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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Consumer Loan

On XXXX XXXX, XXXX purchased a new vehicle from XXXX XXXX XXXX Fl vehicle is financed with Omni World Financial Retail XXXX XXXX XXXX XXXX TN. XXXX. My account number on this loan is XXXX XXXX Toyota Tundra. On XXXX XXXX, XXXX received a credit alert that a new account was reported to XXXX on this vehicle with an ERRONEOUS open date of XXXX XXXX, XXXX? On XXXX XXXX, XXXX received a credit alert that a new account was reported to XXXX on this vehicle and again ERRONEOUS information reported stated new account opened XXXX XXXX, XXXX I did n't purchase the vehicle until XXXX XXXX, XXXX? Today XXXX XXXX, XXXX at XXXX EST I called World Omni Financial/XXXX XXXX XXXX and spoke to a representative on the erroneous information reported to these XXXX Credit Agencies and told her that this erroneous information reported is the fault of Omni World Financial and must be corrected by them! I received pretty lousy service from the agent and she told me that it 's my responsibility to correct these errors and conversation ended! This is a serious matter and why do I have to spend my time and financial resources to correct a problem that is solely the fault of Omni World Financial and some clerk not paying attention neglecting to input the correct information into the Credit Reporting Agencies!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and Equifax will not show me proof of validation of a bankruptcy showing on my credit file. I have disputed with all 3 bureaus multiple times and they still will not show proof. And I need something done about this especially when they will not validate proof
Product: Credit reporting, credit repair services, or other personal consumer reports

i never consented to authorize nor benefited from the following Accounts and Inquires, Block and delete them. If i have received goods and services from the furnished Accounts and Inquires, Let Experian have one of their senior executive certify under the penalty of perjury that i did received good and service from those transactions.
Product: Checking or savings account

XXXX  XX/XX/XXXX my Credit karma account was hacked. I received a call from credit karma advising someone was trying to apply for a XXXXXXXX XXXX XXXX XXXX and to verify if I approved it. I advised I did not approve and they advised they would send a code to my phone to enter. I entered the code they sent and they advised that it was incorrect and the call ended on their behalf. About XXXX minutes later I received emails stating that my password, email address and phone number was changed and to contact them if I approved these changes, I called the company and told them I didn't approve this. I tried to update my information from my app, but I couldn't. I got onto a desk top and the user name that my account was changed to came up when I pulled up credit karma on my desktop. I don't know if this is because I have my setting set to remember user name. I was able to get back into my account logging in with the last XXXX of social and the email that it was changed too. I get into my account and there is an international charge of XXXX to a company named XXXX. I XXXX  XXXX and they are in XXXX, I also tried to contact XXXX, but due to that I don't have international calling my call attempt was unsuccessful. I advised credit karma of what was going on and advised them I was also able to gain access back to my account again, but the charge needed to be disputed. We disputed the charge, 2 days later my account was frozen. I received my direct deposit and can't access it or transfer it to my other linked account. Right now I have bills that are late because I can't get to my money, I am racking up late fees and I have contacted this company over XXXX times and still no help. I received and email 2 days ago asking for my ID and a selfie of me and I still have not gotten any help. I just want my money back.
Product: Credit reporting or other personal consumer reports

There are several inquiries that I require proof of a permissible purpose. PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT. 
ACCORDING TO THE FCRA IT IS A VIOLATION. 

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

I tried to retrieve funds from my account and I was told by Bank of America that there was a fraud alert on my accounts that I didnt put on there. I work for a large company and my check was being deposited there and no one is telling me why I cant have access to my funds. I am a veteran who served and protected this country and Im treat like this. I have a newborn that Im the sole provider for and I cant get my money that I work for everyday.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, ( XXXX ), ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report which is XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX  XXXX that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Checking or savings account

My ordeal began after my mother passed away, leaving a will stipulating that if my father sold the church, my sister and I would receive a certain percentage of the profits. The church was subsequently sold to a XXXX XXXX, which issued official bank checks to my father, sister, and myself. Both my sister and father were able to cash their check at their banking institutions with no problems. In XX/XX/year>, when I attempted to cash my check, it was placed on hold for verification by Chase Bank, and I was informed that my account would be closed within 10 days if the issue remained unresolved. 

I immediately contacted Chase, and the representative attempted to reach the issuing organization, without success, and advised me to call back. The following day, I was informed that the organization had not responded. I was assured the hold would be lifted by XX/XX/year>. 

However, on XX/XX/XXXX, the hold was still in place. Chase then informed me that the funds would not be released until the organization verified the check. After the number they had been calling proved unresponsive, I conducted an internet search and provided a new number, which Chase could not verify. Following consultations with our real estate attorneys, I was advised to contact the buyer directly. After numerous attempts, I reached the XXXX of the organization, whose number was also unlisted by Chase. 

