23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 a friend of mines sent me XXXX worth of bitcoin roughly {$510.00} in USD. Ive been using bitcoin features on my cash app for a year with no issues receiving or sending so i told him to send it to my cash app wallet address which is ( XXXX ). It suppose to change after every confirmed deposit. My friend confirmed with me with a picture that he sent it to that exact address and it had 3 confirmations. i have not received my bitcoin at all.
Product: Mortgage

My wife is XXXX and I am XXXX years old ; we are forced to leave our home by XXXX XXXX, XXXX. The finance company that bought the mortgage has refused to refinance our mortgage ; they mislead us and dragged us along since XX/XX/XXXX. We have been requesting them to refinance the mortgage at the current market price since XX/XX/XXXX ; they played us and kept on asking us to provide paperwork package, we have done what they asked for approximately XXXX times and every time they led us to believe that they will refinance if we submit the paperwork. The only response we got from them, every time we submitted, is that the paperwork is not complete. They never said what was missing regardless to our repeated inquiry of what was missing - they never answer that. They asked us to resubmit again and again, but to no benefit. And now we are going to be on the street ( literally on the street ). My wife and I have always been hardworking couple and we are still working till now. Please allow me to emphasize once more, my wife is XXXX and I am XXXX. We both in good health. We bring in sufficient income to be able to keep our home if they give us our right to refinance the mortgage at the current market price. 
So please we need help ASAP - we will be thrown out of our home by XXXX XXXX, XXXX. 
We solicited legal assistance from an attorney, who also saw no reason for the finance company ( the mortgage holder ) not to refinance the loan and keep us in our home, which we lived in since XXXX. 
We urge your help ASAP - Please .. Please .. Please. 
Thank You,
Product: Credit card or prepaid card

Wells Fargo allowed Fraudulent Charges on both my XXXX Credit Card and My Wells Fargo XXXX XXXX XXXX after my wallet was stolen. I reported these charges to Wells Fargo as soon as I learned the Cards were missing after being pickpocketed in a grocery store. Wells Fargo did not investigate the fraud, They temporarily credited my account for one day and then Reversed all of the Fraud Charges back to my account ( s ) When I called Wells Fargo " Claims Assistance Center '' To Discuss the fraud case, I was told that the Investigator had discovered that per " Dispute Notes '' I had previously done business with one of the fraudulent merchants. Which again is not true. This issue wasn't investigated and Wells Fargo is now charging me over {$14000.00} In Fraudulent Charges. I should not be responsible for Fraudulent charges when I reported this promptly and Wells Fargo Terms and Conditions state they have a ZERO LIABILITY GUARANTEE. However as you can see from the screenshots of my online banking. There were " Several Bank Adjustments '' That were not charges not credits mind you. The Lady in the Claims Assistance Center didn't care to hear what I had to say and told me they will escalate my complaint to the " Executive Office '' Which again never heard anything back. I do not have an XXXX Account The Merchant is fraud, Nor Do I do business with a " XXXX XXXX '' Or XXXX Eats. All of these merchants are fraud and I don't even have credentials to login to any of these because they were never my accounts. How can you charge someone fraudulent debt and expect them to pay fraudulent charges when it goes against your own policies and it wasn't investigated either. I already told Wells Fargo I do not do business with these merchants and have not. Additionally one of the charges for a " XXXX XXXX '' they sent a receipt that has no signature on it. Doesn't look like my writing on the tip either. So again, Fraudster used it " Yet wells fargo verified the charges '' Again. I do not believe I should be responsible for fraudulent charges that I promptly reported. These Charges are causing the credit lines to be over for both cards and it's because of the uber charges, the favor charges, and the stub hub charges all which took place online that were not authorized.
Product: Debt collection

On XX/XX/2023, I sent a request to validate an alleged debt that I discovered on my credit report because I was looking purchase a home. I requested documentation for my record also advised them if they satisfied my request that I would have no issues with satisfying the alleged debt. 

I also said if they did not respond within 30 days that they were admitting to several violations. It has now been more than 30 days and because I wanted to remain honorable I am sending them an official notice of fault, just in case it was lost in the mail or they forgot to respond. 

