23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is my THIRD request for information under Title 15 U.S.C. 1681i, FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) /FCRA 611 ( A ) ( 7 ), I submitted my initial request in response to my dispute via CFPB XXXX XXXX on XX/XX/XXXX and the basis of my dispute was that under FCRA 602 it states I have a right to privacy and FCRA 604 ( a ) ( 2 ) state a credit reporting agency can not furnish an account without my written instructions. Additionally, the Gramm -Leach -Blilley Act 6801 and 6802 are included along with FCRA 616 due to your non compliance if I am forced to include it. 

On XX/XX/XXXX I received a response from your agency which stated my dispute was verified/ updated, which made absolutely no sense to me because the basis of my dispute was hinged on my PRIVACY RIGHTS. I then submitted XXXX more requests under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) on XX/XX/XXXX and XXXXand this today is the THIRD, .I am AGAIN uploading my I.D . / Social Security information that I continue to send.

Unfortunately, your agency continues to request information that I have already sent to you via CFPB uploads and via XXXX regular mail XXXX times already. The requests for my I .D.

and Social Security # information I believe is nothing more that a STALL TACTIC!!

However, I am uploading it to you in this compliaint AGAIN.

I want this account removed from my credit report immediately. 

Trade : XXXX XXXX XXXX # XXXX. 

Equifax has failed to properly respond to my FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) /FCRA 611 ( A ) ( 7 ) requests repeatedly and I understand that because you failed to respond within XXXX  Days as required by LAW I could be able to recoup financial compensation for {$1000.00} for each violation you have committed in a court of LAW. 

Each request I requested the procedures used that led to my dispute being verified?

I requested the name ( s ) of who you spoke to along with their telephone numbers and addresses. I received NOTHING that remotely resembles what is required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) /FCRA 611 ( A ) ( 7 ).
Product: Credit reporting or other personal consumer reports

In XXXX a credit company XXXX offer credit to buy furniture and TV, furniture came wrong and was declined! Genius held the debt for 2 years and wrote off as tax loss and that company after many lawsuits renamed and closed prior business. Third party XXXX XXXX XXXX brought the debt for {$1.00} and continued to charge collections! The original credit was started in XXXX, it is now XXXX and after 5 disputes with Transunion, they still refuse to remove off my credit report till XX/XX/XXXX? Also bankruptcy discharge in XX/XX/XXXX is still on my report which also is over 7 years old? These item are stopping my family pursuit for our first home buy! Please help!
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I just looked over my Credit Report and noticed 2 accounts that do not belong to me. Those accounts are XXXX XXXX XXXX XXXXXXXX XXXX. I also noticed 3 hard inquires on my Credit Report that I never gave permission to pull my Credit Report. All accounts are included in my Identity Theft Report which is attached to this complaint.
Product: Mortgage

We recently tried to refinance with XXXX XXXX XXXX  on our home loan and was denied due to the current mortgage company. Ditech is our current mortgage company and was not the original company since we filed bankruptcy XXXX which did not include our primary mortgage. ( XXXX XXXX sold to GreenTree and then they merged to Ditech ). We 've never been behind on payments and yet Ditech has reported to the XXXX that we 've been behind from XXXX XXXX to XXXX XXXX however we never received notification of escrow increase until XX/XX/XXXX that from documentation we received however they are reporting they did send us escrow notification back in XX/XX/XXXX which we did not receive. Since this all came to light we made payment to bring the escrow current and now just received another escrow stating we are still short by XXXX dollars XXXX cents which after making the payment online and calling XXXX in their bankruptcy department found out that I was not able to make this payment online or over the phone was supposed to send w/coupon and there is no coupon on the paperwork that we received. Per XXXX she will have that money credit to our escrow account with Ditech. Now they are even decreasing our monthly payment per this document from XXXX to XXXX as of XX/XX/XXXX. Also we 've been discharged from  our chapter XXXX bankruptcy sinceXX/XX/XXXXyet they still have our mortgage under bankruptcy department so that we do not get monthly statements we have not gotten updates without struggling to get this information and the people that I 've had to deal with are very rude and unfriendly and I understand for a majority of people they deal with our losing their homes but I have not ever been in this position nor was there any intent on losing our home. Ditech is preventing us with these modification from refinancing and moving our loan away from them. I 've been told by other mortgage brokers Ditech is GreenTree and they are notorious for doing this and foreclosing on people. I need help getting my loan away from Ditech and/or keeping them on track of correcting these errors and collecting extra money my insurance and taxes have not increased that much over the twenty plus years I 've lived in my home.
Product: Credit reporting

