23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Sir/ Ma'am, I am submitting this in regards to a negative credit report that was generated due to a delinquency on my account that I was never made aware of. To give you a background, I was using the direct debit feature with Fedloan Servicing to regularly pay my student loans. When I went back to school to obtain my degree the payments were froze by Fedloan. Once I graduated I called and make sure the amount taken out was accurate once it was regenerated. I was told everything is up to date ( XX/XX/2019 ). In the same month I joined the XXXX XXXX as an XXXX and moved my residency. Apparently, what I was told was inaccurate information because the loans that was accrued when I went back to school did not get attached to the direct debit that was coming out of my account. This caused a delinquency that was never brought to my attention. Apparently the email that were being sent were going to an un-monitored email. I never received an email, letter, phone call, or any other notification that there was a delinquency. How I found out about this mess, was through a credit reporting agency, XXXX, that monitors my credit score. I was notified by them that my credit score went from XXXX to XXXX, overnight. My heart sank. Once I figured out the source, I called Fedloan Servicing, paid the delinquency and put the account in good standing the same day. In addition I corrected the address, email, and contact information they were incorrectly using. As an XXXX in XXXX XXXX, it is my nature to take responsibility for issues that occur in my life. The problem with this is, my credit score will remain falsely low due to the delinquency. I have spent a total of 8 hours on the phone with countless representatives from Fedloan servicing. One agent by the name of XXXX, tried to help, but stated she can not make this go away. I have called her numerous times and left voicemails, emails, and had other agents try to get in contact with her, but she refuses to return my calls. I have submitted pre-deployment paperwork, as she advised me to do, yet I continuously get denied. I have been told by every agent, they wish they could reverse the negative reporting but " their hands are tied ''. I have disputed the negative credit reporting twice and been denied and have another dispute open, I will continue to dispute every time it gets denied. 

This negative reporting comes at the most inconvenient time. I am currently up for promotion with the XXXX. Without promoting there are consequences. I am being told by my commander that if this reversal does not take place by the beginning of the year, I am in jeopardy of corrective action. My fiance and I are currently building a house, if this credit adjustment does not take place, I am in jeopardy of not being approved for a loan once it is complete. We have spoken to loan officers and they say the same thing, 'this must be reversed '. I am praying for any assistance to get this negative reporting off my credit. At this point I have no other choice but to keep trying.
Product: Credit reporting or other personal consumer reports

XXXXm submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which are being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I began the process of refinancing my current reverse mortgage in XXXX, I was informed in early XXXX that the loan was approved and everything was moving on fine, we were just waiting for the appraiser and the property survey. I paid {$2400.00} on the survey which took everything from my emergency funds. This was done in early XXXX, what they were wanting was for someone to tell them that Zone D was not used in this area. I contacted HUD and they sent an email informing the underwriters that the flood mapping was not used in this area as there was no way to get certificate of elevation. I have been calling everyone I could think of trying to find out if there was such a thing for the area I live in and not even the County offices of XXXX XXXX has this information, this in an unmapped area and covers all of the unincorporated areas. I was told in the middle of XXXX that the paperwork from my original reverse mortgage will be used and the loan could continue. Then at or around XX/XX/XXXX I got an email demanding a statement from someone the the Certificate of elevation be written by someone, they had me call my insurance company, the FHA, HUD or anyone else that just I am above the 100 yr flood zone. I have sent all information that is on the FEMA web site that states there are no information regarding the flood level in zone d. Therefore I am not able to provide them with the certificate they are requiring when it does not exist. I feel that the underwriters are only following what AAG has in their manuals and refuse to accept the fact that this can not be done and are not using due diligence to take further steps to check that the information I have given them is true. They have refused the approval of the loan until the receive something that does not exist. I am a the widow of a XXXX XXXX on a fixed income, they have already made me use my emergency funds for the survey and holding at least {$11000.00} in a trust account to pay property taxes for which I am exempt from paying. I feel that I am being discriminated against because of a Certificate of Elevation which does not exist. How can they demand something that doesn't exist then refuse to approved the closing of my loan when I already have a reverse mortgage with this company.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc ) due to inadequate customer service and unfair practices which violates consumer financial protect protection act. ( CFPA ) specifically cash app. Failed to take timely effective measures to prevent in address fraud on their platform. Leaving my account vulnerable and unprotected. Furthermore dispute resolution process. Was unfair and deceptive as they did not comply with error resolution requirements under the electric fund transfer act ( EFTA ). And regulation E. These actions has caused an significant inconvenience in financial loss and I am seeking appropriate red dress for these violations
Product: Debt collection

Block the identity theft-related information from my credit report as mandated by FCRA Section 605B . Immediate action is demanded to comply with the law, and notifications to all information furnishers must be sent promptly. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$8500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$18000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$13000.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$5900.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance : {$26000.00} XXXX Please remove these accounts immediately.
Product: Credit card or prepaid card

To whom it may concern, I trying to pay my credit card Chase Sapphire Preferred bill using the remittance coupon from the bottom of my credit card statement as a conditional acceptance 15 U.S. Code 1693o1 - Remittance transfers I also got a credit line decrease back in XXXX XXXX from XXXX to XXXX I was suppose to receive a letter stating the reason for decrease but I never received one.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a letter to dispute the legal name of the bankruptcy court was sent to equifax with additional reports listing the same inaccurate name in my credit file. Equifax replied with a letter listing my entire name ( first, middle, last ) stating they were unable to find my credit file in their database. Yet, my letter of dispute only lists my first and last name! Since they do not have me in their database, how do they know my middle name? 

I wanted them to delete the bankruptcy because they have never reported this item with the legal name. They reported the court 's name inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2021 I sent a dispute to TransUnion LLC for money alleged owed to XXXX XXXX  XXXX in the amount of XXXX dollars as a charge off I have challenged the amount owed. And have requested all documents that may bear my signature or social security number. Thirty days later TransUnion failed to mark the item as disputed, or give the method of verification used to support the reporting of the inaccurate amount of XXXX dollars, On or about XX/XX/2021 I sent a second dispute notifying TransUnion LLC an explaining to TransUnion that I have still not received the method of verification and to no available conclusion no information has been provided to consumer. On XXXX XXXX I sent a third dispute letter and a copy of my counter claim to the civil suit with XXXX XXXX XXXX for Violation of the Fair Credit Reporting Act. XXXX XXXXk XXXX XXXX file initial civil suit around XX/XX/2021 ) Consumer filed a request for production with the Court and received a response from XXXX  XXXX XXXX that they would investigate the matter and produce all documents pertaining to my counterclaim. ( Also sent to TransUnion for it pacifically stated they had to investigate ). About XX/XX/2021 TransUnion still refused to give consumer method of verification or remove the inaccurate reporting of the XXXX off my credit report for TransUnion willful disregard of the FCRA. Consumer then sent a Notice of Cease and Desist of reporting the inaccurate information ; alleged amount owed for the reason that XXXX  XXXX XXXX pacifically stated they had to investigate my counterclaim to their civil case. To date XXXX XXXXXXXX XXXX has still not verified any request but has ask for an extension of time through the courts and TransUnion still has not verified any information they are reporting under this account. 
For these reason I turned to the Consumer Financial Protection Bureau after numerous attempts amongst both parties ( XXXX and TransUnion ) and neither one has accurately investigated or reported the information as it relates to FCRA and the Consumer.
Product: Debt collection

I basically owe them money and I told them while I was in the middle of work, over the phone, that I will have to make a lower arrangement then they was offering because Im living check to check and is homeless right now and they got loud and very rude over the phone saying that they will contact my job and tell my boss that I owe them debt which its NONE of my bosses business to discuss my personal finances
Product: Money transfer, virtual currency, or money service

I sent money to coinbase to purchase digital assets. I haven't done anything, but coinbase locked my account for 30 days due to suspicious activity. I even had to verify my identity a second time. They stated that there is no way to expedite this process. What suspicious activity? All I did was sent money to coinbase. They are holding my money causing me to miss the window of opportunity of investment that I was anticipating. I have been checking everyday with anxiety!
Product: Credit reporting or other personal consumer reports

I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX All is being investigated by the FTC and CFPB XXXX According to FCRA XXXX this information must be blocked immediately until the investigation is over. Since XXXX business days from receipt of this communication allotted under the XXXX XXXX to block these entries, it should be understood that failure to do so within a XXXX business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA XXXX XXXX XXXX ( XXXX ) ( A ) ).
Product: Money transfer, virtual currency, or money service

I had PayPal linked through my XXXX account. This allowed me to withdraw and deposit money into my PayPal account. I got a notification that there was a {$40000.00} deposit into my XXXX account through PayPal that I did not make. I then saw another deposit into my account using the linked banking account. I contacted XXXX, and they said there was nothing they could do because it was taken from the account that I had linked to PayPal. The problem is that I no longer had access to my XXXX account. When I tried to sign in, the login information did not work. I alerted them that my account had been hacked, and they continued to say to take it up with PayPal. When I called PayPal, they said it was my fault since I had linked the account. They are calling for collections for the {$40000.00} since they say I owe them this money since they sent it to XXXX. I have chatted ( online ) and called their customer service, and they refuse to help saying I am liable for the money that I did not withdraw. 

After sharing my story with others, I have heard that this is a common practice/complaint with PayPal. They should not allow such a large payment without approval from the account holder. 

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

This complaint is about the unauthorized LexisNexis inquiry that was performed XXXX, XXXX, XXXX on me. I learned about this LexisNexis search from an XXXX credit report dated XX/XX/XXXX, report # XXXX. I did not give permission verbally or in writing to anyone or any party to conduct any LexisNexis inquiry or search about me. LexisNexis did not provide this critical information after I formally requested it. 
For this unauthorized LexisNexis search, I called XXXX the same day I received the copy of my credit report. XXXX representative advised me to call LexisNexis. 
I then called LexisNexis asking to know who requested the LexisNexis search on me. Their representative said We dont know the party, request your whole file. As part of that phone call, I requested my whole LexisNexis file. The LexisNexis representative told me that this is the only information available to me for this unauthorized report about me. 
On XX/XX/XXXX I received a damaged envelope from LexisNexis that contained only 19 pages of the 400-page report. I reported this loss to the USPS and to LexisNexis immediately upon receipt. 
On XX/XX/XXXX I received the full LexisNexis report that was 400 pages only to find that it did not include the information I needed the identification of the party who requested the unauthorized LexisNexis search about me dated XX/XX/XXXX. LexisNexis did not provide the critical information the identity of the person originating this search. I was and am extremely concerned about the sensitive information in this report. I am concerned that I am the target of identity theft. ( I froze my credit with all three credit bureaus immediately. ) As part of my own due diligence and wanting to know if vendors serving me - XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, my local utility companies, XXXX XXXX, XXXX XXXX, and XXXX might have initiated a LexisNexis search, I called them and they said no. None of these vendors requested a LexisNexis search on me. In fact, I was advised that it is not a normal business practice.
Product: Checking or savings account

I reached out to their chat service. I specifically requested in chat to have my debit card turned off. The agent tried to direct me to call in regarding another escalated manner but I simply needed my card turned off. After advising the agent that failing to close my card is a serious regulatory issue the agent advised that they blocked the card. Several days later the debit card was able to be utilized for a digital purchase because the agent did not block the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I founding fraudulent account on my credit record some one used my information and opened the accounts I listed.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft. This letter serves as formal notification of this crime and as an official request to block all fraudulent information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under sections 605B and 1681s-2.Under section 605B of the FCRA, I request the immediate blocking of the fraudulent entries listed above from my credit report. The details of these fraudulent accounts do not pertain to any transactions made or authorized by me.

