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

I appreciate your help to REMOVE some accounts from my credit file that occurred because of a FRAUD yet I have certain accounts passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence. 
XXXX XXXX XXXX XXXXXXXX Balance : {$750.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$670.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance XXXX {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. Experian has stopped including the data related to my credit account with XXXX XXXX XXXX XXXX, XXXX, Fl. 
XXXX. Experian has labeled the account " No status '', and shows no updates going back five months. The XXXX XXXX has confirmed, to me and to Experian, that information has been sent to Experian, to report my account activity. It is an active account, and has remained so for a long time. There is no credit lock that would keep Experian from seeing the reported information. 
XXXX. My FICO score has been eliminated because this account is the only credit account that I currently have. Experian has eliminated the only information that would generate a FICO score. Experian has eliminated my ability to gain a loan or another credit card. 
XXXX. XXXX XXXX XXXX XXXX has called you repeatedly to find out why you are not reporting the information that they are sending. I have sent a complain to Experian to which you responded by sending me a phone number that no one answers. 
XXXX. The problem is at least five months old. The bank called Experian more than a month ago. Experian has ignored my direct complaint, to their web site, for more than three weeks.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TRANSUNION for failing to provide the method of verification for multiple disputed items on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ) under Section 611 ( a ) ( 7 ). Despite my repeated requests, TRANSUNION has continuously refused to provide the required documentation or method of verification, instead responding only with a generic " verified '' statement. This failure to substantiate verification violates my rights as a consumer. 

I request that the CFPB require TRANSUNION to remove all negative items that they have failed to verify according to FCRA guidelines. 

Details of Violation : Lack of Transparency : Despite my repeated requests, the credit bureau has failed to disclose the method of verification, which is a right under FCRA 611 ( a ) ( 7 ). 
Failure to Remove Unverified Information : Since they are unable or unwilling to show how the information was verified, I am requesting the removal of this unverifiable items from my credit report. 
I respectfully request that the CFPB enforce compliance with the FCRA and require TRANSUNION to REMOVE the disputed items from my credit report if verification can not be adequately substantiated.
Product: Mortgage

This is my fourth complaint against  Bank of America. The other 3 are,  in order of creation,  XXXX ,  XXXX , and  XXXX . Regarding the third complaint  (   XXXX   ), a BofA represent ative contacted me on  XXXX   XXXX ,   XXXX   to review the fact that not once but TWICE I was disregarded as a candidate for refinance, once last year and once early this year, with no advice for alternative programs, which do in fact exist. However, she decided she would not address this latest debauchery of apparent discrimination but would attempt to gloss over it by stating  ( 1 ) BofA ha s no record of my having filled out an application for refinance during or after this call, and thereby yet again attempted to pass responsibility for this failure back to me by alluding to the possibility that I never put forth the attempt and therefore I was never rejected . and ( 2 ) atte mpted to send me via phone over to their department/s that would in fact assist m e ( finally ). I told   her that the original issue and attempt to refinance were now, and at least for the time being, moot. I want the disregard and discrimination I experienced TWICE, once last year and once this year, fully addressed. For this is in fact now the overriding issue. I also told her I  told two other BofA employees, one of whom was also an RA representati ve,  XXXX   XXXX   XXXX , that I experienced this disregard, and disrespect TWICE. Both men knew of this but they decided it was unimportant. But it most certainly is important. I asked the woman if she had listened to the recording of my second attempt to refinance from this year. She stated she had n't. I then asked her why I would have bothered to fill out an application for refinance ( as she alluded I certainly must have if I inquired about it ... RIGHT??!! ) when I was told unequivocally on the phone, last year and this year, that I am ineligible? This she could not answer. I am stating herein that that second attempt occurred on  XXXX   XXXX ,   XXXX   at  XXXX  PM. I actually scheduled the appointment through  BankofAmerica online appointment calendar. I had a representative call me to confirm it. I have record via email of that appointment and I have record of the call to me from the BoFA loan officer  in my  XXXX  account. The call DID occur ... I was rejected after  3 minutes! I  want that call researched, investigated and analyzed before going any further. I refuse to take responsibility for this! I did n't apply because I was told I am ineligible!! TWICE!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : Is showing open and late, this account is not open it has been paid in full closed. Also, this account shows late payments this account has never been late. 

XXXX XXXX : This is account does not belong to me. this account belongs to my brother with a similar name. I've asked for this account to be removed and or proof that this account belongs to me. 

