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

Back in XXXX, I purchased my first home in XXXX XXXX, WA with a mortgage from XXXX XXXX XXXX XXXX ( XXXX ). 
As part of the mortgage, I setup a savings account, and setup Autopay to have my monthly dues automatically withdrawn from the checking account. Please note that I opted NOT to pay for insurance and taxes from an escrow account when setting up the mortgage. 

Fast forward to XXXX, I moved to a new city but kept the house in XXXX XXXX. Immediately upon my move, I changed the mailing address tied to my XXXX accounts from the website. I had not realized at the time that XXXX Mortgage kept separate addresses on file even though all records are accessed through the XXXX banking website, and because of this, the mailing address for the XXXX mortgage account was never updated. 

Sometime in XXXX, I switched to a different insurance company for the XXXX XXXX XXXX and informed XXXX of the change as instructed by the new insurance company. However, sometime in late XXXX, I received a phone call stating that I was behind on my mortgage payments. 
Several phone calls later, and upon closer review of my account, I found that XXXX force-purchased insurance claiming that I had not submitted proof of insurance. Because of the insurance that was purchased and the escrow that was created for it, my monthly dues had gone up, and the amount I had setup to for Autopay was just short of the new dues. 

While this was happening, XXXX apparently mailed me notices to my old mailing address on file but never once contacted me over the phone until way late in the game. XXXX also just held on to my monthly payments without processing them nor issuing a refund. 

In the end, I immediately paid the overdue amount and submitted proof to XXXX after which they issued a refund for the insurance and associated fees. XXXX also processed all of the funds that they were holding from payments they hadn't processed, so currently I am actually 3 months ahead of schedule in my payment. 

However, despite all of the above, my credit report still reflects that I had two major delinquencies in my payment which not only impacted my score, but have caused lenders to deny my refinancing application which will end up in tens of thousands of dollars in lost opportunity cost. 

I had filed disputes with all three insurance companies to no avail, so I'm asking CFPB to please step in and get this corrected as I have not missed a single payment.
Product: Debt collection

I continue to receive a bill that was accrued during a time where my medical bills were covered via Medicaid due to a serious XXXX, inability to work and months of treatment. I have called and sent them the Medicaid number as well as faxed them proof of coverage several times and they refuse to accept the fact that the bill should ID covered by Medicaid. They tell me thank you and the issue will be resolved, however, I continue to get a bill. Also, each call to them they tell me they are unaware of the Medicaid coverage in spite of me sending and informing them of the information several times over the course of a year. This is harassment.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX  XXXX Balance : {$5300.00} XXXX XXXX, XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I SENT LETTERS ON XXXX TO EQUIFAX AND XXXX ABOUT INACCURATE AND INCOMPLETE ACCOUNTS REPORTING ON MY CREDIT REPORT AND OLD ACCOUNT OVER 7 YEARS NOT BEING DELETED AS WELL. THEY ARE IN VIOLATION OF 15 USC 1681S-2 AND I AM REQUESTING FOR DELETION OF THE ITEMS
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all the credit bureaus and get a response that was in adequate because Upon my investigation and research it is still inconsistent. 

In accordance with the Credit Reporting act XXXX XXXX Account # XXXX, 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: Checking or savings account

Was transferring assets from a XXXX account to Etrade. The XXXX transwer failed, so etrade locked my account causing multiple items to bounce and fail charge. I have no access to any of my funds and no options on how to get them.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX
Product: Bank account or service

submitted my retirement check to bank through mobile deposit next day funds were available. XXXX afternoon, funds were put on hold due to orginator returning check ( XXXX ). Called massmutual who said check was fine. Called wellfargo back and did conference call, massmutual could n't find any reason for return. Well fargo placed funds on hold for XXXX days. Started paying bills and now bouncing.
Product: Debt collection

CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS DUE TO ID THEFT APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Product: Credit reporting or other personal consumer reports

