporting to credit agencies that my account is XXXX days Past Due. 

According to an email I received from XXXX XXXX on XX/XX/2023, my XXXX XXXX Checking Account was charged on XX/XX/2023 by First Progress in the amount of {$100.00} for the opening deposit required by this secured credit card. 

Without any warning whatsoever, First Progress/XXXX XXXX slapped a {$25.00} Annual Fee onto the secured credit card account, I swear or affirm under penalty of perjury I was never advised about this. First ProgressXXXX XXXX then slapped two additional " Late Fees '' onto my credit card account, in the amount of {$25.00} and {$41.00}, bringing the total balance to {$91.00}. I called to complain about these erroneous charges and the fact that I was never alerted about this balance even one time before my credit monitoring service alerted me that my credit bureau scores had dropped XXXX to XXXX points and one of my accounts was being reported as Late. 

To be clear, I HAVE NEVER USED THE CREDIT CARD FOR ANY PURPOSE. NO BILLS OR CHARGES HAVE BEEN APPLIED TO THIS ACCOUNT SINCE I MADE MY {$100.00} Security Deposit. 

I have contacted First ProgressXXXX XXXX and offered to pay the {$25.00} Annual Fee, they are refusing to accept this as payment in full, they want me to pay them {$50.00}, and is only willing to drop the last {$41.00} Late Charge. When I log into my account online, the First Progress/XXXX XXXX system says Current Balance {$50.00} but when I view the Current Balance Due it still says {$91.00} and their system will not allow me to make any payment less than the " Full Balance Due '' so I can not even make a {$25.00} payment and dispute the rest. 

In addition, First ProgressXXXX XXXX is using the credit reporting bureaus to try to Extort me for the payment, and as a result of their reporting, my credit scores have fallen XXXX to XXXX points in under 60 days, putting them in the range to where I can not effectively get a new car or purchase a home. This should be a CRIME. 

This is my account information : XXXX XXXX  Card Credit Card XXXX Account # XXXX The XXXX XXXX Card Secured Mastercard is issued by Synovus Bank, XXXX, GA, Member FDIC. 

As of XX/XX/2023 I have also filed Disputes with Credit Bureaus through Creditkarma.com and I Complained to my State 's Office of Attorney General mediator, who advised me that the CFPB is the most appropriate agency to deal with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Is reporting this collection as an " OPEN ACCOUNT '' XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Status Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : - Comments : COLLECTION ACCOUNT Contact Info XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX Open Account XX/XX/XXXX XX/XX/XXXX {$630.00} XX/XX/XXXX 0 % {$630.00} S633 Individual Account which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Product: Credit reporting or other personal consumer reports

Over 2 months again I sent a notarized certified package to XXXX to remove all the extra names addresses former jobs from my credit report. Also in the packaged was a copy of my current drivers lic. with my current address and my phone number and a copy of my social security card for verification. I didn't get any response, none by email, mail, nothing from them. As I pulled my credit report XX/XX/2023 the information is still on my report.at this time I an looking for monetary result since this company has slandered my reputation and defamed my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax continually letting companies report on my credit report after being removed because of the Fair Credit Act Law that requires any items that are XXXX yrs or older to be removed.
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. 
Account name : XXXX XXXX ACC # XXXX, Account name : XXXX XXXX XXXX ACC # XXXX, Account name : XXXX XXXX XXXX ACC # XXXX, Account name : XXXX XXXX XXXX ACC # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently viewed copies of my ( XXXX, XXXX and TransUnion ) consumer reports and noticed that XXXX XXXX XXXX XXXX XXXXXXXX and TransUnion are reporting a charge off for the following account ( s ) on the following date ( s ) : Original Creditor listed as XXXXXXXX XXXX XXXX XXXX Account # XXXX with a balance of {$740.00} reported / last reported XX/XX/year> A charge off is considered a certificate of indebtedness which means it is income and must be removed. 

Per the IRS charge offs are considered income and the reporting of this account is prohibited. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT and thus MUST BE REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Showing screenshot to XXXX accounts I haven't opened
Product: Mortgage

In XX/XX/XXXX We applied for a refinance loan with Velocio mortgage. On XX/XX/XXXX we signed the initial loan estimate which included a {$4100.00} credit to offset the loan origination fee. On about XX/XX/XXXX we were informed that the rate had been locked and we would be closing soon. On XXXX we were sent the final closing disclosures and Velocio mortgage had to remove the {$4100.00} credit and could provide no explanation other than they intended that credit to offset our taxes and had decided not to offer this credit. We feel that this was misleading, because throughout the loan process that credit had been part of our disclosures. Without that credit we were unwilling to pay the rate that they offered. Velocio Mortgage and XXXX XXXX XXXX  XXXX understood that by not offering the credit they would put us in a bad position and therefore would force us to pay them an additional {$4100.00}. We did not agree to the revised terms the day before closing. This is really unethical treatment especially for a company who has all of your financial information and understands the position that theyre putting you in. We hope you will review this complaint so that other people dont end up in the same position. 

