23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Description of What Happened : Between XXXX XX/XX/year> - {$99.00}, XX/XX/year> - {$99.00}, XX/XX/year> - {$99.00}, XX/XX/year> - {$99.00}, XX/XX/year> - {$99.00}, XX/XX/year> - {$99.00}, XX/XX/year> - {$99.00}, XX/XX/year> - {$99.00}, XX/XX/year> - {$99.00}, XX/XX/year> - {$99.00}, XX/XX/year> - {$99.00}, XX/XX/year> - {$99.00}, XX/XX/year> - {$99.00}, XX/XX/year> - {$99.00}, XX/XX/year> - {$99.00}, XX/XX/year> - {$99.00}, XX/XX/year> - {$99.00}, XX/XX/year> - {$99.00}, and XX/XX/year> - $ XXXX XXXX XX/XX/year>, multiple transactions totaling {$3500.00} were processed through my XXXX XXXX account and transferred to a merchant named " XXXX. '' These transactions were made without my authorization or consent. I did not approve or initiate these transfers, and I had no knowledge of them until I noticed the funds missing from my account. 

After the transactions, the person who performed the unauthorized transfers contacted XXXX to resolve the matter. XXXX refused to unblock the account where the funds were sent and instead directed them to contact the bank to recover the funds. XXXX has not provided any explanation for withholding the funds or their refusal to unblock the account. They continue to hold {$800.00} in the account and have not accounted for the rest of the {$3500.00}. 

I contacted Wells Fargo on XX/XX/year> to dispute these transactions as unauthorized. I provided evidence, including : Transaction details and dates. 
Correspondence showing that XXXX refused to unblock the account and directed recovery efforts to the bank. 
Proof that the funds remain inaccessible and that the account remains blocked. 
Wells Fargo denied my claim, stating that the transactions were authorized because they were processed through XXXX XXXX. While the transactions were processed through XXXX XXXX, I did not approve or consent to them. They were made by someone else who accessed my account without my authorization. 

I am requesting a review of this matter, as these transactions were unauthorized, and the merchant has unlawfully withheld my funds. Wells Fargo has not conducted a thorough investigation of this claim, and the denial has caused significant financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per my XXXX credit report last checked on XX/XX/XXXX Confirmation # : XXXX there is an account that should not be on my credit report. I have tried 5 times in XX/XX/XXXX to remove a XXXX XXXX XXXX account from my credit as inaccurate information is being reported. I have found a major discrepancy and I have tried many times to correct the issue directly with XXXX XXXX XXXX and XXXX as well but have gotten no where with the issue. The date of first delinquency on this account is incorrect. Back in XX/XX/XXXX the car that I had financed at the time through XXXX XXXX XXXX was repossessed. For some reason they are reporting to XXXX that the date of first delinquency was on XX/XX/XXXX. It is impossible for a car to be repossessed by the bank if the consumer is not past due therefore the date of first delinquency is incorrect. The other inaccuracy I found was that the 81 Month Payment Chart does n't even match the date of first delinquency. For the 81 months shown on the payment chart it is full of NR ( Not Reported ) or CO ( Charge Off ). On the 81 Month Payment chart on XX/XX/XXXX which is the supposedly date of first delinquency Westlake Service reported NR ( Not Reported ). If I were delinquent on that date the 81 Month Payment chart should reflect a 30,60,90,120 etc showing some sort of proof that I was late. The information that they are reporting within itself does n't match. Let alone it is the incorrect date. If the account would be reported correctly with the correct date of first delinquency being XX/XX/XXXX when the car financed was repossessed the 7 years from that date would of been in XX/XX/XXXX meaning that this item would no longer even be on my credit report. Please review the details of this account carefully as you will find exactly what I am referring to and see that this account should be removed from my XXXX  report. I have made several attempts in the past few months to contact Westlake Services and the lawyer they hired to hand my case on their behalf and have not had any resolution from them. The lawyer that they had hired to handle my file was XXXX XXXX XXXX XXXX XXXX  located in XXXX, FL. That lawyer is no longer in business so I have no one to contact on their end. Everytime I call Westlake directly I try and speak with them but they say that they can not talk to me and someone from their special handling department will contact never does. Do not understand how I can communicate with them to have this issue resolved if there is no point of contact on their end. One last thing I would like to add is that XXXX and XXXX removed this account on their own as they had the correct information being reported at the time and automatically removed the account at the 7 years from the date of first delinquency. XXXX is the only bureau with the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. After Experian received my Identity Theft Report in XX/XX/XXXX, they accepted my report and they blocked this account. 