I was denied online a copy of my credit report as they said they could not verify my identity ( I believe this is due to confusion with my son 's Texas address which appears to be reported as an address I have lived at [ I have not lived there ever ). I filled out their mail form as requested. I got back a response again asking me to verify my information with full name, SS #, complete addresses for the past 2 years, DOB, copy of driver 's license, and a copy of a recent utility bill. I responded again by using their required form, sending them a photocopy of my current Georgia drivers license, a photocopy of my social security card, a photocopy of my current electric bill, and on thier required form my addresses for the past 5 years, my SS #, full name, & DOB. As a response, I got back the SAME canned form asking for the same identification information again! 
What did they do with the photocopies of my drivers license, social security card, electric bill and other information? I provided each item on their list and checked it off, and even sent back the list with the required information to show I had provided it. I also stamped my current name and address on the front & back of each submitted item, so if it got separated it could be easily identified. What has happened to my information that I submitted to EXPERIAN? Why can they not get this corrected? I feel like I am in an infinite loop! My credit card was recently hacked and I need to see my report!
Product: Money transfer, virtual currency, or money service

This is an ongoing problem for users sending virtual currency to the company Coinbase ( " a digital currency exchange '' ). On XX/XX/20 I made a deposit to my Coinbase account which was confirmed completed at XXXX for a transaction of XXXX Ethereum to my Coinbase account which has a current market value today of approximately {$52000.00}. I have yet to receive the funds in my Coinbase account. After reaching out to there customer support team, they do not have live agents to speak to only automated email responses informing that they can not help me at this time as the transaction was performed on another network and they can not access it. This is not true as other exchanges ( Liquid ) have assisted their users in retrieving the funds for them. The funds are on their servers and they are not willing to assist in crediting or resending back the asset.
Product: Debt collection

I filed a Ch XXXX bankruptcy in XX/XX/2018 which included several accounts from Med 1 Solutions ( XXXX XXXX ).  The particular account # XXXX. I have disputed the account with XXXX and provided supporting documents showing the debt to XXXX showing it was included in the bankruptcy. XXXX contacted Med 1 and stated to me that this collection is valid. I sent Med 1 Solutions a copy of my bankruptcy document and they refuse to update my XXXX credit report showing included in the bankruptcy. It stills shows owed and not included in the Ch XXXX   bankruptcy. This has been going on for more than 6 months and at this point I do not know what else to do to rectify the situation. 

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

There is personal information on my credit report that needs to be removed from my credit report. According to the fair credit reporting act 15 U.S.C. 1681. I have the right to privacy. Also according to 15 U.S.C. 6802. No financial institution is not supposed to share my financial information to third party people. 

These are clear violations of my federally protected consumer rights. 

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

XXXX account # XXXX is in violation of 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 an account without my written instructions. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- The Fair Credit Reporting act, Section 609 ( a ) ( 1 ) ( A ) states that I am entitled to the source of this information which is the original contract with my signature on it. If you are unable to verify the account with the original contract the information should be removed from my credit profile and credit report within 30 days
Product: Mortgage

I applied for a refinance with my existing lender Mr. Cooper. From XXXX to XXXX, Mr. Cooper became unresponsive and would not respond to my inquiries via email or telephone. I did not go forward with them, as I realized that they are a horrible company. However, I paid for an appraisal that came in low. I applied for a refinance with my original local lender and we were set to close XX/XX/21, but Mr. Cooper has refused to send the .xml version of the appraisal or the receipt that I paid for the appraisal to my new lender. The FHA requires the use of any appraisal taken within the last 6 months. I can not get this resolved and I can not close on my refinance without these documents. Please help me.
Product: Credit reporting or other personal consumer reports

I submitted identity theft police report like reporting company told me due to identity theft and they said they would remove accounts but they didn't and it's years later still NO UPDATE to file they just kept telling me I need new police report! I didn't inner stand why I needed a new one and they never explained why. I call to verify why they haven't removed items and they told me I need to get an UPDATED POLICE REPORT, FTC REPORT, CFPB REPORT in order for them to remove items.
Product: Credit reporting or other personal consumer reports

-Date : XX/XX/year> -Name : XXXX XXXX -Date of Birth : XXXX -Social Security Number Last 4 ( XXXX ) -Company Information : XXXX XXXX, XXXX, Equifax I am a victim of XXXX XXXX XXXX XXXX XXXX and as per the guidance from the Consumer Financial Protection Bureau ( CFPB ) , I have provided the necessary documents, including a photo ID, a bill, and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX. This situation falls under XXXX according to the XXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) and 1002.142 ( b ) ( 7 ).

