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

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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Product: Credit reporting or other personal consumer reports

I have a collection from XXXX XXXX on two report showing different amounts and a collection from Columbia Debt also showing different amounts. I have disputed this a number of times and it has not came off or have the updated the info to prove it is valid.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Last 4 digits SS # XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, I am writing to address a matter of utmost concern regarding my recent credit report. Upon reviewing my report The following accounts ( itemized below ) are reporting a current balance when it is my understanding and reason to believe that this debt was charged off by each lender. Because of that fact, this debt is cancelled and at least should not reflect the balance nor continue to actively report current updates that is currently showing on my consumer file. This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Please delete these inaccuracies. 

Barclays Bank Delaware : Balance {$1400.00} Last Report date XX/XX/XXXX  XXXX XXXX XXXX XXXX : Balance {$410.00} Last Report date XX/XX/XXXX  XXXX  Personal Loan : Balance {$790.00} Last Report date XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

This account XXXX XXXX /formerly known as XXXX XXXX/XXXX XXXX  XXXX XXXX account # XXXX was re-inserted on my credit report after being removed as a fraudulent account. Because this account was removed for fraud I was told that it would be permanently blocked from being on my credit report. In the month of XX/XX/XXXX this fraudulent account was re-inserted on my credit file in direct violation of FCRA 611 I have sent in several letters regarding this but I have not received any response so I called on XX/XX/2019 to see what could be done. This account should have never been put back on my file as it is fraudulent and was determined fraudulent and removed for that reason. Now it is back on my file with a new name the account which is named XXXX XXXX was formerly known as XXXX XXXX/XXXX XXXX XXXX XXXX account # XXXX? XXXX XXXX merged and is now XXXX XXXX .... this Is the same account with a new company name ... .. but again this is the " SAME ''  account that was removed for fraud ... this was not there before .... this account is not mine and needs to be removed permanently and not be reinserted again please research the previous deletion of XXXX XXXX/XXXX XXXX XXXX XXXX   account # XXXX so you can determine how to fix this.
Product: Money transfer, virtual currency, or money service

Hi Dear officer, I would like to report a fraud which started on XX/XX/XXXX. 

On XX/XX/XXXX, I wire-transferred {$75000.00} to Gdax/Coinbase account using the wire transfer information/instruction provided by gdax.com. 
On XX/XX/XXXX, from support.coinbase.com, XXXX opened a case regarding this wire transfer indicating that the transfer failed and was reversed. On the same day, I received an email from them indicating the same. 

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I asked them to investigate this matter but never got a single response back ever since they open the case on XX/XX/XXXX. 

I contacted XXXX XXXX XXXX XXXX, the originating bank couple of times. in the first calls regarding to why this transfer was not successful and what I should do to speed up the reversal process, XXXX XXXX told me since Coinbase already started the reversal process, I just need to wait. Then before XXXX, when I talked to XXXX again, she realized it is taking too long for the reversal, so she started talk to the wire transfer department in XXXX XXXX XXXX to try to recall the wire transfer. 

But so far there is no response from Coinbase.com for the efforts from XXXX XXXX XXXX side. 

I have provided the following documents to establish my case. 

The email from XXXX notifying me of the wire transfer reversal on XX/XX/XXXX The Coinbase support case update history through screenshots The screenshot of Gdax ( which is linked with Coinbase.com ) provided wire transfer instructions The wire transfer transaction record itself. 

In case you need to talk to the originating bank XXXX XXXX XXXX XXXX, I will provide XXXX XXXX contact information as well.
Product: Checking or savings account

At XXXX today ( central time ) I got the fourth notice of the following : BofA Security : Debit card ending in XXXX was declined because the CVV was entered incorrectly. Please try again. Reply STOP to end texts. 
From XXXX Instead of opening their link, I contacted my bank, checked to make sure all the links were correct ; attempted to order a new card, then called the number XXXX And spoke to a man named XXXX. 
He sent three texts to various my phone account, but none went through.

He then told me this was a fake number and to get a hold of the fcc.gov to report This is that report.
Product: Credit card or prepaid card

Synchrony automatically enrolled my XXXX credit card in their optional Card Security program without my consent when the account was opened in 2015. This led to a monthly charge of 1.66 % per 100 dollars of my balance per month. In total, this led to well over 1,000 in " fees '' during the time this service was active. I was never informed of this optional feature and never consented to it.
Product: Mortgage

Issue : On XXXX/XXXX/16 I received an unsolicited call from XXXX XXXX at Loandepot. He stated the reason for his call was to notify me that my second mortgage was out of compliance with Loandepot and that the loan should of not been issued in the first place. As an early XXXX present Loandepot was going to absorb ( pay-off ) the second to satisfy investors and compliance ; in turn I would have to re-finance my first mortgage, which I was ok with. In addition, they were going to take the balance of the personal loan I also have with LoanDepot and roll that into the first, so that I would just have XXXX payment. He stated that Loandepot was going to take care of all the administrative costs. Their words, " This is labeled as a 'high priority loan ' and we need to make it right, our leadership team thanks you. '' Today, XXXX/XXXX/16 I was contacted by the same loan officer XXXX XXXX. He now indicated that Loandepot is not going to pay-off the second and the first and second can be combined. The stories are conflicting! 