Best regards, XXXX XXXX
Product: Checking or savings account

I was charged a {$35.00} overdraft fee on XX/XX/XXXX for a check that was cashed and posted onXX/XX/XXXX when at the end of the day the account balance was {$36.00} after the check was cashed.Also I made a {$600.00} cash deposit on XX/XX/XXXX. Wells Fargo is assessing overdraft fees prematurely this same issue has happened in the past. In the past instance wells fargo only refunded half of the fee as a " courtesy '' when it should not have been assessed in the first place. That is shady business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, totally upset and sent letter on XX/XX/2022 to Equifax and XXXX regarding my inaccurate and unknown things that I saw on my credit report. Through this, I am requested to see verifiable proof ( i.e : an original consumer consumer contract with my signature on it ) that you have file for the account listed on my credit report to this day over 60 days later, I have not received as of yet. I feel like I am not being taken seriously and ignored of my disputes. Under section 611 ( a ), it is purely stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress that caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dispute this information since  XXXX . An account from  XXXX  University  XXXX   XXXX  showed on my Transunion report for  XXXX . I went and viewed a full report and Transunion stated I had an unsecured loan from  XXXX  with  XXXX  University. Ive never taken out the personal loan with them. I called and spoke with Transunion and asked to have the situation investigated in  XXXX . I asked for information as to who they spoke with and how they verified their information. I still have not received any info as to how they verified it. I also told them ( Transunion ) they needed to update or delete incorrect information and the rep told me that  XXXX  was their client and pays them to report information.I spoke with  XXXX  and they verified that it was not an unsecured loan but a tuition bill. This is a tuition bill from  XXXX  not  XXXX . Transunion and  XXXX  University continues to damage my credit report by reporting this as an unsecured loan and that this bill is from  XXXX .  XXXX  University was paid in  XXXX  by a student loan.They were paid in  XXXX  of  XXXX  which is why I got a refund check. I recorded the call with Transunion, I have the documentation from  XXXX  showing it was a bill and not a unsecured loan and an email showing I had financial aid.
Product: Debt collection

PNC Mortgage is not allowing a short sale to proceed because the XXXX buyer cancelled the purchase. A few days later a XXXX buyer submitted a complete package to PNC Mortgage, but PNC refused to delay the trustee 's sale to allow the 15-days needed to approve the new deal. This is a violation of Cal. Civ. Code section 2924.11 ( d ) because once the buyer and seller was approved for a short sale and proof of funds supplied PNC was required to file a notice of rescission of the trustee 's sale resulting in dual tracking.
Product: Credit card or prepaid card

My name is XXXX XXXX. This bank opened a credit card account in my name. The XXXX XXXX XXXX XXXX XXXX card was sent to me, but never activated. I receiveda letter from XXXX that there was suspected fraud on my account and they asked for all of my personal data. I ignored that letter. I receiveda bill for XXXX $ + in charges the next month. I have called the number for the bank and I am on hold for XXXX hour each time withno ability to talk to anyone. This bank is a scam. Please contact them to resolve this issue. Thank you and Please advise.
Product: Consumer Loan

I tried returning my rings at Kay jewelrs and when I showed up before these charges took place the store manager ignored me.and she was n't trying to take them bad so I ended up holding them until recently when I made them take it back because she tried ignoring me again. I made a XXXX $ payment at the store and it was never on my account. These people XXXX with you and your account. In between the that time afternoon tried returning the ring I called kay jewelrs to set up a return time and the lady did n't no what she was doing at all and she did n't even know what I was talking about so I sat 2 1/2hours on the phone for nothing it 's like they try and make you keep the rings. So all around it was game after game. I was also told by the store manager that I did n't own them anything at all and now I 'm being charged XXXX $ or so. So unprofessional and these charges shouldnt be there if I was told I did n't have to pay anything. I want this problem to end with them and they leave me alone!!
Product: Credit card

My partner ( authorized signer ) and I ( primary signer ) applied for the Capital One XXXXXXXX XXXX XXXX which offered a spend bonus at the time if a minimum amount of purchases were made on the card within a certain time. We met the requirements and did not receive the sign-up bonus. We contacted Capital One and they said there are two versions of the XXXX card labeled as XXXX " for good credit '' and XXXX " for excellent credit '' ( which is the XXXX with the spend bonus ). We signed up for the latter version of the XXXX " for excellent credit '' but instead were approved for the former version " for good credit, '' which did not include the spend bonus. The fact that Capital One uses the exact same name ( " XXXX '' ) for both credit cards is extremely deceiving, but the bait-and-switch technique that they use to further deceive customers into thinking that they are receiving a sign-up bonus after making required purchases is doubly deceiving and appalling. ( Note, the name of the credit card has since been changed from " XXXXXXXX XXXX XXXX XXXX XXXX XXXX' )
Product: Credit reporting or other personal consumer reports

I did not give consent or authorize the following inquiries on my credit report : By obtaining my Experian consumer report on the dates below without my permission, or without a permissible purpose by law, this is in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with the companies below. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with any of the companies below for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cash App 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 to redress for these violations.
Product: Credit reporting or other personal consumer reports

I reviewed my most recent credit report from all three CRA 's ( insert Credit NAme ) and I noticed inquiries that does not belong to me. After reaching out to the creditor I was advised they did not have a record on file of me ever applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA I was met with push-back even though I expressed the inquiries in question did not belong to me and the creditor agreed the inquiries are not attached to any file or application they have with my personal accurate information. 

Per 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Mortgage

I have a loan with FMC-OMAHA SERVICE CT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and FMC-OMAHA SERVICE CT with no successful resolution. XXXX is only reporting me late. There was definitely an error on their part. I was never 30 days late.