XXXX XXXX XXXX XXXX This account does not belong to me and i have asked for this account to be removed. I also asked for proof of this account belong to me.
Product: Credit reporting or other personal consumer reports

By 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.XXXX XXXX XXXX XXXX XXXX, has violated my rights under 15 USC 1681, Section 602 ( a ), which states that consumers have a right to privacy. Additionally, 15 USC 1681, Section 604 ( a ) states that a consumer reporting agency can not furnish an account without my written instruction. 

Furthermore, 15 USC 1681 ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse items of information other than records of convictions of crimes which antedate the report by more than seven years. According to 15 USC 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, credit repair services, or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 credit agencies have all information regarding my accounts incorrect. My Account with XXXX XXXX the Open date is incorrect the amount owing is incorrect and behind According to 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) any transaction and experience between the consumer and the person making the report are excluded, so this means that any late payments are excluded according to the FDCPA all 3 credit agencies must match with everything that they are reporting the credit agencies are being in non compliance. I am tired of dealing with these incidences and the credit agencies 15 U.S. Code 1681a - Definitions ; rules of construction U.S. Code Notes prev | next ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes; or ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting or other personal consumer reports

I purchased a vehicle from a dealership and asked the dealership if they participated in truth in lending. the dealership salesman didnt answer. At the end of the day I had to trade and make a cash deposit on the vehicle. when taken to the loan office to finalize the paperwork for the vehicle the purchase wasnt thoroughly explained to me regarding the credit terms nor any other options except what was presented to drive the vehicle. lots of lenders mailed paperwork to my home, and i do not understand why. After review of my contract i noticed the vehicle 's purchase price which was an as is ballooned from XXXX to XXXX and the harrassing phone calls began not clearly understanding my rights as a consumer, and the agreement with the lender that the dealership had contracted me to.
Product: Checking or savings account

Capital one had an outage in their system that caused them to have deposits withheld. 

It has been over 48 hours. We were notified of the problem last night and there hasnt been any changes of outcome since the beginning of the outage, Wednesday
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, My name is XXXX XXXX XXXX, I am writing to complain on Transunion for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have meet the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 
The following are some of the dates of the letters I have mailed out : XX/XX/20 XX/XX/20 They're are multiple attempts other then this dates I have attach. 

ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.
Product: Mortgage

Former servicer XXXX approved modification XX/XX/XXXX, and final documents were approved in XX/XX/XXXX, but the servicer changed to Ocwen. When the final documents go to Ocwen in XX/XX/XXXX, Ocwen wouldnt honor the modification. Ocwen acknowledged for the first time ever receiving my Notarized and signed Modification documents on XX/XX/XXXX. For 5years Ocwen kept stating " owner doesnt allow modifications '' in their response to me. But Ocwen wouldnt acknowledge what I sent in XX/XX/XXXX. I want to keep my home, I can afford it. I submitted emails and had many calls to the investor, " XXXX XXXX '', but the bank says they are not the owner of my loan. I do not know who owns the loan because XXXX XXXX, of XXXX XXXX  in XXXX XXXX XXXXXXXX says that XXXX XXXX isnt the owner. Ive had several conversations with XXXX XXXX to help me find out who is the owner of my loan, but XXXX XXXX says, XXXX XXXX isnt the owner. I requested to Ocwen numerous times to please tell me who is the " Owner '' so that I could make a request to modify the loan. Please dont allow Ocwen to sell my home. I have no other place to live. I have been in my home 25years this XX/XX/XXXX, and I need your help. Please help me CFPB.
Product: Credit card or prepaid card

Blocked my account for 3 weeks for total of 27 times. Wish to complete terminate the account by filing complaint with XXXX  but unsuccessful. Their financial review teams always busy, and for transaction dispute is even worse, they took my response as merchants response and closed the dispute. Unbelievable.
Product: Student loan

My loan with ACS changed to Conduent Education. I was informed that I would not have to change any information, and that everything would stay the same. When I went to log in to make a payment, it told me that I did not have an account and that the action was not available.

I tried changing my password, and the system recognized that I did have an account, but then it told me that there was no loan associated with my Social Security number.

