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

On XX/XX/2018, my credit score with Transunion and XXXX was XXXX, I am not sure what XXXX  was, but it was running close. During that time period, XXXX XXXX offered me a credit card for a $ XXXX limit and I thought that would be a good card to have and I was approved. Shortly after I started getting calls for a mortgage loan which I was planning to do anyway because I have been working on buying a home for the past year. 

Maybe I misunderstood, but I was under the impression while looking for a mortgage loan it wouldn't affect my score. I guess I was wrong because my score is now down to XXXX and only went down after 3 attempts of talking to loan companies and giving them the right to check my credit. I have good credit and I have worked very hard getting it but it seems like all three credit bureaus refuse to allow me to keep it. There are inquiries I don't recognize as well and all are considered hard inquiries. I lost 42 points for inquiries? Why? When I am trying to make my life easier and better, it makes no sense at all and I am very upset with this dictatorship of my personal life.
Product: Student loan

I tried multiple times to put my account in economic deferment because i had no job. I was not able to. Then once i got a job and tried to set up so i could pay some money they wouldnt allow me to. Then they tried to garnish my check in which i tried to set something up again and they told me i couldnt cause wasnt with them anymore or something to that effect. But i didnt make enough money for them to garnish my check so they took my whole income tax check in 2018.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I have been using Gemini for years with no issue. Then out of no where I went to make a withdrawal and they froze my account. They have yet to respond to any of my emails/support tickets with my money frozen in there. This is ridiculous please help. 

This is a list of my support tickets. None of them have a response. 

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

I pulled my credit report on XX/XX/2019 because I was about to initiate the process of pre-approval to buy my first house. I was under the impression that I had no debt and a clean report. Imagine the horror to open your report and see charge-offs for three credit cards, and other derogatory remarks with names you have never heard of nor seen before. I had a home chosen already, and I had to walk away from entering a contract due to identity theft and fraudulent activity. 
Wakefield & Associates may or may not be the result of fraud, I can not weigh on either side with pure conviction ; I was never shown validation of the debt, nor had I received any communications regarding this debt or the originator of said account. 
Wakefield 's billing department has far surpassed the allotted time for matters of this nature to be revealed. The only legally sound course of action would be removal. This very account was removed from both XXXX  and XXXX  ; however, despite my attempts to dispute via written and email through XXXX online feature, this account in question was allegedly validated by Wakefields department without informing me and remains on my XXXX report. I still have no answer regarding whom this debt originated from. 
I have sent numerous requests to Wakefield on this matter and made several phone calls without being able to reach an agent due to long hold times. Despite all attempts to establish contact, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had over 7 years of charge off reporting activity. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A woman named XXXX XXXX from an undisclosed company called my personal cell phone from XXXX ( XXXX ) XXXX on XX/XX/XXXX at XXXX XXXX Pacific Time.  I believed it to be a spam called and so I hung up as I was on a work trip and very busy. I later find out that she called my landlord on the same day and left an incredibly aggressive voicemail for my landlord. The voicemail was forwarded to me - all that XXXX XXXX gave was a phone number ( XXXX ext XXXX ) and demanded that I call her back immediately. She said it is MANDATORY that you call me back. She provided no other information, I have no idea where she works and the call back number is just a voicemail. This is harassment - a debt collection extortion scam attempting to create panic and embarrassment so they can scare people into paying their extortion money. This must stop!
Product: Checking or savings account

In early XXXX Old National Bank merged with First Midwest Bank. For three weeks I have not been able to access my account online. I have been on hold for almost and hour. When I go to the branch in XXXX, Illinois the lines are long and the wait times are longer. I have requested my login information 4 times with no response. Its apparent that Old National did not plan, prepare or execute this merger well. I am unable to use XXXX and I am not sure I am receiving ACH payments as I have not received a statement since the merger.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to not adhere to the laws set in place to protect consumers and need to be held accountable. 

I have asked on multiple occasion for your company to verify my alleged account and you have failed to do so. All I was was provided was a bunch of statements. I asked that you provide the specific methods in which you used to verify the alleged account. 

I was was sent a packet of statements as well as was told they DO NOT have a contract on file for me. No contract is grounds for deleting the account as they have no proof that I agreed to anything. And if they did have a contract, per the judgment in the XXXX XXXX XXXX XXXX XXXX, the Consumer Contract is not sufficient evidence of a debt. 

I hereby give your company notice pursuant to 15 USC 1602 ( k ) that your company never provided me an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your company didn't even inform me about the cost of the alleged credit and the only evidence of the indebtedness was a computer generated agreement which you don't have.

Since adequate notice was not given as per the above-mentioned section, I couldn't understanding the meaning which is a violation under 15 USC 1602 ( k ). 

Also, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction, therefore possibly ( debt has yet to be proven mine ) made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices.

From your end I have not benefitted from this transaction which is again violation of 15 USC 1602 ( p ) According to 15 USC 1602 ( p ), The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use from which the cardholder receives no benefits.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

Peace & Love To All Who Read This! 

I applied for a card and got denied. Prior to me applying for one of the cards, I received dozens of emails from Capital One stating that I was preapproved for their cards. Since I never had any accounts with them, that means the credit card agencies were selling them my information illegally and without my permission. After I was denied, I never received any letters or emails stating why or providing the reference number. They just took my application and ran to the bank with it literally. Regardless of the reason for being denied I have a right to credit in a consumer credit transaction. Withholding my credit and access to my securities is securities fraud and discrimination. 15 USC 1691 states that it shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. You're violating the Equal Credit Opportunity Act and the Consumer Credit Protection Act. Section 16 part 1 of the Federal Reserve Act states that only the Board of Governors can make a decision on whether Im denied. 

