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

Multiple requests for investigation into a bankruptcy showing on my TransUnion credit report. TransUnion refuses to investigate and provide any documentation. I have also submitted multiple CFPB complaints. I am now seeking monetary damages. TransUnion refuses to investigate and respond to CFPB complaints. Instead, they treat it as a " dispute '' and close out the information as " verified ''. I have attached all legal documentation to this complaint proving TransUnion is fabricating information.
Product: Credit reporting

I recently met with an attorney regarding errors on my credit report and learned that XXXX XXXX XXXX is incorrectly reporting mortgage account information on my three credit bureau reports. My last payment on my XXXX XXXX XXXX Mortgage was dated XX/XX/XXXX ; therefore, the status date on the account was XXXX. This account should have been removed from my three credit reports XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

On several occasions, I have written letters to XXXX XXXX  asking them to explain an alleged debt that is reporting on my credit report. They have failed to respond to a single letter. 


XXXX XXXX Acct # XXXX Alleged Debt Amount : {$1000.00}
Product: Mortgage

This is the appeal I sent to Spservicing. 
I initially reached out to SPServicing in XXXX because I had lost business due to the corona virus. They offered me a forbearance on my mortgage payment. I had never been late on my mortgage payment. I accepted the forbearance but I really wanted a modification. I asked repeatedly about applying for a modification but was told I had to wait until my forbearance was over. At that time, one of the options was to have the forbearance added to the back of my loan. I was sent paperwork that had that as an option. I called about once every other week to find out what was happening with my loan. My forbearance kept being extended. After the initial forbearance I was offered an unemployment plan. They said that at the end of that time someone call and I could apply for the modification. 
On the XX/XX/XXXX I received paper work offering a repayment plan. The repayment plan was to pay {$4600.00}. A month for two years. I was shocked that I would be expected to pay this amount. I thought the whole point of the forbearance was to help people in need. First of all, the repayment figures are incorrect. My loan is an adjustable and I had just received a notice that my new payment was reduced from {$3300.00} to {$2800.00} on the first of XX/XX/XXXX. My loan adjusts the payment every XX/XX/XXXX. This repayment had me paying 24 payment of {$3300.00} instead of the amount that I am responsible to pay, {$2800.00}, and how does anyone know what the payment will be in XXXX? This was in addition to the {$31000.00} broken down monthly for two years. 
This amount is beyond what I could afford to pay. We are still in the pandemic and it has gotten worse instead of better. 
I called and asked why I wasnt allowed to add this amount to the back end of my loan and was told that I couldnt do that because I missed too many payments. I was never told there was a limit and I asked this many times. I also wonder why I couldnt apply for a modification. I was denied even applying. There is no explanation for this. 
One of the problems has been that everytime I call I get contradicting information. 
I want to apply for a modification. I dont want to lose my home. 
I have lived here since XXXX and have managed to hold on to it through divorce where I had to refinance and pay off my ex husband. At that time my problems started by having to get an adjustable loan. I have had years where my payment went up {$700.00}. And I still managed to pay my loan and I will in the future. I have an XXXX XX/XX/XXXX and a XX/XX/XXXX and have always been able to pay the mortgage, taxes and insurance until this pandemic. I want to have a lower payment that is fixed and it could even be extended if possible. I just want to keep my home. 
Please let me know what I can do to pay this debt in an affordable manner and to continue with a modified loan. 
Thank you for your consideration. 
XXXX XXXX XXXX from my XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXXXXXX Account Name : XXXX Account Name : XXXX  XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX reviewed my credit report and found the following items to be in error. I am a victim of identity theft and did not authorize the charges. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that's you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an update of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Credit card or prepaid card

Unauthorized purchases totaling {$7300.00} we're made against my Bank of America XXXX XXXX, which is where my unemployment benefits from the state of California were posted. I filed a dispute request on XX/XX/XXXX of XXXX. On XX/XX/XXXX, Bank of America denied my request for provisional credit. In XXXX of XXXX, I requested my claim be reopened based on the class action lawsuit against Bank of America. This judgment clarified provisional credit must be granted and disputes must be reopened for claims made against this prepaid government benefits card. It has been over 90 days, and this dispute still has not been resolved. I have not received any provisional credit. On XX/XX/XXXX I called the customer service line at XXXX XXXX processing, and spoke to a customer service representative, who advised me my claim had been escalated to an escalation team and that provisional credit was not required to be granted, as Bank of America made a decision within 10 days of me filing a dispute. There is nothing in the Code of Fedderal regulations that states provisional credit will not be granted if a decision and determination regarding the claim is made within 10 days. Bank of America has exceeded the 90 day time frame as specified in the CFR, denied my request for provisional credit, and did not complete their investigation in a timely manner. I am requesting provisional credit to be credited to my account immediately, and I want Bank of America to provide me a written explanation of their investigation findings, which was conducted in XXXX of XXXX. There is no way that a thorough investigation could be completed within 7 days, given the number of claimants during this time who had disputes against Bank of America for unauthorized purchases and transactions taken out from their EDD benefits.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Request for Investigation and Removal of Hard Inquiries Under Section 611 ( 15 U.S.C. 1681i ) Dear Esteemed Equifax Team, I am contesting the information on my credit report that I believe is not correct. Specifically, I am disputing the hard inquiries listed on my report that I did not authorize. In accordance with Section 611 ( 15 U.S.C. 1681i ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct a reasonable investigation into these 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 all creditors will be tagged also. 

The information provided has not been proven to be true, correct, or verified as required by law. Under FCRA guidelines and Metro 2 format standards, you are required to ensure that all information in my credit report is accurate, complete, and verifiable. Without factual proof of permissible purpose from the creditor, these inquiries can not remain on my report.

I am specifically challenging the reportability of these hard inquiries based on the following : 1. You must confirm that the creditor had a permissible purpose under Section 604 of the FCRA ( 15 U.S.C. 1681b ) to access my credit file.

2. Provide physically verifiable evidence that these inquiries were authorized by me.

3. Demonstrate compliance with all FCRA and Metro 2 reporting standards, ensuring that the information you are reporting is accurate, valid, and compliant.

I demand that you remove any inquiries that you are unable to verify as accurate and authorized. Additionally, I request that you provide physical proof of the following : Evidence showing the creditors permissible purpose for the hard inquiries in question. 
Documentation of the steps you have taken to investigate this matter and your findings. 
If you are unable to verify the inquiries as compliant, accurate, and valid within the legally mandated timeframe, I expect their removal from my credit report immediately. I also request that you mail me a copy of my updated credit report reflecting these changes to help me stay informed about the progress made. 
It is your responsibility to ensure that all information in my credit report is certified as true, accurate, and in compliance with applicable state and federal laws. Failure to do so makes the reporting of this information questionable and potentially unlawful. 
Thank you for your judicious attention to this matter. I look forward to receiving confirmation of the actions taken and an updated copy of my credit report. Should you require additional information from me to proceed, please let me know promptly. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

To whom it may concern ; I have a problem with coinbase account. I moved back to XXXX from USA for almost three months. Before I moved back here. Ive already contacted about using account in XXXX. They said I can continue using the account in XXXX so I didnt close it out. Then when I'm in XXXX, I tried to login to my account multiple times. They keep asking me to verify my XXXX ID with address and bank statement to prove my country of residence. Ive already sent everything for them ( my case number is # XXXX ) but I still cant login to my account. I need to sell my crypto and withdraw my fund. Its been almost 3 month that i cant login to my account. Ive contacted them via XXXX XXXX and email since XX/XX/2023. I also read online and see that a lot of people have the same problems like me without any reasons. I think the coinbase company locked my account and others so they can withdraw the funds by themselves. Please help me from this scammer. I invested around {$14000.00} but not sure how much left with the market price now. Let me know if you need more information. Appreciate!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian, XXXX and XXXX about deleting the XXXX Account. XXXX XXXX requested this account to be deleted two years ago, yet it still hasn't been deleted. 

Account # XXXX Original Creditor : XXXX XXXX XXXX   XXXX Sold : XXXX XXXX XXXX Account Type : REVOLVING The XXXX XXXX Account SHOULD BE DELETED AS WELL. Both were paid satisfactorily and are reporting incorrectly.
Product: Student loan

I have not been properly informed about the PSLF ( public service loan forgiveness ) and have attempted to have the department of education evaluate the number of qualified payments I have made since I entered the public service program as a XXXX XXXX XXXX in XXXX. I submitted the form for the pslf to certify the number of payments and have not received any information since I submitted the certification. Although I have previously sent certifications which were completed by my school district administration and have never received a response to date, I am referring to the most recent certification which was submitted several months ago. I was informed that my loans would be transferred to XXXX within a month, but the loans are still being serviced by Nelnet. The pslf program was pitched to the prospective students at XXXX  XXXX XXXX XXXX - XXXX XXXX as a means to draw attention to a benefit of becoming a XXXX XXXX XXXX in high needs areas. I would like to know where I stand in the required 10 years of qualifying payments towards the forgiveness of my student loans. I was uninformed by the loan agents who assisted me that the qualified payments reset after each consolidation again to take advantage of a different interest rate or to combine additional loans. 
Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the accounts, which you denied. I submitted sufficient information for you to perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually, I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have never been late on these accounts so please remove the late dates on these accounts ASAP.
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 proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress Of these violations
Product: Debt collection

