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

We filed a BK back in XXXX or XXXX and did NOT have our 1st or our 2nd mortgages included in the BK. The lawyer never sent us anything to let us know that we were going to re-affirm our mortgages, stay in the house and keep our payments on time, which we have. NEITHER Ocwen Mtg Ln # XXXX or XXXX XXXX ending in XXXX have been reporting our payments as being on time since then. Our credit scores have suffered because of this and prevented us from getting the lower interest rates on car loans, credit cards, etc. We did some research on the Lawyer and found out that he got his licensed suspended at the time because of numerous complaints.
Product: Money transfer, virtual currency, or money service

I sent a complaint in XX/XX/2023 ( COMPLAINT ID XXXX ) about the same issue. 
Trust Wallet deliberately lied to an official organisation CFPB ). 
1- I contact Trust Wallet more than one time and they NEVER replied to me. Neither a human nor a robot.

2- I did not grant accs to my account to anyone using a link or malicious application. Otherwise, please provide a proof of it. 

Trust Wallet is or have been victim of a data breach and doesnt report it publicly as they must. 
Trust Wallet is not officially registered in MA where I so they are sure that users can not sue them. 

On their website Trust Wallet describe itself as the most trusted & secure crypto walletand Keep your crypto safe from hackers & scammers. 

I did report Trust Wallet to the FBI, to the Massachusetts Attorney General and other official organization. I have also reached a lawyer for my case. 

I have lost a total of about {$1400.00} for no reason and I am not responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to COVID-19, I had experienced an unexpected financial hardship. On XX/XX/2020, I contacted XXXX customer service and was assisted by a rep by the name of, XXXX. I advised the rep of my financial hardship due to COVID-19 an asked if XXXX could notify the credit reporting agencies of my hardship instead of reporting me as delinquent ( I was advised I was 61 days past due ), which would cause substantial financial harm to and would lead to me paying higher interest rates, not being approved for loans and potentially being denied for employment ). XXXX advised me to contact the credit reporting agencies directly, which is deceptive. Per 1022.43 ( a ) ( 4 ) - Direct disputes, the furnisher is required to conduct a reasonable investigation of a direct dispute. I have had an excellent payment history for the previous 33 months without any issues. As required by 12 CFR Part 1022 - Fair Credit Reporting ( Regulation V ), I ask that XXXX update my status with the credit reporting agencies due to the COVID-19 to avoid harming my due to circumstances outside of my control.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that I had a fraudulent account on it. Please remove these accounts from my report ; they are hurting my ability to obtain credit.
Product: Checking or savings account

XX/XX/year> No amount I need an explanation from them why I can not open a savings or checking account. I've been trying to open one for years. Yet they keep stonewalling me. When I fill out an application, then all of sudden there's a problem with the server. They always come up with a convenient excuse to deny my application. I do have a credit card account. They have all of my personal information. What more do I need to open a checking account? I supplied the same info when I opened my credit account, no problem. What's the issue here. Any explanation from them needs to be clear and concise. No banking doubletalk.
Product: Credit reporting or other personal consumer reports

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

In accordance with the Fair Credit Reporting Act, TransUnion, XXXX and XXXX have violating my rights by publishing inaccurate information about me and my account with XXXX XXXX XXXX XXXX. 

I was one of the thousands of consumers affected by XXXX XXXX XXXX XXXX deceptive business practices. I made my payments on time and XXXX XXXX intentionally altered, delayed the payments so they would appear late. I disputed and complained many times to the credit bureau the inaccurate XXXX XXXX XXXX XXXX information in my credit file but I am continuously ignored. 

Can you help me? 

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

I received a letter from XXXX XXXX XXXX dated XX/XX/2020. The letter was confirming the approval of a forbearance plan from XX/XX/2020 through XX/XX/2020. My loan with XXXX was current prior to the forbearance approval. During the time of the forbearance period, they transferred my mortgage to XXXX XXXX on XX/XX/2020. At the time of the transfer, XXXX reported the account as delinquent/late 30 days or more to Transunion and XXXX  on XX/XX/2020 even though I was already on forbearance. The account was never delinquent. I've called and emailed them many times for resolution but no one will assist me.
Product: Money transfer, virtual currency, or money service

My bank ( XXXX XXXX XXXX ) sent a SEPA payment of XXXX Euros to Coinbase on XX/XX/XXXX and one SEPA payment of XXXX Euros on XX/XX/XXXX. Coinbase stated that the name of my coinbase account was not the same as my bank account so said they would return the funds. They said these funds will be returned back to the sending bank within 1-2 business days. 
My bank advised me that these funds have not been returned. After providing Coinbase with additional payment details to make a SWIFT Payment on XX/XX/XXXX, may bank still stated they have received the funds. 
On XX/XX/XXXX, I received an email from XXXX at Coinbase to say that payment have been reversed. Again my bank has no evidence that these funds have returned. 
On XX/XX/XXXX, I had further discussions with my bank. They stated Coinbase need to provide the XXXX of the returned payment to they can investigate the payment from our end to try to locate it and get it returned. 
I have had no response from Coinbase since XX/XX/XXXXCoinbase case ID 's are XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX XXXX. I am filing this complaint completely for my self. I have not received any assistance in filing this complaint. My consumer report has violations that have caused me and my family harm. XXXX ( Account # XXXX ) is in direct violation of 15 USC 168s-2 ( a ) ( 1 ) ( E ) ( ii ) The amounts {$3300.00} ; {$3500.00} ; {$6500.00} ; {$5300.00} of this loan have competed the rehabilitation process. Delete now.
Product: Credit reporting or other personal consumer reports

Dear XXXX or Equifax This XXXXs Information on my consumer report that is a result of fraudulent activity. I want to remove fraudulent hard inquiries from credit report : I was shopping for a car, they just asked for my driver license and social security number to see what I can be pre-approved for, I can not recall I did if I did a hard inquiry, I did not provide written permission or instructions for the identified inquiries to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to request to block the identified inquiries. The identified inquiries are not information related to any transaction made by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX
Product: Checking or savings account

I wrote to bank to ask if an old account was still open. Bank will not respond.
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report with no explanation as to how they appeared. I regularly check my report, and everything was normal before. I tried refreshing my browser, thinking it might be an error, but the entries remained. I urge you to carefully examine the documents I sent so I can put this issue to rest.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1500.00}, {$8000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX  NA with ACCT # XXXXXXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account.

-- AUTO ACCOUNT -- 2. XXXX XXXX XXXX XXXX  with ACCT # XXXXXXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

This loan was paid as agreed and paid off with additional late fees that were disputed by myself but I felt forced to pay due to XXXX XXXX requesting i pay the end part of my loan on full and included the XXXX dollars in fees. I was in the hospital for last XXXX months and i still managed to pay off this acct as agreed as reflected on my report with all current payments. When explained and the response to the incorrect reporting was insensitive on XXXX XXXX  part and this should discourage people from doing business with this company due to improper handling of situations concerning their long time customers.
Product: Credit reporting or other personal consumer reports

This is to inform you that I am disappointed to see that your company is still reporting inaccurate and misleading information on my credit report. I have been sending out dispute letters for months now to get these deleted and removed from my credit report but nothing has been done on your part to get them deleted and removed. This is frustrating because your company is not following the guidelines regulated to you by the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding a late payment account that has appeared on my credit report. Despite my efforts to rectify this situation with the credit reporting agencies and the creditors, the issue has not been resolved satisfactorily. I recently reviewed my credit report and was shocked to find that there was an account listed as having late payments that I have never actually missed. The account in question is XXXX  XXXX. I want to emphasize that I have always been diligent in making timely payments for all my financial obligations. I have never been late on any payments.
Product: Checking or savings account

I opened a Checking account with M & T on XX/XX/2024. 
I tried to transfer an amount of {$1000.00} to my M & T checking account on XX/XX/2024. 
On XX/XX/XXXX, my account was locked. I called consumer services and they asked me to go to a branch to solve the issue. 
On XX/XX/XXXX, I went to the branch and the banker tried to solve the issue, and I provided all the documents they wanted, but he could do nothing. 
The amount of {$1000.00} was returned to my original account on XX/XX/2024. 
In the week of XX/XX/XXXX, I called online consumer services but they couldn't solve the issue. 
The same week, I called the banker in a branch to close my account. The banker told me that he would try. The banker tried his best to help me but it just the bank created a lot of issues.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Late Payment Info Dear XXXX, I am writing to formally dispute the late payment ( s ) reported on my credit file for [ Creditor Name ] under account number [ Your Account Number ]. According to the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate, complete, and verifiable. After reviewing my credit report, I found late payments listed for [ Month ( s ) /Year ( s ) ] that are incorrect.

I have never made a late payment on this account, and I am requesting that you investigate and remove these inaccuracies. I have attached supporting documents, including [ bank statements, payment confirmations, or other relevant proof ], which confirm my timely payments.

Please conduct a thorough investigation and correct this erroneous information within the 30-day timeframe specified by the FCRA. If you find that the creditor can not verify the accuracy of the reported late payments, I request that they be removed from my credit file immediately. 