There is also an invoice that I sent regarding the violations that would be in-acted after 30 days of no response. I will have all documents attached with this filing.
Product: Mortgage

Company : LoanCare Primary problem : the mortgage company failed to timely pay my property taxes ; I still do no know whether they have been paid ; the company has been unresponsive to my email and XXXX phone calls regarding the issue. 
Secondary problem : the company has incorrectly calculated my escrow amount ( by over {$300.00} per month ) ; again, the company has been unresponsive to my multiple inquiries on the issue ; based on a conversation I had with XXXX company representative, it appears the issue is a result of the company 's failure to calculate it based off the current tax assessment, and instead, the company just " guessed '' what the amount should be ; I need this issue timely addressed, as {$300.00} extra a month ( which is not actually necessary ) is not financially feasible for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Experian requesting that they correct these erroneous accounts being reported on my Credit File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue the Credit Bureaus for their willful non-compliance of the FCRA statute. Only if Experian chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXX Date XXXX Balance : $ XXXX Late Date XX/XX/XXXX, XXXX XXXX XXXX. XXXX XXXX : {$1900.00} Date Opened : XXXX Open Late Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus are ignoring my requests and are taking too long to resolve this matter. I sent Experian two ( 2 ) Certified Letters, in which they receive on XX/XX/2022, requesting their Method of Verification on a previous investigation. Under Section 611 of the FCRA, I requested a Proper Reinvestigation of the Disputed Items, Under Section 609, I requested copies of all documents and correspondence ( including all names and contact information of all employees that the Experian Agent spoke to as part of this investigation ), that was used to verify these inaccurate accounts as being accurate, and Under Section 610, I provided all the proper Identification that is required, in order to get all information Under Section 609. The disputed items are listed in the CFPB Complaint ID XXXX, that was filed on XX/XX/2022. 

I expected a response within 15 days of receipt of these Certified Letters, it has now been over 139 days and these inaccurate accounts are still on my credit report. If you ( Experian ) had investigated properly, rather than use your e-Oscar system, you would have known that these items should have been removed in my initial investigation. I requested that Experian provide this information or DELETE the inaccurate accounts from my file. Experian has not responded to or complied with my requests, and they are now in Direct Violation of Sections 611 and 609 of the CFRA, they are in Violation of 15 USC 1681 s-2, Responsibilities as a Furnisher of Information, and they are in violation of my rights as a Consumer. I Demand that you ( Experian ) immediately DELETE the Inaccurate Items that I submitted for Reinvestigation. See CFPB Complaint ID XXXX. 

If these disputed items remain on my Credit File, or if you continue to ignore my requests, I will contact my Consumer Law Attorney and file a Law Suit against your Company for Violation of my Consumer Rights, the Violations that have already been committed under Sections 611 and 609 of the FCRA, as well as, the Violations under 15 USC 1681 s-2, Responsibilities as a Furnisher of Information ; Willfully and Recklessly reporting false, inaccurate information after being notified of the reporting error and failing to investigate or correct the error.

And under 15 USC 1681 ( n ) ( a ) ( 1 ) Civil Liability for Willful Noncompliance ; Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer, is liable to that consumer in an amount equal to the sum of ; ( 1 ) ( A ) Any actual damages sustained by the consumer as a result of the failure, or damages of not less than {$100.00} and not more than {$1000.00}. I will be seeking {$1000.00} per violation, per occurrence. You have ten ( 10 ) days to comply with my request and Federal Law.
Product: Credit reporting or other personal consumer reports

I checked my credit report and was saddened by the content of the report. There are still some inaccurate accounts showing up on my credit report but I want it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

See the attached documents regarding this inaccurate account that you are reporting on my credit report.
Product: Money transfer, virtual currency, or money service

Paypal claimed to being holding my funds for 180 days even after I submitted the proper paperwork they did not release all of my funds. It was over {$25000.00} they gave me back a little over XXXX back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX should not be reporting each inquiry listed as a separate line item on my credit report for XX/XX/2020. These multiple inquiries in XX/XX/2020 are well within the 45 plus day shopping window that is typically allowed to check different lenders and find the best loans. Each of these inquiries are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score. Please remove these inquiries from my report. The XX/XX/2020 inquiries were run WITHOUT my permission. I NEVER gave permission for any of these inquiries to take place for XX/XX/2020. ( Please see pages attached from my credit report. ) These items need to be removed as well. This false reporting of multiple inquiries is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was young and I didn't know anything about credit. Once I got older I realized that my identity was used which i do not understand how people was able to open any accounts in my name because i was not old enough at the time or aware. I did not know anything about credit. I am just now learning about credit. 

I have 3 closed accounts on my credit report that I did not open : -XXXX XXXX XXXX - 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have one collection that I did not authorize : - XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Submitted a dispute early last year in regards to inaccuracies found on my credit report, I received a letter back from each company saying that the debt was verified and it will remain on my credit report so I sent out a response letter to XXXX, Equifax and XXXX requesting how the debt was verified and requested verfiable documentation from each company in question to verfiy the debt or payment history. Each company could not provide the following items I requested and contract with my wet signature and proof of ownership of the following accounts etc .... 
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 XXXXXXXX XXXX XXXX I also went to founders personally and retrieved my payment history along with original loan documents and none of the information matches up with what is being reported. I did not have a repossession for two months in a row nor was my balance XXXX it was less. the terms are also reported wrong as well.
Product: Debt collection

Im being pursued by Phoenix Financial for {$690.00} Creditor XXXX XXXX XXXX XXXX XXXX XXXX originated in Texas - XXXX after ( XXXX ) years This debt rolled off my credit report XX/XX/XXXX and then XXXX passed-off the debt to Phoenix Financial Service to continue hot pursuit. 
XXXX REMOVED XXXX unfair reporting and deleted them from my credit file because they were entering derogatory remarks TWICE per month? Now XXXX unscrupulous service has passed dead debt on to Phoenix Financial to continue with unfair reporting practices. 
Dear CFPB, Im contacting YOU as their big brother, please drown this alligator once and for all and lay this debt to rest with prejudice. I'd also like to file a formal complaint against XXXX for harassment. 
Sincerely,
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection/Charge Off XXXX  - XXXX - {$17000.00} XXXX - XXXX - {$10000.00} Bankruptcy XXXX  XXXX Bankruptcy - XXXX XXXX  XXXX Bankruptcy - XXXX XXXX  XXXX Bankruptcy - XXXX Personal Information Former : XXXX XXXX Employers : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently learned about the Equifax breach. I am very upset that I did NOT learn about this through Equifax, but rather a few days later through the news. Equifax has not, at the time of this writing, contacted me or my wife. 

Furthermore, Equifax did not make it easy to see if the sensitive personal information of myself or my wife were exposed. While Equifax does have a website ( https : //www.equifaxsecurity2017.com/ ) for this breach, following the instructions there failed to confirm or deny our inclusion in the breach. Instead of appeared to be enrolling me in a program without my consent. It took considerably more time and effort to confirm that our information was exposed. 

When I attempted to use the confirm/deny tool release by Equifax website ( https : //trustedidpremier.com/eligibility/eligibility.html ), I was concerned that the website was actually a scam because it redirected to 'trustedidpremier ' and I had no idea what that company was. Nothing on the preceding page indicated a 3rd party company would be involved. This is not good. 

Once it was confirmed my ( and my wife 's ) information was exposed, credit monitoring was not immediately available. This is a time-sensitive matter. 

The Equifax website failed to note that a free fraud alert could be placed immediately, which would have been useful for those affected to know. 

Equifax is offering free credit monitoring, but they are doing so via a company owned by Equifax. This is not acceptable. 

The terms and conditions of the credit monitoring are overly restrictive. It is my understanding that the New York Attorney General is investigating if these T & C are even valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX inquiry XX/XX/XXXX I have a fraud alert on account but allowed inquiry. 

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

I have inquires on my credit fie on accounts I didn't try to open, I have requested proof and nothing has been sent to me, and these accounts are still showing as a inquiry on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I need this complaint sent to TRANSUNION LLC. It is my Natural Born Lawful Right under Federal Law of the Fair Credit Reporting Act, Pursuant to Title 15 chapter 41. to Assign, Demand, and Direct Any Communication with any individual Company or organization. Compliance and to Act in Good Faith. your Company Must Comply to Federal law. I recently Checked my Credit Profile, and I have found Evidence of Unauthorized Inquires. On my credit Profile that is Currently being reported with out my express written Consent From your Company and the Parties that furnished Data to you. It is your companies duty to carry great responsibilities of furnishers information Pursuant to Title 15 USC Code 1681s-2. it is the furnishers duty to provide accurate and true information on a consumers profile. pursuant to Title 15 USC Code 1681s-2 ( 1 ) ( A ). your company is in Full acknowledgement of errors, and continued to report so I enable identify theft. And damages of {$100000.00} a day Fine for personal information being stolen or used without my express written consent. This is Hereby A Notice of Inaccurate Inquiries ( HARD ) and ( SOFT ) and confirmation of errors. Pursuant to Title 15 USC Code 1681s-2 ( B ). regarding inquires listed I did not consent to, authorize nor benefit from any of these inquiries. Block and remove them : 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 MISUSE  OF MY CREDIT CARD INFORMATION AS DEFINE IN 15USC 1602 USING MY SOCIAL SECURITY NUMBER AS UNDERLINED IN 26 CFR 301.6323 ( H ) -1 fraudulent inquires has caused financial hard ship. this make up XXXX % of my credit score. I have been denied credit, XXXX and XXXX has already complied with the facts of law I've laid out. But Transunion it self over the have phone told me they don't care about the federal codes, that congress wrote for them to follow. Transunion continuously have disregards to the CFR, Title 15 U.S. Code chapter 41 and to the natural people.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$320.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
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. 

Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have XXXX XXXX  to be on my credit report XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

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

Accounts are reporting inaccurately to my credit report I have requesting disclosures that I signed that authorize this reporting. See attached for certified mail receipt XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX