23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is about Veterans United home loans.     These guys are shady, this is the  only avenue in which i can voice my complaint as they delete all negative reviews and  complaints about them from their website.     I am a  XXXX   year old  old  XXXX  veteran, i am   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , I am attempting to get a VA  home loan s o i can break the cycle of homelessness i deal with periodically due to the fact my   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  .     I qualify, i passed all pre qualification requirements, however they require you to list a next of kin on your application, not as a co-signer or anything, they just want a next of kin.     Well, seeing as how i am   XXXX   XXXX    XXXX  due to  XXXX  alone, I am unable to contact people that first have no business knowing that i am getting a home loan, and second i have n't spoken to in years due to my illness.      If Veterans United were really there for the veterans as all their advertisement states, then they would  understand that some of us deal with issues that we can not simply get over because you want us too, in addition they try to make you as the client to believe that the VA loan itself requires this information, and they can do nothing about the mean ol ' VA 's rules.     Well this is an outright falsification, they require it, and are downright rude and disrespectful when dealing with veterans, i was told if i can not simply get over my illness and require the information the VA states i must have, then i am just wasting their time.     I have no other recourse to make this complaint, they company will not allow you to complain, and simply delete any inquiry on their forums that they think may turn into a complaint, so i just want to get the word out is all, The  XXXX  Veterans in the world are treated like  XXXX  enough as it is, we do n't need to be the target of a company that uses unfair business practices.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681 ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I demand a deletion of all personal identifiable information from my consumer credit report except for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX SSN : XXXX Date of birth : XX/XX/2003 Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. Delete all phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please update and delete all requested personal information. 

Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that 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  AMOUNT {$590.00} ) ( inquirys- XXXX XXXX ) Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this
Product: Credit reporting or other personal consumer reports

Here is the updated dispute letter with the requested changes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/year> Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information and Notice of Legal Action Under FCRA and CFPA Dear Experian, I am writing to formally dispute multiple inaccuracies in my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ] and the Consumer Financial Protection Act ( CFPA ) [ 12 U.S.C. 5481 ]. This letter serves as a legal demand for correction and a notice of intent to pursue legal action if compliance is not achieved. 

The following accounts and inquiries are inaccurate or unauthorized : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX. XXXX  XXXX. XXXX XXXX ( Account ending in XXXX ) 8. All soft inquiries Violations Cited : Failure to Conduct a Reasonable Reinvestigation ( [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ] ) : Your failure to conduct a proper reinvestigation of disputed accounts violates the FCRA.

Failure to Notify and Forward All Relevant Information ( [ 15 U.S.C. 1681i ( a ) ( 2 ) ] ) : Experian is obligated to notify furnishers of disputes and provide all documentation submitted by the consumer.

Failure to Assure Maximum Possible Accuracy ( [ 15 U.S.C. 1681e ( b ) ] ) : Inaccurate information remains on my credit file, impacting my financial reputation.

Unlawful Reinsertion of Deleted Information ( [ 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( C ) ] ) : Reinsertions have been made without proper certification or notification.

Remedies Demanded : 1. Immediate removal of all inaccurate accounts and inquiries listed above. 
2. Compensation of {$1000.00} per violation for damages caused by Experians noncompliance, as allowed under [ 15 U.S.C. 1681n and 1681o ].

3. Full written notice of the results of the reinvestigation and updated credit reports reflecting the corrections made.

Failure to comply with this demand within 30 days of receipt will result in the initiation of a lawsuit to enforce my rights under the FCRA and CFPA. This letter also constitutes my pre-suit notification. 

Please direct all correspondence regarding this matter to the address provided above. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a inquiry From XXXX XXXX in XXXX on the date of XX/XX/XXXX. 
I have a inquiry from Credco in XXXX on the date of XX/XX/XXXX. 
I have a inquiry from XXXX XXXX XXXX In XXXX on the date of XX/XX/XXXX. 
I have a inquiry from XXXX XXXX XXXX in XXXX on the date of XX/XX/XXXX. 
I have a inquiry from XXXX XXXX XXXX XXXX In XXXX on the date of XX/XX/XXXX. 
I have a inquiry from XXXX  XXXX in XXXX on the date of XX/XX/XXXX. 
I have inquiries from XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In XXXX all on the date of XX/XX/XXXX. 
I have inquiries From XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX on the date of XX/XX/XXXX. 
I have a inquiry from XXXX XXXX in XXXX on the date of XX/XX/XXXX. 
I have inquiries from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX on the date of XX/XX/XXXX. In Which All Of The Inquires Showed Above I did not inquire about or give my information to for them to run my credit. I Called The XXXX XXXX XXXX number, in a The Customer service or Representatives Did Not Help me Out At All.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX XXXX XXXX  - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Product: Checking or savings account