I appreciate your prompt attention to this matter and look forward to receiving confirmation of the correction. Please provide me with a written response regarding your findings at your earliest convenience. 

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

On XX/XX/2021 I sent a validation letter to XXXX, XXXX, and XXXX regarding some inaccuracies that are reporting in my credit report ( attached below ). I exercise my right to request all three bureaus to provide me with verifiable proof that the negative items reporting on the accounts listed below belong to me or they have to remove those immediately. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through physical verification of the alleged original signed consumer contract to prove those accounts belong to me and that whatever they report on my credit report has to be 100 % accurate. 

On XX/XX/XXXX, I received a letter back from XXXX stated that they verified those accounts as accurate which is false and misleading which is a violation of my consumer rights. How can they verify it to be accurate if you can see the invalid inconsistencies in plain site ( shown below ) As for XXXX and XXXX it's been well over 30 days and I never received any investigation results In regards to the late payments that were reported, that is 100 % false because I paid those accounts on time, but to my understanding late payments shouldn't even be reported due to the COVID Forbearance Act
Product: Checking or savings account

On XX/XX/2022, multiple withdrawals were made from my checking account XXXX for a total of {$3500.00} without me being aware and I did not make those withdrawals. Again on XX/XX/2022, another unauthorized withdrawal was made for {$500.00} without me being aware and I did not make this withdrawal, On XX/XX/2022, a counterfeit check was made to " XXXX XXXX XXXX '' for {$2000.00}. I did not know who " XXXX XXXX XXXX '' is and it was not my signature on the check. There was another unauthorized withdrawal on XX/XX/2022 for {$500.00} that was not done by me. Returned check # XXXX and # XXXX were also not written by me.
Product: Credit reporting or other personal consumer reports

I experienced a hardship during Covid/laid off and called XXXX XXXX to create an accommodation. As agreed, the account was paid, and the credit card company ensured there would be no late payments updated on my account as long as I adhered to the accommodation agreement. The account was paid as agreed on XX/XX/2023. I recently pulled a copy of my credit profile and realized there has been a series of late payments updated on my credit profile. I have contacted the CRA ( XXXX, Equifax, and XXXX ) requesting the information be updated as I have included all documentation. There has been no response or any due diligence to investigating this information on my behalf. These late payments are in violation of 15 USC 1666B with a billing error. Furnishing this information to my account is also in violation of 15 USC 1681. There should be no late payments listed on my account, this is not affecting my ability to obtain credit for my new home.
Product: Checking or savings account

HELLO MY CHECKING ACCOUNT IS RESTRICTED BECAUSE I MADE A DEPOSIT OF A CHECK FOR THE AMOUNT OF {$2000.00} ( XXXX ) THE CHECK WAS SENT TO MY MAILING ADDRESS AS A REFUND OF OVERPAYMENT OF A CREDIT CARD THAT IS CLOSED WITH ( XXXX ) THE CHECK IS LEGITIMATE AND THE FUNDS HAVE ALREADY BEEN PAID TO CAPITAL ONE, THE CHECK WAS NOT RETURNED AND YOU CAN NOW VALIDATE THAT THE FUNDS WERE PAID TO CAPITAL ONE, I WILL SEND PROOF OF XXXX REFUND XX/XX/scrub> XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

FCRA Violations not mine Not my credit card XXXX XXXX Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. {$5.00}, XXXX written off. 
Status updated XX/XX/XXXX Not mine XXXX XXXX XXXX XXXX  Account number XXXX Account type FHA Mortgage Responsibility - Date opened XX/XX/XXXX Status Transferred, closed. 
Status updated XXXX XXXX Balance never lived here XXXX XXXX XXXX XXXXXXXX XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX type Single family XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX type Single family XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX type XXXX family XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type not my phone number ( XXXX ) XXXX ( XXXX ) XXXX not my name XXXX XXXX XXXX XXXX XXXX not my inquiries XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I work in a XXXX XXXX XXXX and I am constantly getting calls after telling them to quit calling my work and me. 
I receive 2 calls on my cell phone and 2 calls at work in the morning and then 2 calls on my cell phone and 2 calls at work in the evening. That is a total of 8 calls  from the same company in the same day and this has happened for the past week.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts : XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # 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 an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the (, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Mortgage

The mortgage company can not find a payment I made in XX/XX/2021. They have charged me over 12 times for a property inspection of {$20.00} each occurrence. I have called and requested to speak with the department that is supposed to research payments. Ive requested to speak with supervisors. They will not allow me to speak with a customer service rep who will take notes and then say someone will call me back. I have never received a call back. I sent the bank information of the payment on XX/XX/2021. The mortgage company says they can not find the payment although I have sent the documentation showing the payment I have made.