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

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Mortgage

In XX/XX/XXXX our home loan was modified using the HAMP program. The lender offered two pay to perform benefits. One would be {$1000.00} per year for the first five years for a total of {$5000.00}. Second is a principal deduction of {$26000.00} per year for the first three years for a total of {$79000.00}. This full credit should have been completed XX/XX/XXXX. I would like to point out that this loan agreement has been signed and notarized by both parties and filed on the property. 

As of today, we have received {$4000.00} credit for the $ XXXX/year and {$0.00} of the $ XXXX/year principal reduction. These terms are stated clearly on the HAMP agreement filed on the property dated XX/XX/XXXX, page 4, paragraph 1. It also stated clearly on the HAMP offer from NationStar dated XX/XX/XXXX, page 3,  paragraphs 1 and 2. 

I called Mr. Cooper ( formerly NationStar ) several times asking about the $ XXXX/year and have been given the runaround. Here are my notes on the calls : XX/XX/XXXX - Spoke to XXXX at Mr. Cooper. Was told that two {$1000.00} ( XXXX, XXXX ) were on record but nothing on $ XXXX/year. She was sending an inquiry to pay to perform department. 

XX/XX/XXXX - Spoke to XXXX ( in AZ ). Inquired again about credit noting that it shouldve been completed in XXXX and that it was two years past due. I was told that it was a typo and that I would only get the $ XXXX. Transferred to XXXX XXXX, supervisor ( x XXXX ) and told it was being reviewed by pay to perform XX/XX/XXXX - Received letter showing credit of {$4000.00} for pay to perform incentive. 

XX/XX/XXXX - Left message for XXXX XXXX. Call returned and he stated there has been no feedback on my inquiry. 

XX/XX/XXXX - Spoke to XXXX ( in AZ ) as XXXX is now unavailable to take my calls. He told XXXX he will email me. After some heated complaints of all the emotional distress Ive experienced dealing with them I was finally given to XXXX XXXX. He stated again that he did not have an answer. He said something about the documents being reviewed. 

Overall, getting a HAMP loan has been an extremely stressful process on us. We had to hire attorneys to get it in the first place. Now Mr. Cooper has made it clear that they have no intention of honoring our agreement ( that they offered ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX to XXXX, I have been seeing a lot of advertising on Credit Karma. They are sending all sorts of pre approval 's telling me that I'm pre approved for personal loans, credit cards and that I can refinance my car. All this to my email. I see these same offers every time I log in to check my credit scores. After some months have past and receiving so many offers that I was pre approved, I applied, through Credit Karma. I shared this Information with friends and family to sign up for Credit Karma to get same pre approved offers, if not better. I applied in or around XXXX and got denied for 2 credit cards and a personal loan. I was very upset and devastated. I was lied to and marketed for several months. Credit Karma told me that I was pre approved and they told me a lie! I was severely stressed and sick for weeks. Anytime I see something about pre approvals I get scared away. I no longer check my credit because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXXXXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX {$470.00}
Product: Credit card or prepaid card

On XX/XX/2017, Bluebird American Express wrote me the attached letter stating that I was in violation of Section 22D with no explanation of what that was or gave me an opportunity to dispute. Today, I was told by a representative that it was regarding the disputes I filed or the fact I filed too many. I feel this an unethical company that discourages disputes from the customer. If I wanted to file a dispute over a charge, then it should be my right to find out where my money is going. There was one situation of two where I disputed a charge because the way the charge was named by the vendor was an unknown name which led me to believe that these charges were to be investigated. However, for these charges I emailed Bluebird when I realized and said I remember. Even yet, to suspend or close my account on this basis is nothing less than unethical. I was given no explanation nor was given an opportunity to dispute, which led to the situation I encountered today. I purchased another card, thinking the previous account was closed, and when I attempted to register this card, it wouldn't allow me to register with a {$500.00} balance on it, which I needed to take care of a very serious situation. I called Bluebird customer service and was given the run around, and the wrong information, I was told that I could withdraw from the ATM, which was wrong, and I drove to ATM, only to find out I could not do that without registering the card. I called Bluebird back and they were even more helpful, I talked to someone named XXXX in Account Protection Services and he was unable and unapologetically unable to resolve my situation. This representative also insisted that there were no headquarters or no entity I could file complaint with. I informed him that I was going to record him, he didn't agree and so I really did not record the conversation but he didn't want it recorded because he wasn't being truthful I suspect. Every company have someone they report to or higher than them. I wouldn't have had this problem with my current card if Bluebird had not unethically and unjustly suspended my previous card for no reason or without an explanation without my input or opportunity to dispute. That is evil and disgusting.
Product: Credit reporting or other personal consumer reports

