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

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 at around XXXX PST, I made a XXXX transfer of {$300.00} for 2 tickets listed on XXXX to a XXXX XXXX on XX/XX/2018 in XXXX at XXXX. After the person received the money they did not transfer the tickets. I tried to contact them, but they stopped responding to my texts and wouldn't take my calls. Before I sent the money, they did send me a photo of their WA drivers license. 

I notified my bank, Bank of America, and asked them to cancel or reverse the transaction. They said that I need to take up the claim with the receiving bank, XXXX. I called XXXX who said I need to take the claim up with my bank. Neither bank is willing to help. Please help me recover my money. Thank you for your help. 

XXXX transfer conf # : XXXX ( from my Bank of America account to a XXXX account ) The scammer 's confirmed phone : XXXX The scammer 's email used to receive the XXXX transaction : XXXX Info from the scammer 's Washington drivers license that they sent me a photo of : Name : XXXX XXXX XXXX WA Lic # : XXXX
Product: Credit reporting, credit repair services, 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. 

XXXX  XXXX Bankruptcy : XXXXXXXX XXXX  XXXX Bankruptcy : 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: Money transfer, virtual currency, or money service

In a nutshell, the company Blockchain.com has been maliciously taking advantage of their customers with misleading XXXX verification methods. The company is purposely sabotaging its customers, making it extremely difficult and time consuming to try and verify ones identity, all in hopes that the customer will either give up or fail so that they company can keep the funds and remove them to a different wallet. 

The situation started XX/XX/XXXX. As i tried to move my bitcoin from my normal blockchain wallet, which at the time of sending was worth {$4000.00}, i noticed the transaction was stuck on pending for a long period of time. Shortly after, an email had arrived stating that i need to verify my identity to remove the money from my wallet. I have been using the wallet since XX/XX/XXXX, and not once have I EVER been asked to verify. Upon further research, i discovered that the site blockchain.com, suddenly had a policy that if more than {$1000.00} was sent, then verification was needed ; including your ID, a selfie, and a bank statement/utility bill. First and foremost, To date, i have sent well over {$1000.00} at any given time, dating back to over 3 years ago, and as recently as this Spring/Summer of XXXX, so for this arbitrary demand to come out of nowhere, it all seems extremely suspicious. 

As i begin to start the verification process, i start to notice how complicated and convoluted the process was. I have completed XXXX on numerous crypto exchanges, and they are all relative easy and straightforward. Blockchain.com sends multiple emails requesting the same info, dead links that wont let you upload, and has the response time of snail mail, when email should be a quick and easy process. Also, being a bitcoin exchange, they should be fully operational and responsive 24 hrs a day. There are no banking holidays, and exchanges do not close. After recently receiving over XXXX XXXX in fundraising early this year, you would think the company would function a lot better. But unfortunately, i have continued to jump over hurdle after hurdle, filing numerous support tickets, and constantly going back with their XXXX Support specialist, to still not have my money transfer sent through or a resolution to this problem. 

Further investigating also showed that there was a pattern of similar scenarios via review sites like XXXX. MULTIPLE customers have complained of how complicated the KYC process is, and that money from there wallet has disappeared when waiting to complete verification. All this put together, you can see the company needs to be properly vetted and investigated.
Product: Mortgage

On XX/XX/2020 I XXXX XXXX and XXXX XXXX XXXX made a money wire transferred to my mortgage with Wells Fargo. Since there had been prior communication with the bank it was agreed that the {$25000.00} dollar wire will be applied to the principal only. As a result, the debt successfully dropped from {$89000.00} to {$63000.00}. 

Since XX/XX/2020 the loan maturity date has not changed. It continues to be for year XXXX. The mortgage monthly payments are not lower either since the money wire on XX/XX/2020. 

We the customers have questioned Wells Fargo via email on XX/XX/2020 and on XX/XX/2020 and both occasions Wells Fargo has written back with the same excuse. The bank has provided the address of the investors to my mortgage in New York. Wells Fargo has failed to disclose the investor 's names or even worst ATTEMPT to be a liaison between the investors and us the clients. Wells Fargo has shown NO ethical duty to order the " investors '' as described by them to review and provide a new and accurate maturity loan date. 

Furthermore, this should be violation since our mortgage interests are been computed on the old maturity date ( XXXX ) and not on a newer maturity date. 

Wire sent to : Bank Name : Wells Fargo, N.A. 

ABA Number : XXXX Account Number : XXXX Credit Account Name : XXXX  XXXX XXXX : XXXX
Product: Credit reporting or other personal consumer reports

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

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Beginning in XX/XX/XXXX-present I have disputed a credit card with XXXX XXXX XXXX XXXX  when I noticed on my account as charge off. I have sent four rounds to the three credit bureaus, I have even sent validation letters to XXXX, and spoke with a representative at XXXX XXXX XXXX  XXXX  and she stated they did not have ANY information on file that hold me accountable for this debt. I never heard from a collection company and XXXX XXXX  XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Employer : XXXX Date Updated : XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

On numerous occasions, I have asked the 3 major credit bureaus to please stop reporting mis-information. I sent all three credit bureaus a copy of my license and a bill to confirm my personal information. 

I've also asked them to verify and validate that the information is correct. Credit reporting laws ensure us that the credit bureaus must report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.
Product: Debt collection

After not announcing who the person was, I specifically asked if this was my doctor calling regarding my medical emergency I was having. The gentlemen said yes and collected my DOB and then proceeded to tell me he was from a debt collection agency! I explained I had to hang up the phone because I specifically left work to answer this call and i was waiting for a medical emergency phone call! He impersonated a medical professional and claimed to be calling from my doctors office regarding my medical situation. I was LIVID!! This was from Renton Collection in XXXX, WA
Product: Debt collection

Discover Financial Services, LLC date filed w/ court XX/XX/19 date satisfied w/ court XX/XX/19 amount : {$8100.00} status : Grid Code L : chargeoff case # Discover Financial Svcs. LLC of XXXX. DE XXXX Credit report court : Discover Fin Svcs LLC
Product: Checking or savings account

On XX/XX/XXXX I initiated a dispute with Simple bank for {$13000.00} and the dispute was denied as I had filed it improperly, so upon the banks recommendation I reached out to the merchant to settle. Upon the merchant telling me take it up with your bank I refilled the dispute on XX/XX/XXXX. For three months not one member of the disputes team reached out to me, I tried to call multiple times and was left on hold for over an hour having to eventually end the cal each time without speaking to an individual, and sent numerous support messages that werent responded to for sometimes weeks. I provided Simple with a police report proving an identity theft had occurred and a signed affidavit that the charges were not made by me. On XX/XX/XXXX I was informed that my dispute would not be accepted and my funds not returned. I am filing a complaint to hopefully return my funds.
Product: Credit reporting or other personal consumer reports

I submitted a lot of complaints regarding my concern about the removal of the Bankruptcy that I have on my credit report. XXXX clearly stated that they could not locate the following Bankruptcy records on my file. XXXX XXXX XXXX. XXXX XXXX XXXXXXXX can't locate it on my file. It means that these records are not mine and a result of FRAUD/ERROR and it needs to be remove on my credit report immediately, as you know they are in violation of the Fair Credit Reporting Act. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Student loan

I have repeatedly called and messaged Mohela in their portal concerning 4 stolen refund checks for the past 8+ months dating back to XX/XX/2022. When I manage to actually get a response I am just told that they are investigating but there is never progress for nearly a year at this point. I am requesting that Mohela reissues the checks that I have repeatedly specified were not cashed by myself ( or reissues payment via electronic deposit ) and properly report these stolen checks so that whichever financial institution cashed these stolen checks can investigate as this is bank/check/mail fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

I have auto loan with Wells Fargo from 2017, ,I look the payments and I want to know if that is correct, ,example I paid monthly XXXX, ,and sometimes XXXX to de principal and XXXX to interest and then the next month is XXXX to principal and XXXX to interest, that is is example, ,but I want to know is that is correct the numbers change too much
Product: Debt collection

Halstead Financial Services XXXX ( XXXX ) XXXX XXXX, Ohio keep calling me regarding trying to collect something. Have no idea who they are. I do not owe anyone anything!
Product: Credit reporting, credit repair services, or other personal consumer reports

section 609 of the fcra states that there must be written consent from the individual for a hard credit pull ive noticed several in which i gave absolutely no authorization also usc 1681 states the same where there is no signature this is an unlawful act and is subject to punishment in a court of law there are several that im completely unaware of
Product: Credit reporting or other personal consumer reports

I am filing this complaint against NelNet for violating my educational privacy rights under the Family Educational Rights and Privacy Act ( 20 U.S.C. 1232g ) and the implementing regulations ( 34 CFR Part 99 ).

Detailed Explanation : 1. Background Information : NelNet has improperly disclosed my student loan information to third parties, including credit reporting agencies, without my consent or proper authorization. This disclosure violates my rights under FERPA.

2. Legal References : Under 20 U.S.C. 1232g and 34 CFR Part 99, my educational records, including student loan information, are protected by federal law. NelNet, as a servicer of federally-backed student loans, is required to adhere to these privacy protections.

3. Impact on You : The unauthorized disclosure of my student loan information has negatively impacted my credit score and caused financial harm. It also represents a breach of my rights to privacy regarding my educational records.

4. Previous Attempts to Resolve : I have contacted NelNet previously to address this issue, but they have failed to take corrective action to protect my privacy rights under FERPA.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent and unauthorized information on my credit report under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681b, and to request that this information be blocked and removed immediately. 

I have attached a copy of my police report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as proof that this information has been reported improperly. 

Legal Basis : Violation of 15 U.S.C. 1681b and 1681c-2 Violation of 15 U.S.C. 1681b Reporting Without My Consent : According to the Fair Credit Reporting Act ( FCRA ), the inclusion of information in a credit report requires express written consent. 
I never provided such consent for this account to be reported on my credit history, which constitutes a violation of the FCRA. 
Violation of 15 U.S.C. 1681c-2 Fraudulent Information Must Be Blocked : This section mandates that any fraudulent information on a credit report must be blocked immediately when the consumer formally notifies the credit bureau .

While this account may have been opened in my name, it was reported without my authorization, making it fraudulent and requiring immediate removal. 
Fraudulent Information to Be Blocked The following information on my credit report has been reported improperly and must be blocked and removed immediately : XXXX XXXX Under 15 U.S.C. 1681c-2, I formally request that this fraudulent information be blocked immediately from my credit report. This information must remain blocked for one year, after which I may request an extension of the block. During this period, this information must not be reported as valid nor allowed to reappear on my credit report.

Previous Attempts and Lack of Response I have made multiple attempts to contact the credit bureau regarding this fraudulent account, but they have failed to provide a solution to this issue. 

This has significantly impacted me, preventing me from acquiring a new home for my family. 
This account has been removed and not verified by other credit bureaus, so I do not understand why you continue to claim this account belongs to me. 
I have requested copies of the contracts from the company in question, but after more than 60 days, I have received no response. 
For these reasons, I request immediate action to block and remove this information from my credit report.
Product: Payday loan, title loan, or personal loan

Received a loan from Mariner Finace for a Jacuzzi. The loan was considered same as cash 0 % if paid within 180 days. The company sent me an email with a welcome letter to login and establish my acct. Once I logged in, there was no statement or evidence of an acct. I called and tried to rectify more that 20 times, speaking with the Branch Manager, IT and agents with no luck. I was forced to make payments as to keep my credit clean but have no statements showing my loan, payments or outstanding balances. Their system is blank and I have no visibility or transparency regarding payments, balances or any changes to my account. I want to payoff the loan but can not receive a payoff, statements or understand if I payoff, they will not come after me later down the road. I have escalated dozens of times asking for a statement via letter, email or a screen shot of their systems since my login credentials do not map to may account. My account page does not even show I have an account with Mariner finance. 

Working with XXXX XXXX in XXXX Mariner Finance ( XXXX ) XXXX
Product: Debt or credit management

I continued to pay for credit repairs for myself and my daughter. A few things were fixed while nothing was done for my daughter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See documents attached.
Product: Credit card or prepaid card

I feel discriminated against because I am a successful XXXX XXXX, with good credit, and XXXX with multiple XXXX XXXX. I applied for a Business Card with chase. I was declined, I contacted them for a reconsideration. I was advised I opened too many cards in 24 months. I asked to further explain. XXXX, whom I spoke to on XX/XX/2017 who was extremely rude and refused to escalate the phone call, advised that 7 credit cards over a span of 24 months is a risk. Note I have an outstanding credit score. He threatened to hang up on me. I decided it was going no where so I decided to call back and speak with someone that could assist me. I reached XXXX, same decision, did n't even ask any questions about my business ( net profit, loss, gains, type of business ). Just declined me. <P/>Keep in mind, I requested a MANAGER both times and ended up speaking with basic representatives that only handle escalated calls. Both times they refused to get me to a MANAGER. Once again, I feel discriminated based on gender, race and being a competent credit user.
Product: Student loan

On XXXX XXXX i called ed financial set up my account on line and paid my account in full of XXXX i have called many times since then requesting that the send me a paid in full invoice and also have them remove my information off my credit report as paid in full. They have yet to do anything about this or respond back to me. I am out of options and need help. This is getting out of hands and needs to be taken care of. I am a XXXX XXXX trying to buy a house. And i can not do so unless they send me the information i need to do so. I can provide receipts upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to open an account at XXXX XXXX myself. I'm a non-resident here in the US, but I have two business in the US. A banker at XXXX XXXX made a mistake filling up my information and this got in the Experian system.
Product: Credit reporting or other personal consumer reports

Hello and good day, this is a formal complaint I am submitting to address incorrect information that has been mistakenly included in my credit report, please take it seriously and read this thoroughly. 

There are accounts showing up on my report that are not mine and seem to be linked to another persons profile. This inaccurate reporting is damaging my credit score and adds to the concerns I have regarding ongoing issues with identity theft and fraud. This situation violates my rights as a consumer and unfairly tarnishes my financial reputation. I am requesting that this matter be given priority so my credit report is corrected and only includes legitimate information that is truly associated with me.