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

I have credit inquiries on my report. I previously filed a police report and FTC report for Identify Theft and these inquiries are a result of the identity theft. I do not know what these inquiries are for and I did not authorize them. Here is a list of unauthorized inquires. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am a victim of identity theft. I check my credit report and found accounts that are not mine. I was 18 at the time these accounts are peportong and didnt know a thing about opening up credit cards accounts. These are not my accounts and I sent dispute letters to all credit bureaus Equifax XXXX and XXXX. XXXX was the only company there verified these accounts were not mine. XXXX and Equifax failed to do proper investigation on these accounts XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX report shows that an XXXX XXXX credit card was opened on XX/XX/2021 under my name. But I did not open an account. The report shows that I am an authorized user. It only shows a part of the account number which is XXXX. I do not have an XXXX credit card so this is not correct. I am afraid that someone has used my information to open a credit card account.
Product: Mortgage

XXXX I am following up to my complaint ( Case # XXXX ) filed on XXXX XXXX, XXXX. We have sent numerous QWRs to Wells Fargo without a qualified response. They are refusing to comply with RESPA and provide us with qualified answers to our QWRs which we have been sending since XXXX, XXXX. Please make them respond. We believe that they have committed fraud by and through never notifying us of changes to our ARM mortgage which they allege to have inherited from Wachovia and before them XXXX XXXX. We believe that they have failed to properly credit our account and fail to notify us of changes to the Adjustable Rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been enrolled in school full time since 2016. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are both reporting that my student loans defaulted and were 120+ days past due with a {$0.00} balance during the time I was enrolled in school full time. I have disputed the two XXXX XXXX XXXX accounts and the two XXXX XXXX XXXX XXXX accounts that are reporting 120+ days past due with all three credit bureaus multiple times and they keep coming back as verified. I am attaching proof of enrollment from NLSDS. 
I have contacted NLSDS and XXXX XXXX XXXX XXXX and both have told me that they will not change how the loans are reporting
Product: Money transfer, virtual currency, or money service

I was defrauded by a group impersonating legitimate companies through an employment scam. XX/XX/2020 I was " recruited '' by XXXX XXXX XXXX XXXX, using the names XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and an alleged HR Team. 
XX/XX/2020 They " hired '' me for a high paying position and sent me an I-9 and offer letter which I completed and returned. So they also have all my personal information. 
I was made to contact and pay {$1000.00} to a " vendor '' XXXX for materials I would need to perform the job. 
I sent the money via Zelle through my XXXX  XXXX XXXX App thinking it would be the safest option. 

Zelle has refused to issue a refund and XXXX  XXXX XXXX is not assuming any responsibility for the issue. I would have never sent money from my mobile banking app had I known it was not insured or protected. 

They also sent me a fraudulent check " to cover my training expenses and time " in the amount of {$3900.00} from another legitimate company " issued '' from a regional bank.
Product: Credit card

On XX/XX/year> I made an electronic payment from my checking account in the amount of {$50.00} which my bank states was delivered to the First Progress Credit Card Company on that date. I called XX/XX/year> and was told by them that they did not receive the payment. I also requested they close my account. I was informed by the company that they closed my account and it would take 6 weeks but I would get refunded the remaining amount. I called back later on XX/XX/XXXX to make sure the account was closed and again was told the account was closed. I then received a late fee on XX/XX/year> and my account is still open and they will not credit me the {$50.00} dollars I paid to them that they deposited, and they will not close the account. Another call was placed to a customer service representative by the name of XXXX on XX/XX/year> and she is not willing to help. They are refusing to close my account, losing my money and adding late fees and I do not want this affecting my credit score.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to dispute the information regarding my account with Jefferson Capital, opened on XX/XX/year>. The report lacks a closed status and payment history, which does not provide an accurate representation of the account. 