2. On XX/XX/XXXX I discovered that the account from XXXX XXXX XXXX was reinserted back into my credit report. The reinsertion was done without any notification to me. I sent a letter to Experian saying that they failed to notify me of the reinsertion, as required by the law. 

3. On XX/XX/XXXX, Experian responded to my letter sending me an email, saying that my letter is frivolous and they won't reinvestigate it. 

4. Since then, I sent 5 additional different letters, repeatedly begging, requesting and asking them to provide me with : a ) the description of the procedures that they used to verify that the debt showing on my report is not an identity theft, and the description of the procedures that were used where it shows that I obtained benefits, good, money, etc. 

b ) to reinvestigate and describe me how did they verify as accurate the balance of {$3300.00} that is showing for XX/XX/XXXX had dropped down to {$3300.00} in XX/XX/XXXX, knowing the fact that Experian verified as accurate that the last payment on this account was made on XX/XX/XXXX? How is this possible? 

c ) Then, the report also shows the same thing had happened for XX/XX/XXXX : the balance from {$3300.00} had dropped down to {$3300.00} in XX/XX/XXXX, while XXXX is missing. And again, Experian claims that they verified that the last payment was made on XX/XX/XXXX. How is this possible? 

5. In meantime, I contacted the Creditor directly myself, and in a good faith I offered to settle any financial obligation that I might owe, and that I am going to pay the amount in full when they send me a verification and proof of the claim. As of today, the Creditor have not sent me any verification or proof that I requested. 

6. I have attached copies of all letters sent since the reinsertion of this account back into my credit file, along with receipts from the U.S. Postal Service indicating the mailing date and the date they were received and signed byExperian and the Creditor, along with copies of all correspondence I have received fromthe bureau. 

Thank you very much for your help.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax, XXXX and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax, XXXX, and XXXX responds stating the report is accurate without providing any evidence of a thorough investigation. This violates the FCRA, 15 U.S.C. 1681i.

It may also contravene the CFPA 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ) as highlighted in CFPBs recent admin proceeding ( File # XXXX ) against them for similar violations. 
I request the CFPB take action to ensure Equifax, XXXX and XXXX complies with federal law and provides consumer with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

Someone has to report this - I was affected by a dark web data breach which I was alerted to with services by XXXX on XX/XX/2024. 
I proceeded with locking my credit at the XXXX Bs. 
Experian - XXXX XXXX with XXXX - No Issues.

Equifax- Went to their website and registered. Went to lock/freeze my credit and they say online they can not proceed - " Please give us a call ' XXXX. I called during normal business hours on Thursday XXXX XXXX XXXX. to discuss why i cant make the claim online and proceed by phone or recieve updates as to why they will not proceed online. 
The phone prompts lead you to choose the freeze option and collects all personal data they need to proceed with speaking with you. 
The phone prompt tells you they can not complete your request at this time and disconnects the phone user with no call back / further way to reach out - I am emailing a complaint hotline I found outside thier website as there are no chat functions or other ways for me to reach out to this department. 
Please assist/ get Equifax to update their phone prompts/ and/or create better practices on the website for users to reach out.
Product: Credit reporting, credit repair services, or other personal consumer reports

It started in XXXX. I have a twin brother and our credit files were mixed up. At the time, he was stationed in XXXX so we did not realize the mishap until after he returned in XXXX. 

The credit bureau is Equifax. Despite numerous phone calls, him and I both mailed our personal documents in, the issue has not been fixed. Between XXXX, we have both mailed in our documents on more than one occasion and when contacting Equifax, we are always told that our files can not be found. However, every year, Equifax somehow continues to update files that they cant locate. 
Just recently ( XX/XX/XXXX ), I resent my documents-this time certified mail and attempted to follow up this past week and was hung up on all six times that I called and all associates refused to give me an update. I wanted to make sure that my documents had been received as I understand the actual investigation takes thirty days. I even requested to speak to a supervisor, who also hung up. Pre-pandemic, I attempted to arrange an in person meeting as I live twenty minutes from Equifax headquarters, also refused and hung up on at that time as well. 

Currently, reported inaccurately is : XXXX XXXX XXXX XXXX : {$13000.00} XXXX XXXX XXXX : {$5000.00}, XXXX XXXX XXXX XXXX  : {$1900.00}, charge-off These are not my accounts. Equifax has also denied mailing verification for all accounts listed. 