15 U.S.C 1681 section 602 A states that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

My fiance and I are soon to be in the market to purchase a home. I prepared be checking my credit report to know my score. While doing so I noticed a few items that are not mine. These items need to be deleted from my credit report. I've contacted FTC and my local police. I'm doing this on my own behalf. There are still items on my credit report that are not mine. Chapter XXXX Bankruptcy, XXXX, XXXX, XXXX XXXX, XXXX, XXXX/XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX. inquiries : XXXX/XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXXXXXX XXXX {$6500.00} XXXX XXXX {$4600.00} XXXX XXXX {$5400.00} XXXXXXXX XXXX XXXX {$9800.00} XXXXXXXX XXXX  XXXX {$180.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple disputes and method of verification requests regarding accounts that are reporting on my credit report. I keep getting that the accounts have been verified with no substantiation. 

I have requested the names of who did the investigation, dates, how was it concluded that these are in fact my accounts. I The confirmation # on the report I just received is # XXXX
Product: Checking or savings account

I received a letter from JP Morgan chase that they were closing my active checking account with XXXX dollars in it on XX/XX/. 

I went to bank to close account ahead of this date and have been told that I am not allowed to remove my money without permission from their corporate office. We have been waiting for approximately a hour to get clearence. Looking online I have seen over twenty references to a similar issue with chase in the last two weeks none resolved. 

No large cash transfers have occurred recently but I have bought a new car and motorcycle and wired money to those dealers. 

I have access to my account online and in person on my debt card but have only bought lunch since then. If they close my access to this account I will be unable to pay bills or buy food until this is resolved because I have had the same single checking account for the last 20 years. 

The branch manager information is below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Phone number XXXX XXXX
Product: Payday loan

Was told that first payment was gon na be slightly higher but paper work state something totally different need exact amount of first payment
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am XXXX years old. In early XXXX, I opened my first checking account only to find out that my identity was stolen. The bank officer showed me a copy of my credit report from Equifax and I saw that my credit had been used since 2016. I called and talked to someone from Equifax and they asked me to send proof of my identity ( ie. social security card/driver 's license ) so I could get a copy of my credit report. I sent the information off the next day and it Is XX/XX/XXXX and I still have not heard from Equifax. I really would like to get a copy of my credit report so that I can start the next chapter of filing a police report for identity fraud and get this removed from my credit report because I am just starting out in life and would love to have a clean slate. I hope that you are able to help me with this endeavor. 
Thank you, XXXX XXXX
Product: Mortgage

I applied for and was approved for Mortgage Assistance in XX/XX/2021 and BSI Financial Services, my mortgage owner refuses to supply the housing assistance / Human Services agency with a correctly completed and signed W-9 for funds to be released. The program requires a W-9 to be able to release funds and that has been explained over the phone and in writing. The case worker with the XXXX of XXXX has supported me and also contacted BSI Financial Services several times to request the W-9. Its now XXXX and they continue to ignore my requests and have sent an outdated and incomplete digital PDF listing themselves, BSI Financial Services, as the requester which we have explained is incorrect. I can not afford an attorney and no longer trust my phone call and written attempts as a paying customer.
Product: Vehicle loan or lease

Hi, Wells Fargo, car loan repossession within 45 days I had previously submitted a concern for towing charge and excessive fees during during 2016 for a repossession from Wells Fargo bank. It was determined that they were in the right and they " had contacted me. '' But the more I thought about it, there were automated calls that came through, but I never actually talked to a person. It seems to me that if a car is repossessed that I should have a chance to pay it. I had the money. It was late, but I was less than 2 payments behind and it was within 45 days. We were struggling and it did n't even dawn on me that a company could repossess a car that quickly. It completely shocked me, and after the fact it struck me as unfair.
Product: Checking or savings account

I opened up an account with Citibank and they ended up restricting my account because I typed my password in wrong so they immediately assumed FRAUDULENT ACTIVITY!! Yeah, not the case. After I opened the account, they were mailing me my debit card and stuff and I ended up moving to North Carolina and by the time the card was sent I didnt live at that address anymore. I have called time and time again and have tried to get ANYONE to help me but they refuse to help me because they want a phone number in my name which I even have now and they STILL wont help me. They say their gon na mail me stuff and they never do. They have my updated and new address and everything. I want my XXXX bucks!
Product: Checking or savings account

I been trying to open a bank account about 2 years now and Im having a really hard time getting an account. In XX/XX/2016 I received a fake check in the mail from who I thought was my new roommate. I went on XXXX XXXX looking for a roommate and she sent me a fake check. She said she live in XXXX and she moving to XXXX. for her job. She sent a {$5000.00} check and said for me to take out her part for the rent and give the other half to her movers. every since then I been having an hard time getting a bank account. I tried to file a police report and the detective said it wasnt no point to file a report because it may not been the real person or her real name. We emails, talk over the phone and she sent me a friend request on XXXX and she sent pics. I still have emails from her with the date on it to prove it.
Product: Debt collection

My XXXX died owing a credit card debt. The debt collectors say I now owe the debt. My name is not on the application for credit nor have I benefited from the credit card. The debt collectors reported it to the credit reporting corps. and it appears on my credit report as a debt I failed to pay and fraud. I am applying to refinance my home and I am being denied because of the report. I have no other blemishes on my credit report. I ca n't sleep with the fear of losing my home.
Product: Debt collection

Received a phone call about a collection for  XXXX , contacted  XXXX  over the phone,  XXXX  stated no account was active and or open, requested from  XXXX  written information on account, was not able to receive information, because nothing was on file. Disputed account with  XXXX  back in  XXXX  over phone service which was provide and did not meet customer approval. This collections appeared on my credit report,  Diversified Consultants INC. Disputed collections, requested a settlement agreement with paperwork over the phone in a  conversation with Diversifi ed Consultants Inc . Th is conversation took place at my home in  XXXX    XXXX  , requested paperwork to prove nature of collections either by  XXXX  and o r Diversified Consultants Inc . I was not granted the paperwork for proof of debt and or billing statement being disputed from  XXXX  and or  Diversified Consultants INC. Re questing this company removed from my credit report any debt collections, we reached at a settlement and paid on  XXXX  the amount of  XXXX  $ I was told this would be removed from my credit report, however  XXXX  could request the addional  XXXX   . And could turn this over to a debt collector. Requesting an investigation,  XXXX  who hired this  comp any Diversified Consultants Inc. To  collect a deb, I need to know this is a true collections agency seeing nothing is listed in the State of Wisconsin  . I also  want this removed from our Credit report from  XXXX    XXXX  , all debt collections seeing we were not able to receive information on billing debt from both parties. Note we have been in contact with  XXXX , and requested to settle with  XXXX  directly, however no information was on file at  XXXX , Since  XXXX  we have been disputing and requesting data from  XXXX , which  XXXX  was not able to provide, In closing I would like a response to this investigation.
Product: Checking or savings account

I had a case opened against them before. NO ONE RESPONDED TO ME ABOUT ANY RESPONSE TIME ON MY PART. I cant close my account. the prompts are not accurate and you can not speak to anyone. However I see you all filed a suit.
Product: Mortgage

My home loan went into default XX/XX/2014 with XXXX XXXX, due to a temporary hardship. The hardship was resolved and an application for loan modification was submitted ( XX/XX/2014 ). Since the original submission, and to date, XXXX and its servicers have rotated at least XXXX " Preservation Specialists '' on my applications, lost or arbitrarily rejected multiple loan modification requests, applied arbitrary qualification criteria, transferred servicing to another company, and has repeatedly misrepresented the status of the application and required substantiating documents. After being told by XXXX that the loan was not in active foreclosure and they were working with me, on the same day they filed foreclosure. Defending myself in court has been costly and distractive, as well as a cost in emotional stress and lost wages. Meanwhile, the finance charges grow and related administrative fees increase. My consumer credit counseling representative suggested a complaint is in order. I have also filed civil counter claims.
Product: Credit reporting or other personal consumer reports

There are several items on my reports that are being reported by XXXX, Transunion, & XXXX. I have contacted all creditors and each bureau. I have not only been a victim of identity theft, but also my name was a part of the data breach. They refuse to remove the items and it's been a long time of the same treatment.
Product: Checking or savings account

XX/XX/24 XXXX Wells Fargo XXXX XXXX XXXX XXXX XXXX NC XXXX Transaction XXXX XXXX  XXXX I go to drive through to deposit rolled coins, {$2.00} in XXXX, {$2.00} in XXXX, and {$10.00} in XXXX. I use a mechanical roller that fills rolls full to noted amounts. Each roll I placed into the tube was full. After sending it over, XXXX said " she can tell '' when rolls are short and opened one of the dime rolls and claims an entire dollar was missing, " about XXXX cents from each. '' She only told me this after doing it, leaving me in my car and unable to supervise any of this counting. Again, my machine uses rolls with one end precurled and the tubes are designed to be filled full and when removed from the chamber the coins fall down leaving room to fold the other end. Both XXXX rolls were folded well into the green lines at the end. So I go inside and she shows me 1 roll with a dent below the green lines and XXXX already lined up in a tray. I know for a fact they were full and I suspect, for whatever reason, she stole a dollar from me. I would like someone to check the cameras and see what she did and whatever should happen to a banker who steals from customers
Product: Student loan

ECMC has been taking my tax returns to pay off private student loans for 4 + years. When asked for a statement showing all my tax returns being applied to open loans they can not provide me with any prof!!!! It has been at least 4 years at at least {$2000.00} per year, they have also been taking my state returns at about {$100.00} per year. That 's well over : {$8500.00} estimate. Yet they still claim I owe them the whole balance of {$13000.00}. MY loans should be at {$4500.00} NOT {$13000.00} I have read online that I am not the only person that this is happening to. It is scary and I honestly feel like these loans should be forgiven. The schools I attended have both lost their accreditation. Both have also been involved in class action lawsuits.. I am at a loss about what to do.
Product: Debt collection

I paid XXXX medical collections and WAKEFIELD & ASSOCIATES stated I would receive a paid and full receipt upon payment. I have called multiple times and I keep getting the same run around that They have faxed my receipt in which I have not received. I paid with my debit card and have proof of transaction. The phone calls are recorded and should show as proof to our agreement in full. WAKEFIELD & ASSOCIATES have not validated my debt yet they still are reporting these negative accounts.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2023, I fell victim to a multi-layered scam operation run by " XXXX and XXXX '' which involved me making deposits for a total amount of {$25000.00} USD from my Coinbase Wallet account to fraudulent investment firms ( s ).
Product: Debt collection

I sent nca i debt validation letter on XX/XX/XXXX. They requested more time. I also sent them a complaint on XX/XX/XXXX, and they requested more time. They did not provide me any proof of this alleged debt. How can they say I owe a debt when they have no paperwork or any contract with my signature? Nca needs to delete this alleged debt today from all credit bureaus. They have had plenty of time to come up with the documents.
Product: Credit reporting or other personal consumer reports

Identity theft and did not recognize or gave permission on over 12 closed accounts that are adversely affecting my credit fico score.

DSPUTED FOR OVER 5 TIMES AND NO REMOVAL HAPPENED. 
These are the account details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ZIONS DEBT HOLDINGS 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 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 XXXXXXXX
Product: Checking or savings account

Coinbase closed my account due to misc reasons, and are holding XXXX in it and not releasing it. I have reached out for months with no avail. They wont release my money, since its stuck in their vault
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown information on my credit report. To this date, over 30 days later I have not received a response. I feel like I am being taken advantage of and being ignored with my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to remove those inaccurate items from my credit report. It has been over 30 days, so they should be deleted immediately. I demand those accounts to be deleted immediately or I will file for litigation due to the XXXX  you cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Debt collection

I received a letter from IL XXXX XXXX XXXX XXXX saying they were going to get a judgement against me for Jefferson Capital services, LLC for an original debt to XXXX XXXX. I do n't believe I ever owed a bank by that name and if I did it was many years ago. I believe I have paid off my old debts and this does not appear on my credit report so I suspect it is a fraud.