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

these accounts listed in this complaint do not belong to me someone use my information to open fraudulent accounts with out my consent or knowledge someone use my photo id and social security number I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAs. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Checking or savings account

We requested an account administrator change on XX/XX/XXXX by phone and email to XXXX XXXX XXXX at Wells Fargo branch at XXXX XXXX XXXX, email : XXXX. The authorized signature in XXXX XXXX, XXXX Wells Fargo account should be changed to XXXX XXXX XXXX XXXX XXXX, I sent all the legal documents for Wells Fargo to review. Legal did not read them and unknowingly answered our request. They requested documents that were indeed attached to the email and spoke about widowed spouse rights when the deceased administrator had never wed nor had offspring as stated in the legal documents provided. I have evidence of this communication and can provide it at request. XXXX XXXX suggested that we come to a Wells Fargo Branch which we did on XX/XX/XXXX, we met with XXXX XXXX at XXXX XXXX XXXX XXXX branch. Our residences are in XXXX XXXX, so we must travel to XXXX USA any time we need to visit Wells Fargo. On that day we presented the legal package with the original stamp document in English and XXXX. Also, send these to XXXX XXXX email. We spent all afternoon with XXXX XXXX trying to get legal attention. Legal replied that they would have an answer within 24-72 hours. We waited and received no communication from Wells Fargo. On XX/XX/XXXX, ( 21 days later ) I sent a follow-up email to XXXX XXXX, he informed me legal had not answered, even thou they had said that they would within 24-48 hours. On XX/XX/XXXX, we revisited XXXX XXXX at XXXX XXXX XXXX branch. Again, we spent all afternoon with XXXX XXXX trying to help us and getting nothing from legal. Again, legal said they would have an answer within 24-48 hours. No communication was received. On XX/XX/XXXX, we received a letter from Wells Fargo, stating that they had granted authorization to take control of the account. We traveled from XXXX to meet XXXX XXXX again at XXXX XXXX on XX/XX/XXXX. When we met with XXXX XXXX, he informed us that the letter was a mistake and that Wells Fargo was asking for a Court order. To this we presented a document from the Supreme Court of XXXX recognizing the Trust. Legal did not reject or accept this document and gave no further information as to what they were asking for. This is the only document we can provide ; it is a Supreme Court certification. I asked if the court order was from the Florida CourXXXX or the XXXX XXXX Court jurisdiction. They did not answer. We asked to speak with legal directly, they informed us that all needs to be addressed through the branch. The branch calls a call center, and the call center communicates to legal. Wells Fargo has failed to work with us to resolve this issue. Its been over a year and now Wells Fargo has placed the account in dormant and sent us a letter saying that once the account is dormant, Wells Fargo must transfer the account funds to the state in a process called escheatment. 

XXXX XXXX, XXXX belongs to a Trust activated upon XXXX XXXXXXXX XXXX XXXX, administrator for XXXX XXXX, XXXX death. The Trust places me ( XXXX XXXX ) and XXXX XXXX as administrators of the Trust and all its LLCs. We also own 51 % of its shares.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Accounts XXXX XXXXXXXX Balance : {$6500.00} XXXX XXXX XXXX XXXX : {$460.00}
Product: Money transfer, virtual currency, or money service

Coinbase is featuring a contest that claims no purchase is necessary but that each purchase after opting in will receive a notice of an additional entry up to 10 with an end date of XX/XX/year>. I never received any such notification, but I am being told to wait until after the XXXX, by which time it will be too late to rectify anything. Their support staff are arrogant and unprofessional, and I have had to waste hours repeating the same thing to multiple ignorant people and deal with e-mail support giving answers to Coinbase Wallet instead of the complaint that was sent to them. Furthermore, I received a notice that a complaint filed on my behalf about an unspecified matter will be addressed within 45 business days!
Product: Payday loan

First Cash Call never ever thoroughly explained my interest rate nor explained to me how long it would take for me to pay it back. I fully remember when I took the XXXX loan, the rep told me it would be XXXX a mth and for me to do the math and figure out how long it would take. I took it out in XXXX, have paid it every month on time and today I noticed I still owe XXXX. I asked them how is this possible, and they responded with I should have read the contract with XXXX of their reps. I was deceived and taken advantage of by that first phone call with them. I asked questions but they have lied since that day one call I placed to them. Secondly, I asked they take the $ money out on the XXXX, but no, since XXXX they 've been taking the money out on the XXXX. I called and spoke to them on XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX, and today, all for the same reasons to please do not take money out til the XXXX and they have ignored my every request. Today I called my bank to put a stop payment on these jerks, and if I do decide to pay them back I will on my own terms, but having been lied to, deceived, and taken advantage of, I 'm leaning on never giving them a dime again.
Product: Credit reporting

