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

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Transunion all showed my name and report as having an account with XXXX XXXX XXXX. Transunion dispute was good and the bad information was removed. XXXX  will not answer the phones and the on line service will not function at all. 

I have contacted XXXX Cards and they say they can not talk to me about the account because I am not on the account and they can find no record of an account in my SS #. I asked for a written statement to that effect and they told me I had to dispute it through the individual bureaus. I have done it and all but XXXX have fixed it. 

I sold my house and now can not get a mortgage due to this error. How in the heck do I fix it?
Product: Credit card or prepaid card

On XX/XX/2023, I purchased a Vanilla prepaid gift card. I needed ot to rent a XXXX. The person renting me the XXXX forgot to give mw my card back and I did not realize it until I got moved to a different state. When I called to see if they jad my card, he said he couldn't find it. I called Vanilla Card and reported it lost. I submitted all the information needed for them to issue me a replacement card. I called on or about the XXXX of XXXX to make sure they received everything they needed and They said they had everything they needed and I would receive my replacement card by XX/XX/2023. I called on XX/XX/2023 to check the status and they told me they still needed me to submit my proof of address ( which I already did previously and confirmed receipt ) and that it would take another 30 days foe them to investigate after they received my proof of address. I just want my replacement card but I should not have to go through all thia for months on end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in numerous dispute letters and FTC reports to Equifax, XXXX, and XXXX  to have these items deleted off of my consumer report. There are 4 negative accounts reporting inaccurate information along not having my permission to report private information. XXXX XXXX XXXX {$3500.00}, XXXX XXXXXXXX XXXX XXXXXXXX {$3000.00}, XXXX {$5300.00}, XXXXXXXX XXXX XXXX XXXXXXXX {$850.00} These accounts are reporting as charge off accounts. Charge off accounts are reported as income to the IRS and by law income CAN NOT be reported on a consumer report. Also, I did not give consent to have these accounts reported to my consumer.
Product: Vehicle loan or lease

Santander Bank did not report my payments for the month of XXXX. On other occasions he filed a dispute due to this inconvenience. so if you don't report my payments my credit score is affected. Today is XX/XX/XXXX and I check my credit score and it shows that my last payment was XX/XX/XXXX. I made the payment for XXXX and XXXX and they do not appear.
Product: Credit card

WF CRD SVC ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX, IA XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you WF CRD SVC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : WF CRD SVC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All my Student Loan Accounts are showing missed payments although they are all deferred, included in my Discharged Chapter XXXX and also states Excellent payment History.

These were included in my bankruptcy but are also deferred until XX/XX/2020. They are showing as missing a payment or delinquent and have been negatively reported. I contacted customer service and they told me they are not being reported as missing payments but they are as it shows 35 missed payments. I need to have these corrected with the correct notification as they should not be reported as missing any payments as no payments are due.

Also some of my accounts are reported as negative after my bankruptcy was filed and should be noted as included in bankruptcy and discharged.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries were not and should not be reporting.
Product: Payday loan, title loan, or personal loan

This company outright steals from their customers. I knew going in that the interest rate was predatory but also knew I was going to make extra payments and pay it off as soon as possible. First off, they make it as hard as humanly possible to make extra payments. They say you can do it online but you ca n't. Their website is always having " technical difficulties ''. I did manage to finally make additional principal payments and when it came time for my final payment to come out my balance was less than {$50.00} and yet they deducted my usual full loan payment of {$110.00} out of my account. I spent close to an hour on the phone with them, part of which included a 3-way call with my bank to confirm the amount removed from my account which they did. Even after all that they would n't give me my money back. They said they were going to " escalate the matter '' and call me back but never did. They are stealing from people with emergencies. They are XXXX.
Product: Mortgage

This complaint is in response to case # 'sXXXX XXXX. did get in touch with me. The very XXXX time I got a call from wells fargo not asking for my deceased wife. He still refuses to answer any questions concerning accounting and proof of authority concerning My deceased wife 's defective " Note and Deed of Trust '' or the alleged loan that never took place, evidenced by the defective " Note and Deed of trust '' Miraculously thanks to your investigations correspondence is now being made to myself and " THE ESTATE OF XXXX XXXX XXXX XXXX '' Whereas prior to your investigations., all correspondence was made to XXXX XXXX XXXX XXXX making it appear to the court, public and potential victims hoping to purchase my home, from Wells fargo that she is a living breathing defaulting bad person. Which is not only unacceptably disrespectful to my beloved deceased wife, but also slander and defamation of character towards the sweetest, most thoughtful and beautiful human I 've ever known.Wells Fargo is still with no way to prove any authority to do so, only color of authority rescheduled a TRUSTEE / FORECLOSURE SALE for XXXX XXXX. I am filing a 'MOTION FOR PRELIMINARY INJUNCTION AND TEMPORARY RESTRAINING ORDER in THE XXXX JUDICIAL DISTRICT COURT, XXXX COUNTY, XXXX . ( attached ) to hopefully not have my right to due process of the law violated, my deceased wife 's character violated and my property and home stolen by these criminals, XXXX XXXX XXXX XXXX ( alleged Trustee ). XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ( original alleged lender ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and WELLS FARGO. I thank you for your help thus far. Please do n't let them get away with their crimes and disrespect to my beloved deceased wife.
Product: Debt collection

I have been in the process of correcting the wrong and the effects of identity theft on myself for over a year and a half. Because of this, I have been very diligent in reviewing my credit file on a weekly basis. I received an alert from a credit monitoring service that I had new negative account reporting. Sure enough, theses accounts are reporting XXXX  XXXX-XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX  XXXX and these accounts are not mine. After further review of my credit file, I also found several inquiries that I did not authorize that were fraudulent as well. I have submitted a complaint to the FTC and have a report of this.
Product: Mortgage

Date XX/XX/XXXX On XX/XX/XXXX, we took a second loan out on our home from XXXX. XXXX created a Deed of Trust which was recorded on XX/XX/XXXX with the XXXX. Per documentation, we were paying XXXX, and then we started to pay Bayview XXXX XXXX for this loan. On XX/XX/XXXX, Bayview Loan Servicing recorded a Substitution of Trustee and Full Reconveyance with the XXXX This document states ; the undersigned does hereby affirm that this document submitted for recording does not contain personal information about any person. Mortgage Electronic Registration Systems INC as nominee for XXXX XXXX, it 's successors and Assigns is the present Beneficiary of that certain Deed of Trust dated XX/XX/XXXX made by XXXX and XXXX XXXX, husband and wife as joint tenants as XXXX with XXXX as trustee for the benefit of XXXX as original Beneficiary which said Deed of Trust was recorded on XX/XX/XXXX. Wherein said present Beneficiary hereby substitute Bayview Loan Servicing XXXX as trustee of the named trustee under said Deed of Trust. 
We request that Bayview Loan Servicing LLC answer our questions below in writing and provide documentation. 
First, per these documents, Bayview Loan Servicing was not the lender of our mortgage, is this correct? 
Second, even though XXXX was the nominee for XXXX, was XXXX still the investor of our mortgage loan? 
Third, who did Bayview Loan Servicing pay our monthly mortgage payments too, for how much and what were the dates when payments were made? Please provide documentation! 
XXXX, if XXXX sold this note to another investor, please provide an assignment of Deed of Trust that proves that XXXX sold it, on what day and too whom!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App ( 1 ) failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was exposed in several data breaches, bank & credit was compromised, resulting in accounts being closed. All documents were sent via certified mail to the credit bureaus to request items be deleted from credit reports. As of yet, I have not received a response from documents dated XX/XX/2021.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Reported XX/XX/XXXX Amount {$6800.00} Reporting charge-off and late payments XX/XX/XXXX ( XXXX days late )
Product: Credit reporting, credit repair services, or other personal consumer reports

The following multiple entries on student loans were reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA ..Credit Bureaus could not give me concrete explanation as to why they wont delete it..Please step up CFPB and delete XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I received a loan from ONE MAIN FINANCIAL. They charged me outrageous fees and keep a continuous {$2.00} balance in my account and report me to credit bureau monthly although I paid in excess of 200 % of the original loan amount.
Product: Student loan

I am currently in the process of working with XXXX on lowering my monthly student loan payments from loaner Nelnet. We have sent them the ICR form 4 times and Nelnet is giving us a higher number than what XXXX has calculated each time. XXXX suggested that I reached out to CFPB and file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Transunion for information on a deleted collection and they said that they do not have the information. I filed a dispute around XX/XX/XXXX for a collection and included police reports for identity theft. The item was deleted on XXXX XXXX, XXXX. The same item deleted was reinserted on XX/XX/XXXX, approximately 44 days after being deleted. TransUnion never sent me a letter informing me of the reinsertation. TransUnion then lowered my FICO score by 121 points. I disputed the collection a second time and it was deleted XX/XX/XXXX. The collection amount in dispute was approximately {$600.00}. 
The dates are approximate since after several phone request, TransUnion representatives keep telling me they no longer have the information available to furnish me. 1 ) Why would they allow a reinsertation 44 days after the deletion. 2 ) Why did they not send me a letter informing of the reinsertation. 3 ) Why did they lower my FICO score for the reinsertation that was reported beyond the response time for the deletion. 4 ) Why did I not get my points back onto my FICO score that they took after the second deletion, when they should have never allowed the information to be reinserted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX are reporting me as 30 to 60 days past due on the XXXX account that has a {$0.00} balance and {$0.00} past due. This is harming my score and disqualifying me for a loan. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
Product: Credit reporting or other personal consumer reports