I have attached the letter that was mailed to Equifax on XX/XX/XXXX. It was received and signed for on XX/XX/XXXX.
Product: Bank account or service

Citibank sent me a letter, dated XXXX XXXX, 2015, stating that they were unable to add the IRS as a payee in my checking account due to " customer service reasons ''. 
In their letter, Citibank stated that this policy was stated in their Bill Payment Users Agreement. 
I sent a letter to Citibank requesting them to point out in the Citibank Bill Payment Users Agreement where this policy was stated. 
I NEVER RECEIVED A RESPONSE.
Product: Credit reporting or other personal consumer reports

Dear To Whom may concern, I am writing this letter to you that I agree to pay any financial obligation which I might lawfully owe, ON THE CONDITION that you provide : XXXX. Validation of the debt that is the actual accounting. 
XXXX. Verification of their claim against you : that is, a signed Invoice. 
XXXX. A copy of the contract binding between me and you in a letter by certified mail. 
XXXX. Full disclosure because I was not told that I was creating the credit with my wet ink signature. 
XXXX. Equal consideration because you as the creditor brought nothing of value to the table. 
XXXX. Lawful Terms and Conditions. 
XXXX. Wet ink signatures between you and me. 

Reporting information you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below XXXX XXXX XXXX {$23000.00} XXXX XXXX  XXXX {$44000.00} XXXX XXXX XXXX XXXX {$9400.00} These credit accounts are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have twice disputed this account that appears in my credit which I am not the owner or responsible for the mentioned account. I need this to be removed as it is affecting my credit for me to continue uploading it. 

Account Name CAPITAL ONE Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Open. 
Status Updated XX/XX/XXXX Balance {$3500.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX   Monthly Payment {$140.00} Credit Limit {$3200.00} Highest Balance {$3500.00} Terms NA Payment History show tooltip button Tap a month for more information Show legend XX/XX/2019 XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 30 XX/XX/XXXX OK XX/XX/XXXX Historical Info First ReportedXX/XX/2019 Contact Info Phone Number ( XXXX ) XXXX AddressXXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Comment show tooltip button Account previously in dispute - investigation complete, reported by data furnisher Your Statement show tooltip button Y ITEM DISPUTED BY CONSUMER Reinvestigation Information This item was updated from our processing of your dispute in XX/XX/XXXX. 

Balance History show tooltip button XX/XX/XXXX {$3400.00} Balance {$130.00} Scheduled Payment {$0.00} Paid on XX/XX/XXXX
Product: Mortgage

Greetings, My complaint begins with a repeat offender of common finance laws, Fay Servicing who will be further in described as the Servicer. For 11 months the Servicer has been drafting my account for lender-placed insurance unnecessarily. This had gotten my attention in XX/XX/2023 when a call was made to the Servicer when it was discovered that there was lender-placed insurance being charged to the account. At that time the Servicer was asked to remove said insurance because there was insurance in place already. At that point it was confirmed by my insurance company that the Servicer was provided proof of my insurance and how commonplace it is to do so. An internal task by the Servicer could have been initiated at that point to verify but was not. Since then, a copy of the insurance declaration was sent by mail with payments in XXXX, XXXX, & XXXX of 2023. The payments were processed while the proof of insurance was ignored all three times. The drafting of my account for lender-placed insurance continued. While escrow only required {$500.00} charges of XXXX continued with a difference of {$710.00} being drafted for lender-placed insurance. This amount has been assessed and collected for 11 months totaling {$7900.00}. Everything humanly possible has been done to inform the Servicer of my insurance and has become materially abusive. Given many opportunities the Servicer has done nothing. I am requesting that this issue be resolved immediately without delay and the money returned. A court summons will be issued for XXXX Fay who is the beneficiary of said errors. Let this complaint be notice of what is to come. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX BALANCE {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I need to get off this CREDIT FREEZE SOME OF THE REPORTED CREDITS ON FILE ARE INACCURATE
Product: Debt collection

For a while now, Ive communicated with Portfolio stating that the accounts their company has placed on my credit reports does not belong to me. I, also requested validation, that is competent evidence bearing my signature and I have been largely ignored.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Medvetta Collection Service unlawfully re-aged my medical debt. 