XX/XX/XXXX XXXX The following account does not belong to me, and this is stopping me from getting a job.
Product: Mortgage

UWM failed to make our XXXX property taxes which has resulted in late fees and accrued interest. We have attempted to resolve this over the phone and have faxed them proof taxes were never paid. Our county said they most likely paid a different parcel and not ours! UWM sent us our payment history showing they paid our property taxes, and they have refused to call our county to confirm that taxes have been paid. One of UWM call center workers mentioned property taxes checks were sent back and were not actually paid. Even then, no follow up work was done. Our new lender, XXXX has recently paid the 2022 property taxes, late fees and accrued interest on XXXX XXXX and is now charging us for them which has resulted in our mortgage payment skyrocketing. We have already paid these taxes through UWM and would like them refunded back to us along with late fees and accrued interest.
Product: Credit card or prepaid card

I have been a customer of Citibank of over 12 years. I have an excellent payment history, and aside from a few occasional instances where I have missed a monthly payment or paid late, I have been consistent in paying my balances off in full. 

My credit limit as of XX/XX/2020, when I made my last payment in the amount of {$9200.00}, was {$15000.00}. On XX/XX/2020, Citi unilaterally lowered my credit limit by {$15000.00} to {$300.00}. I did not receive any correspondence other than a letter placed in my online portal. Because I was not paying attention closely to this other than making payments, I did not catch that because of the change, my credit utilization went from 0.5 % to 35 %. As I continued to spend on my card without realizing the near 100 % drop on my credit limit, my credit utilization hit 100 %. When I missed my XXXX payment, my credit utilization went up to 109 %. 

I tried calling Citi to complain and have them address and received no help. First they told me it was due to a returned payment, but I have not had any returned payments and they could not furnish any proof. They only said it had happened in the past and they did not have access to it. They refused to reexamine my credit limit and refused to contact the credit agencies to clear up the issue that has now damaged my credit score. 

I was then told it was because of a LATE payment, but they refused to identify which payment was tied to the decrease. They would not give any explanation why they would decrease my limit by pretty much 100 %. 

I am done with Citi as a customer, but I need help making sure this will not permanently damage my credit score. I am concerned that since my Citicard is my oldest account, my credit score will be damaged because the average age of my accounts will go down. I also would like to apply for a different credit card, but because of my credit score,  I am locked out of some of the better cards available for at least the next 29 days. Citi has refused to help in any way, they passed me around from person to person with no help and finally just left me to write some obscure department if I want them to address this with credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, In mid XX/XX/2017, my wife and I initiated credit freezes with all three credit agencies. I received a PIN from Equifax to be able to unlock the freeze, my wife did not. In mid XXXX, we both wanted to temporarily lift the freezes for a credit check. My PIN would not work, although the CSR was able to lift the freeze. My waif was unable to lift her freeze without a PIN and so requested a new PIN. This new PIN was never received and so I emailed Equifax via their company portal to get an update on status of the newly requested PIN which never arrived. I haven't received a response. My wife spent 45 minutes today on the phone with Equifax and the issue is still not resolved. This is unacceptable to have our personal information held XXXX by a third party we never gave permission to and have no contractual obligation to. Equifax were unable to keep out personal data safe from hackers and now appear unable to release our credit file to lenders.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX on multiple occasions since XX/XX/XXXX. XXXX and Equifax failed to report an accurate delinquency on my credit report. I am on a verge of losing earnest money on a home, and a home I am currently under contract for. I tried filing a dispute with XXXX, XXXX XXXX, and Equifax. I have been doing everything in my power to get my credit report fixed and up to date with inquiries that are hurting not only my credit but my home, family and career. I have been a student with XXXX XXXX XXXX XXXX, a credited school since XX/XX/XXXX. I have a signed in-school deferment letter signed by an official and have gotten nowhere. I please ask to get these XXXX delinquency reports REMOVED from my credit report please. I have not been late on any payments, I have been a mother, public service employee and a student throughout this period and currently in the process of being a homeowner. I request that this inaccurate report be REMOVED completely since I did not fail to make any paymnents.
Product: Credit card or prepaid card

I sent a letter contesting each of the reasons specified for the credit denial and I got the same exact answers I got on the original denial letter. No further explanations were provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, has violated my rights. 

1

5 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my TransUnion credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted is XXXX XXXX  XXXX XXXX Apt XXXX, XXXX XXXX, GA XXXX. 

I am also showing an incorrect EMPLOYER of XXXX that needs to be deleted. 

Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, XXXX, and TransUnion ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 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 information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

Re : You Violated the United States Code Law 15 U.S.C 1681 ( c ) ( 1 ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by the consumer.

To Whom It May Concern, After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and I'm entitled to monetary compensation under FCRA 15 U.S code 1681s-2 15 U.S.C 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction that is not initiated by a consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer under subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if- ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) The transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by the consumer. Under FCRA 15 U.S Code 16811n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquiries furthermore if you feel like did please send me copies of my written signature giving consent to this matter.

The items below should all be removed from my consumer report under 15 US Code ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I found the scammer in a XXXX group for the medicine I was seeking and contacted them on XX/XX/XXXX via XXXX XXXX. We discussed what exactly I wanted to purchase. The scammer asked for my name, email, phone number, and address. I was told they only accepted XXXX and to send the {$900.00} payment through that. 

After I paid I knew something was wrong when they said they had not received my payment. I used my bank XXXX to send the XXXX payment. I immediately reported it to my bank and opened a dispute. While the dispute was being researched, I received a nondescriptive email that my product would ship within XXXX hour, and I would receive a tracking number. I reached out to the scammer who then asked for {$200.00} to ship my product. I did not send that money. They said they would refund my money and put in a request. To date, I have not received my money back or the product. 

The bank did their research and only gave me back XXXX cents. They said there was nothing more they could do. They said the scammer 's bank is Bank of America. The XXXX name is XXXX and the email is XXXX. My bank obviously knows the account information because of my dispute. I spoke with XXXX of the admins or moderators and their name is XXXX XXXX. We are XXXX. My husband is XXXX XXXX. We can not afford to have this money scammed from us. 

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

Personal histories have been disclosed to third parties without my permission. Personal information have been reported besides the law that prohibits the creditors from reporting personal information by XXXX and JPMCB. 

15 U.S. Code 6802 - obligations with respect to disclosures of personal information. ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through an
y affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sallie Mae sale my Account ( Defaulted ) to Collection Company without time in Repayment option. 
Amount : {$8700.00} XXXX : XXXX in XXXX XX/XX/2019 
Notification transfer, Defaulted sallie mae student Loan sale de account onXX/XX/2019. 
Notification : Sallie Mae no longer service your Student Loan. 
*Report XX/XX/XXXX XXXX ( Negative Impact ). 
Action : I write a Godwill Letter to Sallie Mae.
Product: Debt collection

There was an issue the resulted in a return payment. The creditor conatacted me at XXXX XXXX on XX/XX/2021 ( Before XXXX XXXX XXXX. I informed them that there was a bank error to resulted in the issue and then I would make a payment online on XX/XX/2021 once it was resolved. 
The creditor called multiple times on Tuesday XX/XX/2021, and then repeatley harrased me by calling my over 6 times in one day XXXX XXXX/XXXX/201 XXXX.
Product: Mortgage

I write to ask the CFPB to sanction Nationstar Mortgage which holds the mortgage for a single family house at XXXX XXXX XXXX ; XXXX, GA XXXX. I also seek reimbursement for the cost of a survey and any code violations that I may be required to pay for not having the survey of the property that Nationstar said it had emailed to me. The account number with Nationstar is XXXX. ( NB : this account is for XXXX XXXX XXXX. One of your forced choice answers on this CFPB form distorts this information. ) Please also sanction Nationstar for unfair, deceptive and abusive practices. I was lied to and Nationstar disconnected me and refused to allow me to speak to a supervisor when I asked to a dozen or more times. A little while ago, I telephoned Nationstar Mortgage 3 different times. The first time, I was lied to. The second time, it hung up the phone. The third time, Nationstar put me on hold while it refused to allow me to speak to a supervisor. The first time I spoke to Nationstar, I was told by its representative that she would email me a copy of the property survey it had. However, she lied and did not send it. Instead she sent a copy of an old appraisal with no survey included or attached. The second time I called Nationstar, I asked to speak to a supervisor. The person I spoke to refused to transfer me to a supervisor and talked incessantly without transferring me. Eventually, the call was disconnected by Nationstar. The third time I called Nationstar, I again asked to speak to a supervisor. The representative refused to transfer me to a supervisor and also talked incessantly while refusing to transfer me to a supervisor. I hung up the phone since I called from work and it was clear that Nationstar would not allow me to speak to a supervisor. Among other things, to stall for time, Nationstar kept asking me to repeat why I wanted to speak to a supervisor. Although I answered this question in each of the 2 phone calls in which I asked for a supervisor, they then wanted to chat some more, asked more questions and generally dissembled and refused to transfer me to a supervisor. I need the survey to make timely repairs to the house. It is required to get a building permit. Please make Nationstar email me a copy of the survey as it originally said that it had. Please also sanction it for lying, wasting time, dissembling, causing unnecessary expenses, and not allowing me to speak to a supervisor when I asked repeatedly for one in two different telephone calls to it.