According to your prospectus and XXXX documents, I know that you've turned the application into a security in which you're now selling and making money until it matures. Once approved for the card, I know that youll also be selling that as well. 

Assets Primary Assets of Master Trust - Receivables in unsecured consumer and small business revolving credit card accounts You may have sold all rights, titles, and interest of the receivables ( COMET ), but Im the beneficial owner and noteholder. You're being paid! Not only that, but you also got the original issue discount ( OID ). You're still receiving interest plus payments being sent to you by uninformed customers who think they owe you, but you actually owe them BIG TIME! 

You are stealing from me and scamming me. Youre using my credit to make money. Thats identity theft. You use false and misleading business practices to acquire massive wealth while not giving your customers whats due to them. Thats unjust enrichment and racketeering. You're also doing it to millions of other customers by not informing them that they are actually investors in your company due to your organization using their credit to make money. You're performing illegal acts that will land a lot of people in your organization in prison for a long time including your transfer agents, clearinghouse, and other trustees due to the Holder In XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

WELLS FARGO BANK now you have the information to make this right. I know this is money laundering and if not corrected you are put of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested XXXX and Equifax to verify a bankruptcy on my credit report. I also requested for them to send me any information regarding there decision on the outcome. All they send me is a letter stating they verified it with a third party lender. They failed to respond to my request accordingly and chose to ignore what I asked for. Leads me to believe they never verified the information as requested.
Product: Credit reporting or other personal consumer reports

I have been trying to obtain my credit report for a few years, with no luck because each website always tell me that I already have an account with different emails, in which I have never set up. Never took the pursuit as serious, as I did not feel like I needed my credit at the moment. Now that I am more knowledgable, I ordered a report and I found out that there have been multiple accounts fraudulently opened in my name. I have started reaching out to companies to have them closed. I have also obtained a police report and a FTC report.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX Acct # XXXX has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

Long story short when I refinanced after the first year to lower my interest rate Wells Fargo never bothered to check the current property taxes. 
The property taxes literally tripled but when Wells Fargo took over the loan they used a year old settlement statement instead of making sure the impound was sufficient to pay the taxes. Even after Wells Fargo paid a supplemental tax bill that was substantial nearly a year ago they never did a Escrow Analysis until XXXX 2016. Which means the impound account went over for nearly a year before they did a new Escrow Analysis. Now Wells Fargo demands that I pay them XXXX sum odd dollars before XXXX XXXX, 2016 or my mortgage payment go from XXXX a month to XXXX a month for a year to pay back the XXXX and the new amount needed to pay the increased property taxes. I like most have my taxes impounded so I do n't get in to this exact situation. So now I 'm having to beg Wells Fargo to modify the loan so I do n't starve to death or loose my home. I 'm XXXX years old and was laid off after 7 years employment due to oil prices. I have a new job but the pay is substantially lower am I 'm devastated at Wells Fargo course of action. I am having to beg them to modify the loan and being treated like I 'm in default! All my payments have been on time so why is this happening when I did every thing I was obligated to do according to the loan docs?
Product: Credit card or prepaid card

Hello, On XX/XX/2021 I decided to purchase a camera lens from XXXX. I decided to use my Apple Card ( Globman Sachs Bank USA ) for that purchase. I contacted the customer service via text message and asked the agent a simple question : Me : If I purchase with XXXX, can I still get the zero interest rates using my apple card?

The Agent : When you purchase with your Apple Card, it WILL NOT charge you interest whatsoever. 
Me : So ZERO interest? 
Agent : Absolutely! You are right.

Then I received my next month 's statement, and it showed an Interest amount on it. I called to find out why is that happening to my account. They reviewed the text messages at their end. They apologized for the wrong information, and they waived the interest rate for that month and promised me to fix the issue, and they asked me to call every month and ask for the interest waive since it was their mistake MISLEADING their customer. I called the next month, and I was surprised that they wouldn't do anything about it. They promised me to take it to the next level, but they did nothing about it. 
I called them repeatedly and just tried to get fair treatment since they gave the wrong information at the beginning but NO HOPE. They are charging me every month, and I had to change my payment plan and cut many things to satisfy their payments. They promised me to reach out with a different solution, but they did not. 
All I am asking now is to get fair treatment for the Misleading and Wrong information they provided me and not helping me get it fixed.
Product: Debt collection

Called my place of employment and threaten me saying they would call my human resources at my corporate office.
Product: Credit card

I had an issue with my bank and I missed my credit card payment, I made up the payment and when I contacted the company to have the interest removed they did. I was still charged interest on my next month and I still have received no explanation as to why. No employee was able to explain it. I had spoken with someone and got everything settled for the previous month and I was still charged interest the next month even though having everything settled on the account.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed the lawsuit against experience, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, excepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, were experience as neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amends the disputed accounts, as experience in action violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am making this complaint to alert you that I was the victim of identity theft. I recently obtained a copy of my credit report and was surprised to discover that there are numerous accounts on it that I did not open and am unaware of. I investigated how to delete the false accounts on my report and discovered that I needed to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to make a report and that Credit Reporting Agencies are obligated to remove any accounts listed on an ID THEFT REPORT under FCRA section 605b. Please see the ATTACHED materials for assistance in preventing the incorrect information that is being uploaded to my report. I'm talking about the following items : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXXXXXX XXXX XXXX  XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ), CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer designates as information resulting from an alleged identity theft within four business days of receipt.
Product: Checking or savings account

I filed a dispute with Sofi bank on XXXX XXXX in the amount of XXXX for unauthorized charges and a day or 2 later my dispute was denied the would not investigate correctly & they would not provide evidence why they denied my claim. I explained and showed evidence of what happened and occurred that I did not authorize any of those transactions
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act XXXX XXXX ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX