23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Good afternoon To whom it may concern, As a proud XXXX veteran that served the country and a man of integrity that now serves the community working for XXXX. Im reaching out in need of some assistance with a matter involving Pulte XXXX in XXXX XXXX, NV, and my earnest money in the amount of {$19000.00} given as a deposit for the purchase of a new home for my growing family consisting of my spouse, three boys and baby on the way. On XX/XX/XXXX a contract was signed with Pulte Homes to buy a new house using the VA loan but also contingent on me selling my current VA residence to utilize the proceeds as down payment. With the unforeseen events occurring in the entire country and the rise of interest rates I have seen myself forced to reduce the sale price of my home three times for a total amounting to - {$50000.00} and had lots of showings of the property but no solid offers. The mentioned contract that was contingent on the sale of my house to use the profit as a down payment also had a VA addendum that states if I can not obtain the VA financing, I have the option of a refund of all deposits and Pulte Homes will not honor the addendum. Instead, they have decided to keep my earnest money and create a certificate of credit for another three months after the expiration of the contract on XX/XX/2022. On several occasions I told them I wanted out of the contract because my home was not selling and to give them a chance to put the house on the market for other potential buyers, but because of their high inventory of houses not selling they continued to make new efforts to keep me and my money. I didnt want to break the contract forfeiting my hard earned {$19000.00} that was originally saved to help purchase a vehicle for my oldest son now XXXX. I sacrificed the savings that was destined to help purchase a vehicle for my son for a bigger purpose that will benefit the entire family and now kindly asking for some assistance in the recovery of those funds. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to Experian about inaccurate information on my credit report. I sent in documents to show my identity such as drivers license, social security card, utility bill, military id, and they said that cant confirm its me. Even sent in notarized document. Then I asked them to investigate inaccurate statues and account amounts and and late payments on my account. They came back and said Verified. When i asked to re investigate and to please send me the information they used to verify these accounts, they continuously refuse to send any information or re-investigate my accounts.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX XXXX have noticed inaccuracies on my credit report such as late payments. I am writing this letter to have my credit report updated to be current and up to date. First, according to the F.C.R.A Section 604 ( A ) ( 3 ) 15 U.S Code 1681 ( b ) Permissible purpose states that I have the right to privacy and that my information can not be shared without my written consent! Second, Section 607 ( A ) 15 U.S Code 1681 ( e ) Compliance and Procedures states my report must be 100 % accurate at all times and these late payments are not accurate! Nor did I authorize these late payments to show on my report. Third, according to the Truth and Lending Act Section 15 U.S Code 1666 ( b ) corrections of billing errors the CRA must correct any billing errors made on the consumer 's credit report with a written statement of what accounts need to be updated and corrected. I have already sent a letter 30 DAYS AGO AND YOU ARE NOW IN VIOLATION OF MY CONSUMER RIGHTS! I am also placing a FTC reference numberXXXX XXXX XXXXXXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. These accounts must be updated AS SOON AS POSSIBLE to avoid any VIOLATIONS FEES.
Product: Debt collection

After numerous attempts explaining that the debt is not valid, they've continued to harass us and threaten legal action. Coincidentally, on XX/XX/2018 the company Recovery Solutions Group ( rsgcollect.com ) sent out an email with a trojan horse virus suggesting it was a real Word document. We believe they now either have a security breach or have attempted to illegally infiltrate their customers systems. We hope it is more of a security breach, but they have not made any attempts to clarify even after I personally contacted them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts on my credit files does not match the authenticated accounts known to me. These particular accounts possibly derived from my information being stolen. Mentally and emotionally this has destroyed my sanity All I'm asking for the 3 major credit reporting agencies to remove and block these unknown frivolous accounts. 

1 ) XXXX  XXXX  {$590.00} 2 ) XXXX XXXX XXXX {$790.00} 3 ) XXXX XXXX XXXX {$610.00} 4 ) XXXX XXXX XXXX {$160.00} 5 ) XXXX  XXXX  XXXX {$70.00} 6 )  XXXX XXXX XXXX {$99.00} 7 ) Dept of ED/XXXX   {$31000.00} 8 ) XXXX/ XXXX 9 ) XXXX 10 ) XXXX  {$500.00} 11 ) XXXX XXXX XXXX  12 ) XXXX  XXXX XXXX XXXX   {$21000.00}
Product: Credit reporting or other personal consumer reports

There is a hard inquiry from XXXX on XX/XX/year> that is not mine.
Product: Credit card

I have spoken to 4 different individuals in their Credit Card fraud team and was told that the phone call was being recorded.

I was denied access to speak to a manager.

I was also told by the last person that they can not provide the address whereby the calls can be subpoenaed because it was a security issue for them. Priceless. What is Chase ( JPM ) hiding?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights for the amount of {$770.00} and {$6600.00}. 

