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

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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Mortgage

Citi mortgage had a modification package as of XXXX see attachment. 
The sale date was set for XXXX. Never once did Citi reach out stating information was needed/missing. Our office has called in for the last 3 weeks. NO ONE contacted the homeowner regarding missing documents. 
There has been a consistent issue with authorization even though XXXX was sent XXXX and XXXX verbals good for 6 months were issued by the homeowner. 
Friday XXXX XXXX failed to mention documents were needed. 
XXXX supervisor XXXX XXXX reviewed the file and stated we should have been made aware info was needed. 
The XXXX never contacted our office until XXXX even though previous emails were sent to him. On XXXX he emailed and stated the sale date for XXXX would not be postponed as it is to close to the sale date. The file HAD BEEN WITH THE UNDERWRITER. Please see attached email. 
It is very apparent CITI has neglected this file. The employees are very incompetent as well as negligent. We are DEMANDING that the sale date be postponed so the file can be properly reviewed
Product: Checking or savings account

I am writing to express my outrage over the shocking and unacceptable treatment I have received from 5/3 Bank. Today, I was alerted that my username was removed from my account, and when I attempted to log in, I was met with denial and confusion. This led me to a harrowing experience with your customer service. 

After navigating through multiple transfers, I finally spoke with a representative who communicated in a manner that was both unclear and frustrating. I was informedrather bluntlythat 5/3 Bank has chosen to sever ties with me due to alleged fraud. I was told my account would be closed in 35 days, with no access granted to my funds or account details. In a further blow, my daughters account is also at risk because of my association with it and that we could visit a branch to withdraw our funds and open an account at another.

My husband rushed to the branch to seek answers, only to be met with bewilderment from the branch manager. They found no notes or explanations on my account, and their attempts to reach the fraud department were met with silence. ( Another LIE the hours stated online are until XXXX and this was XXXX ) To add insult to injury, we learned that all our fundsmy husbands, my daughters, and minehave been frozen. 

This is beyond appalling. I am left with no money for gas, no groceries, and no means to pay our mortgage, which is due in XXXX days! This reckless action has plunged my family into a crisis, and it feels as though we are being punished for disputing valid charges.
Product: Credit reporting or other personal consumer reports

I was a victim of the EQUIFAX DATA BREACH. I sent certified letter to them on XXXX THRU XXXX CERTIED TRACKING # XXXX & USPS RETURN RECEIPT TRACKING # XXXX. NO RESPONSE FROM THE COMPANY
Product: Debt collection

I contacted the merchant, Conns at XXXX on XX/XX/2019 via automated service and it stated my payoff amount was {$3200.00} therefore, I made a payment for {$2000.00}. Next day, XX/XX/2019 I contacted merchant again and spoke with a live representative and she verified payment of $ XXXX made and confirmed remaining payoff amount of {$1200.00}. I paid {$1200.00} on XX/XX/2019 via automated service. 

A few days later, I contacted merchant again and spoke with a live representative and now they confirmed payoff amount was paid {$3200.00} and I would receive letter stating account paid off, XXXX balance remaining, account closed and late payment error would be removed from my credit report. 

I have since called merchant several times and now they are stating I have a remaining balance of {$290.00} needed to payoff account. This merchant is clearly guilty of Deceptive Trade Practices Act which is clearly ruining my credit, Please assist in resolving this matter as soon as possible.

Sincerely, Frustrated Consumer
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 : 1. XXXX  XXXX Account Number : XXXX 2. XXXX XXXX XXXX  Account Number : XXXX 3. XXXX XXXX Account Number : XXXX 4. XXXX Account Number : XXXX 5. XXXX Account Number : XXXX
Product: Mortgage

