23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I had two atm withdrawals that I did not make. i immediately reported the transactions to chime banking telling them that it was fraudulent and was not me. They closed my debit card and said they could not do anything about the transactions until they processed because they were still processing on my account. There was one transaction for {$400.00} plus a {$2.00} ATM fee at XXXX XXXX on XX/XX/2021 and then another {$400.00} withdrawal plus a {$2.00} ATM fee at XXXX XXXX on XX/XX/2021. I informed them that this was not me making these transactions and I still have my card on me and my phone and have not given my information out to anyone. They said they couldnt do anything until the transactions were processed once they were processed I called them back and again told them that these were not my transactions and that that money had been stolen. They said they were going to investigate it I never heard from anyone and then it said on the app that the investigation was closed and my claim was denied. So I again called them and told them that this was incorrect and they needed to re-investigate or do something because these withdraws were not mine I did not receive the funds. They said they were going to open the case again I have not heard anything from them besides that they say I have used this ATM in the past and therefore they do not believe that they are responsible for the withdrawals. I have since contacted the institution where atm that the withdrawls were taken out it is XXXX XXXX XXXX in XXXX  XXXX WA
Product: Mortgage

On XX/XX/2021 my mom passed away. I was the trustee on the account for the mortgage and the estate of my stepfather to take care of my brother. The loan was automatically debited from our bank account each month XXXX 's payment was missed due to financial hardship as my mom passed away XXXX came and I made a payment XXXX came and I made another payment XXXX came and I made XXXX payments then I got a letter from loancare stating that we were taking off of automatic XXXX and that we were alone I tried to communicate with him sending him all the papers that they requested I also tried to make payments for what they said the defaulted and they denied them. I was in communication with I was also in communication with loancare on numerous occasions asking exactly what they needed to be able to bring current I don't understand why we were denied as we were the only living children they also said that they had made my brother the executor of the estate and I just received a letter stating that that was a mistake in their revoking it now and it's 2 years later. Every time I speak to an agent from their office they give me different documents that they need that I've already sent I've sent all documents over six times for them to say that they can't read them they're blurry to I needed one more name change document to each time it's something different so I feel like I've gotten the run around and they're forcing us out of our home and my mom passed away during covid and my brother is XXXX and I am his XXXX. I went to the title company who has named my mom on the title for the loan company doesn't show her anywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX XXXX. ( account number XXXX ) I paid it on time and paid it out this month. I also was cosigned on another XXXX account that was charged off. ( account number XXXX ). XXXX has mistakenly placed the " charged off status on the current account ( ending in XXXX ) that was from the latter account ( ending in XXXX ). 

To prove this I have provided a copy of my credit file from XX/XX/XXXX where I circled the 30/60/90 days late indicator showing " zero '' in all of those fields ... .and that reported to the credit bureaus on XX/XX/XXXX. 

I then provided a copy of the files from TWO MONTHS LATER that now showed " 25 times 90 days late '' and was reported in XX/XX/XXXX. Now this account could not have gone 25 times 90 days late IN JUST TWO MONTHS. 

This is a clear violation of my rights under the Fair Credit Reporting Act.
Product: Credit reporting

Transunion is reporting a bankruptcy on my credit file that is not mine. I have never filed bankruptcy. I am also showing accounts in bankruptcy that do not belong to me on my Transunion credit file. Either someone has the same name as mine or they incorrectly inserted bankruptcy information on my credit file. Please help me in getting these items remove from my credit file.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XX/XX/XXXX XXXX {$13000.00} XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX {$2300.00} XX/XX/XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XX/XX/XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$2100.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
NAMES NOT RECOGNIZED XXXX, XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX INQUIRIES NOT RECOGNIZED XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX {$13000.00} XX/XX/XXXX XX/XX/XXXXXXXX {$2300.00} XX/XX/XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXXXX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$2100.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX  Credit Cards XX/XX/XXXX TransUnion XXXX XXXX  XXXX  XXXX  XX/XX/XXXX TransUnion XXXX Personal Loan Companies XX/XX/XXXX TransUnion XXXX  XXXX Mortgage Companies XXXX Credit Union XX/XX/XXXX TransUnion XXXX XXXX Credit Bureaus/Mortgage Processing XX/XX/XXXX TransUnion Hello XXXX I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Money transfer, virtual currency, or money service

My account of zelle theres transfer that i send to the wrong person but they never give me a solution to give me my money back not happening ones or twice multiple times 1 time was for {$500.00} 2 time was for {$1500.00} XXXX time was for {$1000.00} And no solution what so ever.
Product: Money transfer, virtual currency, or money service

1. On XX/XX/year> I wired {$1900.00} to WISE INC from my account in XXXX XXXX XXXX to WISE INC account no XXXX in XXXX XXXXXXXX XXXX XXXX XXXX : XXXX. The {$1900.00} immediately withdrawn from my bank account, but WISE INC did not confirm receiving the money and refuse to return it back to me. 3 times I provided them with my bank account info in order to get my money back but nothing happened.
Product: Credit card

I applied for a USAA credit card on XX/XX/2023 and was denied. Regardless of the reason for being denied. I have the RIGHT to credit. Withholding my access to my XXXX XXXX XXXX fraud. USAA is violating The Equal Credit Opportunity Act and Consumer credit Protection Act. 
Since You are denying me access to MY credit, please retract my application. 

Thank you, XXXX, XXXX XXXX XXXX for XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  # XXXX XXXX, XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately please this is hurting my credit. Im in the process of purchasing a home. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Inaccurate/not verified XXXX XXXX XXXX Inaccurate XXXX XXXX XXXX Inaccurate XXXX  XXXX XXXX XXXX Inaccurate XXXX  XXXX XXXX Inaccurate
Product: Debt collection

XXXX tried to collect my medical bill without my creditor 's approval, XXXX XXXX XXXX. Apparently XXXX debited my checking account for the amount of {$1300.00} without my approval. As it turns out, I paid the medical bill a few days later with a check to XXXX XXXX XXXX, without realizing XXXX debit against my checking account. In my opinion, this transaction was a totally a fraud. I complained this to my bank. My bank credited the amount within two weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

My step mom by the name of XXXX XXXX used my personal information to get things in her name!
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2020, I purchased a car and financed it through XXXX XXXX XXXX. 
Several months prior to this, I had filled out a Pre-Qualification application on the website advertising a different car that I elected to not pursue. 
Several months later I was pursuing purchasing a piece of real estate and was advised that my credit report contained multiple bank credit inquiries between XXXX and XXXX of 2020. 
Upon reviewing my credit report, I discovered multiple unauthorized credit inquiries on my credit report that were not initiated by me and from multiple banks that I had not applied for credit with. These inquiries are from multiple banks including specifically XXXX XXXX XXXX XXXX ( multiple ), XXXX XXXX ( multiple ), XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX, and others that were not authorized or initiated by me. 
It appears that someone or multiple persons have attempted to use my name, my credit, my pre-qual application, or other acquired information got the purpose of obtaining credit. 
I am requesting that the various credit bureaus remove these multiple unsolicited and unauthorized credit inquiries.
Product: Debt collection

collection attempts were made by a out of state debt collector who failed to provide verification of debt to me Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) by the following company MEYER & NJUS, P.A ATTORNEYS AT LAW XXXX, MN XXXX validation request sent via USPS certified XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/2015 after failing to prove the debt they transferred the account to there sister company XXXX XXXX, MI XXXX FOR FURTHER HARASSMENT OF LEGAL ACTION TRYING TO FORCE ME TO PAY THERE FIRM TO WHICH I DO NOT OWE ANY OF THE ABOVE FIRMS I HAVE NEVER ENTERED INTO CONTRACT WITH.
Product: Debt collection

On XX/XX/2019 I appeared in court in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ. XXXX Case # XXXX. 
I told the Judge I was denied my right to verify if Midland Funding LLC has a license to do business in the state of Arizona or even if the license is up to date or anything else. The judge stated it had nothing to do with the case. I sent Midland Funding LLC a verification letter via their attorney which I got from the Fair Debt Collection Practices Act, I knew if I sent the letter from them, the questions wouldn't be petty & would be helpful to me. I received a few answers to some of the questions but not anything that was important like their license # an address where I could check out the license to make sure it was up to date or anything else about Midland Funding LLC. Now Midland Funding LLC has filed a Notice Of Service Of Plaintiff 's Rule 121 Disclosure Statement. The judge has completely ignored the fact that my rights were violated / denied. 
The previous complaint that I filed is # XXXX which explains what first happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed through XXXX XXXX because transunion will not let me dispute anything online. There is an old lease ( XXXX XXXX XXXX ) that is reporting with a balance of {$4800.00}. This balance has been paid in full through the dealer when I returned the car. I did re-lease a new car through them however its showing on my transunion credit report that I still have this amount. I confirmed with the dealership and it has been confirmed the debt is paid in full and there is a zero balance on the XXXX XXXX XXXX. Having this extra debt reporting which is incorrect is affecting my credit score. Its XXXX of debt that I do not owe. This amount is hurting my debt to ratio number.
Product: Mortgage

During the COVID-19 me, my wife lost our jobs so we had a hard time paying. They advised us to go into forbearance so we did in a process trying to find a best career that pays the best money so I became a XXXX XXXX and I created a XXXX business but Wife is now working at a XXXX XXXX and we have a XXXX year old girl I was explaining to the to the bank, citizens bank about a hardship, and how I can pay the mortgage I apply for the loan modification they dragged it out for two years they would not except any payments or partial payments. When I even had the money now the loan is over 30 % of the loan they said I never knew that so they were denied my loan modification. They keep telling me. Oh yeah, were going to help they the lies.
Product: Credit reporting or other personal consumer reports

I have been alerted and it has been confirmed that my consumer report has been affected by the equifax data breach and because of that accounts have been created against my will. I am submitting document for the expungement of the information disclosed below. 

XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. I am making this request pursuant to the FCRA guidelines ( 605b 15 usc 1681c 2 ) that you have 4 days to block the listed fraudulent items from my report upon receipt of this submission. This fraudulent activity consists of credit card account XXXX  acct number XXXX opened XX/XX/XXXX reporting twice, fraudulent credit card account XXXX acct number XXXX opened XX/XX/XXXX, fraudulent credit card account XXXX acct number XXXX opened XX/XX/XXXX, fraudulent credit card account XXXX XXXX  acct number XXXX opened XX/XX/XXXX, fraudulent credit card account XXXX XXXX  acct number XXXX opened XX/XX/XXXX, fraudulent auto loan account XXXX XXXXI acct number XXXX opened XX/XX/XXXX, These accounts have resulted in the damage of my FICO credibility to obtain credit. This IS NOT a request for verification. I request for the immediate block and expungement under guidelines ( 605b 15 usc 1681c 2 ) upon this notification and that receipt of this demand be sent to my personal email XXXX Due to the constant malicious breach of my personal identity, i will be using the government agencies CFPB and the FTC affidavits attached as verification of identity because a copy of my drivers license was part of the data breach. I do not wish to have comments and or fraud alerts added to my account as they discourage creditors from extending credit
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fifth 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 XXXX 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: Mortgage

Ocwen Loan Servicing is using abusive unfair and deceptive loan servicing tactics in connection with my foreclosure process. Ocwen provided me an approved modification based on personal and financial information I DID NOT PROVIDE TO THEM. 
I declined the modification on XX/XX/XXXX and on XX/XX/XXXX, Ocwen made a motion for renewed summary judgement against because I did not accept the bogus modification. See attached. This is the fourth time Ocwen has done this. 
Ocwen is using the loan modification process to cause me great harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put an fraud alert on all  XXXX  credit reporting agencies because I did n't authorize any of the following inquiries. I sent letters to the credit agencies and also the company in which inquiries where pulled from and they still remain on my credit report.             XXXX   :  XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  (  XXXX  )  XXXX  Inquiry Type : Individual Requested On :  XXXX / XXXX / XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  (  XXXX  )  XXXX  Inquiry Type : Individual Requested On :  XXXX / XXXX / XXXX    XXXX    XXXX  BANK  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  (  XXXX  )  XXXX  Inquiry Type : Individual Requested On :  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX ,   XXXX    XXXX  (  XXXX  )  XXXX  Inquiry Type : Individual Requested On :  XXXX / XXXX / XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous disputes but the company never replies to me nor remove these itsms
Product: Credit reporting, credit repair services, or other personal consumer reports

3 years ago I had a charge off on my XXXX XXXX have been building my credit score up since then-As of Last Month my score was XXXX weeks ago I inquired about the XXXX charge off and the next thing I know I get an alert that my credit score decreased, It went from XXXX to XXXX because XXXX put a new report of charge off in the last week-I spent over 6 hours trying to talk to XXXX and was transferred and disconnected numerous times-I talked to supervisors, over 10-15 agents and even their Deceased department -- I can not get through to them to get this mistake fixed-They even had me down as dead.Now my report has dropped so far because of them I am XXXX.I 'm XXXX XXXX XXXX and this is a death sentence to me... I can't get XXXX or XXXX to do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

i Had Credit freeze on my reports. Violation of a credit freeze by XXXX. illegally changing of date from on time to 60dsay and 90days late late on my capital one account XX/XX/XXXX thru XX/XX/XXXX 3 Months And also XXXX XXXX  theres 4 months in XXXX all 90 days late are incorrect too. these accounts are not open. i had just received my reports today XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection on this XXXX XXXX XXXX   XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Debt collection

I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor.

I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED.

THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR.

PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR
Product: Debt collection

The number ( XXXX ) XXXX calls about 10 times per day. Does not leave a message and calls before XXXX and after XXXX. After further investigation it looks like LTD Financial Services is the owner of this number.
Product: Credit reporting, credit repair services, or other personal consumer reports

identity theft. some person has opened accounts in my name. credit cards, lease, car loan. i need these removed asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't understand why once again XXXX Nationstar Mr. Cooper ADDED the following comment BACK under my VA mortgage loan with regards to a Natural Disaster that has not happened to my residence nor area. This is once again being submitted as well to my insurance company and FEMA. 

I do not understand why additional false reporting is being done by XXXX Nationstar Mr. Cooper after each complaint I file to the CFPB. There is a serious issue and pattern of misconduct going on and I need answers. I need this ONCE AGAIN REMOVED from my credit report. 

Also per last complaint to the CFPB, I need all payments be reported to the credit bureaus so I can move forward with my personal bank taking over my loan to refinance since this issue seems to never be resolved per XXXX XXXX, refer to XXXX Nationstar Mr. Cooper taped phone conversation. 

Here goes ANOTHER CFPB complaint. 


Sincerely, XXXX XXXX Updated Account Information XXXXNATIONSTAR MORT - Remark Added to Account Remarks are meant to make your report more clear. If you're not sure what this remark means or where it came from, you can contact your creditor or the credit bureau for more information. 
Between XX/XX/2018 and XX/XX/2018 the following remark was added to this account : Affected by natural disaster
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a mortgage release filed by XXXX  XXXX XXXX and it was filed in XXXX of 2022 a mortgage release indicates that the bank has acknowledged that the is no longer any mortgage on the property and has released it by operation of law that is the case here so the bank is potentially selling it as a deed in lieu of foreclosure and there are the value of the home is at XXXX XXXX dollars and the mortgage is about {$300.00} something thousand so it looks here that the mortgage has been satisfied in order to solve the property so account does not reflect that I feel that it should be deleted.
Product: Credit reporting or other personal consumer reports

Experian has failed to fufill its legal obligation under the Fair credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unsolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.