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

Hello CFPB, I am filing this complaint on the three credit bureaus. 

I am informed XXXX, Transunion and XXXX XXXX XXXX XXXX was result of Identify theft.. 

Each credit Bureau informed me they sent my dispute to XXXX XXXX XXXX and it can take up to 30 days to be investigated. 
: My complaint is regarding the following statue : 15 U.S. Code 1681c2 - Block of information resulting from identity theft. 15 U.S. Code 1681c2 says the following : ( a ) Block Except as otherwise provided in this section, 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 by such agency of.

( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I want to remind all CRA of statue 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

15 U.S. Code 1681o - Civil liability for negligent noncompliance ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
Product: Payday loan, title loan, personal loan, or advance loan

Lenders parent company ( Wheels financial ) has previously been prosecuted by former State of XXXX  Attorney General XXXX XXXX for exploiting legal loopholes in order to larcenously extract much-needed resources from indigent American citizens. 

State Attorney General XXXX had previously stated in 2016 that any online lender attempting to repossess your car is in fact stealing your vehicle : repossession attempts for contracts of this nature were deemed unenforceable by the State of Michigan Attorney Generals Office. ( https : XXXX ) Twice-a-day harassing phone calls with threats of repossession and claims that I have broken the promise No modified payment plan with modified interest rates were presented as an alternative to repossession ; hard threats of repossession made, leading to psychological damage in the form of extreme fear of loss-of-livelihood as a DoorDash food delivery driver Lender is enforcing a 95 % + XXXX, which is an inherently abusive business practice intended to XXXX the indigent of their seriously-limited resources Lender took physical possession of my car title, which is unlawful in the victims home state of Michigan Lender ( Parent company is Wheels Financial ) has a long documented history of preying on those in an extremely desperate financial situation. 

A company that is similar to XXXX XXXX XXXX XXXXXXXX XXXX, the owners of Liquidation were prosecuted in court for larceny by false pretenses and were given prison sentences for their involvement in their criminal enterprise
Product: Credit card or prepaid card

After filing a dispute, Nordstrom refuses to credit back my credit card in the amount of {$1300.00}. On XXXX XXXX, 2022, I was told by XXXX XXXX that all life policies had been cancelled. The Nordstrom credit card payments made were never properly credited. Dispute dates are : XXXX XXXX, 2022, XXXX XXXX, 2022, XX/XX/2022, & XX/XX/2022.
Product: Mortgage

When the Coronavirus Pandemic began, the Governor closed both of my XXXX XXXX. I contacted Bank of America and worked out a series of two loan forbearance plans. I received confirmation in the mail for the forbearance. I recently called to let Bank of America know I am back on track and made monthly payments via electronic bill pay through XXXX. 
I was told by the BOA representatives they don't see the forbearance plans nor authorization for forbearance. I told them I had letters and emails to prove this was offered and accepted. They began telling me I needed to fill out a multiple document approval form ( s ). I reminded them I was not told this during the initial approval. Bank of America debt collectors are demanding payment in full on my primary Mortgage & HELOC immediately. They sent a packet to me via email that is secured and I am unable to open. Several others are reporting similar treatment from BOA. At one time during the conversation, the rep. Told me BOA had a transition and some of the data may have been lost?? She seemed very confused and uncertain. The second rep. From another dept. Was extremely rude and kind of told me off. 
I no longer feel comfortable with Bank of America or their associates. 
I have a XXXX year old son and XXXX years of age. Please help me. XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On a XX/XX/2022 and again on XX/XX/2022 a company called " Genesis Financial Solutions '' withdrew money from my bank account with no authorisation or remit to do so. 
Both transactions were underwritten by a company called " XXXX ''. 
I was able to stop payment on the fraudulent transaction dated XX/XX/2022 with my bank. However I was recovering from major surgeries and missed the XXXX transaction. 
I have contacted both XXXX and Genesis Financial and neither company are prepared to assist in any way, despite having given both companies all the relevant information and attempted to lodge fraud complaints with them. 
Genesis are the final recipients of the stolen money, but they were facilitated by XXXX. 
I have attached screen shots of the two transactions but I am unable to provide any more information as that is all I know. 
This is clearly fraud, and I would appreciate any assistance in not just recovering the stolen money, but ensuring these companies can not merely steal money from apparently random accounts on a whim.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XXXX XXXX and I noticed some things were reporting incorrectly. I sent a letter to TransUnion on XX/XX/year> asking them to reinvestigate the completeness and accuracy of my accounts here is my tracking XXXX. However, I waited the required amount time, they said everything was 100 % correct. I asked them how and to send me the description of the investigation based on 15 USC 1681 ( 7 ). They did not provide that which is on violation of 15 USC 1681 ( 7 ). They also violated 15 USC 1681 ( 5 ). They also violated 15 USC 1681e ( b ). this does not make any sense to me.
Product: Mortgage

I am currently in the foreclosure process with Nationstar Mortgage XXXX a.k.a XXXX XXXX XXXX. On or about of XXXX XXXX, XXXX Nationstar started the foreclosure process. Prior to that I sent them a check in the amount {$17000.00} to catch-up on my mortgage. This amount was good through XXXX XXXX, XXXX. On XXXX XXXX, they sent the check back to me telling me that the total amount required to bring the account current was {$21000.00}. I received this letter on XXXX XXXX. I contacted them the same day and was told that the number changed to over {$270000.00}. I am now being told that in order to reinstate my mortgage in need to pay them in excess of {$31000.00}. I have made numerous attempts to make payments to get my mortgage reinstated. I have also requested that they provide me in writing what legal fees I am required to pay them. I was told this morning that they do not have to provide that to me in writing. I have the means to reinstate my mortgage and move forward with making my loan payments. They are refusing to work with me. I so have equity in my home and I suspect that they are trying to force foreclosure so they can take my house and sell it for a profit. I am asking your assistance in this matter. 

Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX, and I am submitting this complaint on my behalf. I have been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I sent them letters over 30 days ago and they failed to get back with me and they failed to notate that these accounts were in dispute plus these accounts violate the FCRA and FDCPA these accounts must be deleted immediately.
Product: Debt collection

This company is still being lying scammers they are as Ive already complained about this company & fully explained the situation. 

My new issue currently is the fact they lied to you guys ( CFPB ) claiming that they deleted the collection off all 3 credit bureaus. Its been over 30 days & it is still showing on my credit when they said to wait merely 10 days for the change to be adjusted. Im afraid they were lying because as I read theyre response it raises a red flag Why would claim to have cleared the matter & in the same response to ( CFPB ) & consumer say that you can contact our clients & were offering 50 % discount for deletion! These guys are professional fraudsters. 

That itemized bill is complete fraud. 

I hate that I even have to go through this! After all the blatant disrespect & slander Ive taken from this company in the last few months I deserve better man seriously.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach. As a result, unauthorized accounts and inquiries have appeared on my credit report. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I respectfully request that the following accounts be blocked and deleted from my credit file. 
Accounts to be Blocked and Deleted : XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account Number  : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX  XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. Chapter XXXX Bankruptcy Case Number : XXXX Date XXXX XX/XX/XXXX Amount : {$0.00}
Product: Credit card

I was given the reason that synchrony bank close my account was due to multiple cards high balances and not having real estate assets. The fact of the matter is, Ive significantly paid down my credit cards debt and outstanding medical bills. My credit score has gone up in the past 30 days I believe a factor they close my account is due to MYAGE. I paid off my XXXX XXXX  card, and Lowes credit card with synchronicity in the last 60 days Synchronicity decided To recently close my Lowes card After it was paid in full, they also close my CareCredit account and my Crate & Barrel account. I was not past due on paying my credit cards, but because I had auto pay set up, they attempted to withdraw a payment several times From an old bank account within the same pay Period when I didnt have funds available. 

I enjoyed having the cards open and appreciate them extended credit to me. They are A major factor at driving down my credit score, driving up my interest rates Making it that much harder to reduce my debt with other credit card providers. 

Again, I am a woman of a certain age that doesnt own real estate that has a steady six figure employment. Age and sec is playing a factor here which is discrimination. Their analytics programs should be investigated and my credit score should have any negative impact reversed by the credit bureaus.
Product: Money transfer, virtual currency, or money service

Sent money thru Zelle and they said sent but never sent
Product: Credit reporting or other personal consumer reports

Social XXXX on experian the late payment from selene finance supposed to be removed from my account XXXX i sent documentation to experian lettered head from XXXX XXXX dated XXXX XXXX and XX/XX/XXXX and XXXX XXXXXXXX to removed lates payments
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1000.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. EQUIFAX refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that EQUIFAX upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had some unauthorized transactions on my Acct and I made them aware of that. I called to check on my dispute status and they closed my acct because my voice wasnt deep enough to be a man and I find that highly offensive. I kept being called maam and after correcting them they kept doing that. Then suspended my acct with out even telling me. At this point I just want my remaining funds from the acct. I dont even wish to continue banking with you guys. Ive struggled with being judged all my life and never would have thought I would have to deal with it as an adult. I told the agent that my id was stolen along with my card and I dont have the funds to get another id because my acct with all my money was suspended. Is there anything you can do to help me that would be greatly appreciate
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I disputed negative and inaccurate and incomplete information on my credit report with all three bureas Transunion, XXXX XXXX on XXXX, XX/XX/20, XX/XX/20 and they have yet to respond to any of my letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC Consumer Dispute Center I wrote the exact same information to transunion conserning the same compalaint i am making today. 

-- -- On [ XX/XX/2020 or XX/XX/2020 XXXX I disputed an account reported XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXn the file you maintain under my Social Security number. 

I was informed on XXXX  XXXX and XXXX XXXX XXXXat the item was deleted from my credit report. 

Now I have discovered that the item has been reinserted on my credit report.

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

1. Requirements relating to reinsertion of previously deleted material 2. Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. 

-- -- - I have contacted this company and i have the othere two about the account that keeps coming back on to my credit report. thank you for reading this and i appretiate your help thank you.
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 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 a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, an auto loan account opened atNXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$750.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. 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, credit repair services, or other personal consumer reports

American Express notified my employeer I had an outstanding balance with them of {$19000.00}. I never put that much debt on this card. I have repeatedly asked for signed receipts showing these were my charges, which I never received. This erroneous claim cost me my security clearance, which in turn has cost me job opportunities and extensive decrease in income
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian reported the bankruptcy was verified through XXXX XXXX and the courthouse, both entities report they have NOT verified this information with either party. Experian has refused to re-investigate this matter.
Product: Credit reporting or other personal consumer reports

there are inquiries on my credit report that dont belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account : XXXX XXXX.Account number XXXX and Account number XXXX In those2 months I have not received the requested information for verification of these account. I have asked numerous times for a valid response. I have not received anything in response from this bureau in over 30 days as well. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these unverified accounts as of today. Thank you
Product: Debt collection

This account on my credit report should be removed as soon as possible I did not authorize anybody to sign me up for this account this account is fraudulent activity if this doesnt get resolved as soon as possible I will use legal action
Product: Money transfer, virtual currency, or money service

I am unable to access my account on Coinbase due to miss configuration of my address and nationality. Im trying to call the company and email them for more than a week but all channels they advertise do not work and I keep going into loops. 

I moved to the US few months ago and trying to provide my US address but the system keeps referring to my old address in the XXXX XXXX XXXX ( XXXX ). Also I hold a XXXX passport but because I was living in the XXXX, the system is insisting I should provide a XXXX passport which I do not hold. 

I am unable to access my account and manage my account because I am unable to complete the verification as explained above. Please help so I can get back the control of my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I haven't gotten one response from the bureau 's in the mail. I have been disputed for months now. This is out of control. I don't know how the credit bureau 's can act in this manner. So disrespectful they way they operate.
Product: Payday loan, title loan, or personal loan

I have borrowed {$3100.00} from Rise Credit but have paid back to date {$8600.00}. However, my balance showing on their web page is still {$1400.00} as of today XX/XX/XXXX. I sent them an e-mail about this today but I don't expect them to budge as they never have before. 

After I made the first few payments to Rise I asked what their interest rate was since my payments were going up each month and they quoted 198 percent. If that is so, how could I still owe them {$1400.00}. That interest rate is extremely high. Rise did not inform me of this interest rate at the beginning of the loan. 

As a widow since XXXX with XXXX children to raise and educate, this has had a terrible impact on my finances. 

Can you please help.