The problem : As a consumer, I feel like I am being manipulated. I do n't know what is fact or fiction. They are a large company with all the leadership, facts, documents, etc to make informed decisions. If you are going to call a customer un-solicted and make them an offer, then that is what they need to do. " Stand behind their word. '' Note : As indicated from the conversations ; all calls are monitored and recorded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX  XXXX  CONNS XXXX ... XXXX XXXX XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to formally request the removal of certain information from my credit report, as I believe it violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B. 
According to the FCRA, it is illegal to report information on my credit report without my explicit permission. I have reviewed my credit report and found items that I did not authorize, which I believe are not only inaccurate but also detrimental to my credit profile. 
I understand the importance of maintaining accurate credit information, and I take my financial responsibilities seriously. Unauthorized entries can significantly impact my ability to secure credit and may lead to unwarranted financial consequences. Therefore, I kindly request that you investigate this matter thoroughly and remove the unauthorized information from my credit report. 
I appreciate your prompt attention to this issue and look forward to your swift resolution. Please confirm the removal of the disputed items and provide me with an updated copy of my credit report once this action has been completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing and challenging Respectfully Experian, XXXX and XXXX on the issues of debt collections and Charges Offs of XXXX XXXX of unknown debts of {$6000.00}, XXXX XXXX unknown debt Collection Charge Off of {$6200.00} and XXXX XXXX  Charge Off of {$10000.00}. 
I don't have Auto Loans or loans with none of this companies and I don't owed them this debts. 

Also there is Bankruptcy on my XXXX that needs to be deleted, this derogatory item is not on my Experian or XXXX credit Reports. Why is this Negative items are on my credit report.. 

I am XXXX Lifetime, XXXX. XXXX, XXXX and XXXX are trying to collect from my XXXX XXXX pension. income and Violating my XXXX XXXX Civil Rights Act under Department of Justice. 

Companies and Experian, XXXX and XXXX has been sharing my information with other financial institutions and companies without my Consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. I contacted Equifax and XXXX creditors, and they have NO proof I initiated such inquiries, nor written authorization, and have failed to provide any permissible purpose. Since they do not have my authorization, written or verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b in ge
neral.

Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. 
If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the data is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX XXXX XXXX  Inquiry Date : XX/XX/2022 Creditor : XXXX XXXX Inquiry Date XXXX XX/XX/2022 Creditor : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/2022 Creditor : XXXX XXXX Inquiry XXXX : XX/XX/2022 Creditor : XXXX XXXX Inquiry Date : XX/XX/2022 The following inquiries are unauthorized : Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Creditor : XXXX XXXX XXXX The following inquiries are unauthorized : Creditor : JXXXX XXXX XXXX Inquiry Date : XX/XX/2022 Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Creditor : XXXX  XXXX Inquiry Date : XX/XX/2022 Creditor : XXXX XXXX XXXXE Inquiry Date : XX/XX/2022 Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Creditor : XXXX XXXX DEALERS Inquiry Date : XX/XX/2022 Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 2022
Product: Debt collection

On XX/XX/XXXX I had two collections accounts report on my credit for the same debt that I settled with the original creditor. On XX/XX/XXXX I requested proper validation of the debt including " What is the money you say I owe you for. Explain and show me how you calculated what you say I owe. Provide me with copies of any documents that show I agreed to pay. Provide any verification or copy of any judgment if applicable. 
Identify the original creditor. Prove the Statute of Limitations has not expired on this account. Show me that you are licensed to collect in my state and provide me with your license number and registered Agent ''. Upon receiving this letter Portfolio only partially validated my debt as you will see in the documents provided. On XX/XX/XXXX I sent a second letter once again requesting proper validation only to be provided with the same documents sent the first time. I do not owe this debt and do not know where it originated. Not only that it is reporting on to my credit as two separate debts with separate account numbers.
Product: Checking or savings account

I deposited a cashier 's check and Bank of America has illegally placed a week long hold on my money. This is abusive and has happened repeatedly. They should be fined and investigated for their criminal behavior.
Product: Debt collection

I received a letter in the mail informing me of the debt collection from Key 2 Recovery for a little over {$7000.00}. After speaking with them initially, I told them that I could only pay a small amount due to only being part time. I also asked them on the initial call that I did not want them calling my job, since we are not allowed to take personal calls. 

The second time I spoke with someone, they were very rude and not understanding of my current financial situation. The woman I spoke with then asked for my work information ( name, phone number, etc ) and I refused to disclose that information and again told them that I did not want them calling my job. 

On XX/XX/2021 at XXXX, they called my job. I answered the phone and told them that I have told them twice to not call my job. I then went and called the company again from my personal phone and spoke with someone who then said that it just now said to not call while I was at work and the number was removed.
Product: Student loan

On or about XX/XX/XXXX, XXXX XXXX ( daugter of my associate ) asked if I would co-sign a student loan so she could continue with her education. I told her I would but I wanted to see the loan terms before agreeing. I gave her my personal info. so that she could fill out an application. I never saw the loan application nor the loan terms. I never signed any documents relating to the loan. I never heard anything about the loan again until XX/XX/XXXX. XXXX indicated my credit may be impacted because she was unable to make the loan payment. I never received anything from XXXX XXXX regarding this loan. I asked XXXX to give me the information regarding this loan, the account number, ect. She never provided me the information. I did my own research, and, sure enough, I was listed as the cosigner ons this loan I made the payment as did not want my credit impacted. I asked Sallie Mae to immediately send me the loan doc. They faxed them to me. I had never seen these documents before. I did not place my signature on the loan application nor did I sign these documents. I went to the police, filed a report and then filed a complaint for fraud with Sallie Mae. I requested Sallie Mae to run the IP address as they would find that my computer nor my location where any computer I owned would not be associated with the signing of the loan application or loan. They have refused to take me off as the cosigner. I have made numerous attempts to contact XXXX XXXX. She has blocked my number as well as blocked me from XXXX The amount originally on this loan was {$28000.00}. This loan was done by electronic signature. Interestingly, both signatures ( hers and allegedly mine ) occurred on the same day, same script. The loan was signed on a Sunday. The only computer I have today as well as at the time was a computer located at my office in XXXX XXXX. I have a law firm and do not work on Sundays. The signature on the loan was never placed by me or with my authority. This case is easily resolved by running an IP address, which, it is my belief, Sallie Mae never even bothered to do.
Product: Checking or savings account

I switched to Ally bank because I loved the thought of controlling my debit cards, being able to turn them on and off. So I went through the process to open an account then funded the account. Just XXXX $ to start the bank account. This was on XX/XX/XXXX. On XX/XX/XXXX my direct deposit was deposited. Which I transferred to ally bank same day as being eligible to open the account. I call to set up my XXXX  on XX/XX/XXXX and I start getting asked a bunch of security questions. Which I answered them all correctly. The lady specialist then informed me that since I had logged into my bank account on my wifes phone ( which is in my name through the provider ) that this was enough reason to close my account because I had used my log in info on another device besides the one I registered the account with. I then proceeded to ask why and what the issue was and she just kept getting rude and more rude. I asked if I would be able to withdraw or transfer my direct deposit of {$1600.00} that was just posted to the account and the specialist then stated that they will not release any of my funds and I may receive a check at a minimum of 5 weeks of my funds. I have no issue closing the account and just using my previous bank, but for them to basically steal my money is beyond in humane. I have Bill 's that I can not pay now that will be late and cost me even more in charges, not to mention trying to provide for my family and feed them since I am a salary employee and get paid only two times a month. This seems extremely illegal. I should of been given an opportunity to make arrangements to withdraw or transfer my money, or at the very least ally bank send my direct deposit back to my employer, which I also asked them to do and they refused. I live by XXXX XXXX book, so I do not own credit cards to help me make it until I get paid again. Ally bank has literally taken food off my family 's table and made it almost impossible to survive until I get paid again on XX/XX/XXXX. I'm sure you have a million complaints and others you're trying to help, I just ask that someone reaches out and gets ally bank to release my direct deposit or send it back to my employer. No one should ever go through this when they open a bank account and ensure the trust of their wellbeing in a company, just to get blindsided and basically robbed. Thank you for your time and hopefully your help.
Product: Mortgage

Right Star Mortgage has not paid my homeowners / hazard insurance. The money is in the escrow account, I keep getting notices from XXXX, and have received a notice from Right Star Mortgage that they are going to force me to buy their mortgage because I don't have homeowners insurance. In addition, I attempted to apply for COVID-19 under the Cares Act ... I was forced to explain why on a web site, thereby documenting which I believe is a violation of the Act, furthermore I was directed to what I believe is their own solution and not the Cares Act solution ... when I was very explicitly stated the Cares Act ; the 've told me I have a 90 day extension but no discussion on how to manage the balance moving forward. I believe they are taking advantage of their customers during the pandemic.