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

In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX XXXXXXXX, DEPTEDXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX  XXXX, US DEPT ED XXXX, US DEPT ED XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXXXXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested for the method of verification and proof on the accounts that were reflecting on my credit reports that were incorrect and erroneous but no proof and response provided.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$8400.00} - late/Open
Product: Money transfer, virtual currency, or money service

I have an account with Coinbase ( CB ) where I own XXXX XXXX cryptos valued at nearly {$XXXX}. On XX/XX/2021, at XXXX central time, I noticed that my XXXX XXXX were sold and the cash money were transferred to some account that I am not familiar with. Also they tried to transfer {$2000.00} from my XXXX to CB account. I contacted CB immediately and filed a complaint ticket ( Case # XXXX ). ( they do not have live support ). 


My account was locked and I had never heard from them since. 
CB has a policy that when someone initiate a cash withdrawal, it would take 1-5 days before the fund are fully transferred to the bank account. So CB has plenty of time to stop the fraud transaction since I informed them immediately. 

I use 2fa authentication security login and there is no evidence that my personal PC or phone were hacked.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove the attached XXXX XXXX credit pull from all three of my credit bureau reports. As you can see in the attached document, XXXX XXXX was not authorized to pull my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  is incorrectly reporting information on the following two accounts : Account # XXXX Original Creditor : XXXX XXXX XXXX Balance : {$410.00} Original Balance : {$500.00} Account # XXXX Original Creditor : XXXX XXXX XXXX Balance {$330.00} Original Balance {$330.00} I mailed EXPERIAN a letter on XX/XX/XXXX. In the letter, I explained that I had been living in XXXX since XX/XX/XXXX and just returned to live in the USA in XX/XX/XXXX. Previously, I had only returned to the USA in XX/XX/XXXX, for business purposes. 

I included copies of my US Passport with my XXXX XXXX. They show every entry and exit out of XXXX. 

The letter further states that I never opened nor authorized any of the above accounts to be opened. I enclosed the copies of my passport XXXX  pages which supported my position and asked the company to reinvestigate the matters and to delete the disputed information. 

In addition to providing the inforamtion to EXPERIAN, I called XXXX XXXX XXXX XXXX, around XX/XX/XXXX. I explained that I sent my XXXX  and proof that I was living overseas and did not open the accounts. 

I have recently purchased a new truck and my interest is much higher due to the negative credit reporting provided by XXXX XXXX XXXX XXXX. Their inaction to address incorrect informaiton has resulted in financial harm and damage by requiring me to pay a much higher interest rate. The policies and practices employed by this company are contrary to Fair Credit Reporting Act ( FCRA ) laws and they should be reprimanded for the financial harm they have caused to myself and to many others. 

if this is not resolved, my next course of action will be to hire an attorney to sue them for the financial damages which have resulted from their noncompliance with FCRA laws. I hope that I do not have to waste time and money with this approach and hope that your office can assist in remedying this situation as well as place a note in their file indicating that their business does not comply with the Fair Credit Reporting Act laws. They are likely causing financial harm to many customers by their intentional inaction. 

I look forward to help from your agency with this matter. 

Very Respectfully, XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX, a thief got into my email and directed a client XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX who owed my company {$25000.00} to wire the funds to : Truist Bank account name : XXXX XXXX XXXX XXXX, the correct name of my company Account Number : XXXX Wiring routing number:XXXX Bank Name : Truist Bank Beneficiary address : XXXXXXXX XXXX XXXX XXXX  XXXX NC XXXX Bank address : XXXX XXXX XXXX XXXX XXXX NC XXXX Truist Bank accepted the money sent to XXXX XXXX XXXX XXXX , I have no accounts with the bank, and when I discovered the fraud in XX/XX/XXXX I contacted the bank, its fraud division and was told : I do not have an account with them, the money came from XXXX XXXX  and they have to report the theft. 

XXXX XXXX did report the theft to Truist and also reported it to the XXXX Police Department. Truist would not return the money to XXXX XXXX who sent the {$25000.00} to XXXX XXXX XXXX XXXX. They would not provide either XXXX or XXXX XXXX, XXXX with any information. As a result it was turned over to the my local police department in XXXX who stated that it wasn't my money stolen and the sender XXXX needed to handle the issue, They did by reporting the theft to their local police department. 

XXXX XXXX XXXXXXXX # XXXX investigated the fraud beginning XX/XX/XXXX stating : Email account hacked and check for {$25000.00} was intercepted & cashed by an unknown party. The case is currently under investigation by XXXX XXXX XXXX, he can be reached at XXXX XXXX XXXX. 

The ower of XXXX XXXX was going to put in an insurance claim, then I was told that if XXXX received the money back, that I'd be subrogated. I just learned of this last month. 