Jefferson Capital systems bought a debt from a company that tried to place something on my credit report after being unsuccessful they sold the debt to Jefferson Capital systems. The original debt came from a company by the name of XXXX XXXX XXXX once XXXX XXXX XXXX was removed from my credit report XXXX XXXX sold the debt. I owe no money to XXXX XXXX, Jefferson Capital systems or XXXX XXXX XXXX. I've reached out to the country several times for them to show me all documents pertaining to this debt. I still have not received anything showing that I am responsible except for them reporting this information on my credit report falsely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hasve recently checked my credit reports and I seen that there were some inaccurate Accounts : XXXX XXXX : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Your company XXXX is furnishing inaccurate and incorrect information to the XXXX XXXX XXXX. Furnishing this information has caused severe damage to my character, my reputation, my general way of living, and my ability to obtain credit for personal and house hold purposes. You and your inaccurate furnished data has damaged my livelihood.
Product: Debt collection

I took out a personal loan with Loan Me, and after I got sick with XXXX  I couldnt work anymore or pay any of my debts. 
So Loan Me transferred my debt to XXXX XXXX XXXX, this company calls me XXXX times a day or more. 
And last week they called & text : My Father / My Sister / My XXXX XXXX XXXX daughter & My Ex-Husband!!! 
In the text messages they disclosed how much I owe them and they also tried to negotiate down the debt so they could probably pay it off for me. 
This was very embarrassing and Ive been very depressed!! My sister is also mad at me & not talking to me over this!
Product: Money transfer, virtual currency, or money service

Below is a copy of the letter sent to the XXXX XXXX XXXX XXXX, XXXX XXXX, at Wells Fargo Bank. 

XX/XX/2022 Dear XXXX, In response to your investigation conducted over the past couple of weeks regarding the international wire fraud of {$60000.00}, my comments are as follows : -I reported this wire fraud within an hour of the occurrence by calling the Wells Fargo XXXX branch manager and requesting a Swift recall. 
-I was told that a recall had been initiated and that Wells Fargo would involve the FBI as part of the process. 
-I put a hold on my accounts the same day, XX/XX/2022, Ref. # XXXX -The next day, XX/XX/2022, I went to the Wells Fargo XXXX branch and met with XXXX, XXXX and XXXX XXXX They assured me the wire recall was being escalated and that the Fraud Team was on it. 
-On XX/XX/2022, we changed all my accounts, opening new accounts and closing the old ones. 
-I began changing all my other personal accounts and changing usernames and passwords. 

Then, I waited, checking each day for updates. A case number was issued XXXX I did receive a couple of messages, telling me that Wells Fargo was investigating. You also sent me a message stating that a response would arrive by XX/XX/2022. But then, I received another message from you, requesting more time and your response would come on XX/XX/2022. 

When I read your email response on XXXX XXXX XXXXXX/XX/2022, I was stunned. 
You stated, " That due to a high volume of fraud cases, a recall wasn't sent until XX/XX/2022. '' This is totally unacceptable. According to your response, the FBI was not involved at all. I am extremely disappointed by Wells Fargos lack of performance, on my behalf. 

I have returned to the Wells Fargo XXXX team and expressed my dismay at the entire process. I am considering action against the bank for inadequate action and performance. 

Thank you for your time, XXXX XXXX.
Product: Debt collection

We have been getting robo-call messages on our home phone answering machine asking us to call XXXX XXXX XXXX XXXX every few days for months. The message says that it is from American Express and is not a marketing call. I called back and they say we do not owe anything, but they continue to call every few days. Auto-dialer does not allow phone to be picked up while it is leaving message.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act. The list of accounts below has violated my federally protection consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account NAME : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX, Has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A section 2 : its also states a consumer reporting agency can not furnish a Account without my written instruction 15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information in inaccurate
Product: Checking or savings account

I have had issues with Chase Bank and tried several times to fix this issue and Im just learning I can complain with you all. Chase bank twice failed to protect my money and I sent it several documents requested by chase and the denied my claim. I had an account that was close I think that account number ended in XXXX. Month ago I tried to get those transactions but they claimed they didnt have them but th are supposed to keep records 7 years. One transaction was for a little over {$1500.00} when my vehicle was supposed to be repaired but the shop failed to repair it and CHASE BANK didnt protect my money around 2019 it will be the only transaction in that amount range for a XXXX XXXX XXXX Also another time a transaction around XXXX XXXXXXXX {$750.00} from XXXX XXXX located in XXXX Texas on both of these times because they feel like they could get away with it I was screwed and I felt powerless and I still to this day want and need my money. Like I said I have tried multiple times over these time frames to get my money back and Chase Bank didnt take me serious because they felt like they had the upper hand in this situation. I NEED SOME HELP GETTING ALL OF MY MONEY BACK. The reason I went to Chase is because Im expecting eventually funds that is going to require me to have a personal banker but if they are screwing me with small funds like this how would they treat me with large sums of money? At one time Chase was my primary bank but after several fail attempts to get my money back that rightfully mines Im convinced Chase doesnt give a dam about people they consider as a nobody. I need help getting my money back and I need your help to make Chase do what is right and not what they want to do I want all claims that is attached to my social security number that was denied by Chase to be refunded to me. Im not asking for anything free but Im asking for what is owed to me.