After discovering that Chase was contacting a different organization with a similar name, I was advised to have someone from the XXXX XXXX  come to the bank with me to verify their identity. Months later, I flew from XXXX  to XXXX XXXX  with the XXXX, who unfortunately lacked the necessary ownership proof. 

The XXXX explained that the organization had financed the building through loans within their community, and the XXXX XXXX XXXX XXXX was the borrower. Despite confirmation from XXXX XXXX  that the funds had been released, Chase persisted in withholding the funds, demanding verification from someone within the organizationa challenging task given that I had no established relationships there. Chase was unwilling to accept any other proof of funds Amidst this financial turmoil, our family discovered a rat infestation at our home, which prevented us from moving due to the tied-up funds and caused {$2000.00} in damage to my electric vehicle. 

After exhausting all options, including consulting a lawyer who could not assist, I resolved to wait out the two-year period Chase set before sending the funds to the state. As the deadline approaches, Im preparing to reclaim the funds I came across someone who had a similar issue. It was recommended to file this complaint. I really hope this organization can help me resolve this prolonged issue with Chase Bank.
Product: Credit reporting

I have a copy of my transunion report that I received on XXXX/XXXX/XXXX that was generated on XXXX. Under Adverse Accounts, there are several student loans listed there that have negative and incorrect information that is reported on my Transunion credit report. I have disputed this information with Transunion previously to initiate an investigation to validate the information that is being reported. The student loans that are listed as adverse accounts are no longer serviced by the lender listed, and when I tried to contact the listed lender the number listed on the report is not valid. I 've mailed corresponse asking the lender to validate this information and received no response as of today with any validation about the listed information and why inaccurate negative information was still being reported. There is a double listing on my credit report with Transunion that contains the same inaccurate student loan information as well. I called the number listed on the credit report and I get a recording from a different company other than the name that is listed on the credit report. These accounts are currently listed as being in bankruptcy. In XXXX, I filed a chapter XXXX bankruptcy which was dismissed in XXXX. Prior to that, my student loans were never in default, they were always in a " in school deferment status ''. In XXXX, all of my student loans were consolidated and sent to XXXX who know services all of my student loans under a consolidation repayment plan. There are XXXX student loan accounts that are listed as Adverse Accounts and in chapter XXXX bankruptcy which is totally inaccurate. The whole point in the dispute is to have the negative information removed especially since the information is being reported inaccurately. My question is how did Transunion contact the lender to validate the information as accurate when they lender ( XXXX, XXXX, XXXX ) Have yet to respond to my letter request for validation of the information. Several of the accounts listed have the same account numbers and the same balance, which is also inaccurate. For Transunion to continue to list this information as negative and in bankruptcy status is totally inaccurate since I am not in bankruptcy, being that the Chapter XXXX bankruptcy petition that I filed in XXXX was dismissed in XXXX. Being that I disputed the information and Transunion clearly did not throughly investigate, I need help with getting this negative information removed especially since it 's totally inaccurate. By law, Transunion was supposed to delete the inaccurate negative information if it could not be validated.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( 1 ) XXXX XXXXXXXX, ( 2 ) XXXX XXXX XXXX, ( 3 ) XXXX XXXX XXXX, ( 4 XXXX XXXX XXXX XXXX, ( 5 ) XXXX XXXX XXXX XXXXXXXX, ( 6 ) XXXX XXXX XXXX XXXX XXXX, ( 7 ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX 8 ) XXXX XXXX XXXX XXXX ( 9 ) XXXX XXXX XXXX XXXX 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate. I'm requesting that the accounts above be deleted immediately.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Sectio

n 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data
formatted reporting standards according to regulations.

Failure to take appropriate actions to remedy this matter will lead to my civil right to file a lawsuit seeking monetary resolution via a court in my jurisdiction.

Drawing from my research and complete comprehension You nor any entity is permitted to keep any noncompliant information, particularly upon it being challenging any or all of the excerpts, dated assignments, ledger balances, audited details, documents of identification, each of the XXXX XXXX XXXX XXXX XXXX XXXX, pay status codes, alpha-/ numeric-/ and or alphanumeric source codes. Further certificate firmly every single one even each any and or all of the minimal five ( 5 ) portioned personal identifiers, and even the unabbreviated 386 pieces of confirmation to collect. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Name of Alleged Creditor : XXXX - XXXX - I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist XXXX - XXXX - I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist Item Complaint Details : You are reporting inaccurate and/or incomplete, unproven, NON-COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of this correspondence. 

INQUIRIES TO BE REMOVED : PERSONAL INFORMATION INCORRECT : Incorrect Address XXXX XXXX XXXX XXXX XXXX, IA, XXXX - The personal data reporting is inaccurate. 
Incorrect Address - XXXX XXXX XXXX XXXXXXXX, IA, XXXX - The personal data reporting is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to the Heroes Act my rights were violated by SYNCB/TJX COS. During the Covid 19 Pandemic late payments were reported on my account in XXXX XXXX XXXX XXXX through XXXX XXXX XXXX XXXX XXXX  through XXXX XXXX and XX/XX/XXXX through XXXX XXXX resulting in a charge off status effective XXXX XXXX  by your company- which I have disputed a few times to no avail. 

