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

m not liable for this debt with XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ), and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ). I do not have a contract with XXXX card, XXXX. XXXX, XXXX, and XXXX. They did not provide me the original contract as requested. There needs to. be a correction to my credit report. I demand that this item be removed immediately. 

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Debt collection

Portfolio recovery is trying to say that I owe them money because they bought credit card debt that isnt mine. The card was opened at XXXX XXXX XXXX XXXX XXXX la XXXX in 2017, I have documentation that I have been living at XXXX XXXX XXXX XXXX XXXX XXXX la XXXX for the last 7 years this debt isnt mine. I called them and tried to resolve the issue nothing happened I also disputed with all of the credit bureaus and havent got a response. They are hurting my credit for no reason
Product: Credit reporting or other personal consumer reports

A TransUnion credit alert informed me that in XX/XX/year> XXXX fraudulent student loans appeared on my report, for {$XXXX} and {$XXXX}, courtesy of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I lodged a dispute through TransUnion and their response says " the disputed information was VERIFIED AS ACCURATE ''. 

Calling the number above, this does not seem like a legitimate number for XXXX. Their website lists the same number as an XXXX, not an XXXX number, i.e., the number is really ( XXXX ) XXXX not ( XXXX ) XXXX. This leads me to wonder if ( XXXX ) XXXX could lead us to whatever scammer took out these fraudulent loans in my name. 

The first time I called ( XXXX ) XXXX I heard : " Press XXXX if you have {$XXXX} of loans. All other callers, press XXXX. '' I pressed XXXX and a different voice said, " Thank you for helping us with our survey, '' and it hung up on me. 

Second try to the same number : A recorded woman 's voice ( that I did not recognize from the first call ) told me some lucky callers get a prize. " If you are over XXXX, press XXXX. Otherwise press XXXX. '' I pressed XXXX, and another woman 's voice asked me if I understand we're being recorded. I said yes. She launched into a long spiel about a free gift, something about a help button you hang around your neck -- something for senior citizens. I tried repeatedly to interrupt her, only to realize she is also a recording. She finally wrapped up her long sales pitch that ended in some perfunctory question like, " Are you ready to receive your prize? '' I said, " No. I need to speak to a human. '' At that point a different voice came on, saying, " This is the medical line. Let me transfer you. '' And then it hung up on me again.
Product: Money transfer, virtual currency, or money service

Ive had multiple issues with Zelle transactions, including failed payments, duplicate payments, and incorrect payments. Despite contacting Zelle and my financial institution, inconsistent responses and unresolved problems persist. I request an investigation to recover lost funds and prevent future occurrences.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is inaccurate - provided valid information that debt and all corresponding data should be deleted as discharge agreement I have no responsibility for that account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. I have the rights 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

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : 1861 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: Debt collection

Multiple calls after asked to stop calling, called from many different numbers in an attempt to hide the origin, failure to identify when asked, calling outside of legal hours in some instances ( i.e. XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

The recent Equifax disaster and the handling of millions of people 's personal information being hacked and available for any person with ill will. Almost every American adult has now become vulnerable to financial ruin due to what is supposed to be a organization representing a pillar of trust failing to handle the personal information of almost every single adult American. What I have a problem with specifically, is the fact that I have no choice but to do business with them. I never signed anything saying any of the bureaus can have all of my personal info, but yet ALL of them have it just because that 's the way it works. And for them to act so nonchalant and not even alert the general public for weeks after the actual hack is absolutely ridiculous. And on top of that, there are reports that days after the hack, there were several Equifax executives that sold off stock because they knew their stock was going to tank. This is the dirtiest way of doing business and even though I know that they will get nothing more than a slap on the wrist from our government, I would love to see them get smacked with something that will actually make them hurt financially or even go under because this entire situation is unacceptable.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I am a XXXX homeowner, upon the state of FL shutting down my business due to the pandemic in my most lucrative months of the year. I accepted the forbearance to lift the burden of my financial struggle to pay my mortgage. Upon completion of my forbearance I went thru an agency for assistance to pay the forbeared amount. My Servicer would not respond to the correspondence sent by the agency to obtain payment information as confirmation of my default status with my written permission attached. The agency reached out via fax, email, and mail from XX/XX/XXXX XX/XX/XXXX as a result due to no response of the servicer receipt of payment info the agency cancelled my approval and gave to another in need due to the high demand of many in my same situation. This assistance would have help yet the servicer refusal and lack of response has me in a bigger financial struggle. When I call no one can tell me anything I have been asking for my investor for over a week and the agent could not answer or knew. This is uncomfortable to say the least and the servicer is making it difficult to receive the help that is needed to resolve my hardship now that I am back to work. Until the economy is back in full operation my business will and has suffered however my kids and I should not suffer due to the lack of this servicer. I am and have been financially impacted by COVID and the servicer is giving me the runaround. No help at all just causing more unnecessary stress
Product: Checking or savings account

I have fraud protection with bank of America. I had two things they wrongfully denied. I had {$200.00} counterfeit merchandise I received from XXXX in XX/XX/XXXX and they refused to cover it and wanted me to send back the items even though it is a federal offense to mail counterfeit items through the mail. I then attempted to get return labels through the seller and was refused thand told to go through the bank since I filed a dispute. They still refused to cover it. 

I also had someone get a travel account with my debit card and email address and booked a room in FL. My card was fraudently charged {$180.00} and they also refused to cover that. This was in XX/XX/XXXX. 

After they took the charges back out of my account, i had numerous overdraft fees. This all caused my car ins to be cancelled. It 's caused me a mess and only from trying to protect my funds I work hard for. I lost almost 400 plus all the overdraft fees since I had to stop using my account. I do n't want this on my credit and I need the fraudulent charges put back in my account and all of the overdraft fees. I have also filed a complaint with fdic, ftd, and bbb. I need some help because they are refusing to help me.
Product: Mortgage

buy my house from XXXX  but lose my job so i ending up falling behind on my payment apply to the company for help so they offer to help me by doing a home modification, the amount that owe on my house is {$140000.00} so i fall behind by about {$8000.00} so they require me to make XXXX straight witch i did i ask them to put the {$8000.00} to the back of the loan so they did and then add {$100000.00} more to my mortgage and call it a balloon loan and said i cant 's pay nothing toward the new {>= $1,000,000} that they otters the end of the loan term when i pay it all i of to pay the full {$100000.00} all at once if not i will lose my house and i of to sign and return this agreement before the XXXX of this if the house will in foreclosure, no explain what the {$100000.00} is for please help i put everything i work for in this house, thank you
Product: Mortgage

XX/XX/2012, my husband was getting ready to retire. We submitted papers to XXXX Bank America, to proceed with a refinance to lower our interest rate. Rates were coming down and this was an opportunity for us. We proceeded with home appraisal etc. The bank lost our paperwork and delayed our application. In XX/XX/XXXX when I finally pressed, I learned that we came in with a good appraisal and could go ahead, they were sorry they lost the paperwork. When they put things back in place, they were sorry, we could not qualify because my husband was retiring and our planned income would be that much less. Had they processed properly in XX/XX/XXXX - we would have cleared that hurdle. It has been XXXX years since and we continue to pay a larger interest XXXX when we could have qualified for a XXXX (at that time). (Also at that time, there was a glitch with XXXX having incorrect data, which we did follow up on and straightened out). That would have saved us more than $XXXX. month. We have tried to refinance at a lower interest rate XXXX times since and Bank AmericaXXXX and now XXXX Bank have denied us. We cannot qualify to pay less, yet we continue to pay our mortgage, our taxes and have an excellent credit rating maintained over more than XXXX years at XXXX. How is it that we cannot qualify TO PAY LESS?
Product: Credit reporting or other personal consumer reports

, I was identified as having a massive identity theft issue against my accounts. There were cards that were opened in my name and never paid off. I went through the t process of having my credit reports locked and the subsequent companies that the feed into the credit reporting company CoreLogic. I was told that they have directed that I have opt out be placed on my information. But I believe that this has not been done. Please ensure that this has been done.
Product: Money transfer, virtual currency, or money service

Hi iv deposited a considerable amount of money into my coinbase account and have been locked out of my account since with no access to my funds. I have contacted customer service several times by phone and email. They say someone will be in touch but have had no reply yet. I have tried all the steps on their website and colleagues nothing seems to work. I spoke to an advisor on the phone and asked to speak to a manager and was told no one was available and when asked for the managers name I was told I cant be given it. I am begging for assistance- cant sleep at the moment my case number is # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are unauthorized and need to be removed from my credit report immediately.
Product: Credit card

On XXXX XXXX I thought I called XXXX XXXX to ask why they changed our seats, my husband and me, to fly home. First I stayed to long waiting on line so I tried later by calling a number I found on my cell phone. When I told my questions that non XXXX XXXX which I did not know then ) they pretended that it was because I had not paid taxes and/or fees on our tickets and they could not promise to keep our seats. I. argued a lot but wanting to be sure to fly back home I paid the {$200.00} they wanted, thinking I would fix that problem with the airline when home. But that fraudulent company send me sighing to sign in a text, so naively I did. When I called XXXX XXXX back at home, they told me that I never had to pay them anything and it was not their number. So I called CITI to close my card and explain the reason. The CITI agent did not write it the way I told her, just that I did not authorized the charge. After waiting for an answer many weeks, I was told thay I would be contactetoexplain my case, they did not do it.I called again, asking for the frauddepartment, and amantook my story again. Still they charged me the {$200.00} and saying it was because I changed my story. I did not, ghe first agent just reported it wrong. It is very easy to verify if Citi was doing their job.The fraudulent company sent a email saying that they did the changes I wanted, but their names as a car rental in XXXX XXXX, where I never went and rented a car. I asked CITI t show to them a rental agreement, or what the to verifyt he fees sent to XXXX XXXX, or why the phone number on that email is not theirs, or why they also memtion XXXX registration as a false heading. The fraudulent company triedtw
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My name is XXXX XXXX my XXXX is XX/XX/XXXX & my account number is XXXX & I'm writing this complaint because I feel as if my last complaint was not resolved & brushed off because it was " worked on before ''. I frequently have to write reports to CFPB regarding Wells Fargo. I have a late payment on my credit report from XX/XX/XXXX. I already wrote in a complaint about this specific topic & I am asking if it can be removed from my credit report. I have been told its not possible but it was done once before a few months ago. During the time of XXXX, I was going through a long & exhausting process with Wells Fargo regarding unauthorized charges. As the unauthorized charges seemed to be resolved I believe that there may have been a mix up in my legitimate payment being marked as late. I have always been on time with payments & I seem to have a problem with Wells Fargo frequently for the past year now. I've been a very loyal customer for almost 4 years & despite all the troubles I have had with Wells Fargo I still stayed a loyal customer. Last case I wrote, I was told Wells Fargo can not delete something off a credit report but when this happened once before due to a mistake, they took it off no problem but then added it back a month later. Again, I am always on time with payment. I don't believe I ever had to write in this many complaints about & to one specific company. I am asking for a payment forgiveness for the apparent late payment & have it taken off my credit report. I truly appreciate it & am open to answering any questions. Again, I am simply asking for the late payment to please be removed from my credit report as I the customer don't believe I am at fault. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine. I did not file for student loans and bankruptcy as opposed to what is stated in my credit report.
Product: Mortgage

I had to re-sign e-docs several times because of not adding taxes in ( which is an understandable & fixable mistake ), then to resign because of closer computer issues. Then it was confusing if I needed to resign again after rescheduling hard copy Notary visit to home for signature to Title Company. 
Then, meanwhile ... .I was approved for 100 % XXXX to get my Property Taxes waived and no one ( Loan Processor, Originator & Closer ) couldn't tell me where to send my Verification Letter from VA. The Loan ProcessoXXXX vaguely pointed me back to the direction of Lakeview Loan Servicing Company. So, I tried several times for many days to try to find the correct email to send VA letter. I couldn't get in touch with Lakeview Loan Company so after about 2 weeks I finally figured out on my own through several phone calls and looking through hard copy of the Notary visit the Servicing Company and after being transferred a couple of times, I found the lady that could put me on hold & take the time out of her day to help her customer with a very legitimate inquiry. Come to find out that I needed to send the verification letter to none other than the Loan Processor, Closer or Originator ... go figure?
Product: Debt collection

XXXX is reporting on my XXXX as multiple accounts when all these accounts was discharged in bankruptcy. I want them to remove these. I have called them on multiple accounts to only get they ca n't do anything about it
Product: Credit reporting or other personal consumer reports

I DO NOT RECONGNIZE THE ADDRESS PLEASE REMOVE THANK YOU
Product: Mortgage

My mortgage rated was fixed for ten years, then went to a variable rate. The last fixed rate payment was due and paid XX/XX/2016. The loan was originally through XXXX, but after many changes is now with SLS Servicing. When SLS changed my rate, effective XX/XX/2016 they dropped it two points, from 6.625 % to 4.625 %. They told me the new rate, per my contract, is the LIBOR ( then 1.55011 % ) plus the index ( then 2.75 % ) for a rate of 4.30011 %. So I asked why I was getting a new rate of 4.625 %, which is obviously more than the formula they gave me. They said the rate, per my contract, ca n't change more the 2 % per year, and sent me a copy. But this is what the original contract says : on page XXXX, section XXXX, section ( D ) Limits on Interest Rate Changes : [ The interest rate I am required to pay at the first Change Date will not be greater then 11.625 % or less than 2.750 %. Thereafter, my adjustable interest rate will never be increased or decreased on any single Change Date by more then 2.000 percentage points from the rate of interest I have been paying for the preceding 12 months. My interest rate will never be greater than 11.625 % ] To me this clearly says that when we first go from fixed to variable at the end of ten years the new rate can be anywhere from 11.625 % down to 2.750 %. That 's why those figures are mentioned specifically. After that ( hence the word 'thereafter ' ) the rate will change yearly, but not more than 2 %. I have since written to them four times and called three times ( it is often impossible to get through on the phone ), but they insist that my rate ca n't change more than 2 %. I 've asked why the range of 11.625 % to 2.750 % is spelled out for the initial change then, and what the 'thereafter ' means, but they just insist they are right and I am wrong. Today on the phone they literally said they just wo n't change it, regardless of what my contract says.