Date of Service for medical appointment : XX/XX/XXXXXXXX  Medvetta Collection Service illegally reported that debt year XXXX
Product: Debt collection

XXXX XXXX is charging on an account I do n't have, I 've never had XXXX XXXX before. Apparently this service is in XXXX, Texas, I 'm already in collections for something I do n't have and never had. I called XXXX XXXX and they do n't have my last four numbers of my Social Security.
Product: Credit reporting or other personal consumer reports

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's XXXX that my credit file shows my real financial status for fair assessments by lenders.
Product: Credit reporting or other personal consumer reports

fraudulant address are being reporting on my current credit report, i have called XXXX  so many times and raised my concern and they will not listen to me at all!... i am extremly desperate to remove these fraudulant address off from my credit report! 
XXXXXXXX XXXX XXXX  XXXX XXXX XXXX ca XXXX this address needs to be removed as soon as possible
Product: Mortgage

I have a home loan with Caliber Home Loans. It is for my home in XXXX XXXX, LA. I currently live in XXXX, NC and was not able to sell my XXXX XXXX home for 11 months but then was able to rent it. 
I lost my job on XXXX. I contacted Caliber on XXXX XXXX. 

1. After receiving their Loan Modification package in the mail, emailed the entire package to them on on XXXX XXXX. 
2. I received a request for more documentation and submitted it on XXXX XXXX. 
3. I received a request for more documentation and submitted it on XXXX XXXX. 
4. I received a request for more documentation and submitted it on XXXX XXXX. 
5. I received a request for more documentation and submitted it on XXXX XXXX. 
6. I received a request for more documentation and submitted it on XXXX XXXX. 
7. I received a request for more documentation and submitted it on XXXX XXXX. 
8. I received a request for more documentation and submitted it on XXXX XXXX. They have 30 days for their underwriters to review the package. This request was about 27 days into the review. Their request was for the mortgage statement for my other home. 

The multiple submittals noted above have truly appeared to be a stall tactic on their part. I have also called their offices no less than 24 times, trying to get information. 

The last status I obtained was on XXXX XXXX, telling me that my application had been denied. I am still unemployed and actively looking for a new job. 

I would be happy to share all of the details, which I have maintained. 

As a side note, the other mortgage that I have with XXXX, had the loan modification completed on XXXX XXXX. They requested two submittals in total. I had contacted them the same day I contacted Caliber.
Product: Credit reporting or other personal consumer reports

Inaccurate address reported, Inaccurate names reported. Continuous validation of debt requested to include original debt owed, contract agreement, verification of identity on file, interest attached to debt, contractual agreement signatures by me. Proof of copy of Identification due to Identity theft, Inaccurate reporting with co loan without my consent. I requested these thing be mailed to me and upon Debt validation several times and advised I would discuss the debt being reported and possible resolution. They could not mail me anything for debt validation because they have no accurate new information on file. Please see your notice Last Mailed Certified XX/XX/2023 Todays date - Friday, XX/XX/XXXX, XXXX No response. Please remove from Experian, XXXX, and XXXX. The CFPBs debt collection rule requires debt collectors to provide you with certain information about your debt, known as validation information. Generally, this information is provided in a written notice sent as the initial communication to you or within XXXX days of their first communication with you, and it may be sent by mail or electronically. This information will help you recognize whether the debt is yours and, if not, how to dispute it. This notice generally must include : A statement that the communication is from a debt collector Your name and mailing information, along with the name and mailing information of the debt collector The name of the creditor you owe the debt to o It is possible that more than one creditor will be listed The account number associated with the debt ( if any ) An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date The current amount of the debt when the notice is provided Information you can use to reply to the debt collector, such as if you believe the debt is not yours or if the amount is wrong An end date for a 30-day period when you can dispute the debt.
Product: Credit reporting

Equifax illegally shared data with others, regardless of whether they put this in writing. Equifax backs up and made it look like my fault. However they share information that only they could have known. When we filed an application with XXXX XXXX XXXX XXXX I used my Middle Name first on the Application. Equifax illegally shared this information XXXX. How come the CFPB puts the fox in charge of the henhouse where the credit reporting companies are concerned. all files regarding the illegal sharing is attached if you are a consumer advocate do something
Product: Debt collection

I had an account with the XXXX XXXX XXXX and have always paid by personal check because I do not want automatic renewal. So they do not have my credit card on purpose. At the end of my last subscription I did not want to renew, so I didnt. They stoped delivering papers at the agreed upon end of the subscription date. I later received a letter from ARM Solutions which is a collection agency saying I owe {$34.00} for a paper I never signed up for and never received. So this collection was not for a product received, it was for a future payment that I never agreed to. We called the XXXX XXXX and confirmed that we never renewed so we didnt owe anything. Our account was apparently closed. But Im still receiving letters from the collection agency asking for the {$34.00}. If any damage has been done to my credit due to unjustified collection attempts, I will sure both the XXXX XXXX  and ARM.