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

Equifax did a sloppy job investigating. They did not even investigate my claim. This inquiry has been deleted off my credit report from the other two credit bureaus due to inaccurate information. This third-party agency has failed to provide information. All they will provide is one letter is not even in telling that I was late or providing any any information about my account they will not provide me any verification or validation of account so at this point then everything should have been deleted from my credit report Equifax has failed to remove this information for my credit report I 'm asking this to be investigated thoroughly. I have requested a previous investigation with y'all with this company and also with original company XXXX XXXX XXXX XXXX will not respond back to my request or will not provide me any information regarding this account also. So they 're not able to validate or verify the account so it must be taken off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. I have submitted numerous dispute to Experian to have inaccurate items removed from my credit report as well as some unknown things. My XXXX dispute I mailed in was XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Experian at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic and ignoring my request. That's really taking advantage of me as if I'm not an educated man. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of stress you all are causing me. Not to mention that My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. I've been in hospital twice stressing over this. It's not fair and federal laws are being broken at this point.
Product: Student loan

I got scammed by Guidance Alumni. Will I be able to recover the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The EQUIFAX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 1. XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; 2. XXXX Inquiry Date XXXX. XXXX, XXXX ;
Product: Mortgage

Property inspection fees charged by my mortgage company outside of my principal, interest and escrow, and outside of late fee whenever mortgage goes 30 days past due. Requested a cumulative amount and/or copy of the property inspections.
Product: Checking or savings account

At the end of XXXX, the weekend before XXXX, I had noticed that there were XXXX unauthorized transactions in my account that totaled {$1900.00}. These transactions were from all over the country and XXXX. I filed a claims for fraud, and was asked would you like to press charges if we find who did this and I said yes. XXXX weeks later I got reimbursed the money I had stolen. On XX/XX/XXXX I woke up to my account being- {$1600.00}. I called Wells Fargo and they told me that they finished their investigation and claimed that I had made those transactions, when I didnt and took back my reimbursement. Leaving me- {$1600.00}, I have been unable to pay any of my bills, some got bounced back, they are all late and Wells Fargo have done nothing to fix this problem.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Notice of Inaccurate Reporting and Violation of FCRA 1681 ( e ) ( b ) Dear XXXX XXXX XXXX XXXX I am writing to formally dispute the inaccurate reporting of the partial account XXXX to the credit reporting agencies. It has come to my attention that your company has been reporting this account as charged off repeatedly, despite the fact that a charge-off is a one-time event that occurred in XXXX of XXXX. 
Under the Fair Credit Reporting Act ( FCRA ), 1681 ( e ) ( b ), furnishers of credit information are required to ensure the accuracy and completeness of the information they provide to credit reporting agencies. By reporting multiple charge-offs, you are providing misleading and inaccurate information, which constitutes a violation of my rights under this provision of the FCRA. 
I respectfully request that you : Immediately correct the reporting error by ensuring the account reflects the accurate charge-off status, with the correct date. 
Provide written confirmation of the corrections made to the credit reporting agencies ( XXXX, Experian, and XXXX ). 
Cease all further inaccurate reporting of this account. 
If this matter is not resolved promptly, I have also filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue additional legal remedies to protect my rights under the FCRA. 
I expect a response and confirmation of the corrective actions within 30 days of receiving this letter, as required by law. You may contact me via mail or via email : XXXX Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

Mr. Cooper was blocking the sale of my home and has now created a cloud upon my title and I am about to lose the second buyer who has submitted a contract to purchase my home. 
There is no justifying the alleged assignment of a full paid account. 
I have provided Mr. Cooper who claims to acquired their right to service from SETERUS Inc. Seterus Inc waXXXX shut down by Conference of State Bank Supervisors . 
I have provided to Mr. Cooper multiple times the supporting documentation to show 0.00 remains on the Deed they have erroneously assigned and is causing this undue hardship on me and my daughter.
Product: Checking or savings account

On XX/XX/2020, I received a letter from SunTrust Bank which thanked me for opening a " new Essential Checking account ''. This welcome letter also included one deposit slip and three checks to use. The deposit slips and checks had an account number on them. As I have never banked with SunTrust ( or BB & T which is who they are in the process of merging with ), I contacted SunTrust immediately. I spoke with XXXX XXXX who stated he was a Fraud Supervisor. I was given a case number ( XXXX ). Mr. XXXX stated that the account had been opened using my social security number. There was no money in this account which had been opened on XX/XX/2020. Mr. XXXX stated that I would be contacted by their department shortly. 

On XX/XX/XXXX, I spoke with XXXX, another Fraud Supervisor, who stated that it takes 12 business days to complete their investigation so I should know something by XX/XX/XXXX. On XX/XX/XXXX, I spoke with XXXX, yet another Fraud Supervisor, who then told me it takes 15-20 days to complete an investigation. 

On XX/XX/XXXX, I received a statement in the mail from SunTrust which shows that the account was finally closed on XX/XX/XXXX ( 9  days after I first reported this ) and that no money had ever been deposited into Account # XXXX. I called SunTrust again and spoke with XXXX, another Fraud Supervisor, who then told me that my social security number was NEVER used to open this account. I asked how someone could allegedly open an account online ( as they claim this was done ) without providing a social security or tax ID number and without ever putting funds in this account. XXXX told me the case was closed as well as the account and that all " suspicious '' accounts are closed within 3-4 days. This account was opened on XX/XX/XXXX and closed on XX/XX/XXXX - that's 18 days later, not 3-4 days! 

No one at SunTrust ever gave me the same story more than once. Even the timeframe for the investigation kept changing from " soon '' to 12 business days to 15-20 business days, etc. When I told several Fraud Supervisors that this whole scenario sounded like what XXXX XXXX XXXX got in trouble for ( opening fraudulent accounts to generate commissions ), they, of course, denied that was possible. 

Given how much fraud and identity theft exists, this whole scenario greatly concerned me especially when I was originally told that my social security number HAD been used to open the account. SunTrust claims that people open accounts online all the time and that's why they closed them so quickly but that is NOT true as they took 18 days to close this account.
Product: Mortgage

Continuation of Case number : XXXX - I tried to respond in my case, but there was no place to do so, first this has absolutely nothing to do with a foreclosure, my credit score is a XXXX, I have never missed a payment and am looking at purchasing a new house and as I stated only clicked on the link in the email to see the current rates. So please do not send me links about if I am in foreclosure or in debt, I am in neither! I received a letter yesterday from CHASE - the people who have been calling and the link I clicked on stating that they received a request from my on XXXX XXXX, 2017 and expect to have an answer or status update for my by XXXX XXXX. I did not make any request or submit any information, I closed out of the link before submitting anything to them, I certainly did not give them my SS # or request that they process a loan application for me. Their Mortgage Banking Executive Office # is XXXX ; I want this reported and handled ; this is a complete misuse of their power and I have been completely violated, they have no authorization to run anything of mine, let alone call me 14 times a day. 
XXXX XXXX
Product: Debt collection

Debt collector going by the name of " Integrated Services '' threatened actions that they are not legally able to take. I asked them for their address and they became evasive in flagrant violation of the Fair Debt Collections Practices Act.
Product: Checking or savings account

Im trying to change my XXXX information from discover to XXXX  XXXX bank. But cant because all of a sudden they remove XXXX from my discover account and no longer can use my email or phone number at any other bank for XXXX. According to XXXX themselves discover marked my number and email as fraud. 

Im not the only person having this issue. With a XXXX search you can see others in the same situation
Product: Credit reporting or other personal consumer reports

I HAVE CONTINUOUSLY CHALLENGED THE INACCURACIES IN THE INFORMATION PROVIDED TO XXXX, XXXX, AND TRANSUNION. UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED AT THIS TIME. 

XXXX : This account is not mine : XXXX - XXXX XXXX : This personal information are inaccurately reporting in my consumer report : Incorrect DOB - XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
EMPLOYER - XXXX  XXXX - This in incorrect. Please remove this immediately and only report accurate information. 

This account is not mine : XXXX - XXXX TRANSUNION : This personal information are inaccurately reporting in my consumer report : Incorrect Name - XXXX, XXXX , XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
EMPLOYER - XXXX XXXX XXXX - This in incorrect. Please remove this immediately and only report accurate information. 

This account is not mine : XXXX - XXXX
Product: Student loan

Have been in contact with Mohela for months on updating correct payments on XXXX. They continue to tell me it will be updated in XXXX business days each time. I have been calling on this since XX/XX/2022, its has been 10 months now with incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 
The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX {$9300.00} Open balance XXXX XXXX XXXX XXXX   Original creditor XXXX Opened XX/XX/XXXX XXXX XXXX XXXX {$2300.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX XXXX XXXX {$1000.00} Open balance XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX {$620.00} Open balance XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX {$0.00} Highest balance {$12000.00} Highest balance {$12000.00} opened XX/XX/XXXX XXXX XXXX XXXX {$250.00} Opened XX/XX/XXXX These lenders have accessed your credit file : XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX   XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

The above inquiries do not belong to me I am a victim of identity thief Under 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy in demanding the deletion of these Inquiries listed IMMEDIATELY XXXX 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

On XX/XX/XXXX I was in a car accident. The other driver was at fault. My car was totaled. 
The insurance company XXXX took forever to close the claim. XXXX sent the payoff check on or around XX/XX/XXXX to XXXX for my XXXX XXXX in the amount of {$14000.00}. I had GAP insurance with XXXX, XXXX paid {$7000.00}. We all worked together to get the correct amounts and documents to all companies. It took XXXX until XX/XX/XXXX to finish the claim on their end. I paid a remaining balance of {$1100.00} on XX/XX/XXXX when I found out there was a remaining balance holding up my account being closed. 

The pay off was {$21000.00} The total paid was : XXXX XXXX owes me {$1100.00} back immediately. They have horrible accounting practices Come to find out, XXXX closed my account and made it a CHARGE OFF as of XX/XX/XXXX, knowingly I/we were working with XXXX to close this account. This has impaired my credit for XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX. I was on time with my payments. I suffered a total XXXX XXXX from this accident. 

I have contacted XXXX for the past 25 days and 17 business days for them to correct this error and correct my credit on all 3 bureaus. I have emailed the CEO, Chairman and CFO regarding this account error. XXXX on the Executive Team of XXXX accounts can be reached at XXXX. I have emailed them 8 times, I have recorded calls as we all agreed to have recorded calls when they call me or I call them. I have provided them with documentation and requested them to correct my account credit by going back to the date of incident as stated by XXXX, removing all late payments and correcting the chargeoff status on all 3 bureaus with correct amounts reflecting immediately. 

I have not received any updates or letters of credit or resolution in 20 days. I need help. This is unlawful and unfair. I have rights as a consumer
Product: Debt collection

I have no knlowledge of this original creditor. I have never lived in this city. I have had multiple fraudulent accounts appear on my credit report. I have had to call all 3 credit beaurus several times and place credit fraud alerts on my file as well contact the police. I now have to keep my credit files locked and a security freeze at all time. I just had fake names removed off my report. I asked for the addresss to these accounts as they are in XXXX Fl. I dont live there nor have I ever.
Product: Debt collection

Report of Unauthorized Debt Transfer and Suspicious Activity by XXXXXXXX XXXX and Tally I am submitting a formal complaint regarding the unauthorised transfer of my loan from Tally to XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ), and the suspicious practices I have encountered during this process. 

Background : For several years, I made timely, automatic payments of nearly $ XXXX through the Tally app. Recently, I noticed that no payment was debited from my account, and I could no longer log into the app. Shortly afterward, I received an email from XXXX notifying me that they had taken over my loan, but this email was flagged as spam and delayed in reaching me. 

Key Issues : 1. Lack of Notification and Authorisation : I never authorised the transfer of my loan to XXXX, nor was I notified by Tally that this would occur. 

2. Suspicious Communication from XXXX : XXXX  email included a payment plan of $ XXXXsignificantly less than what I was payingwith no explanation or disclosure of the interest rate. Their phone number did not work, and their payment link was non-functional. 

3. Inadequate Transparency : When I finally reached XXXX  from a number I found on XXXX, they provided vague responses, stating Tally had shut down. They refused to disclose critical loan information, including the interest rate, and mentioned they can not support online payments like Tally had. 

Suspicious XXXX  Contact Information : Mailing Address : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Email Address : XXXX ( XXXX domain is inconsistent with XXXX, raising concerns about legitimacy. ) Concerns : The debt transfer was done without my consent or prior notice, which violates the Fair Debt Collection Practices Act ( FDCPA ) XXXX  lack of transparency, unresponsive communication channels, and suspicious email practices suggest deceptive or improper debt collection activity. 

I request that the FTC investigate both Tally and XXXXXXXX XXXX XXXX XXXX XXXX for potentially violating consumer protection laws, including unauthorised debt transfer and deceptive practices. 

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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I did a login to www.poloniex.com ( Poloniex XXXX, XXXX, MA, USA with NMLS ID : XXXX ) I got a 2FA code to my registered email and was successfull in my " Dashboard ''. 
My bank account from Poloniex got XXXX confirmed last year. 

I started to payout XXXX Ethereum ( ETH ) and XXXX Bitcoin ( BTC ), which was XXXX ( XMR ) before I exchanged those coins to BTC. 

Both, ETH and XMR were selfmined with my private computers and for a wallet address to store those coins I was using the service of Poloniex LLC. 
On XXXX XX/XX/2019 ( XXXX CET ) I got a message, that for security reasons my transactions are canceled. 
I have to log in from a known ip address. 
I can not serve this option, while my ip address will change from time to time ( dynamic IP from my local ISP ). 
Then they answered after hours I have to login to the App. I refused this and was not happy, but anyways I tried it with the App while it was already installed since last use of Poloniex. 
Suddenly my account was downgraded to unconfirmed, without any reason. 
I have to KYC verify again. I have no more view of my login, coins, wallets or anything In some days on XXXX XXXX Poloniex is leaving the US markets with a new founded company in XXXX.