I tried calling the customer service number provided, and it asked for my social security number without giving me any other options. Again, I got a response that said there was no account associated with my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Equifax and XXXX are not responding to any of my numerous requests to investigate, verify and remove accounts from my credit reports/files.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX ), Consumer Date of Birth : ( Private 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 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 {$7700.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 # ( private case number ) 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: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$280.00XXXX XXXX XXXX Balance Owed {$7300.00} XXXX XXXX XXXX  Balance Owed {$2800.00} XXXX XXXX XXXX Balance Owed {$1400.00}
Product: Debt collection

On XX/XX/2021 approx XXXX XX/XX/2021 approximately XXXX ( after this call I asked them to find the right person, I just ported this phone number 4 months ago ) XX/XX/2021 XXXX they called again, however I have number blocked at this point ( XXXX ) XXXX is the number that CONtinues calling
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unverifiable information on my credit report. To this day, which is over 30 days later and I am yet to receive a response. As this is not my first time trying to resolve this matter, I feel as if I am being taking advantage of and being ignored of my disputes. In Section 611 ( a ), it clearly states that a failure to investigate these items in 30 days give a reason to immediately remove those items from my credit report. It has been over 30 days and counting, so they should be deleted promptly. I demand that these accounts be deleted immediately, or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XX/XX/XXXXaccount. I reviewed my credit report and found a fraudulent entry. It appears XXXX reported to AFNI that reported to the credit agencies XXXX and XXXX that I did not pay a bill. This is impossible because I dont have a XXXX account. The XXXX client account is not mine. If you check that account, it states the name is different. This faulty name is tied to my personal information. ( SS #, Address, DOB, etc. ) This is costing me thousands of extra dollars due to a higher interest rate on a home loan because of the lowered credit score caused by this matter. I tried to track the problem through AFNI, they said it is not there problem. They sent me to XXXX which is part of XXXX now. I spent hours going in circles trying to get it fixed. The links at XXXX do not work. XXXX has fixed the problem.
Product: Checking or savings account

To Whom It May Concern, I am writing to file a formal complaint against Wells Fargo regarding the sudden closure of both my personal and business accounts without prior notice or clear justification, leading to significant inconvenience and financial distress. My accounts have been in good standing for nearly a decade, making this action both unexpected and unwarranted. 

Despite my attempts to resolve this matter directly with the bank, including multiple visits to their branches and attempts to communicate via other channels, I have not received a satisfactory explanation for the closures. Furthermore, Wells Fargo has failed to return the funds from my accounts, which they claim to have mailed to an address in New York. I have not received any such mail, including the alleged checks, at my registered address. 

The situation escalated when I visited a Wells Fargo branch in California for notarization and verification purposes, as per their request. Shortly after confirming my presence out of state, my accounts were abruptly closed, indicating a potential misinterpretation of my situation or malicious intent. 

Given the lack of communication and transparency from Wells Fargo, I am seeking the assistance of the Consumer Financial Protection Bureau to investigate this matter. I believe that Wells Fargo has not only violated my rights as a consumer but also failed to adhere to proper banking practices and procedures. 

I request your intervention to ensure the prompt return of my funds and to hold Wells Fargo accountable for their actions. Enclosed are the details of my accounts, records of my attempts to communicate with Wells Fargo, and any other documentation relevant to this case. 

Additionally, I wish to address a separate but equally pressing issue regarding customer claims filed for non-receipt or receipt of damaged goods. Despite our customers submitting legitimate claims as per the bank 's policies, Wells Fargo has consistently failed to process these claims in a timely manner or refund the amounts due. This negligence has not only affected our reputation but also resulted in financial losses for our business. We urgently request the CFPB 's assistance to ensure these claims are reviewed and resolved fairly, and that any funds owed are promptly returned to us. 

Thank you for your attention to this urgent matter. I am available to provide further information as needed and look forward to your support in resolving this issue. 

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

A lot of things is on my credit report that i do not identify with.
Product: Money transfer, virtual currency, or money service

I am not and never have been a customer of cash app/block/square. I have not received any documentation or had communication with them prior to today. I received a 1099 form today, XX/XX/XXXX, stating I made money through this service in XXXX and XX/XX/XXXX using code XXXX, furniture business of some kind. The form looks legitimate and my information appears concerningly accurate. I pulled up contact info, separate from the form I received, and called cash app. The person seemed confused, put me on hold, told me the manager says they are unavailable. While they mentioned calling me back, there was no further information provided once I mentioned needing to speak with the fraud department or compliance department. It presents as identity fraud that they are unwilling to take seriously.