This company continues to manipulate my credit report but reporting false an inaccurate information on my credit report damaging my credit and my life. I send in dispute letter an proof of how they are in violation but the only thing they say an then report as the account has been verified which continues to effect my life. I have descriptions down below to show my case an for them to remove all of the inaccurate information that is reporting on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following inaccurate names:
XXXX XXXX,
XXXX XXXX XXXX,
XXXX XXXX,
XXXX XXXX,

also please remove the following inaccurate addresses:
XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX,
XXXX XXXX XXXX XXXX WA XXXX,

please remove the following inaccurate employers:
XXXX XXXX,
Product: Student loan

I recently received notification that my private loan school misconduct application was denied. I am requesting the specific reasons why this was application was denied. Navient said I dont meet the requirements but failed to give any reason whatsoever why I was denied. i would like send to me the exact specific reason I dont qualify in detail and a way to resubmit the application. When these schools have already been found fraudulent in a federal court and all federal loans have been forgiven why havent these loans from the same school. 

Here is the response I received from Navient. 

We have completed a review of your application and have determined your applicable private student loans are not eligible for discharge due to the following reason ( s ) : Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school.
Product: Credit reporting or other personal consumer reports

XXXX. XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX. XXXX ACCOUNT NUMBER XXXX XXXX. XXXX ACCOUNT NUMBER XXXX XXXXXXXX XXXX ACCOUNT NUMBER XXXX XXXX INQUIRIES, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I contacted XXXX and Transunion and XXXX and asked for them to investigate and remove the inaccurate accounts from my consumer report that they are ILLEGALLY Reporting and I requested specifically the alleged original application bearing my WET SIGNATURE and they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Product: Debt or credit management

There is a registry of an account that I do not recognize. It was discovered XXXX years ago and supposedly removed. The account is still on my credit report and I would like it removed.
Product: Money transfer, virtual currency, or money service

Moneygram closed my account online when I informed them not only of the delays, but also on the fact that Money Laundering activities may be overlayed on top of my transactions
Product: Debt collection

My mother used my ssn when i was under XXXX to open a XXXX phone plan in my name. The debt collector for said phone plan says I owe {$1600.00}. This is impossible as I just turned XXXX last year. I would like this debt to either be transferred to her and taken off of my credit reports to to just be completely free of it altogether.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive Submitted multiple request to the credit reporting agencies Who are in direct violation of 15 USC 1681 c-2. 

FAILURE TO REMOVE AND BLOCK THESE TRANSACTIONS WILL RESULT IN FEES OF {$1000.00} PER VIOLATION AS STATED YOU ARE VIOLATING MY PROTECTED CONSUMER RIGHTS
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX installment loan is reflecting as open with a balance on my Trans Union credit report when it has been paid off and closed for more than 60 days ( XX/XX/2017 ). My XXXX report shows it correctly with a status of paid and XXXX balance. I have tried to correct this directly with Trans Union however, twice now they have come back and said that XXXX is confirming that the loan is open with a balance. I have attached a paid in full letter from XXXX confirming the installment loan is paid off which is a contradiction to what Trans Union is saying.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax 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. I have 3 separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and involved in a data breach which are the result of identity theft fraud. These fraudulent accounts consists of a business credit card with XXXX opened around XX/XX/XXXX, and personal credit card at XXXX XXXX XXXX XXXX around XX/XX/XXXX, and a auto loan at XXXX XXXX opened around XX/XX/XXXX. These accounts have resulted in hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I am filing a complaint to formally address my concerns regarding Zelles handlings of dispute. Despite using Zelle plenty of times and reporting discrepancies, both my financial institution and Zelle failed to investigate adequately. I had all the proof. I believe they didnt investigate properly just because of the way Zelle rules are setup. CFPBs findings indicate that Zelle had not only neglected to protect consumers but had also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

Hello I have been holding litecoins in a wallet Litecoin-QT on my XXXX since XX/XX/XXXX. Since the wallet is now out of date I decided to move my coins over to Coinbase. 

On the XX/XX/XXXX I moved 30 coins - I transferred 1 to start with and then followed with the other 29. 

I can see the coins in Coinbase but they show as pending.

