23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Dear Board : In XXXX a series of emails ( XXXX ) went between my email and XXXX XXXX, an investment company in XXXX, requesting a distribution of {$35000.00} from my retirement account. I never initiated these emails nor were they visible in my email program. XXXX distributed the money by wire to a fraudulent account in a XXXX Wells Fargo account. This account was set up with my information but another name on the account, unrelated to me. I was made aware of this when I received a letter from XXXX acknowledging the distribution. I emailed, then called immediately denying that I had requested this payout. XXXX was made aware of the error/theft and I immediately went to our local Wells Fargo bank with the police. A search warrant was issued and the money/wire transfer was traced. 
XXXX, Wells Fargo, and XXXX have fraud teams working on this and to date I have all but {$4000.00} back in my account. However, several regulations were broken. XXXX is obligated to confirm by phone that I had requested this. They did not. The hacking of the email appears to be from their end, not mine, per the forensic IT department that I hired. Wells Fargo did not do their due diligence in setting up the fraudulent account. How can an account be set up with my credentials in XXXX in XXXX? Then they accepted a wire transfer with my name on it into an account with someone else 's name on it. Our local police say it is out of their jurisdiction now since it crossed state lines. So who is tracking the criminal? 
No one has assured me that I will recover all my money. No one is taking responsibility at being at fault. But both companies did not follow regulations and rules. They need to be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  violated numerous laws in the conversion of consumers property as indicated in the attached complaint filed in the XXXX XXXX XXXX.
Product: Credit reporting

Attached is a copy of my Credit Score from XXXX/XXXX/2016. There is no reason underneath XXXX green earth that anyone should loose XXXX points due to they moved to a new address. This is the only change I have made to my credit account in the past 90 days. I am not sure why Equifax is deliberately ruining my credit. I do n't know why when I call these people they are still saying I have a mortgage I do n't have. I do n't understand for the life of me why they do this to me every 3 mos. I have filed this same complaint 60 days ago due to Equifax took XXXX points, 60 days ago and XXXX points yesterday. This is a total of XXXX points in 60 days. I am filing a lawsuit against everyone involved. I have filed numerous complaints with the consumer affairs, nothing is ever done. I have contacted Equifax on numerous occasion they just keep telling me I need to report some mortgage I do n't have. I am tired. This has caused me financial harm over the last year. I am done. I contact XXXX and the Federal Government. I have filed a formal complaint and a representative will be contacting me within 1 day. I am sending them over all of these complaints I have filed with this consumer affairs. I am sending over all of the documentations I have sent to Equifax. I am filing a XXXX XXXX dollar lawsuit against Equifax and everyone involved. Equifax has ruined my financial history due to the XXXX. I am XXXX XXXX. I am filing suit due to I am being racial profiled and racially harassed due to I moved and this was the only change I have made in the last 60-90 days. I am being financial ruined due to the XXXX and I am filing a lawsuit for racial discrimination and Equifax is failing to take responsibility for causing me financial harm
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against Equifax XXXX XXXX XXXX XXXX XXXX. I am a victim of identity theft the personnel department XXXX has blocked access to my credit report, I have more than a year trying to fix this situation and they do not do anything they arrange nothing, when you call them on the phone they say they are not available and that they call you back and I am waiting for you until today. 
It is a platform of obsolete workers, they stayed in the past in terms of solutions and above that they do not fix anything, they violate the federal law of credit. When a citizen has negative accounts and is a victim of identity theft and has a report, these accounts must be eliminated from the credit bureau in the next 5 days. On the other hand I can not make disputes via online because they have blocked access. what kind of credit bureau is this that does not work. I 'm already going for more than 2 years with this problem. Dispute staff and fraud department staff are poorly educated and do not help you find a solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on 15 US 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 resulted from an alleged identity theft, nor later than XXXX business days after the date of receipt. These accounts should not be furnished on my consumer report as they are in VIOLATION!! Under 15 us code 1681 b Permissible Purpose of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( XXXX ) 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. NO CONSENT IS IDENTITY THEFT. as a consumer i am demanding the deletion of these accounts from my consumer report IMMEDIATELY.
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 violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act 20 ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress For these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate information, inquiries, as well as accounts that was not mine that have been falsely reporting on my credit reports. I addressed these items was not valid and demanded they be investigated. I also demanded that any information not validated be removed from my reports, and anything that was verified I demanded to see proof of validation within 15 days of completion investigations. All sent certified mail it has been over 45 days and no changes to my reports have been maid nor have there been any proof of validation. According to the FCRA section 609 these agencies are violating my rights and reporting inaccurate and incomplete information as well as information thats completely not mine. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, are the accounts falsely reporting on my reports all information is different on each credit bureau as if there are duplicate accounts. XXXX refuses to remove old inaccurate address XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX and follow suite with Transunion and XXXX which have already removed this address. Even though I informed them of potential fraud. 
XXXX XXXX is reporting my wife debt which was just an insurance error and have been recently rectified and paid through my wifes insurance. Upon speaking with the original debt holder ( XXXX XXXX XXXX ) they informed me that they didnt tell XXXX XXXX that the debt was mind or that I was an co-signer, I was just listed on the paperwork as Spouse and as Father to my wife and daughter the XXXX  individuals who actually received the services falsely being reported on my profile. I requested debt validation from XXXX XXXX directly and they sent over what they have and upon reviewing items sent to me. There is nothing with my signature, nothing obligating me or co-signing, only debt in my wifes name. They have failed to validate the debt concerning me
Product: Mortgage

Some time around late XXXX, early XXXX, I requested a forbearance from my Mortgage company Specialized Loan Servicing. I was granted the forbearance and received a letter stating that I was approved. Approx 6 weeks into the forbearance I was informed that a forbearance would hinder me getting a refinance. I called S.L.S to cancel the forbearance. I was advised to make a payment first, wait till the payment was received, then to cancel so the account would not show a delinquent balance. I did all of the things I was advised to. I followed up with S.L.S customer service to cancel. I was assured that my account was now active and current. Approx 20 days later I called S.L.S back due to missed  calls on my cell phone from them. I called them back to inquire what the issue was. I found out that the money I had sent to get my account active and out of forbearance had been cashed and was sitting in a account as unapplied funds and that the forberance was still on my account. I once again asked that the money be applied to my account and to be taken out of forbearance. A few months passed and I tried to get a refinance. I found out that my credit report currently shows Forbearance/deferment. with this showing, I can not proceed with the refinance. I have spoken with Customer Service@S.L.S approx 8 times and was told that they would send me a letter with the date on it from my cancelling the forbearance. The letters never arrive and when I called back and spoke to a supervisor, I was told that they could not give my anything on paper. I told them I needed to submit something in writing to get the refinance. S.L.S finally sent me a letter by email stating that my forbearance had ended, but they did not put the date that it ended, which I had explained to them that was very important. it has now gotten to the point where I am not getting calls back and the negative still show on my credit. I am starting to suspect that S.L.S purposefully did not remove the Forbearance from my account to pad their forbearance numbers or some other illegal activities. All I am requesting is for S.L.S to accurately report the information to the credit Bureaus and to give me the letter stating when I cancelled the forbearance.
Product: Debt collection

Fair Col lections & Out. Acct.  XXXX . {$21000.00}.   I have no idea who this is, what this is, and ca n'  t IMAGINE who I could possibly owe this much money too!
I sent a letter to the credit bureaus asking them to verify the debt. I did n't receive a response, and now I do n't know what to do! Please help me.
Product: Credit card or prepaid card

Wells Fargo Bank is reporting 2 fraudulent accounts on my credit reports. I have disputed these accounts several times and they were removed from my credit report. Wells Fargo is now re reporting them and is refusing to remove them. I have sent supporting documents proving these are fraud. They sent me documents claiming I made purchases the suppose signatures are not mine and or no where near my Signature!!!! I am able to send in documents showing my signature is totally different! I have sent police reports ID THEFT AFFADVITS and FTC complaint forms. Wells Fargo is not working with my at all in trying to resolve this matter. The following are the accounts that are fraud. 
1.Account Name WF BANK NA Account Number XXXX Date Opened XX/XX/XXXX 2.Account Name WF/XXXX Account Number XXXX Date Opened XX/XX/XXXX They need to look at the signatures because the signatures do not match mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

