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

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00}, XXXX COL ENT XXXX Balance Owed : {$86.00} These accounts and Addresses are reporting on my personal credit file with ( XXXXTransUnion ) credit reporting agency . This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for a free trial for XXXX XXXX XXXX, there is no way to cancel in a self-service capacity hence forcing you to call XXXX, which is a totally unacceptable practice with the online tools that are present. I called to cancel within my time period and they were closed, even though I called within the posted days and times. ( our call center is open Monday-Friday from XXXX XXXX. to XXXX XXXX., Saturday-Sunday XXXX XXXX to XXXX XXXX Pacific Time ) I called back after the next  business day and was told there was a 1hr wait time, I had to hang up around 45 mins because work called and had to take the call, I tried calling back again and it said my wait was 2hrs! So I tried subsequent days to reach someone to no avail. I received a charge for XXXX, I have since disputed it with my bank because I have had no means to reach anyone in a reasonable amount of time nor can I cancel easily.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # 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: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from alleged identity theft. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and I noticed that there are various student loan account still appearing on my report and past the statute of limitations ( 7 Years ). I request that this information be removed from my credit reports ( XXXX, XXXX, and XXXX  )
Product: Mortgage

I called on XX/XX/2020 to inform that I had lost my income weeks prior due to XXXX response, and that I could not make the XXXX and XXXX Payments. We discussed a forbearance program where they agreed to not continue collections and to put off our due dates for 3 months. I was told they would determine how to address the forbearance when the program ended. 

I received a letter dated XX/XX/XXXX, detailing the forbearance agreement which includes a balloon payment of {$15000.00} on XX/XX/XXXX. I then received an XX/XX/XXXX letter informing me that my loan was in default. Both of these actions appear to clearly be collection activities. 

I called the company when I received the second letter, still trying to figure out how to reply to the first. On that call of XX/XX/XXXX I was informed that the loan was indeed in default because of my missed payments and that it outlined my options. 

This hardly seems to be in the spirit of the government guidelines regarding the COVID-19 emergency. I most certainly will not be in a position to pay that balloon payment on XX/XX/XXXX. 

Contradicting their Plan details, they have mentioned in the letters an ability to, at the end of the plan term, discuss Deferral, a Balloon payment or submitting applications for a repayment plan, mortgage modification, short sale or deed in lieu of foreclosure. 

I have already attempted recently to get a mortgage modification and was denied. I don't see how after this mess and under the cloud of a default I will receive a different reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to TransUnion via mail on XXXX XXXX. I have previously opened a case against them because it has been well over 45 days and they are continuously giving me excuses and are not removing incorrect information. 

I received a response from TransUnion with case number XXXX that basically said they 1. XXXX DID receive my original correspondence on XX/XX/2020 ( delivery stamp ) and it took them extra time to process ( 15 days ). How is this in any way helpful or my fault? 
2. TransUnion DIDNOT confirm, verify, or delete any of the information i requested. This is against the law and TransUnion should be fined {$1000.00} for each account they are reporting incorrectly. 
3. TransUnion suggested that if something is appearing on my credit report incorrectly i should contact the creditor of the closed account thats showing delinquent that is not mine? 
This statement alone breaks so many laws. TransUnion is obligated by law to verify each account on my credit report. In addition they are obligated by law to remove ANY account that is not 99 % accurate from my report. Furthermore, TransUnion is violating the FCRA consumer rights by neglecting my request and openly breaking the law multiple times. 

I have attached my first letter dated on XX/XX/2020. TransUnion needs to do the math and realize they have gone way beyond the window of investigation. This none sense needs to be deleted immediately. 

I do not want to hear any excuses.
Product: Checking or savings account

I opened a checking account on XX/XX/2023 with a promotion that would pay based upon direct deposit received in first few months of opening. I met the direct deposit requirement on XX/XX/2023 when I had {$1000.00} deposited of my paycheck but have not received the bonus as it stated I would. I contacted Wells Fargo on XX/XX/2023 and was told that they can speak to me about missing promotional money on my account and whether or not I should receive the payout and that I must go to a Wells Fargo branch. There is not a branch within XXXX miles of me and therefore they refuse to be able to speak to me about the problem on my account
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX # 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 of 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

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. And it has been 46 days later I have not received a response yet. I also sent another letter on XXXX And still nothing! I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days so they should be deleted promptly.

I demand these accounts and Inquires to be deleted immediately or will file for litigation due to wrongful reporting on my credit profile, this isn't right! My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 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 also states a consumer reporting agency can not furnish an account without my written instructions. 

I also wrote to the Bureaus to remove all non associated addresses, phone numbers, employers and names : XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX XXXXXXXX I also wrote to them to remove the bankruptcy
Product: Debt collection

I am a victim of an elaborate XXXX XXXX  and my XXXX XXXX. I have paid my debt in full plus paid the repo fees. Westlake Portfolio Management, XXXX XXXX XXXX and XXXX XXXX has an scheme together to swindle customer 's such as myself out of additional money. For serval days I have been trying to retrieve my XXXX XXXXXXXX XXXX XXXX. I spoke with XXXX repo personnel and Westlake Portfolio. Westlake Portfolio Management XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Everyone is give me wrong information Spoke with supervisor XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Please help. I feel because I am of XXXX, that they have the right to XXXX XXXX XXXX XXXX  of an indigent person such as myself.
Product: Debt collection

On XX/XX/XXXX the XXXX XXXX XXXX parked a debt, which I do NOT OWE on my credit report, thus damaging my credit rating. 

I have reached out to XXXX XXXX XXXX on the phone on XX/XX/XXXX and on XX/XX/XXXX asking the company for validation and back-up documentation. To date ( XX/XX/XXXX ) they have provided no written form of validation or proof. 

At no time has XXXX XXXX XXXX contacted me about this debt nor did it notify me it would report this to the Credit Agencies. 

XXXX XXXX XXXX failed to validate the debt or provide any proof to me that I owe this money or that the debt is valid. 

XXXX XXXX XXXX provided false information to the XXXX and XXXX credit agencies claiming that the date of the delinquency was XX/XX/XXXX. This is a lie, as I was never a XXXX customer at that time. 

These debt scavenger activities employed by XXXX XXXX XXXX appear to be in violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and have noticed " XXXX/XXXX - XXXX '' has inaccuracies for Experian. Such as on " XXXX XXXX '' it states I owe " XXXX '', that is an inaccuracy the documents provided show a balance owed of " XXXX ''. " Payment Amount '' is inaccurate as well, it is reporting a payment of " XXXX ''. In the uploaded documents there are payment amounts of " XXXX ''.
Product: Credit reporting or other personal consumer reports

I hope this letter reaches you promptly. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items on my account. 

I discovered unauthorized transactions on my account and immediately reported the fraudulent activity to your customer service department. While I appreciate the initial steps taken to address the matter, I am distressed to inform you that the fraudulent items have not been adequately removed from my account. 

Despite providing all the necessary information and documentation as requested, the issue persists, causing significant distress and inconvenience. I am increasingly alarmed by the lack of progress in resolving this matter and the potential impact on my financial well-being. 

I urgently request your immediate attention to this issue and a thorough investigation into the reasons for the delay in removing the fraudulent items. I insist on a swift resolution to rectify the unauthorized charges and restore the full amount to my account. 

Furthermore, I seek transparent communication on the steps being taken to resolve this matter, as well as concrete assurances that my account will be safeguarded against any future unauthorized access. 

This situation has caused me significant stress and frustration, and I trust that your company will take the necessary actions to rectify the issue promptly. Failing a satisfactory resolution, I may have no choice but to escalate this matter to relevant regulatory authorities. 
I am asking for your assistance to remove these fraud items in my credit file : 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
Product: Money transfer, virtual currency, or money service

USD Withdrawal stuck " In Review '' status - Support ID # XXXX & # XXXX Support has gone silent and does not follow-up whatsoever. Basically not processing my withdrawal and claim its " In Review '' and that it was escalated and need to be patient. Based on several other reviews some people have waited months and still have transactions " in review '' I need this money asap so I can make my house payment. 

I have been using Blockchain.com for several years now, without any problems, until recently. I made a USD withdrawal to my bank account, which normally takes about 24-48 hours to receive the funds. Except this time the funds didn't come. So I checked back online and noticed that my USD withdrawal was in a " In Review '' status. Then I got an email from Blockchain, pasted below.

I provided all documentation requested, except I could not provide any history/transactions for anything gambling related, because my crypto has nothing to do with anything illegal, such as online gambling or sports betting. I am blown away how they came to such a conclusion. I been withdrawing crypto here for years and then randomly get told that my funds are associated with gambling and need to provide all this documentation that I do not have? My friends pay me via crypto, I don't know where they get their funds, nor do I care. I have nothing to do with any online gambling, so I shouldn't be punished for it. Of course support has gone silent on me and it appears that my funds will be locked up for a very very long time while my case is " under investigation ''. How strange though. Been doing the same thing for 5 years and out of the blue when I need money the most, its randomly flagged by their security system.. I have a bad gut feeling I won't be seeing that money anytime soon. Please HELP!!!!! 

" Hello XXXX, Thank you for using Blockchain services! In Your recent activity we detected that funds linked to a gambling service were deposited into your Blockchain.com account and we require the following information : - Occupation - Proof of residential address, in the form of a bank statement or utility bill dated within the last 3 months - Explanation and proof of Source of funds, in the form of : Deposit and withdrawal activity from the gambling service from where the funds were deposited ; Gambling service activity ( betting history ). 
- Source of Wealth in the form of : Payslips ; Inheritance ; Sale of real estate ; Etc.

Please reply within the next 5 business days to avoid any suspension to your Blockchain accounts.

Thank you for your cooperation. 

With kind wishes, ''
Product: Credit reporting or other personal consumer reports

I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.
Product: Debt collection

Last year on XX/XX/XXXX I noticed my credit score decreased by XXXX point. I researched the issue and found it to be because of a {$310.00} medical bill that had gone to collections. I contacted the collection agency immediately and it was discovered they were sending notices to an old address so I never received the notices. They didn't care. I was willing to pay the bill, but wanted it off my credit report. They said no. I contacted the original hospital and the anesthesiology group. Everyone had the wrong address because the hospital neglected to update my records the day of the procedure. I provided the right address to everyone at that point, but no one would help resolve the issue. I actually have a copy of the official medical records that show I provided the hospital with a copy of my Driver 's License with the correct address. After numerous calls, I gave up last year trying to fix this. I decided to pay the bill today, XX/XX/XXXX with the credit agency because I owe the money. They said it was past the time limit to collect. I stated that I always wanted to pay the bill because I owe it. I just want it off my credit report because I never got a bill from the anesthesiology group or the credit agency.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information : Name : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Collection/Charge Off : XXXX XXXX XXXX XX/XX/XXXX {$3700.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$4700.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} Inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Late Payment XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As a natural person and a consumer, I have a right to privacy. I have not given Equifax written permission to report the disputed and identified accounts on my consumer reports. I have been communicating with Equifax by writing repeatedly on XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and again by Fax since Equifax refused the certified mailed letter I sent in XX/XX/XXXX. I have been calling and speaking to a wide range of customer service agents, and supervisors day after day, week after week, informing each one that my privacy rights as a consumer have been repeatedly violated and that I have identified accounts that are reporting on my consumer reports as a result of identity theft. I am being repeatedly ignored because those accounts I have repeatedly identified are still on my report. I want them blocked and removed immediately, pursuant to my privacy rights enumerated in FCRA 15 USC 1681. 

Please see attached
Product: Student loan

I Called Navient early last year, and let them know my situation abut repayment. They told me that I did not qualify for a forbearance because i had already done it 3 time and was n't allowed to do it anymore. Then, they told me in order to get any help with repayment, I had to be past due at least 3 months. When that happened, they were able to adjust my interest rate down to 3 % for 1 year, which i thought was fantastic. But what i did n't realize was that after the 1 year had passed that my interest rate was going to be higher than it ever was at 9.5 % and it was going to keep getting higher each month after. They have no explanation as to why they did this. All of my private loans are currently set at 9.75 %. I feel as though something else can be done as I will never be able to pay more than minimum at this rate and it will take me longer than ever to repay these loans.
Product: Debt collection

XX/XX/2022 - I have disputed the claim with the credit bureaus. 
This company XXXX XXXX just showed up on my credit report. I have not ever signed a trade agreement with this company. 
The amount of the claim is {$580.00}, I have not received any goods, or traded services with this company.
Product: Credit reporting or other personal consumer reports

I have contacted experian XXXX  and XXXX about this account nothing has been done the information across all three companies is different. I have asked for investigation and re-investigation and they are not investigating the matter