The way they got around both XXXX XXXX and me is this : they got into my email account somehow, saw that a check was to be sent to XXXX XXXXXXXX XXXX XXXX and directed XXXX to send wire the money. They then would immediately delete the email. Note : My lap top was broken and needed to be replaced. XXXX XXXX in XXXX Florida handled the purchase of the new lap top and did the data transfer. 

XXXX XXXX email was recreated with XXXX, I did not recognize the diffrerence. I wrote XXXX several times asking for the check, the response came from XXXX, I didn't pick up the difference. 

No one is going after the theif who set up an account in my company 's name, I can not get the bank to provide any information, and XXXX has turned it over to the local police who said they will not go to NC to find the culprits. I was told this XX/XX/XXXX by XXXX XXXX. 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Each payment from my bank is Not being credited to my account. I make a payment for XXXX they tell me I still owe XXXX making me owe more payments. They said I owe XXXX to be paid off then say I owe XXXX to be paid off. I ask how many more payments I have out my XXXX payment contract they say XXXX payments. How is that XXXX when my payments XXXX a month. They are trying to keep my in a loan I have paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX Balance {$910.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX  XXXX Balance {$1600.00} ; XXXX, XXXX. XXXX  Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/2021 ; XXXX Inquired on XX/XX/2021 ; XXXX XXXX, XXXX XXXX  Inquired on XX/XX/2021.
Product: Mortgage

I was sick in XX/XX/2023. I had XXXX XXXX & requested for Forbearance from Fannie Mae via PNC Mortgage, Loan Servicer, but unfortunately, PNC Mortgage didn't forward me the rejection Fannie Mae, the Investor of my Loan. I have Doctor 's Letter to support my statement & can be shared, if requested. It's very unfortunate that PNC Mortgage is Possibly violating Cares Act & may also involved in Possible Discrimination. I strongly believe that PNC Mortgage is behaving this with me because I am a XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
I want CFPB to take action against PNC Mortgage for harassing XXXX XXXX XXXX & XXXX & not proving requested relief as per the Cares Act & start an investigation by Department of Justice for possible Discrimination & possible violation of Cares Act.
Product: Checking or savings account

This complaint is against Wells Fargo Bank. Due to a XXXX XXXX XXXX XXXX XXXX XXXX, I have been experiencing Identity Theft since XXXX XXXX. Hacked checking and savings accounts, Fraudulent Credit Cards and loans etc., have all been a part of this ordeal. Wells Fargo has by far, been the most difficult bank to work with. 
This complaint will focus on the fact that Wells Fargo states that as part of their investigation, they have determined that I opened a Flex Loan Account, and I have a {$390.00} balance, and I owe them {$390.00}. 
Wells Fargo based their determination on the following : 1 ) This account was opened on XXXX XXXX XXXX online. 
My response of course it was opened online as this is the usual course of action of identity thieves. 
2 ) Payments were made from my Wells Fargo account. 
My response : And the identity thieves also opened ( XXXX ) XXXX XXXX accounts in my name, and made payments from my Wells Fargo checking account with the goal of getting higher credit limits. When their fraudulently received monies end, and their max credit limit is reached, they then cease payments. 
3 ) Funds Disbursement were deposited in my solely owned W. Fargo checking account. 
My response : Yes the identity thieves had completely taken over my WF checking account for a lengthy period of time. While these identity thieves totally maintained my W.Fargo account, Wells Fargo treated me as if I was the identity thief. Wells Fargo was no help to me whatsoever. Countless calls, Emails, letters, ID verifications, etc., I still received no help as Wells Fargo totally shut me out of my accounts. 
Once again, this is why Wells Fargo has been voted the most hated bank in America, on many online surveys. I have consistently utilized the services of many government and private identity theft agencies- including but not limited to XXXX XXXX XXXXXXXX XXXX all in my attempts to recover from this life-altering Identity Theft experience, which I have experienced due to a XXXX XXXX Data Breach by no fault of my own!!
Product: Debt collection

Old debt from XXXX, that I acknowledge with Capital One. Made arrangements to pay collection attorney. After several payments on XXXX XXXX XXXX web portal to pay were made. I started receiving letters that payments were declined. This was impossible since I paid from my personal checking account that had funds to cover bills specifically. Called several times, nothing. Pretty much told it was my fault. I called XXXX XXXX XXXX  to confirm that it wasn't a problem on my end. They confirmed their was no history on the dates I made payments on XXXX portal even though I had a receipt. Meanwhile the balance is remaining large. They sent settlement letters with higher amounts. I retained a lawyer in hopes of agreeing to a reasonable amount I can afford and was basically told No. I am able to pay no more than {$600.00}, and consider paid in full. With the expectation of updating to this status with ALL 3 credit bureaus. As well as receive documentation of this arrangement. Paid in full at no more than {$600.00}.
Product: Student loan

I have had my loan for 11 years and somehow still owe XXXX more than what was distributed ... I 'm currently on a payment plan and keep getting noticed that I 'm behind this is out of control
Product: Mortgage

I sold an estate home on XX/XX/XXXX, 2024. XXXX XXXX Mortgage sold the mortgage as of XX/XX/XXXX2024. With that they transferred the Escrow money and an overpayment. I received a letter dated XX/XX/XXXX2024 at my home address. I called and confirmed that this was the payout amount. I was told by the title company that this had to be paid out 30 days following the closing that was confirmed by a XXXX. I found a deed release letter by accident that was addressed to her divorced  husband at the old address. The mail was still being delivered at the address that was sold that is how I found this letter. When I noticed the wrong deed was released I called in early XXXX with no help stating that I was not on the account I asked why they couldn't or didn't get the personal representative documents with the loan and they said I needed to be recertified. I called on XX/XX/XXXX and was told to email in a copy of my ID and my personal representative letter so they can talk to me. What triggered this call was the escrow check was sitting at a vacant property and made out to her and her divorced husband. I received no feedback after I was told I would receive a response in 3 days. I sent XXXX follow up emails with no response. I called again on XX/XX/XXXX and actually had a helpful rep and she gave me a list of additional documents to submit. With it being a Friday before a holiday I just submitted them on XXXX. On XXXX I received an email that they wanted my mom to write a letter giving me permission to access the account with a reason and a signature. If I had questions they told me to reach out to customer service. I called customer service and tried to explain that a dead person can not complete this request. She proceeded to tell me that there was another owner and I tried to explain to her there was not but she would not accept a signed letter of testamentary from the court appointing me as her personal representative. She told me that was not a valid document. I can not get them to verify me as her personal representative nor can I get them to fix the deed issue because I can't get past step XXXX. Also I need them to correct the check and write it to her estate to be distributed correctly like the rest of the proceeds of the home.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, Account # XXXX, Account # XXXX, XXXX XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX Account # - XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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
Product: Debt collection

SIRS CONSUMER FINANCIAL PROTECTION OFFICE Collection company scam : XXXX XXXX XXXX GC SERVICES I am addressing you with all due respect in order to report a fact by which I have been surprised by the GC Services Limited Partnership My person bought a XXXX car to work, which had been paying on time. Unfortunately due to the pandemic, and the death of my husband, I could not continue paying the debt ; which is why I delivered the car to the same XXXX XXXX. They later sold the car they had been buying, leaving a difference of {$12000.00}. 

XXXX sent the debt to the company GC Services Limited Partnership, who sent me offers to help finish my payments, the first offer being {$8500.00}, ( XX/XX/XXXX ) then another offer lowering the price to {$6700.00}, ( XX/XX/XXXX ) reaching a final verbal agreement of {$5100.00} ( XX/XX/XXXX ) as long as he pays the amount of {$2000.00} dollars as a down payment, nine payments of {$280.00} and a last payment of {$270.00}. An agreement signed by the company GC Services Limited Partnership is attached. 

Unfortunately, while I was complying with sending the {$2000.00} down payment and the monthly payments of {$280.00}, I realized that in their letters they placed in their sums that I still owed the amount of {$10000.00}, without respecting the agreement of lower with my initial and monthly payments, the amount of {$5100.00}. 

Wanting to talk many times with the Managers, they always told me they were busy, at the same time I told them to correct the amounts of the sums. Not receiving responses, I faxed the two Managers who sent me these letters without receiving a response to date, which is why I called my bank to stop making the following payments, and I was going to report the fact to the FTC because were not fulfilling the agreement. ( Attached Letters Currently they have sent another company called XXXX XXXX XXXX, so that now they are the ones who continue to charge me the amount of {$10000.00}, forgetting my payments that to date are only {$2200.00}, under the pretext that I stopped the payment. 

This companies have been totally surprised to me gentlemen of the FTC, which is why, I request that you help me to report this fact because I NEVER STOP RESPECTING THE AGREEMENT WAS GC. They were Services Limited Partnership, which defaulted ; in addition to sharing personal and private information as well as my credit card. 
These companies are a FRAUD, because they only took my money and now they do not respect the agreed balance. I Attached letters of the agreement of XXXX ; signed by them ; of which I have been paying {$2800.00}, leaving a final balance of {$2200.00} that I have wanted to pay, but these companies do not want to respect or lower the amount that I have been paying for the debt. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX  XXXX Balance : {$1300.00} CXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}