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 a account without my written instruction to do so.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of a supposed bill on my credit report, which I neither bear responsibility for nor owe, as claimed by the debt collectors. These accounts were fraudulently opened without my consent, thereby violating 15 USC 1602l, as it was utilized without my explicit permission. I demand the immediate removal of this account from my credit report U S DEPT OF EDXXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Balance : {$1700.00} U S DEPT OF EDXXXXXXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance XXXX {$3000.00}
Product: Credit reporting or other personal consumer reports

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

XXXX shows balance of XXXX since XX/XX/2022 Ive never owed them that amount. Also a dc address shows on my report and Ive never lived in dc Ive tried multiple times to get resolved and still shows
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax have both invalidated information due to identity theft that they have claimed to have verified on my report. For XXXX it is XXXX and for Equifax it is XXXX XXXX XXXX for a XXXX XXXX I did not attend to. I submitted countless FTC reports which they have failed to respond or provide verification proof please see the document enclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX  XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX Balance {$5200.00} ; XXXX XXXX  XXXX XXXX Balance {$400.00} ; XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX  XXXX Balance {$1100.00} ; XXXX XXXX Balance {$1000.00} ; XXXX A XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MA XXXX XXXX XXXX XXXX BV XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Inquiry XXXX XXXX XXXX, 2022 ; XXXX XXXX Inquiry : XXXX XXXX, 2022 ; XXXX XXXX Inquiry : XXXX. XXXX, 2022 ; XXXX XXXX XXXX : XXXX. XXXX, 2022 ; XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXXXXX XXXX  XXXX XXXX from XXXX is on my credit inquiry for 2 different times which I don't understand why I would like to clear this out and remove in which I'm trying to get my credit in good health. I don't even know why its even there.
Product: Checking or savings account

I tried to open new Citibank checking and savings accounts in the branch. But the result was that " we are unable to open an account for you at this time ''. My case was failed by the Citibank screening. I am 100 % sure there is nothing bad in my credit report. I successfully opened a new credit card with XXXX XXXX recently. Citibank did not provide me with the reasons why they were unable to open an account for me, even though I requested. I was just told some backend teams may review my case without any timeline or contacts. I also called the Citibank customer service to get some helps 4 times. But they just forwarded me to different departments. None of them could resolve the issue since they did not have the backend team 's contacts. 

The only document I received from the branch is attached. It just tells me that the account can not be opened without any explanation on the reason details.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I went to XXXX with an approval from XXXX XXXX Bank, but they ran my credit with XXXX XXXX XXXXXXXX XXXX XXXX 2 times, XXXX XXXX XXXX XXXX without my consent. 

After that I kept getting inquiries on XX/XX/XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, 2 from XXXX XXXX 

The same happened when I went to XXXX XXXX XXXX on XX/XX/XXXX, I had an approval from XXXX XXXX XXXX and I have unauthorized inquires from XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX OF XXXX XXXX XXXX 2 times XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also have unauthorized inquires from XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX I need these unauthorized inquires deleted/removed off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent up a payment for {$63.00} to be paid on XX/XX/2018 and Bank of America took two payments from my XXXX XXXX XXXX   Account for {$63.00} and {$170.00} on the same day. I called to speak with a supervisor and asked that the payment for {$170.00} be returned back to my XXXX XXXX XXXX   account because I did not authorize for two payments to be taken out of my account. I had already calculated my transactions and by Bank of America taking an extra payment out of my account of {$170.00} it would cause my account to be overdrawn and {$96.00} worth of fees to be assessed to my account. The representative told me that they could not void the second transaction but I could go into a Bank of America branch to open up a new checking account and they would see if they could return the funds to a Bank of America checking account. I did not want to open up an account with Bank of America because in the past they promised to take care of their error with processing a payment a few years ago and failed to address their error then reported that I did not make my payment and closed the credit card account which subsequently impacted my credit score and credit file. 

When I set up my payment for {$63.00} no other payments was pending on the mobile app. The representative told me that I should not be using the mobile app to view prior scheduled payments but the desktop. I did not know that I could not rely on the mobile app because that's all I had been relying on in the last 6 months and it was not an issue to my knowledge. In all I had to go to XXXX XXXX XXXX to complete a REG E claim to have the {$170.00} disputed and to date I have incurred {$96.00} with XXXX XXXX XXXX   and {$82.00} worth of fees with Bank of America because the representative and her supervisor would not cancel out the second payment that was not showing in the mobile app of their system. 

Additionally Bank of America has  recently reported that I did not make my XX/XX/2018, XX/XX/2018 and XX/XX/2018 because of their error. I have proof that these payments and the additional payment that came out of my XXXX XXXX XXXX   checking account. Even after the Bank of America staff made an error a few years ago with failing to process my payment and closing down the account, I still have been faithfully paying the account. However, they have not been reporting my payments to the credit bureau as they promised. I need for the Consumer Financial Protection Bureau to launch an investigation against Bank of America because I have asked to speak with the Escalation Team within the Office of the President and the representatives refused to escalate my call. And their staff refuses to correct all their errors.
Product: Debt collection

This Taurus Law Group calls several times daily, not only me, but also family members of mine. The messages they leave say that there is an important message from Taurus Law Group and to contact XXXX XXXX ( not sure of name spelling ) at XXXX. The message sounds recorded and is exactly the same every time. They do not say who they are attempting to contact, but do say that they are a debt collector and that any information obtained will be used for that purpose. They have been asked to stop calling. I feel that they are implying legal action and by not identifying who they are attempting to contact, scare people into calling them back. This leads me to believe that if a family member does return the call that they would discuss any alleged debt with a third party in order to obtain information illegally.
Product: Debt collection

To Whom It May Concern, I am writing to demand that XXXX, XXXX, XXXX acceptance correct inaccurate information on my credit report and compensate me for damages under the Fair Credit Reporting Act ( FCRA ). 

I disputed this error on XX/XX/year> and, per 15 U.S.C. 1681i, you were required to investigate and correct it within 30 days. However, you have failed to do so, violating the FCRA. This has caused financial and emotional harm, including [ denied credit, higher interest rates, etc. ]. To resolve this matter, I demand : Immediate correction of the inaccurate information. 
A {$1000.00} settlement for statutory damages. 
If I do not receive a response within 15 days, I will pursue legal action. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2022, I received a Bank Of America credit card. Thinking it was a replacement card for one that was about to expire. After thinking a bit ; I realized that I do not have any accounts with Bank Of America and immediately called them on XX/XX/XXXX with my concerns. They told me that they would have to investigate and made sure that credit card was closed. 
Then on XX/XX/2022 ( while I was on vacation ) someone applied for a credit card with XXXX XXXX in my name. I received a letter in the mail asking me to contact them which I did and they told me that they would deny this application. After explaining that this was the second time this had happened ; they suggested that I contact XXXX. XXXX told me I should contact the FTC and file a complaint which FTC switch me over to you. 
I do not know if this is connect but while I was on vacation I had my mail held till I returned home on the XX/XX/2022. Since returning I have had trouble receiving my mail. Went to the Post Office to see if they were still holding my mail which was not the case. So I called their toll free number and they are investigating the matter. They even gave me a case number.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Money transfer, virtual currency, or money service

cashapp had errors with my account. I was unable to get ahold of a representative.
Product: Debt collection

Sent certified mail to validate alleged debt in which they failed to validate debt. Also, mailed failure to validate debt letter with no response. This is not my debt. I do not own this debt. I wish to have this debt removed from my credit report to never return.
Product: Debt collection

CONVERGENT OUTSOURCING bought an old debt that is already reporting on my credit with XXXX XXXX making this a duplicated account. Convergent Outsourcing RE-AGED the account. I sent a request to Convergent asking for validation and they just ignored me. They never responded. This has been going on for 90 days
Product: Debt collection

I am writing to dispute several accounts on my credit report that are the result of identity theft. I did not open or authorize these accounts, and I have reason to believe that they were opened fraudulently. I have attached copies of my ID, FTC report, and any other supporting documents that can aid in resolving this issue. The accounts in question are : XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX. I have contacted the creditors and provided them with the necessary information to investigate the fraudulent activity. I have also filed a police report and have requested a copy for your records. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX  XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion had a computer glitch that caused all of the inquiries on my credit report to be deleted, and my  credit score i ncreased. The very next week, all of the inquiries were reinserted to my credit report without prior written notification in direct violation of Sec  611 of the Fair Reporting Credit Act. I a m requesting that the reinserted inquiries be permanently removed from my credit report.
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 Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress of these violations.
Product: Debt collection

XXXXXXXX XXXX XXXX XXXXXXXX. Attorneys at Law, located at XXXX XXXX XXXX XXXX, Texas, XXXX sue me on behalf of Bank of America XXXX I live in XXXX XXXX XXXX XXXX Texas, XXXX number XXXX at the court of law No. Three, asking for XXXX dollars , County court of law. I contact Bank of America and they check me and find that I do not owe them anything but refuse to give me a letter or talk with their attorneys. 
I ask for my XXXX SCORE and it came with XXXX points, and shows that I have no debts. I contact the attorneys ' office and let them know that I am not the person who they are looking for and that I do not owe anything. 
The plaintiff didn't show up on the day the Judge set for a trial, and the plaintiff was dismissed. I talked with the secretary of the attorney 's office and she told me that I was not the person who they were looking for that debt and that my name it is going to be removed from their database. 

Once again the attorney 's office appoints another lawyer and they are suing me. I don't know what happen to them. this is harassment.
Product: Checking or savings account

On XX/XX/2022 someone stole one of my checks from a blue drop box at the XXXX Ohio post office.They altered the check removed everything I had on it, and made it out to an unknown party for almost {$8000.00} which was taken out of my account when the check cleared. I notified 5th 3rd bank the next day, and my banker sent a fraud packet in which included the police report #. my funds have not been restored, nor have I received any conformation that this was reported to them. Please help me!