Please conduct an investigation and ensure my credit report is updated with accurate information.
Product: Debt collection

this is the 3rd time you've tried to collect something that is over 7 years old and you're falsifying the information you're putting on my credit report. This was disputed and removed before and no notification was received of this debt. I'm tired of going thru this and won't the item permanently deleted or I will file a lawsuit ALSO no notification of this debt being placed back on my report and per the law, you are required to notify me .. Then you report it as a fresh debt opened on XX/XX/2020 and THAT IS FALSE. THE DEBT IS NO LONGER VALID PER STATUE OF LIMITATION PLEASE DELETE
Product: Mortgage

XXXX-19 I made a claim against my home owner insurance and come to find out fifth third had not made my insurance payment so they would not take the claim called fifth third and they said they had a grace period of 60 days and my insurance said that is not true and told me that they had sent them a notice after talking to several people from the bank they said the would pay it so a week went by and I called insurance to refile the claim and they said they still had not got paid so I called the bank back and they sent it out around XX/XX/XXXX
Product: Debt collection

after receiving a voicemail from someone whom identified themselves only as " XXXX?, a carrier for the area '', implying she had legal paperwork to be issued to me the following day at my home and place of employment, requiring identification and a witness, i immediately called back and got to " XXXX ''. I denied owing any monies to them, their employer, or the original creditor and requested validation. This was immediately met with a defensive attitude, i gave them my address, where they sent their first piece of correspondence to me, this letter ( which i am submitting as proof ) contained no validation of the debt. nor did it tell me my rights of disputing it. regardless, i disputed it by certified mail ( the letter is also being submitted ). this company is refusing to respond or delete this from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX will not remove credit history. XXXX XXXX was transfered to XXXX and then later erased and closed through borrowers defense program. Although XXXX information is removed from credit report, XXXX will not remove theirs.
Product: Money transfer, virtual currency, or money service

I had listed that I was selling a complete sofa set on XXXX XXXX. A man reached out to me and stated he wanted to buy the set. He sent me a cashiers check of {$3000.00}. {$1200.00} for the set and {$1800.00} for the moving fees. He asked me if I could help pay the movers for him. So I said I would. The check cleared in the bank today and he wanted me to XXXX the moving company the {$1800.00} so that they can pick up the sofa set. I did so. Hours later he texted me that he had a emergency and couldnt buy the sofa. That he called the moving company and would like for me to return the money to him. At that point I was like something is not right. He continued to texted me saying he would send me another check so that I could send someone else money. Thats when I knew I just been had. And contacted my banks fraud department right away. I stated to them what happened and believe that the check is a fraud. But because the bank cleared it and put the funds in my account. I thought it was legit. My bank said that I was outta luck and could not do anything. They froze the check. Took back the entire {$3000.00} and Im out {$1800.00} which was what I had to pay my mortgage. Please is there any help I can get. I really thought I was doing the correct thing since the check cleared. Im so lost and hurt. Dont have to heart to tell my fianc I just lost out money. This all happened today. XXXX XXXX 2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried in many occasions and in different forms to contact the credit bureaus XXXX, XXXX and XXXX to request an investigation of inaccuracies and incomplete information on accounts that are untrue, unverified, incorrect, incomplete, untimely, not mine not my responsibility.. according to the FCRA they are required to promptly DELETE all the information that is inaccurate, incomplete or which can not be verified accordingly. Im now enacting my consumer and civil rights to compel you to annul with permanent deletion of the derogatory accounts allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine not my responsibility. the accounts in question are as follow : Bank XXXX XXXX Account XXXX Bank XXXX XXXX Account XXXX Discover Bank Account XXXX XXXX Bank Account XXXX XXXX Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXX Balance : {$390.00} ; XXXX XXXX XXXX XXXXX Balance : {$400.00} XXXX XXXXX Balance : {$270.00} : XXXX XXXX XXXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXXXXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security XXXX XXXX, a resident of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : A copy of my drivers license or government-issued ID. 
A copy of a recent utility bill or bank statement confirming my current address. 
A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX ( loan servicing ) under United Wholesale Mortgage applied both escrow and monthly payments in error resulting in delinquent account reporting to the credit bureaus.

Example 1 : {$2600.00} escrow payment was made on XX/XX/2020. 
- XXXX/UWM reversed the escrow payment the same day as payment was made and applied it as the XX/XX/XXXX payment weeks prior to due date. 
- No notification was provided to me that this occurred. 

Example 2 : {$2300.00} XX/XX/XXXX payment made on XX/XX/XXXX was applied to principle only. 
- No notification was provided to me that this occurred. 

Example 3 : {$2300.00} XX/XX/XXXX payment made XX/XX/XXXX was applied to principle only. 
- No notification was provided to me that this occurred. 

I was notified that UWM was transferring ( selling ) my loan to a new company. I found all of these stated errors during my review of the account in mid XXXX when ensuring my escrow and other balances where in order. 

I immediately notified UWM of the errors in an attempt to correct my account prior to the XX/XX/XXXX transfer date. UWM agreed they had made errors and reversed the escrow payment back to escrow and reversed the XXXX payment from principal to a monthly payment and removed the late fees. 

The errors continued though ... the XXXX payment that had been applied to principle was reversed but applied to principle again a second time. UWM 's lack of response time resulted in transferring of the loan to my new mortgage company with escrow and payment errors. Although I am making progress with the new mortgage company to correct UWM and XXXX errors, I have been reported to the credit bureaus by UWM/XXXX as being delinquent XXXX days for my XXXX payment. This has dropped my XXXX credit score to XXXX. This is after UWM assured me that they were in error and nothing would be reported. 

I have disputed the report with all three credit bureaus, called UWM, emailed UWM, used back channels through mortgage brokers over the past two weeks but have gotten zero results and still have a XXXX credit score and need to make a major purchase.

UWM and XXXX have made major errors that have impacted my credit and resulted in me spending over 50 hours attempting to minimize the damage. As a customer, I would expect a mortgage or servicing company to at least be able to perform the basic function of applying my payments correctly. If they can not do that and don't have the understanding to make corrections they should find work that is not as important as mortgages. 

What should be considered is legislation that would require mortgage companies to compensate customers for the time spent in correcting errors made on the mortgage company 's behalf. I would bet they would improve their processes and certainly their response time knowing these errors would impact the bottom line. 

Please help!
Product: Credit reporting or other personal consumer reports

I was stunned this morning when I saw wrong accounts on my credit report, and I cant figure out how they got there. I check my credit report often, but this time, I was hit with discrepancies that werent there before. I tried refreshing my browser, thinking it was a simple glitch, but unfortunately, the inaccurate accounts didnt disappear. This situation is incredibly stressful, so I am requesting a detailed review of my documents to ensure I never have to face this again.
Product: Debt collection

I contacted the company directly to dispute the debt they in turn sold the debt to a collection agency. I have disputed this debt 3 times already once was successful last year the two this year were not. I have not had service with the company since XXXX yet the debt is supposedly from last year at my previous address. I have had new service with a different company since XXXX. They refuse to remove the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

XXXX XXXX, XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the 2015 OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

on XX/XX/XXXX They contacted me 3 times and on the third time I asked them to not call me repeatedly while I was working. The individual told me that they had no control over the calls and that it was automated and they can only leave me a message on the 3rd time they call. I have asked multiple times they call me after XXXX and still they call me any time between XXXX and XXXX multiple times a day.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I opened a Robinhood account so I could buy some crypto currency. I funded the account with {$1000.00} and purchased Ethereum with those funds. Robinhood notified me that my account was on restriction and I needed to provide copies of my bank statement. I complied and sent them that documentation. Around XX/XX/XXXX I decided that I did not have the tolerance for the crypto market and placed the order to sell my XXXX XXXX. They complied and placed the remaining funds, {$810.00} back into my holding account on their platform. I tried to withdraw the funds back to my bank account and was denied with the reason that my XXXX account was restricted. I requested a call from them around XX/XX/XXXX. They eventually closed that support ticket stating that I missed their call. My phone never registered a call from them. I opened another support call with them and around XX/XX/XXXX, their support team finally called me on XX/XX/XXXX. They asked a bunch of questions about my intentions for the account I had opened. I tried to explain that I wanted to buy come crypto but had quickly decided that I no longer wanted to do that and just wanted to have my remaining money returned to me. They again requested copies of my bank statement which I sent them again. Around XX/XX/XXXX or XXXX I was notified that my account would be closed by them. I could still see they had my remaining funds, {$830.00} dollars in my XXXX account. On XX/XX/XXXX I was notified that my account was closed. I could still see they had my remaining funds. Due to my account being closed I can no longer communicate with their support team and they have not returned my funds and now the funds are no longer being shown in my XXXX account. I've been waiting for them to be returned to my bank account but that's not happening. I just want to know when and how my funds will be returned.
Product: Credit reporting or other personal consumer reports

Dispute letter sent with identification. Company is refusing to start dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. The Experian Credit Bureau is reporting inaccurate information on the accounts below ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX