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

Throughout this and last months, beginning on XX/XX/XXXX, I've tried to reach out to XXXX of XXXX and Equifax ( XX/XX/XXXX ) to get an account to manage a credit freeze. Every time, both credit bureaus put me on long holds, and once someone answers the line, he or she gives me the wrong instructions to create an account. 

I am totally frustrated with the lack of service of these agencies charged with monitoring personal credit. Once I got a hold of a XXXX employee, I decided to deactivate my account since I couldn't log in to it. Equifax is just as bad in not even attending to their phone or providing a way to access the service. Both bureaus stonewall me to access a credit freeze.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Account is not mine I have contacted the company and I have been effected by this account and it's damaging my health and the ability to use my credit. This need 's to be removed from our credit report!
Product: Mortgage

Dear CFPB, I am writing again because I need to be clear on this issue. As you already aware, I had placed many complaints against Bank Of America trying to take my home. I placed a complaint Last month XXXX and I see that CFPB closed my complaint. Why did you close my complaint allowing the BOA to have their way? On the response from BOA on my last complaint, they stated that on XXXX per dept of justice they sent out a program for me to save the house. I can clearly and truthfully state that this BANK did NOT do such thing. It is the same behavior pattern as before. LIES. How can they just get away treating customers like this? They get caught and fined a hefty amount as punishment and still go around with these lies. We need to get to the root of the problem. I want all copies of letters sent to me on XXXX like they mentioned. I want the BANK to submit to CFPB of all the letters I sent since XXXX of my issues. Lets get to the bottom of this please. We shall see who is lying. Let Bank Of America take me in front of court under oath. Once again, I have been crying for help since XXXX. And this month they will take my home away. 
I DO NOT WANT TO LOSE MY HOME. MY SON 'S HOME ... XXXX 

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

In XX/XX/2018 I sent a certified letter to Equifax XXXX XXXX XXXX, requesting they investigate inquiries which had no account 's attached to them and no permissible purpose. 


on XX/XX/2018, I received a computer generated letter from Equifax stating that they sent the creditors an electronic request for information and thereby confirming the complaint. 
In XX/XX/2018, I resent Equifax another request demanding they reinvestigate my original request Under the FCRA section 609 ( a ) ( 1 ) ( A ) to provide me with the following information, 1 ) written proof that I applied for that credit line 2 ) who they spoke with 3 ) How did they verify the information 4 ) what permissible purpose was provided On XX/XX/2018, I received a computer generated letter from Equifax stating the sent out an electronic message and verified the information. I feel that another letter will have little to no effect with this company in resolving this matter.
Product: Mortgage

The Foreclosure sale date is scheduled for tomorrow XXXX XXXX, 2016. Caliber Home Loans told me that I had up until 15 days before the sale date to submit all the documents to be considered for a modification review. I hired a law firm to help me, XXXX XXXX XXXX. The law firm submitted all the documents prior to the 15 days ( and also Caliber had the extra 5 days for them to be uploaded ). 
Based upon the law firm communication, the law firm submitted all the documents in time ( prior to the 15 days ) and it was acknowledged that Caliber received them. Now the day before the sale date, Caliber is saying that they did not receive all the documents. Now they are saying that all the documents should have been in 37 days prior to the foreclosure sale date. Caliber contradicted themselves by first saying 15 days and now saying 37 days prior to the sale date. Is this an illegal foreclosure. Also as shown on a previously filed complaint, Caliber did not tell me the XXXX XXXX guidelines. 
The attorney advised me that I could file bankruptcy. Caliber switched telling me their rules about the number of days that the modification package had to be in. They told me 15 days and now they are saying there is a 37 day rule. This is another example of Caliber Home Loans giving conflicting information as well as incomplete and incorrect information. Caliber does not provide all the information that is needed to help the homeowner in a timely basis. Inconsistent and incorrect information is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. 
XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm requesting that the following accounts be blocked from my credit report. The credit reporting agencies will investigate and report back verified, but verified by whom, and supported by what physical documentation. As a consumer I have the right to request this so called vertification. However, I will file a law suit in my next attempt at this if for some reason this is again verified without providing me physical documentation. The following accounts in question are XXXX  ( XX/XX/XXXX ), and XXXX XXXX XXXX ( XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Im going over my TransUnion Credit Report and Im noticing that the Dept Of ED/XX/XX/XXXX accounts I previously disputed and were informed that they were verified, has no indication that they were previously disputed, which concerns me deeply. This a direct violation of the FCRA and leads me to believe that a proper lawful investigation never took place. Please remove these accounts from my credit report immediately. Thank you so much for your assistance in this matter.
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on Experian Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXXXXXX, XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Student loan

I entered into a repayment plan with Navient from XX/XX/XXXX-XX/XX/XXXX. My monthly payment ( which is automatically deducted from my checking account ) is consistently misapplied, resulting in my loans becoming past due and frequent phone calls from the servicer. I have contacted Navient multiple times to resolve this issue, and yet there has been no resolution. This is frustrating as even though I make a monthly payment, my loans are consistently at risk of becoming past due if the servicer misapplies the payment and I do not catch the mistake. Conversations with the servicer have not brought any results, as this issue keeps coming up. I am concerned about having my credit negatively impacted if the payments continue to be misapplied.
Product: Mortgage

My home is scheduled for foreclosure XX/XX/XXXX. They attempted foreclosure with a fraudulent robo signed assignment. The deed to secure the deep had been requested and has not been produced. 
I have disputed the amount owed .I questioned this XXXX XXXX standing once I learned that XXXX XXXX  was serving as trustee on this fraudulent transaction that is being used to claim ownership of my property. Fraud cant be the basis of obtaining a deed and this blatant fraud.I also sent a notice of error and no one from their research team or their executive office has responded. Neither has notice of default has not been addressed.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my XX/XX/XXXX and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also 2, 852 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/2018 60 DAY LATE THIS ITEM IS NOT VERTIFABLE. THEY ARE UNABLE TO VERIFY THE 60 DAY. THIS IS CLEAR VIOLATION OF 609.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am XXXX XXXX XXXX days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is reporting a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Money transfer, virtual currency, or money service

I received a debit card with my name and address on it from CashApp, that I did not open an account for. When I called to request information the account and to close it, the phone and email did not match mine ( likely from the thief ). They took some basic information and said they will reach back out to me within a few hours or a day/two, but they have been unresponsive since.

CashApp continues to say that they arent able to accomplish anything over the phone, and I must use their app, which I do not have.

CashApp is allowing members to open a debit card account without proper credit and identity verification, and then subsequently failing to close and prevent future fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion began inaccuracy investigations on   XXXX   XXXX  ,   XXXX   XXXX  , AND  XXXX   XXXX   XXXX  ON   XXXX   AND COMPLETED ON  XX/XX/2017 .ON   XXXX     an inaccuracy investigation was done on US Education which also completed on   XXXX  .I have complete records and proof.The investigations were begun on Transunion on-line investigations separately and completed together on-line which is of no legal significance .All of the paperwork is dated which I previously provided TU AND CFPB.TU says they have done nothing wrong or illegal yet they have and lied to CFPB as well about the  initiation d ate, which I later attached to another CFPB case regarding this.It is of no consequence, according to law, when the furnishers received due to  TU ' s incompetence or lack of adequate computers/ employees.TRANSUNION BREAKS THE LAWS HERE- ATTACHED FROM THE FCRA and lies to CFPB with impunity. ( THEY SAID SORRY FOR THE LIE ) TU should fire the  TU  employee who is answering the CFPB ... they are scofflaws, incompetent and maybe drunk but they put TU in position for heavy liability in court to me and fines by the CFPB.
Product: Credit reporting, credit repair services, 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 XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number 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 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: Debt collection

I did not receive any communication of this debt and if it was a true debt, did not receive the opportunity to resolve the matter. I never once receive a letter/bill to reflect what this is for. I only found out as it was reported on my credit report as a 'collection '' on XXXX XXXX. When I called FBCS on XXXX/XXXX/XXXX, I was told it was for services provided on XXXX/XXXX/XXXX. I called XXXX, which was my insurance provider at the time, and they do not show any claims submitted for that date or even for a range that they searched for. I asked FBCS to send me 'proof ' to see what this medical bill was for and they have not sent me anything and keep telling to just pay off the account without justifying the charges.
Product: Credit reporting or other personal consumer reports

I request that my address be updated to correct and take the information pertaining to Credit Acceptance, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX And all the other information in my Credit report to be removed and updated with the correct information Because it's affecting my Credit score and when I apply for things and I did it once over the phone and a couple times by mail.
Product: Debt collection

I contacted the CFPB about this debt before in case XXXX. The hospital is part of XXXX XXXX XXXX XXXX. The service date is shown on a bill but the bill shows a very different amount. I was able to speak XXXX XXXX XXXX billing office about the bill they sent me and they said that the amount they were showing as outstanding was different and they would investigate and send me a revised bill. That phone conversation happened on XXXX17. I am unsure how I can be working with the provider on something that has been sent to collections. I feel that some sort of clarification is needed. The charge may also be the result of identiy theft but I need to have a conversation with someone to figure that out. 
The people at Overton will just repeat the amount they think I owe and that is not helpful
Product: Checking or savings account

On XX/XX/XXXX at XXXX, I was a victim of fraud that resulted in the amount of {$6400.00} taken from my account. The money was disbursed from my XX/XX/XXXX, XXXXXX/XX/XXXX, and XXXX, but was all connected to my Wells Fargo credit card. On XX/XX/XXXX, I was told that my case was dismissed, I will not be reimbursed for anything, and that my account will be in the negatives. Due to this matter, I am now forced to move out my apartment complex and live in my car, while i work to regain the money that I have lost Below are my issues with this claim : Wells Fargo took my paycheck that was the amount of {$440.00} was deposited ( via direct deposit ) into my account on XX/XX/XXXX at XXXX, which was before I made this claim. XXXX XXXX, the manager of the bank at XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX that I submitted the claim to, asked me numerous times which transactions were unauthorized and if my check from my job was correct. I confirmed that the transactions from XXXX were correct and anything after that was unauthorized. XXXX saw that an unauthorized check was put into my account in XXXX,XX/XX/XXXX and I was in XXXX, XX/XX/XXXX. XXXX then called the fraud department and made the claim. Wells Fargos fraud department proceeded to take out my paycheck and put it with the claim. 
The check that was deposited into my account on XX/XX/XXXX for the amount of {$2700.00} was also fraud. Wells Fargo detected it as a fraud but still authorized it despite there being an active investigation in process. I spoke with XXXX, from the Fraud Department, and he told me that he saw the {$2700.00} check. He stated that the check has not been processed and he suspects it to be fraud. 
On XX/XX/XXXX, I was notified through email that another claim was made for the {$2700.00} amount and that the check was fake. The email also stated that it will be charged on my account, causing it to be - {$2700.00}. This should have not happened and that money should have been flagged immediately. 
Other banks call/notify their customers to verify deposits and withdrawals if it is a large amount or if it's out of state. This is especially true if an account is being investigated for fraud. I never received a call or notification that another check was put into my account after I made the claim. The person who did the transaction used the same location that they put the original check in. That should have automatically been a red flag as I live in XXXXXX/XX/XXXXand made my claim in XXXX XXXX also took it upon himself and made a comment in regards to the claim for the amount of {$500.00} and stated that he was going to also dismiss that claim and I will not receive any money for that as well. I took that very seriously because that claim is still being investigated as of XX/XX/XXXX. 
Additionally, I have a limit of {$3000.00} a day that I can take out of my account. I am extremely confused on how this even happened as the amount of {$6400.00} was taken from me in one day.
Product: Money transfer, virtual currency, or money service

Dear Team, This is XXXX XXXX. 
1. I have an online account with Western Union ( International Money Transfer ) from US checking accounts. 
2. I have been member of this account since XXXX and it is inactive since XXXX. 
I never used it since XXXX. 
3. But on XX/XX/XXXX morning at XXXX XXXX CST, I have received an email that a transaction has been completed using my account and money was picked up at WU location by the recipient. 
4. Similar to this 4 transactions happened within 20-30 minutes of time and these are all fraud transactions and the recipient collected the amount at WU location instantly. 
5. I have called up Western Union Customer Care and they directed to Western Union Fraud department and they suggested me to close my Western Union account and respective payment method ( XXXX XXXX account ) not to get debited with these transactions and get trapped. 
6. I have called my respective XXXX XXXX account and closed my account to avoid the amount deduction. 
7. Western Union Fraud department had raised a case and case number is XXXX 8. They requested me to contact local law enforcement and update the details and refer to this case number ( XXXX ). 
9. Hence I humbly request you to check and help in investigating this issue and resolving it.

10. I am victim of this fraud and getting trouble with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX  XXXX  daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Checking or savings account

I am not really sure what happened other than I am being told BOFA has reported an account as fraud, I don't have any knowledge of what they're referring to so I filed a dispute with XXXX XXXX as they're the ones provided information that impacted the bank in denying my request to open a checking account with XXXX XXXX and XXXX XXXX. I was made aware of the claim when I attempted to open an account with XXXX XXXX XXXX and was told the account had restrictions and XXXX  XXXX stated the same. I sent a dispute on XXXX because I honestly have no idea what this is. A response was returned from BOFA stating it was verified as accurate however NO documentation was provided supporting the validity of the claim. No amount, nothing! Just a side note I am not quite sure when this took place however I have been a victim of identity theft on more than one occasion an as recent as XX/XX/2020 someone file a fraudulent unemployment claim while i was clearly working that I had to dispute and filed a complaint with the FTC. I am getting ready to send a complaint with XXXX as I just got an email with an invoice from XXXX stating thanks for a payment and I HAVEN'T authorize ANY XXXX  XXXX payment this is getting so fustrating!! So I am escalating this matter with the hope that you guys can resolve this issue for me. Thanks!