I was contacted by my bank institution ( key bank ) and I was informed that there were some activity within my account and wanted know if I knew or authorized. I told them no I did not and do not have any transactions recently that I made. I was instructed to come in to my parent banking institution to sign some papers stating my knowledge of the inscident and let them know I did not make that transaction. I failed to remember my ID and I was denied seeing the gentlemen who I spoke with from my branch and therefore I missed the ending time for gettin the papers signed and my account was canceled with an alert on my name. I work full time on a some of 50-70hrs a week so Its a conflict with me being free to situate this issue. I also stated that and I took a day off work. Only to be rejected. I asked the clerk at my branch if it would be a problem to make the gentlemen aware that I was present in hopes he would understand my issue of my ID, so that I could be given a grace period to straighten this out. Again, I was not accepted. I went back a couple later to fill out the papers anyway just because. I was contacted by the gentlemen who instructed me to come in and he told me he couldnt do anything now that the account had been closed. I was given the info about this site by XXXX XXXX  after an attempt to establish another account there. I was told theres a alert attached to my name. The issue was that an attempt to deposit a check for a some just under three thousand dollars on XX/XX/2018. Again I informed them that I had no knowledge of this activity. I cant recieve any of my work checks because of this. I have to support myself and family. Big hinder! Please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Company Name : Portfolio RC Is asking me to pay {$1100.00} Which is unfair because I only used {$500.00} I credit to make a purchase but the accumulated interest made the amount due now over double the amount used initially. Id like to fix this off my credit history so I can help recover my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$520.00} XXXX XXXX XXXXXXXX Balance : {$310.00}
Product: Debt collection

During the month of XX/XX/2024, I attempted to go online to pull my credit report. With all XXXX credit bureaus, I was informed that I was not providing enough information to verify my identity. This made me question, if there had been any identity theft issues with my credit. As a result, I ordered all three of my credit reports via mail, to submit additional information to verify my identity. Upon receipt of my credit report, I noticed accounts that were not my accounts. I never opened these accounts or gave my permission to have these accounts opened. I also noted inaccuracies with the spelling of my name and previous addresses. 

PLEASE REFERENCE THE FTC IDENTITY THEFT REPORT ATTACHED dated XX/XX/2024,
Product: Credit reporting or other personal consumer reports

Fraudulent inquiries made to my credit report for things I did not apply for 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: Credit reporting or other personal consumer reports

Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. I hereby claim american disablities act, office of civil rights, my civil rights have been violated by Experian Reporting services. I am a XXXX person whom can not XXXX  XXXX XXXX but XXXX XXXX XXXX XXXX XXXX. I have reported these thefts for the last 2 years but becuase I am XXXX and have speak via sign language they continue to damage my credit and refuse to remove items under FCRA 605B. THESE ACCOUNTS DO NOT BELONG TO ME AS EVIDENCED BY THE ID THEFT REPORT ATTACHED. 

Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. 
I HEREBY DISPUTE THE FOLLOWING ACCOUNTS UNDER FCRA 605B XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting inaccurate information on my credit profile they saying that I made a payment in XXXX when they repossessed the vehicle in XXXX of 2022. They auction the car off but they reporting that I still owe them the full amount when my gap insurance paid the remaining balance. Which should be XXXX dollars. I would like for them to delete it off my credit report because its inaccurate and its has cause me to not obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mymonthlyleaseis{$280.00}.Ihavealwayspaiditontimeandhaveneverbeenlate.InXXXX,2019Iaccidentallypaid{$280.00}-soIshortedmypaymentbyXXXXcents.IdidnoticethatIshortedonwhenIwenttopayXXXXandmadeupthedifference.JusttwoweeksagoIgotacallfromtheleasecompanyindicatingIhadbeenreportedtothecreditbureaufortheXXXXerror.Ifollowedupwithacallbacktotheleasecompanyandwhiletheywereapologeticandcouldseetheissue,theysaidthattheirsystemautomaticallynotifiesthecreditbureauifthepaymentreceivedwasnotthepaymentdueandthatandthattheycan'tpullitback.Theyinstructedmetofilethiscomplaintwithyou.IamaskingthatthisXXXXerrorberemovedfrommycreditreports.IhaveattachedacopyofthepaymentstothemandhighlightedinyellowtheissuesoyoucanseewhatoccurredinXXXXandthenXXXXonewhereImadeupthedifference.IcanbereachedatXXXXorXXXXtodiscuss.TheleasecompanyisXXXXXXXX.ThepersonIspoketoatXXXXattheirXXXXoffice.
Product: Credit reporting, credit repair services, or other personal consumer reports

The lender is  XXXX  which is not reporting the correct balance and that is effecting my credit score significantly.
I opened an investigation with   XXXX   XXXX   and they did n't change the balance saying the balance was correct because the lender said it was correct and the case was closed with the same incorrect balance on  XX/XX/XXXX , the case was opened on XX/XX/XXXX .
The balance is   XXXX   as of  XX/XX/XXXX  in my credit report but as of  XX/XX/XXXX  the correct balance is  XXXX  I called   XXXX   XXXX   and complained to  XXXX  which claim was a supervisor on  XX/XX/XXXX  at   XXXX   XXXX     XXXX   and asked him why   XXXX   XXXX   is reporting a false balance and he said because   XXXX   said it.
I told  XXXX  it was insane to report the same balance 3 months after the account was opened and that they needed to be honest but he said wo n't change the balance and period.
I asked why the screenshot that I submitted within   XXXX   XXXX   dispute section was not presented to the lender -   XXXX   and  XXXX  said they do n't use screenshot so I asked why they do do n't ask about my balance sheet or payment record from  XXXX  and he said they do n't do anything other than ask the balance and whatever the lender say that is what is going to be in my report no matter what I say.
The government should have a law that ensure the report is accurate because the financial damage that a false report cause to consumers is extremely devastating.
Product: Checking or savings account

Chase closed my business checking account and charged me a {$75.00} legal fee. The irs mistakenly took money out of my account and now I have had to redeposit the funds. The banker informed me he would refund it but could not on Monday because the account is closed. He said if it was open he could. This is is unacceptable.

I am upset because I found this out online. When I have gone to the branch the employees were not informing me this happened. If I am communicating with chase employees about my account they should have told me this.

I had to go back to the branch and waited three hours on Monday to reopen the account.

I called yesterday to access my account and I was told I need my debit card to get access to my account.

Today I went to the branch and I was not given my debit card or checking account number after signing up in branch on Monday.

Chase also has a XXXX  bonus for opening the account. The banker was also unable to give that to me so I had to email it t. But its not credited yet.

I also had problems with my credit card application and am worried it will be not sent to my XXXX  address.

I also am interested in buying a condo and wanted to do business with chase. I have taken out thousands of dollars from chase because of poor service. I have put it in wellsfargo advisors. I dont have these problems with them. I need my XXXX  dollars back. I like chase but prefer not have these problems. Can someone please help me
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : XXXX5 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: Debt collection

convergent outsourcing just reintroduced a debt that had been investigated and removed from my credit report. they also reported this account as opened as of XXXX XXXX,2017 which is totally false and misrepresentation of a single true fact .dont know whos account and they are claiming to have received payments on this account then they need to go back and check form of payments and or authorized signatures .XXXX XXXX,2017 i was and still am in XXXX ga.THEY AND XXXX XXXX SHOULD BE INVESTIGATED AND NEED TO NOT BE ABLE TO JUST ADD THINGS TO A PERSONS CREDIT REPORT AT THEIR LEISURE THEIR AUTHORITY SHOULD BE REVOKED. THE BALANCE IS XXXX $ AND I HAVE NEVER RECEIVED NOT ONE INVOICE ACCOUNT NUMBER NOTHING CONCERNING A REVOLVING ACCT THAT PAYMENTS WERE MADE AND I KNOW ABSOLUTELY NOTHING ABOUT.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hello US Bank Account # XXXX US Bank deducted {$730.00} instead of {$360.00} with check number # XXXX two times to XXXX XXXX. 
I have been contacting US bank many times but they are not helping me and not refunding my money. 
It will really help me and my family if you please help me to get my money back. i.e {$360.00} Thank you
Product: Credit reporting or other personal consumer reports

As you know Transunion had a data breach and my information was included. The eight accounts listed I have no knowledge of, please delete and block these creditors from reporting these inaccurate accounts on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

After reviewing my credit profile on XX/XX/2019 I identified a discrepancy with accounts listed under United Revenue Corp. I requested a validation on XX/XX/2019 as there were multiple accounts listed that I did not recognize as I have always had insurance/Medicaid that fully covers my medical and the accounts are not under my complete legal name. On XX/XX/2019 I reviewed my credit profile again as United Revenue Corp had not responded but the account was reflected as disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/2019. Credit report was reviewed again on XX/XX/2019 and the accounts are still reflecting on my report and I do not believe the accounts belong to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on these accounts and these accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that these account belong to me and that all information including my legal name are correct.