I have emailed Coinbase on numerous occasions but have been ignored. Having looked on the internet tonight a lot of people are advising to contact CFPB for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

( I HAVE SEVERAL INQUIRES ON MY CREDIT FILE THAT I DID NOT DO ) someone use my identity and summited fraudulent applications in my name also open several fraudulent accounts this is my second time disputing this information the reps have told me several times that they did not receive my information I have sent it certified mail now I am making a complaint I am writing to request and initiate a formal complaint against XXXX TransUnion and XXXX  XXXX. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Bank account or service

There are two components to the bank fraud that I discovered this morning. 
1 ) Wells Fargo changed my corporate bank account number without advising me. 
2 ) A customer attempted to send me an electronic payment last Friday via ACH. I never received the payment. After contacting Wells Fargo, they explained that my bank account changed. I then attempted to determine when this changed by looking at the previous bank statements. When I pulled my XXXX XX/XX/2015 bank statement from their online banking system the statement reflected the NEW account number. I then pulled a copy of my XXXX XX/XX/2015 statement from my local drive which I had downloaded back in XXXX. The XXXX statements ARE DIFFERENT. Meaning, that the Wells Fargo Online Banking system is displaying incorrect banking information to their consumers ( i.e. fraud ). It is not clear because no one has investigated this whether this is the result of fraud, weak internal controls in their IT process or some other reason. No consumer should assume that the information they are receiving from Wells Fargo is credible or accurate.
Product: Credit reporting or other personal consumer reports

I have written 4 letters certified to remove inquiries and still some exist XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

In XX/XX/XXXX, XXXX XXXX sent me a letter stating that if I surrendered my car, they would remove the associated debt from my credit report. I followed their instructions, leaving the car and keys in the designated location. However, they did not retrieve the vehicle. 

By the end of XX/XX/XXXX, the city police department towed the car. I informed XXXX XXXX in XX/XX/XXXX, after being notified by the police. They then stated that I was responsible for paying the impound fees, despite the fact that I had surrendered the vehicle months earlier per our agreement. 

I have video evidence showing that I surrendered the car as instructed. However, every representative I spoke to has stated that they are unable to assist because the car was no longer in their possession. They had ample time to retrieve it but failed to do so. Now, the debt remains on my credit report in XXXX, which was not the original agreement. 

I request that XXXX XXXX honor the terms of the agreement by removing the debt from my credit report, as I complied with the surrender terms. Please investigate and resolve this matter I have the phone calls on recording I let them know it was recorded before it wont let me upload because its XXXX minutes.
Product: Checking or savings account

On XX/XX/2022 I received a call from my mom, she was crying and a man told me he had a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Long story short and 8 minutes later, I had been forced to send a XXXX and XXXX transaction to this man for {$1000.00} each. After texting my mom 's phone confirmation of the payment, my mom, very confused, called me to tell me she was completely fine. 

I immediately notified Wells Fargo and XXXX. XXXX prevented the transaction from completing within the day and confirmed they did so because it was not considered an " authorized '' transaction. 11 days later, Wells Fargo refused to refund my money and stated it was because I authorized XXXX to make the payment and that XXXX was a third party, one that Wells Fargo was not responsible for. I appealed the decision with Wells Fargo Executive Offices and was refused twice. I also requested documentation of the decision but have yet to receive those documents. When I asked about the fact that Wells Fargo OWNS XXXX and created XXXX from XXXX XXXX XXXX XXXX XXXX ( a corporation created by the major banks ) they did not provide me an answer. I also appealed the decision on the grounds that the Electronic Funds Transfer Act requires financial institutions to refund customers that were forced to withdrawal money from ATMs while under threat/duress and this situation is no different. Again, no response from Wells Fargo. 

I understand I only lost {$1000.00} but I can not accept the fact that Wells Fargo told me it was my fault for using a third-party money transfer company which they own, they endorse on their app and they allow their customers to continue to use despite admitting there are signifcant issues with the program. XXXX is their scapegoat which allows them a loophole to avoid compliance with the Electornic Funds Transfer Act. This further does not make any sense when a company like XXXX, was far less resources, was able to address the situation swiftly.
Product: Credit reporting or other personal consumer reports

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this company 's that I think ilegally reporting in my credit profile that affects my life being tortured financially.

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY.

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!