I filed a chapter XXXX in 2012 its been discharged since XXXX 2012 and I have a mortgage with Wells Fargo I never late in my payment from the day XXXX purchased my home until this time and also when I filled BK I never included my home. Since the BK my mortgage is not reporting on my credit which when I called to inquire why is not reporting Wells Fargo is keep telling me its protected by BK and also I did n't reaffirmed it. When I talk to legal advisors would tell me the I cant reaffirmed a mortgage which secured by deed. called back wells fargo they are not welling to help me since 2012 my mortgage is not reporting on my credit i need this to resolve, there is no judge will rule a reaffirmed in Colorado.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, ~Name : US DEPT OF EDXXXX Account number:XXXX XXXXDEPT OF EDUCATION/XXXX Account number XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. code 1692b- 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
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 WITH BALANCE OF XXXX, XXXX  XXXX WITH BALANCE OF XXXX, Removal of address XXXX XXXX XXXX XXXX XXXX, CA XXXX 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. 

15 U.S.C. 1681B ( 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: Vehicle loan or lease

I received a quote online for the payoff amount on my car for the XXXX, XX/XX/2019. I sent a cashiers check via email to Ally XXXX XXXX, which they posted on XX/XX/XXXX. I called customer service, XXXX, on XX/XX/XXXX to provide my XXXX account number for them to send the title overnight and was told they were sending the title to my credit union based on title instructions they received. This was incorrect because I sent the cashiers check from my credit union where I bank. I was assured that the error was corrected and the title would be sent to me at my home address by the following Monday, XX/XX/XXXX. I called customer service on XX/XX/XXXX to confirm everything was good and was told that my title would be sent to XXXX XXXX, who I have never dealt with in my life. I was assured that everything was corrected and my title would be mailed to me. I called customer service again on XX/XX/XXXX and was told that my title was sent to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Ok, XXXX. They said they couldn't help me until they receive the title back from XXXX. They apologized for the error and would call me back on XX/XX/XXXX between XXXX XXXX and XXXX XXXX   eastern time. They didn't call, so I called them. I have to start over every time I call. There is no manager you can talk to. I am just assured that they will fix it. But every time I call I get a new person and have to convince them all over again that they made a mistake. The vehicle has a value of $ XXXX. My loan is completely paid off, but I can not get the title for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I send them messages, emails, calls dozens of times over the past few months but never get any responses. I am trying to get confirmation of my auto-pay on my student loan, however it is not showing after trying to submit many, many times.
Product: Debt or credit management

I paid Lexington law to help me to Repair my credit they did nothing to help me
Product: Money transfer, virtual currency, or money service

I used Xoom service on XX/XX/2020, to send {$1600.00} to the XXXX. The Xoom immediately deducted the money from my bank account and I received an email receipt confirming the payment. My Xoom account is showing that the payment is complete and given the transaction number XXXX. The Xoom hasnt deposited the money into the recipients bank account as of XX/XX/2020. 

The Xoom did promise on their website during the transaction that they will be depositing the money to the recipients bank account in less than 2 hours and there is no notice of delay mentioned anywhere on the website. It is apparent that the Xoom is  misleading the customers with their express promises which I relied on. 

The Xooms customer service via phone call has been disabled and the customer can only reach out to Xoom via their customer support form on their website and via XXXX. Since XX/XX/XXXX, I have written numerous emails ( more than 25 ) to Xoom regarding my transaction which also includes sending emails to their CEOs and on their social media messages box. As of now, the Xoom has not assigned any representative to this case and no investigation has been conducted as per my knowledge. A week ago two Xoom representatives ( reference # XXXX and XXXX ) contacted me via phone after numerous requests, and I provided them all the proof ( recipients bank statements and details ) to investigate the transaction. I also requested them to refund my money if they can not deliver it to the intended recipient in two days, NOTHING has happened yet. They both ask me to wait for 24 hours so that they can trace the money ; it has been over 17 days now, and I still did not hear back from them. 

The Xoom is neither depositing the money to the recipients account nor refunding it to me, let alone contacting me with an update or details regarding the transaction that they deducted from my bank account without providing the service. 

An hour ago, I did a test via Xoom. I sent a {$65.00} from Xoom to  the same recipient to check if there is an issue from the recipients end. To my surprise, the money was deposited to the recipients bank account in a few minutes. Therefore, it almost confirms my suspicion that there is some foul play at Xooms end. 