This company flagship credit acceptance keeps reporting this inaccurate and account not mine in my credit report!!!! They keep removing when u dispute then adding it back. Needs to be removed permanently
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Mortgage

In XX/XX/XXXX, I thought I was selling my house on XXXX XXXX and I requested my XXXX installment of my taxes ( Due XXXX XXXX ) be paid early, so I would have less cash to bring to closing as my house is still underwater. Instead, as I found out later, CCO mortgage put a hold on my escrow so the taxes would not be paid. My closing date was changed then finally canceled as the sale fell through. On XXXX XXXX, I spoke to XXXX people at CCO mortgage trying to find out why my taxes were not paid. The XXXX person I spoke to in the tax and escrow department, told me there was a hold on the escrow. The XXXX person in customer service dept. said the hold on the escrow had been canceled on XXXX XXXX. The XXXX person I spoke with in the tax and escrow dept said CCO could not pay the taxes for 15 days ( XXXX XXXX which would have been late ). The last thing I said to her was " forget it, I will pay it online ''. That night I paid my taxes on line, so I would n't be late. Then 5 days later they sent a check, after I was told it would take 15 days. I am extremely angry at that the incompetence of everyone I have spoken to or emailed at CCO mortgage. 1 ) my request for the taxes to be paid early, was ignored. 2 ) instead of paying the taxes early, they put a hold on my escrow against my wishes. 3 ) The XXXX person in the escrow dept and the XXXX person in the customer service dept told me XXXX conflicting statements about the hold on the escrow. 4 ) the XXXX person in the escrow dept told me it was impossible for the taxes to be paid on time, because it would take 15 days to pay it, which was wrong. 5 ) I told the XXXX person in the escrow dept I would pay it on line. Then 5 days later they paid it. 6 ) Now they tell me I have to go get my money back from the county after when their check has n't even cleared yet. I have never in my life dealt with such incompetence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the immediate removal of the following accounts and information from my consumer report. It is imperative that the listed accounts and information should not be reported, as their inclusion violates the FDCPA and FCRA regulations. I kindly ask you to take prompt action to delete and remove these accounts and information from my consumer report to ensure compliance with the relevant laws. Your urgent attention to this matter is greatly appreciated. Thank you.
Product: Bank account or service

I opened an account with keybank under a promotion after reading the wording on the promotion of had questions so I call the bank to get clarification on the promotion. Asking questions about it my question was can I deposit the XXXX dollars in split payments of XXXX each payment representative states yes as long as it is done with in the time frame I reiterate that I am splitting it representative states of will be fine. I call an double check on progress and every rep indicates I am on course just need the time frame to expire. Once it is time to pay me XXXX they state I do n't meet the criteria I explained I double checked on this and was told by there employees I was okay to deposit the money the way I did. Had to call the executive officer where I had to call them back several times to get told they can not pull the calls so they asked an employee to recite the promotion so due to that you 're investigation was over and I will not get the money. I explained I should not be penalized due to there employees telling me wrong. They said it is in writing I explained yes I know that and did not complete understand it so called to clarify and was told wrong or this would have been done correctly and I would have gotten the money promised.
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.
Product: Credit reporting or other personal consumer reports

The company XXXX XXXX shared my nonprivate information to XXXX parties without my knowledge or consent. XXXX is in violation of the Family and Educational Rights and Privacy Act ( Ferpa ) 20 USC 1232g ( b )
Product: Money transfer, virtual currency, or money service

I have my coinbase account being link with my XXXX XXXX account. On XXXX XXXX XXXX. They transfered {$8000.00} from XXXX XXXX to coinbase then they sold all my crypto and they added an other wells fargo account to my coinbase to transfer over XXXX dollars. I m very concern about my both account and get my money back
Product: Mortgage

I submitted an application to XXXX on XX/XX/2018 regarding assistance with the foreclosure on my home. I confirmed with the lender on XX/XX/2018 my application was received and they requested a hardship letter which I sent in. When calling XXXX today, XX/XX/2018, I was told the documents are received however they can not postpone the trustee sale because the attorneys will not postpone it if documents are not received at least 14 days before the sale date. No one ever told me this information when I spoke with XXXX and they told me to submit the documents which I did. Now, 2 days before my sale date I am told " too bad, too late ''. I called the trustee and they are telling me the sale is active and that the lender is the one who authorizes the postponement, so now I am being told different stories and even more stressed out. XXXX has my application, they should be aware of the HBOR laws and postpone the foreclosure sale while I am in an active loan modification review. I have been been assigned a single point of contact and they have never reached out to me, which are violations of the HBOR set in place for homeowners like myself!
Product: Checking or savings account

I have received a letter from chase bank yesterday saturday XX/XX/XXXX with a debit card with my name on it with someone had opened a checking account with my name and address that I didnt open.