These hard inquires on my credit report do not belong to me. its inaccurate information and its being reported on my credit. 
XXXX XXXX ( finance ) XXXX XXXX XXXX ( finance ) XXXX XXXX ( auto )
Product: Credit card or prepaid card

I have been in XXXX since XXXX  and calling the bank about these fraud charges to two credit cards. I have been calling and I do not get any where except given numbers to call and placed on hold for hours. 
My two credit cards were stole and were charged at restuarant and other places here in XXXX. I have only one credit card number that was used. 
I am in a court case here because i went to one of the places my card was used and they called the police and i was arrested for going with force. I have another court in XXXX. I have called and called the bank as I stated and I can not get any response except new numbers to call. 
My cards should be refunded for these charges. 
I have put in the complaints with BB & T. Nothing has been sent to me as they said. and I can not get any person from there to help me. I have been calling since all this has happened. 
I was making payments on these cards to save my credit but it took all my money to pay these cards. 
I have this complaint with BB & T but they are not responding in anyway. 
This is a short story of what has happen to me. 
I kept all my cards together and passwords together in a wallet I did not use. 
This was stole from me. 
I have told the story to so many people at BB & T. Some of the people that i actually talk to were gpung to send out forms for me to fill out but I still have not received anything. The only thing I got was numbers to call and placed on hold for hour after hour. 
I am in XXXX and I am here until these charges are dropped on me. I am a vitimin a horrific crime.
Product: Mortgage

I purchased the subject property as a single person. When I refinanced the subject property with the current loan servicer I was married. Since it was our primary residence when I refinanced the property, the lender required my spouse to sign the security instrument ( Deed of Trust ) as a non-borrowing spouse. As of today I have never signed a Warranty Deed giving him any ownership interest in the subject property nor has he been an on any promissory notes associated with the subject property. Hence, the subject property remains my sole and separate property. 

Around XXXX of 2019, my husband filed for Bankruptcy. The subject property was not included in his Bankruptcy since he is not on the note or deed. Around XX/XX/2019 went online to make a payment, but this feature was disabled. The online system advised me to call to make a payment. When I called I was directed to the Bankruptcy Division. I advised them that I am not in Bankruptcy and my spouse has not financial or ownership interest in the subject property as he is not a borrower, on title, and purchased prior to our marriage. Since my y mortgage is not subject to my spouses Bankruptcy, the representative escalated the issue. However on XX/XX/2019 they retained an attorney to object to my husbands plan confirmation and falsely stated he was a debtor and on the deed. Despite several escalations, they continue to service my account as if I was in Bankruptcy including incurring legal fees, disabling payment features, and placing payments in a suspense account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, & XXXX -- -There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error : nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. The identified transactions are not information related to by me as the consumer. 
XXXX -- -- Caine & Weiner XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX -- -- -- Caine & Weiner XX/XX/XXXX, CAINER & WEINER XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX ' XXXX -- -- Caine & Weiner XX/XX/XXXX, XXXX XXXX XXXX XXXX CAINE & WEINER XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report with in 4 days from the date of the receipt of this notice I look forward to your response. 
Thank You,
Product: Money transfer, virtual currency, or money service

Hello - I was directed here from XXXX to resolve this matter, though I 'm not sure I 'm supposed to be contacting you regarding any of this.. so I 'm sorry for wasting your time if this is not who I should be contacting. 

I recently made a purchase on Coinbase for the cryptocurrency ETH, and just a few minutes later I got an email saying my account was closed. After 4-5 days of emailing them to find out why, they finally responded saying that it was XXXX 's decision and they would not be supplying information as to why my account was closed. They also said they would help withdraw my ETH into a new wallet, but now have stopped responding to those emails. 

In a nutshell.. I originally tried to buy {$150.00} in ETH and {$150.00} in BTC from my XXXX XXXX Checking. Shortly after I got two separate emails cancelling both transactions. My friend told me the same thing happened to him, so he switched to try his savings account, and then it worked. So, I verified my driver 's license with the website, so my savings purchase limit would be raised from {$50.00} to {$250.00}. I then got verified, and bought {$250.00} in XXXX. Minutes later I received an email saying my account had been closed, and now here we are 5 days later, I have no access to my funds, and no one from Coinbase will contact me to explain any of this to me. All they said in a generic email, was that the decision was yours. 
my Coinbase account is under XXXX XXXX XXXX - XXXX - XXXX Please, help me if you can, thank you so much. 
XXXX
Product: Credit reporting or other personal consumer reports

My student loans used to be handled by a lending company called XXXX but after XXXX XXXX XXXX XXXX XXXX XXXXt and qualified for student loan forgiveness they transferred my loan to a company called XXXX. I have two issues now because XXXX is continuing to report my student debt as well as XXXX so it appears I have twice as much student loan debt on my report than I actually do.. also XXXX has XXXX violated by the XXXX administration and my account is in mandatory forbearance pending my income driven repayment agreement which should be set at XXXX continuing once the issue is resolved but XXXX is reporting that my payments are deferred and they keep adding interest to the balance in my credit report but there is supposed to be no interest during the forbearance. I would like XXXX to quit reporting and have it removed from my report and I would like a XXXX to report accurately and update everything but I have had no luck and it has caused me to be denied for a mortgage.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX not my account i have no knowledge of it XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was fraudulently opened XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX was fraudulently opened
Product: Mortgage

XXXX ACCT # : XXXX RUSHMORE LOAN MGT SERVICES LLC I have been trying to close this acct for 4 months, receive the Lein, and have the HELOC reported as Paid in Full to the credit bureaus. The attempts have been made verbally, faxed in and submitted their Equity Line of Credit Change Form 3 Times having written 3rd Request in Red on the last form submitted. 

I called the company on XX/XX/XXXX and s/w a HELOC customer service rep and repeated the above scenario. I told the Rep that if the HELOC was not closed, I would report it to the CFPB. The Rep stated he s/w the Payoff Dept and I would received the cancelled Lein advising the closed HELOC within 3 - 5 Business days. As of yet, I have not received anything other then another letter requesting I once again, complete the Equity Line of Credit Change Request Form. 

Per the attached, you will see a Zero Balance and Credit of {$75.00}. The credit was to be applied against their {$74.00} Recording Fee. The funds were submitted to Rushmore via  Bank check ( XX/XX/XXXX ). 

I have never received such poor customer service and the run around in trying to get this reported as Paid in Full.
Product: Mortgage

in XXXX I applied for a refinance with a new lender.since then I have contacted hunting Bank numerous times in an attempt to get the information required for my new loan. 

Huntingdon bank has repeatedly refused to release the important documentation my new lender needs to create the refinance loan.

I've tried numerous times to contact the customer support line in order to get this information released but they refuse to.

every time I've inquired on the status they've pushed back the resolution date they. At one point telling men it would take 24 business days to send a fax. They have also changed their " policy '' several times since XXXX. One day saying they can email information ; the next day saying they can't ; the next day saying any requests for information has to be sent in via fax and can only be returned to that same fax number ; the next day saying they can't send any information to third parties.

After submitting a formal complaint it seems to have made the situation worse and possibly restarted the entire process. at this point when I speak to customer service I can only be told that it is in the hands of the customer advocacy team and that they do not have a point of contact customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I satisfied my account with National Credit Systems in full in XXXX of 2019. I received written confirmation of this dated XX/XX/2019. The account is still reflecting a balance of {$1300.00} with all credit reporting agencies. I have contacted National Credit Systems of this issue and received no resolution. So I have disputed the inaccurate information with all 3 major bureaus. Most recently XXXX  has replied to my dispute stating that the information is being reported accurately and that it will not be updating the information even though I attached National Credit System 's letter with my dispute stating that the account has been settled in full and now has a {$0.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion today because I am aware of 2 separate database glitches they had during  XXXX  and  XXXX  in which everyone 's INQUIRIES were deleted. Once they realized what the glitch had done Transunion ILLEGALLY put those inquiries back on the credit report WITHOUT giving a mandated 5 DAY PRIOR WRITTEN NOTICE. I spoke with a foreign representative for TRANSUNION and he was EXTREMELY rude and told me he could n't help me dispute the inquiries because I was n't affected but I was!!!!!!!