I am beyond frustrated with Xoom services as the recipient is facing severe financial hardship during Covid-19 after losing her job and mounting loan penalties. I cooperated with Xoom representatives and waited patiently for weeks, however, I cant just sit here without knowing what Xoom has done to my money. 

I request your kind and urgent attention to the matter and help me find a resolution. 

Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) -- > XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my consumer rights . 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

Outside ATM took my cash deposit and shut down and did not credit my cash deposit to the account, which is making me late for paying a very important bill on time!!! The Bank ( Citibank ) will not give me a provisional credit to pay my BILL?
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Your NAME : XXXX XXXX Your XXXX XXXX XXXX XXXX XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion and Experian 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 a personal credit card account opened at XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, an private loan account opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX  under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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: Credit reporting or other personal consumer reports

I am reaching out to follow up on my prior request for an investigation into the errors on my credit report, which I originally submitted in XX/XX/XXXX. To date, I have not received any response from your office, and the inaccurate information still appears on my report, negatively impacting my credit. This inaction is both troubling and unacceptable. 

For your reference, the errors I highlighted in my initial letter are as follows : - XXXX  XXXX Balance Owed : {$XXXX} Date Opened : XX/XX/XXXX I respectfully request that Experian resolve this matter without further delay. PLEASE DELETE THE ACCOUNT MENTIONED ABOVE PROMPTLY.
Product: Credit card

I have a credit card with Barclays - XXXX XXXX. I've had this card for 20+ years. Recently I received a letter in the mail requiring me to verify my customer identity by mailing a copy of my drivers license, social security card and passport in order to comply with federal regulations. I called to discuss and was told this information is required. First this is an overreach on my privacy to require this information. All necessary information was provided at time of application. I offered to verify my information over the phone but was told no that won't work/ Second, mailing or faxing personal information of this nature is asking for fraudulent activity to occur. How do I know who's receiving the fax or if the correct person is receiving it? How do I know mailing my personal information will make it to it's destination or get lost in our wonderful USPS system? It's 2025! If information like this is really necessary, which it shouldn't be, Barclay should make it possible for me to access my account online and securely upload this information.
Product: Credit reporting or other personal consumer reports

I have asked Equifax to provide me with proof that i was late on the dates they are reporting, however, they haven't provided the information or corrected the problem by updating as paid ok. the dates that are incorrectly reporting are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Additionally, they are reporting XXXX lates in a XXXX ( month ) day period, this is impossible! This is incorrect inaccurate credit reporting and slandering my reputation as well causing me to be denied for loan products. please provide proof documents of the reported late payments or update to paid OK.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I started this issue with the XXXX  back in XX/XX/XXXXXXXX  and it still has not been resolved. 

I am still waiting on the letter from XXXX XXXX as they once again reported me as delinquent but instead of in XX/XX/XXXXXXXX  they changed it to XX/XX/XXXX. 

I have three weeks to move and my and my kids now have no were to go because of this. 

I have contacted a lawyer, and plan to sue XXXX XXXX as they are unwilling to fix their issue. 

They have reported illegal information, this card had nothing at all to do with the bankruptcy, nothing at all, I do not understand why it is so hard for them to read. 

I will try again the XXXX  XXXX was filed in XX/XX/XXXX, and discharged in XX/XX/XXXXXXXX  if the card was not open in XXXX  it could not be included in the bankruptcy, it was illegal of them to closed the account using an old bankruptcy case. 

And no payments were late, as they refused to take a payment from me in XX/XX/XXXXXXXX  this is all XXXX XXXX error. 

Attached is a new XXXX report showing the delinquency that XXXX XXXX report on XX/XX/XXXX.
Product: Student loan

this account has been transferred to XXXX XXXX XXXX and is currently being paid through that lender. I have asked for the account to be removed due to current student loan status and was refused, account information is inaccurate ; date opened shows : XX/XX/0001? what is that?
Product: Credit reporting or other personal consumer reports

I have contacted the company numerous times, and they have yet to return to me with any information.