Furthermore, pursuant to section 1681s-2 of the FCRA, I request that you ensure that information from these fraudulent accounts is not reported to other credit bureaus, and that you conduct a thorough investigation to prevent further erroneous reporting.

Attached, please find a copy of my FTC Identity Theft Report and a government-issued ID for verification purposes.

I understand that you are required by law to comply with this request within four business days of receipt and to notify me of the results of your investigation promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account with Account Number XXXX. I am not responsible for any charges made to this account. 

Enclosed are copies of of my police report ID numbers from XXXX XXXX Police Department supporting my position. I've tried disputing with XXXX, XXXX, and XXXX. The credo bureaus remove it, however Chase Bank continues to report this fraudulent account unto my report.Therefore, I was advised from a staff member at XXXX to deal with the creditors individually to prevent further confusion. Please have them close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account. 

I've requested for Chase Bank to send me a copy of the consumer contract with my signature on it as referenced in the Fair Credit Report Act Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) for verification purposes because I do not recognize this account, and it does not belong to me. Up to this point, I've been waiting on the requested information and have been provided with nothing. Therefore, I am requesting for this particular account to be removed from my credit report according to my rights in Section 611 ( 5 ) ( A ). 

In addition to support my case, please review the past complaints I've submitted with the bureaus. They continue to say the account is mine but it does not belong to me. They have also not conformed with the Fair Credit Reporting Act. CFPB please review complaint ID numbers : Chase CFPB Complaint : XXXX Credit Bureaus Complaint ID : XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I submitted a complaint for a discrepancy on my credit report. On XX/XX/year> the company responded stating that they would send my information to the credit bureaus and the inquiry would be removed after 60 days. It has been 6 months since the response was sent from the company and the discrepancy has been on my report for over 12 months now. It is completely unfair that I have had to go through this process to no avail from the company. 

The representative that was on the complaint has yet to return any of my calls. I have left messages and still no response. Here I am stuck for over 12 months with something I did not even do. Its truthfully unfair how it takes 5 minutes to obtain an inquiry on your credit but you have to challenge the company so much harder to remove it. Who else do I need to contact for this to be removed?
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was closed due to inactivity as my local stores in my vicinity had closed down & should not be a detriment to my credit score. My payments were always paid!
Product: Checking or savings account

My tenant deposited the check on XX/XX/19. Initially, there was a problem with the check. So Wells Fargo, decided to put a 15 day hold on the check. My tenant then got proof of funds from XXXX XXXX   showing that the funds are in fact available and have been available since XX/XX/19. 

My tenant, the depositor then faxed a letter to Wells Fargo showing proof of funds. Wells Fargo has continued to drag their feet in expediting these funds so they deposited into my account. The check is for {$870.00} and it's deposited into my account every month for the entire year - same amount, same accounts. 

I have a family and children. My children depend on this money to eat and basic living. We're literally waiting on this check to clear so we can continue to eat and live normally until the next payday as I'm back to work next week. The attitude of Wells Fargo is " I don't care ''. I don't care about your family or when they eat. They are terrible in terms of understanding and expediting when necessary. My case number with Wells is XXXX. I spoke with XXXX XXXX and she told me it takes 24-48 hours to speak with her manager XXXX XXXX. I asked to speak with the CEO XXXX XXXX. There's no way to escalate to his office. 

Right now, my children need to eat and we as a family function normally. The money has been available since XX/XX/19 actually XX/XX/19 but it was a timing issue. It is now XX/XX/19 and I'm told I won't be paid until XX/XX/19. Unacceptable - especially to my children who need to eat. Please expedite and send to president/CEO XXXX XXXX. I'd like a phone call from him personally. Thank you.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you XXXX be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Product: Debt collection

I got the bill from RMP <LLc for XXXX what should i paid since I have the bill always paid by online by XXXX XXXX I have XXXX XXXX and medical... I don't undertand the bill since XXXX XXXX XXXX # XXXX and I change to XXXX # XXXX Since I don't known what the bill for and send me the collection