I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

I have supplied my identification and the required information from the list of acceptable items, which mandates only two documents per the law. I have also included a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

As audit has occurred notice of unauthorized transactions. 
Transactions include XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX Total = {$6500.00} Account will be getting closed to further investigate
Product: Credit card or prepaid card

On XX/XX/2023 a {$130.00} charge was discovered by me that I did not authorize from XXXX. I reported this to Wells Fargo right away and my card was given a temporary/conditional credit. Later, I was able to get XXXX give me credit so I then contacted Wells Fargo and told them that XXXX gave me a credit of {$130.00}. Wells Fargo then reversed the temporary/condional credit ; however, they actually manually added a second charge for the {$130.00} from XXXX. The bottom line is, for XXXX purchase of {$130.00}, I have been charged XXXX times on my Wells Fargo account and credited only twice ( once by Wells Fargo and once by XXXX ), leaving an inaccurate of {$130.00}. I have been fighting with Wells Fargo about this issue since the beginning of XXXX. I have written letters and spent countless hours on the phone with the fraud department, credit dispute department, customer service, and even took my issues to a brick and mortar facility on XXXX VA. Every person either says they see the issue, or they are not looking at the entire account so they think I have been properly credited when in fact, I have not been. I am very distraught about this because they will not remove this fraudulent charge from my account and I am afraid my near perfect credit score will be in jeopardy.
Product: Credit reporting or other personal consumer reports

I am trying to dispute a couple of accounts that include inaccurate information and keep getting these emails from Experian refusing to investigate because they're saying the dispute is not coming from me. I have provided all of my information including my name, address, social, date of birth, and the account information. I'm not sure what else I'm supposed to do! They gave me a number to call which is just a recorded message that loops round and round. I jumped on XXXX to find a solution and read that Experian does this to prevent consumers from disputing things on their credit reports. That's what lead me to the CFPB website because I was told that these actions were illegal and violating my rights and that filing a complaint against them XXXX help me get them to investigate my disputes. I have XXXX collection accounts that I did not recognize on my report and and contacted the collection company, XXXX XXXX letting them know that I did not recognize or know about these accounts and they could not provide me with any information about them, if they belonged to me or, had any documentation about the debts they could provide. I then let Experian know that these debts are unfounded and there is not evidence they belong to me according to the collector and they just ignored me. I then pointed out that they're not even reporting correct and that's when they started sending me these emails refusing to investigate it. From what I've read online Experian is maliciously refusing to remove these accounts from my report because they get paid to report negative items on credit reports. Hopefully the CFPB can do something about it because they shouldn't be able to hurt people like this.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systematic issues such as failure to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed accounts, as XXXX inaction violates federal law and my rights as a consumer. 

XXXX has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systematic issues such as failure to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Debt collection

Merchants and Medical is attempting to collect a debt that I do not owe. They have sent fraudulent collection notices demanding payment for a negotiated and settled medical debt. I believe this erroneous debt has also been placed on my credit report, which, if true, will cause me irreparable harm. 

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

On XX/XX/XXXX the CRA reported a late payment on an auto loan for XX/XX/XXXX that was incorrect. I disputed the information and sent my proof to the CRAs. The late payment was then removed XX/XX/XXXX. On XX/XX/XXXX a new late payment was added for XX/XX/XXXX. This inaccurate data has been reported to the Attorney General and XXXX. this inaccurate data is also in violation of a number of FCRA Laws, XXXX XXXX data compliance and consent of disclosure. If the information was correct and true under XXXX the data would not constantly change.
Product: Credit card or prepaid card

Have filled multiple disputes with the credit bureaus and all say the information in the account is accurate. I have called Apple myself to verify if an account is under my name and have denied an account existence along the line of my dob, ssn, address, email addresses. I still see the Apple credit card is still being used.
Product: Mortgage

There was a {$59000.00} loan unauthorized against my FHA mortgage that was under Fay Servicing LLCs watch and assumed to be paid to an investment group, by the name of XXXX XXXX, XXXX. Fay Servicing also continued to bill me monthly statements grossly in excess of the monthly payments. Fay Servicing was also supposed to allow a XXXX disaster relief in XXXX, XXXX, and XXXX but instead continued to bill for those payments. All of the errors especially the unauthorized loan factors into an arrears balance excessive ( {$82000.00} ) and my mortgage loan balance is showing that I owe {$380000.00}. They have mismanaged my account and have allowed Fraud against my account. I will be attempting to seek justice in this matter as a class action or individual lawsuit.
Product: Payday loan, title loan, or personal loan

This company required me to give my unit info, required me to make an allotment, and also my bank account info to withdraw funds if allotment failed
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX  XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEPT ED XXXX XXXX XXXX XXXXXXXX DPT TREASURY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX