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 4 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 XXXXXX/XX/year> 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: Credit reporting, credit repair services, or other personal consumer reports

I sent out a Dispute Letter about these inquires which ill be attaching i have also received a letter telling me basically that trans union wont remove these unverified inquires off of my credit
Product: Credit reporting or other personal consumer reports

I applied for a loan due to an emergency in my family that left my jobless to provide for my kids. I was denied a loan because of the information that is being reported to my credit profile. I have sent multiple letters to get these issues addressed and nothing has been updated. I am on the verge of a eviction because i do not have the funds to get a loan to find a new place of residence for me & my family because the bureaus are damaging my character and dictating my credit worthiness. I need this issue addressed & fixed IMMEDIATELY. i have been trying to get these negative incorrect items removed for the past few months and i have not seen any change & i am very frustrated and emotionally stressed which is causing my health to decline.
Product: Credit reporting or other personal consumer reports

I have had numerous errors and complaints. Items are updated instead of deleted for inaccurate information after a dispute. I have demanded for deletion. Please help
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. To reiterate, my correct and up-to-date personal information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1.Immediate removal of the erroneous address from my credit report.

2.An updated credit report reflecting the corrected information.

3.Written confirmation of the actions taken to resolve this dispute. 

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

When calling XXXX XXXX they say the account is no longer with them and is with Stacy and Hood. Stacy and Hood say they are legal representation for XXXX XXXX. I am trying to make payments to the car loan but payments can not be made to them by phone or online. I made a recent payment by phone with Stacy and Hood for XXXX XXXX but the payment says it went to Stacy and Hood and I have no account with them and XXXX XXXX refuses any communications.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have excessive telephone numbers reported on Trans Union Credit Breau and unable to login to dispute and " Block because I am Black Blocked '' so they can implement systemic discrimination as Tran Union is not allowing me to dispute reporting by blocking Black from login into their system to continue their report of erroneous information as to excessive telephone and not reporting or allowing update to correct telephone number of XXXX to assist companies and Banks discriminate. 

It's been said that government agencies like " Social Security Administration and IRS '' have Dept. of Justice to harass senior citizen and cover-up discriminate and could be involved with this type of corruption or discrimination or due to politics. Practice to evade federal protection at FRCA or ECOA and other laws to protection American by systemically discrimination and maybe one of the cause violations in America. 
Even XXXX XXXX employees have no power to correct allow login because I am Black Blocked. 

XXXX will not let me login or anything because they want to continue to report erroneous information systemically to Black-Blocked my credit file.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I signed on to my Coinbase Account to sell Bitcoin for USD. 
Transaction was to sell XXXX BTC for USD to be wire transferred to my Bank acct. 
At the time of the transaction Btc was around {$4000.00}. Coinbase acknowledged the request. The BTC was deducted from my wallet, but the USD never appeared in my bank. I contacted Customer Support, they assured me that my funds were safe. After weeks of radio silence they responded and acknowledged that there was an issue and said they would return my funds to me. The Customer support agent stated that this was high priority for him and would be resolved on the following business day. That was XX/XX/XXXX. 
I still have no resolution and feel that my complaints are going unanswered. I want my Bitcoin back into my account as if this never happened. XXXX Btc is worth around {$8000.00} right now. It has been 3 months that Coinbase has made my funds unassailable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to corrected immediately : XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX
Product: Mortgage

XXXX  XXXX  forclousing on my home without me being aware they were selling the home. Home bought in XX/XX/2016.. XXXX XXXX has lien but sold account to XXXX and I was not aware. Account sold several time and companies asking me to pay from the beginning. For several years I was not aware who had my small loan for $ XXXX, balloon loan. I am current with big loan.. not behind.. But XXXX  has foreclosure date of XX/XX/XXXX and I just learned about it I have been paying SLS. ( Specialized Loan Servicing ) on large loan and just now they also have the small loan.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6o2 states I have the right to privacy 15 USC 1681, section 6o4a section 2. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres wrong information on my credit reports from way back almost 2014. Wrong telephone numbers and wrong address included. This info has been targeted in more than 2 ocassions and stills appears.
Product: Credit reporting or other personal consumer reports

I had my purse with all of my credit cards and bank information and all of my identity information ( drivers license and social security card ) in it. I noticed that there was activity on my bank account I notified them right away and had everything stopped. And changed all of my passwords to all of my accounts. I contacted the local police department and made a report and also contacted the company that handles identity theft. I reached out to the loan company and told them what happened. They put a negative report on my credit report and I have been trying to dispute it, I sent loan company all paperwork and they said that since my name is on the bank account that its my responsibility to pay it back. Of course my name is going to be on the account, it was my account until someone stole it
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted each credit bureau because of false reporting lack of investigation an credit dropping significantly causing denial an confusion.
Product: Mortgage