See attachment
Product: Prepaid card

I sent XXXX to a friend in Virginia to give to my sister because she needed the funds. Money gram took the money along with the fee from my card sent me a confirmation with a reference number to state the funds were ready in Virginia. When the receiver arrived she was told that the funds were not there and the number was invalid. I called money gram and after being hung up on several times I was told that they would refund {$2700.00} ( including there fees ) in XXXX4 business days. I explained that this was an emergency. They said no it was a scam area. I asked why did they remove the funds. I explained that my online account has sent money to this individual person and they said no. Now my family member is in danger because I do not have an additional {$2500.00} laying around to help her.
Product: Mortgage

The preconstruction and/or construction contract details the amount and costs of the mortgage that is to be financed. Placing the responsibility on XXXX XXXX ultimately causes concern and question regarding why Wells Fargo financed a mortgage for {$12000.00} greater than the amount of the builder 's contract with no evidence that why when this mortgage was closed with Wells Fargo, the check being issued at closing was only {$1200.00} as opposed to {$12000.00} ; citing initial discriminatory misconduct by Wells Fargo and an alleged foreclosure after the structure was paid without documents of an auctioneer name or contract, title search, etc. to seek documents from causes further concern for reporting discriminatory misconduct by Wells Fargo Bank, N. A. ( WFHM ). All correspondence from Wells Fargo Bank, N.A. ( WFHM ) shall only address the name of  the owner of the property, XXXX XXXX XXXX because legal recourse in Federal Court shows action was taken against all other parties. Therefore, this complaint only addresses the concerns of XXXX XXXX XXXX as the owner and paying source for this property.
Product: Vehicle loan or lease

I was set up on autopay and when the card expired I called to make a payment and they still tried to take the payment that was set up on autopay. But at that point the card had already been expired so it didnt go through and they didnt apply the payment I made for several months, in result they charged me 2 late payments that I really made on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of my accounts were up to date and current until I was laid off due to COVID-19. I continued to pay as long as I could but I contacted every one to let them know that a natural disaster was causing distress in my life. No one offered any options, alternatives, or other solutions. I also let them know that I was not eligible for unemployment. Shortly after that, my son was put on a XXXX  for months until he passed away because of XXXX. No one would listen to me. All they wanted to do was sell my accounts to a debt buyer who asks for ridiculously high monthly payments and dont want to hear what I have been going through. Now because of XXXX, a natural disaster, I am punished for 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off this loan on the XXXX of XXXX with a Check in the amount of {$34000.00}, check number XXXX. The bank states that the check cleared on the XXXX of XXXX. XXXX XXXX XXXX XXXX  maintains that the check has not cleared. This loan should be paid off now. They have a balance reporting on my account. And they posted a let fee onto my account and my credit report.
Product: Credit reporting or other personal consumer reports

Wrong name and address This account does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXt XXXX Has Violated the FCRA sec 623 ( a ) ( 1 ) ( b ) the law clearly states and I quote Sec 623 ( a ) ( 1 ) ( B ) If a consumer notifies a furnisher that the consumer disputes the completeness or Accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing NOTICE OF DISPUTE The credit reporting agency violated my rights under 15 USC Code 1681i ( a ) ( 1 ) ( A ) I disputed this Twice for failure to put by law the the required Comments NOTICE OF DISPUTE on this account. they gave me, this information is accurate which in fact is inaccurate. I gave them two opportunities to Delete this account for being Inaccurate. to this day it has been ignored or disregarded I demand immediate removal of this account. 

Attached consumer reports screen shots to prove the failure of NOTICE OF DISPUTE is not on any consumer reports since disputing started on this account.. 
LISTED BELOW ARE THE DATES the CRA COMPLETED their so called investigation in case they pull a fast one and say I never Disputed the account Complaint ID XXXX against XXXX completion XXXX XX/XX/2022 Complaint ID XXXX against XXXX Completion date XX/XX/2022 Compliant ID XXXX against Experian Completion date XX/XX/2022
Product: Debt collection

I was not made aware of this debt/bill by the medical provider or the collection agency it was assigned to. I discovered this {$25.00} debt in collections when I checked my credit report. 

I have XXXX coverage through my medical insurance companies, as does my wife. My wife was also found to have XXXX outstanding bills that were found on her credit report that had gone to collections as well. The bills were created by the same hospital that charged me the {$25.00} bill, which was sent to collections. My wife and I had no idea she had any outstanding bills from this hospital until we checked her credit report at the same time we checked mine. She did not receive any bills or paper work from the hospital or collection companies either. 

The collection agencies removed all of my wife 's bills from her collection reports, but has refused to work with me on this issue. I have asked the medical provider to work with me on removing this from my credit report, because I never received any notification of this bill, but the hospital billing department has refused to work with me to resolve this issue.