I found out that on XXXX XXXX XXXX that my home was going up for auction on XXXX XXXX, XXXX. I had tried working with nationstar ( the company holding the note ) to work on a modification. My ex-husband XXXX XXXX XXXX XXXX put XXXX in place in XXXX and I paid on it through XXXX and XXXX until XXXX/XXXX/XXXX. I had made a verbal agreement that he would pay the XXXX payment of which he did not. By the time the bank informed me about no payments on the house I was XXXX payments late. I did not have almost XXXX to give them so I asked if I could do a modification since I was the XXXX that had been paying for the house for the last two years. I was told no XXXX XXXX would have to do a modification because my name was not on the Note of Mortgage. But I found out on XXXX/XXXX/XXXX that my name was put on the mortgage note in XXXX in book XXXX page XXXX. My ex-husband did the modification by himself in XXXX of XXXX recorded in book XXXX page XXXX. I asked Nationstar at the time because we were seperated and I intended to purchase the house from my exhusband if I needed to fill out a modification myself. I was told no the house note was only in my exhusbands name. Upon being served by the lawyer holding the auction on my home I found out that in XXXX when we remodified my loan with XXXX my name was put on the note without my signature or consent, and also on the note with my consent. I did sign a note in XXXX due to the lawyer stating I was signing my name just to the title not knowing it was the note, but we refinanced in XXXX and NEVER signed the note, but the lawyer rolled the mortgage over with my name on it without having me sign the note. I removed my name from the deed on XXXX because the bank I was working with to purchase the home said I could not purchase something I technically already owned so I removed my name from the title for purchase. This is when I found out that there was over another XXXX dollars worth of liens on my home and the bank backed out and found out that my name was on the note for a second mortgage of which I had no clue exsisted. Both my exhusband and myself had put a second mortgage on the house in XXXX through XXXX credit, but that was paid off by myself in XXXX in full. I just want to purchase my house, cut through all the wrongs that have been committed to me and keep my house. I have every piece of paperwork, but cant not attach over XXXX pages to this. If you want every piece of my mortgage from the original purchase date of XXXX I can and am more than willing to do this. I currently have no clue who owns my home other than XXXX that purchased it back at auction for XXXX. I know that by putting my name on a document I did not sign is not legal, so I would like to know were I am to go and what I am to do to keep my home. I have now been given a bill saying that XXXX XXXX XXXX XXXX ( XXXX ) owns my home and that the breakdown of money goes at they purchased the house for {$150000.00} but principal, interest and XXXX charges and escrow was {$240000.00} and foreclosure fees and costs is {$7300.00}. I do not feel I should be responsible for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying to do a credit freeze on all the credit reporting agencies due to the XXXX fiasco. Am being told there is a {$5.00} charge to freeze/unfreeze an account in Arizona at all three agencies. This is outrageous. Have already contacted the Arizona Governor, the Attorney General, and all my legislators about having this regulation for fees rescinded. Three legislators have called me back and I am being told they will not be able to introduce any bills till after the new state session starts in XX/XX/XXXX.
Citizens should not have to pay any fees for this freeze service. The credit agencies make enough money already and do n't need to subject us to more payments while we try to mitigate this disaster.
Product: Debt collection

I've contacted the consumer reporting agency several times asking to verify this debt, but they have willingly failed to verify it in violation of 15 U.S.C. 1681h 611 ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is to follow up regarding the unresolved issue of fraudulent items persisting on my account despite multiple attempts on my part to address and rectify the situation. I have diligently pursued the correction of these entries through numerous attempts, as outlined below : Initiated contact with your customer service department to report and request the removal of fraudulent items from my account. Engaged in follow-up communication with your fraud department, providing any additional information requested and cooperating fully in the investigation process. Escalated the matter to a supervisor or manager within your organization, seeking urgent intervention and resolution. Despite these concerted efforts, the fraudulent items persist, causing significant distress and financial uncertainty. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I sent US Bank two letters, providing evidence that their claim that the signatures matched did not have merit and asked US Bank for proof of indebtedness - proof I applied for or accepted a card offer, US bank responded with a letter dated XX/XX/2017 stating : Transactions claimed as fraud were transacted by cardmember.
Product: Credit reporting or other personal consumer reports

Nissan infinity financial services is reporting an account that is open on my credit report that needs to be closed this account was included in the XXXX  XXXX bankruptcy whenever I call and spoke to a representative on the telephone the representative advised me that there is account that is open also my attorney has a called 3 way and they did the same thing we're going to take legal actions against Nissan financial and infiniti finance
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer credit reports and there is inaccurate information ; inconsistent late payments reporting on accounts that I have never been late on. I have always made on time payments on my accounts, I have never been late. Consumer reporting agencies are required by law to report accurate information. The law is being broken and my consumer rights are being violated. I am requesting a thorough investigation of these discrepancies with documented written evidence to prove these late payment accusations that legally support these consumer reporting agencies inaccurate claims. 

Please provide my original creditors financial statements with payment history logs of my accounts showing these late payments with the exact dates, and dollar amounts of the actual missed payments and when these late payments were actually received, as well as provide me with a written transcript of the recorded phone call conversations with the time, date and staff persons names of when these late payment discrepancies were reported to these consumer reporting agencies from the original creditors. 

The account in discrepancy is as follows : XXXX XXXX  Account # XXXX I have provided a screen shot of my XXXX Credit Bureaus Report with the late payment discrepancies circled in red.

If you are unable to furnish the requested proof, I demand an immediate update of my payments to reflect the true on time paid as agreed/ never late status, as I have never been late on a payment. I have consistently upheld my payment obligations without delay. As I appreciate your prompt attention and action on this matter.
Product: Credit card

This transaction is related to my XXXX XXXXXXXX XXXX issued by Wells Fargo! 
Here is what happened. 

XX/XX/XXXX - I made a payment of {$940.00} to XXXX XXXX XX/XX/XXXX Week- I had a Fraud Transaction in XXXX, that I reported to XXXX  and they changed my card number and sent me a new card. The amount of the fraud was {$10.00}. The name of the merchant was XXXX XXXX XXXX. 


XX/XX/XXXX - My plans changed so I canceled my flight with XXXX XXXX. 
The refund for this amount got stuck on my previous card number, as It did not automatically transfer to my new card. After waiting a week, I called Wells Fargo regarding this. They acknowledged that the amount was stuck on my previous card number and they needed to transfer the amount. I was told that it would transfer in 48 hours. Since the amount was not transferred in 48 hours, I called them again and was told the same thing. It became a cycle, where I called them 5 times in a week regarding the amount not transferring. 

Then yesterday morning I saw the refund on my new card finally, but was quick to realize that Wells Fargo charged me another {$940.00} as a balance transfer. Thus it cancelled out my refund. So technically I still need to receive {$940.00} from Wells Fargo. ( See Screenshot Below ) So I again called them and they acknowledged it and said that they would expedite it and I would receive the money back in 24hrs. 

This morning I woke up and instead of seeing a refund, I saw another charge of {$940.00}, which blew my mind. This amount was not even posted under a memo, they just directly charged me and reflected on my credit. This now puts me {$1800.00} out of my own money. Thus at this point, Wells Fargo owes me {$1800.00}. 

Reiterating my charges : XX/XX/XXXX - I book a flight with Norwegian Airlines ( + {$940.00} ) ( Charged Correctly ) XX/XX/XXXX - I cancel my flight XX/XX/XXXX - Refund from XXXX XXXX ( - {$940.00} ) ( Charged Correctly ) XX/XX/XXXX - Item Transfer, Account Balance Transfer ( + {$940.00} ) ( Charged Incorrectly ) XXXX XXXX - No Memo ( + {$940.00} ) ( Charged Incorrectly ) Total ( {$1800.00} - Charged Incorrectly ) Thus, I called them and they straight up denied that it was an error and said it was correct. They went ahead and told me that the claim I filled on XX/XX/XXXX for the {$10.00} was a refund from XXXX XXXX for {$940.00}, which makes no sense. 

Wells Fargo went ahead and further claimed that I received the refund twice, which is not true as when I asked them to show the second refund, they couldn't answer me and said the Claim was filed on XX/XX/XXXX for {$10.00} was the refund I received from Norwegian. 

XXXX, the screenshots of the transactions in question. As you will notice there is an additional charge of {$940.00}, listed as Item Transfer, Account Balance Transfer. 
Moreover, The Charge made on XXXX XXXX is not even memoed.
Product: Mortgage

i had to refinance my home loan that i had with flagstar due to poor servicing on their part. 
now they are refusing to return XXXX dollars that my new lender overpaid to them in my settlement statement.flagstars payoff was for XXXX and my new lender paid them XXXX.this of course came out of my pocket.yesterday when i called them they told me that they were charging fees unknown to me thus i wasnt entitled to the overpayment.its my understanding that the payoff included all the fees associated with the loan to be paid off. 
finally theres the matter of XXXX dollars in escrow money that they are sitting on and not giving it back to me. 
i need for them to refund the escrow and the overpayment asap, since it doesnt belong to them.
Product: Debt collection

Niagara credit solutions sent a wage verification form to my employer I called them to find out what was going on I asked for verification of dept as I think it was already paid and was told they do not have to verify anything and there will be no settlement with them if I keep asking so they want me to pay them XXXX and I have no proof I owe anything this is not on my credit report and from XXXX XXXX XXXX card taken out in 2002 I am trying to go over my paperwork to see if it was paid but they are now threatening to garnish my wages
Product: Money transfer, virtual currency, or money service

My Western Union account was compromised and unauthorized wire transfer was made using my husbands debit card for a joint XXXX XXXX Account. I have since filed a police report and am working with Officer XXXX Badge # XXXX in regards to the charge. The information has been forwarded to Western Union at fax # XXXX-XXXX-XXXX-XXXX Attn : XXXX XXXX. I was a victim of identity theft by a 3rd party and should not be held liable. ( MTCN ) is : XXXX