23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

THIS COMPANY STARTED HARASSING ME FOR THE SECOND TIME AFTER I HIRED XXXX LAW TO HELP ME CLEAR UP MY CREDIT. THEY HAVE BEEN TEXTING SEVERAL TIMES A DAY EVEN THOUGH I HAVE OPTED OUT OF TEXTS SEVERAL TIMES. THEY ARE ALSO CALLING ME SEVERAL TIMES THROUGHT THE DAY DURING MY WORK HOURS. I HAVE ASKED THEM TO STOP CALLING MULTIPLE TIMES. I ALSO ASKED THE NAME OF THE VISIT LAST TIME THEY CALLED AND SHE REFUSED TO TELL ME. I ONLY FOUND OUT THE NAME OF THE COMPANY ONCE I CALLED THE NUMBER BACK BLOCKED AND ASKED FOR THE NAME. THEY STATED THEY REMOVED MY NUMBER FROM THE CALL LIST BUT, THIS HAS BEEN PROVEN TO BE A LIE IN THE PAST. I HAVE ALSO ASKED FOR PROOF OF DEBT BE SENT TO THE ADDRESS ON FILE NBUT HAVE NOT RECIEVED ANYTHING.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA605B this information must be blocked immediately until the investigation is over.
Product: Credit reporting or other personal consumer reports

I did not authorize XXXX  services or any other reporting agencies or companys to share my personal information. 
I have asked XXXX TransUnion XXXX XXXX services to remove an delete inquiries and some other reports that I did NOT authorize to be removed from there reports at my request and they have not done so
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

2 certified letters were sent requesting that all accounts that are asking me to pay be VALIDATED not a verification but VALIDATED & send proof of certified copies of the TRUE BILL & Accounting of the accts.to prove this debt is owed to remove fraudulent inquiries, update address, update phone numbers, remove personal statements from credit files and update all information I requested remove all bad address UCC 1-308 WITHOUT PREJUDICE
Product: Money transfer, virtual currency, or money service

I gave my debt card to the girl at the doctors office on XXXX. She stole my info and opened an online account in my name using all of my info with Wells Fargo, on XXXX. ( Wells Fargo is where my checking and savings accounts are. ) I have never used online banking. Then did a wire transfer of almost all of the money in my checking account, to a credit union, on XXXX. To do this they also ported my landline phone number to XXXX as a cell phone number, so that they could receive the code numbers to do the money transfer. I did not have my landline until today. One month of fighting with XXXX XXXX XXXX and I finally had to report them to the XXXX  to get the job done. Wells Fargo does not want to return any of my money. I have made XXXX phone calls to the fraud dept. and they will not do anything to help me. All of the proof that I have is a letter from the bank basically saying they are not returning my money and a phone bill stating that I received credit for the phone service.
Product: Credit reporting or other personal consumer reports

I have been trying hard for a couple years now to have these frivolous, erroneous, inaccurate, and incorrect accounts investigated and corrected. Transunion keeps disregarding crucial legal regulations 15 USC 1681, 15 USC 1681i ( 5 ) ( B ) ( i ) ( 6 ) ( 7 ), 15 USC 1681e ( b ), 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681 ( 5 ), 15 USC 1681c ( c ), 15 USC 1692 , 15 USC 1692c , and more. With the recent CFPB lawsuit against XXXX for their poor handling of credit report disputes, I believe this is a great time to address my problems. This process has been beyond stressful and detrimental to my livelihood. I am disputing the accuracy of the following items on my credit report, as permitted under the Fair Credit Reporting Act. 

XXXX. ) XXXX XXXX [ XXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL, FALSE Date of Last Activity, ACCOUNT REINSTATED AFTER DELETION XXXX. ) XXXX XXXX XXXX XXXXXXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL, FALSE Date of Last Activity, ACCOUNT REINSTATED AFTER DELETION XXXX. ) NATLCRSYS [ XXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, FALSE Date of Last Activity XXXX. ) XXXX XXXX [ XXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, FALSE Date of Last Activity, ACCOUNT REINSTATED AFTER DELETION, HIPA VIOLATION, THEY SOLD MY PERSONAL INFO TO A COLLECTION AGENCY Below you will find impermissible hard inquiries on my credit report that I never gave my written consent for the authorization of which violates 15 USC 1681b, 15 USC 1681i ( 7 ), and more : XXXX XXXXXX/XX/year> TransUnion XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XX/XX/year> TransUnion XXXX XX/XX/year> TransUnion XXXX XXXX XX/XX/year> TransUnion XXXX XX/XX/year> TransUnion XXXX XX/XX/year> TransUnion XXXX XX/XX/year> TransUnion
Product: Checking or savings account

I asked for account number XXXX XXXXXXXX. To be closed due to fraud. I did not open this account.
Product: Credit reporting

For some reason, every time I request my FREE annual credit report from EQUIFAX , i ca n't get it [ they always claim that they ca n't verify my identity ]. But I CAN always get it from XXXX, and XXXX without any problem. 
The funny thing though is that if I go directly to the Equifax website, and buy it directly from them, then 'there ' they do verify my identity and give it ( sell it ) to me without any problem. 
I have even logged-in to their website, sign in with my credentials ( to make sure I am clear in their system ). Then I go to the FREE annual credit report site, request my report from them ( equifax ), and still they wo n't give it to me. It happen every year with them. - I CA N'T get it FREE. But if I pay them, I CAN NOT. Please help. Please help.
Product: Checking or savings account

When sending money with Zelle, I never received any warning notice of any kind until recently. This is a serious hazard that could have be used for fraud and I could have been taken advantage of. This is unacceptable and this needs to be remedied
Product: Mortgage

I applied for a mortgage loan with GSF mortgage corporation on XX/XX/2020. I would be saving over .125 % apr on my loan that would be conventional loan. no cashout. no exceptions needed on my application. my DTI, CLTV, home type and assets meet all of their requirements. I was DENIED the right to even apply. they explained they did not pull my credit report which I will investigate as I submitted an online application. but XXXX XXXX said its not worth it to refinance for XXXX of a point and discouraged me to apply and move forward. I asked multiple times over a three day period up until today when they sent me an email saying they are not interested in completing a refinance loan for .125 % savings which add up to thousands of dollars for me over the longer term. if its because of my race that's un lawful. if its because of something not meeting policy I would understand but they REFUSED to take my business and I asked all the qualifying questions upfront. when I went to work with another advisor XXXX in their company also know and XXXX XXXX. they caught wind of it and XXXX my new advisor stopped responding. I started getting emails from XXXX XXXX again asking why I applied with someone else in their company even tho I kept working with XXXX.
Product: Mortgage

XXXX/XXXX/16 Consumer Financial Protection Bureau, This is in response to a previous complaint filed with the Consumer Financial Protection Bureau ( Case Number : XXXX ) In this complaint I explained that I was told at the origination of my mortgage that if I paid twice a month it would reduce the number of years that I had to pay from XXXX to XXXX. You can refer to the original complaint noted above for the details. 

I would like to register my extreme dissatisfaction with my response from Wells Fargo as follows : They were required to respond within two weeks. They extended this five times because they were not ready. 

They finally left a message that they had a response and sent me a letter. They made no effort to contact me to explain anything. When I called the person who handled the case she was out for ten days and provided another name. When I called the other name she never returned my call. 

Upon receipt of their letter, they simply said that everything was in order. 

I am confounded that in a complaint such as this that Wells Fargo never interviewed the mortgage broker to find out what his understanding was when he filed the application. 

They indicate 'We were unable to locate any information about bi-monthly payments from when your account was originated. ' The ignorance here is unbelievable. They have been taking bi-monthly payments - how do they think it was set up if it was n't originated at the beginning? 

I am, likewise, confused that they did n't include a copy of the application that I signed because I would like to know where it states that paying twice a month would only yield a shorter mortgage duration by one year. 

They included a Truth-in-Lending statement that was based on a fifteen year mortgage but we contracted for twice a month payments that would reduce the fifteen years - where is there a document that explains this? 

They indicate that Equity Accelerator only would send to Wells Fargo principal in the amount of {$170.00} once a month, not twice a month. Where was this explained? Where did I sign anything indicating that I understood this? 

Their customer service people never documented their files when I called to reflect the end date of the mortgage that I was given. They acknowledge that I called but nothing was documented relative to what they said. What kind of service is this that does n't document the details of a call. 

With every other complaint process that is regulated the complainant is offered a hearing if they disagree - nothing was offered. 

Based on this horrible example of service I can now understand why Wells Fargo has been slammed for their poor service. 

It was a great sacrifice to make payments twice a month and then be told that it only saved one year on the mortgage is inexcusable. 

I am consulting my attorney for the next steps that I plan to initiate. 

XXXX XXXX XXXX Cell XXXX Cc Wells Fargo ( XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

My aafes credit account was in collections I was XXXX and they listed it as 30 days late for 12 month while I was away. I disputed this account as inaccurate and should be closed because I paid the balance once I was back and they reported it as paid and closed. My recent dispute with XXXX to have the account closed since it has been well over seven years aafes listed my account as collection for the past 2 plus years when it was reported as paid on the report months prior that is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I would like to state that LexisNexis is in violation of 15 USC 1681 ( a ) ( 4 ), which states that in relation to accuracy and fairness of credit reporting The congress makes the following findings : ( 4 ) There is a need to ensure that consumers reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. LexisNexis is going out and fishing for negative information about me, it an infringement upon a consumers right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). LexisNexis is also in violation of 15 USC 1681b ( a ) ( 2 ) which states ( A ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. LexisNexis did not have a permissible purpose, nor did they have my written instruction to report a bankruptcy on my behalf the consumer XXXX XXXX XXXX XXXX. LexisNexis, without my written consent furnished negative information about a XXXX XXXX Bankruptcy XXXX # XXXX to XXXX. I never gave XXXX or LexisNexis any written consent to report anything on my consumer report.
Product: Student loan

My student loan was discharged from the XXXX XXXX XXXX. Shortly after that this company called Nelnet starts to send me letters that I have to start making payments to them. My student loan debt has already been forgiven.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$910.00}, XXXX XXXX Balance : {$9200.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$18000.00}
Product: Credit reporting

I checked my credit score on XXXX XXXX and noticed a collection from XXXX XXXX under the Equifax report. It has to be a mistake. I had paid my rent each month for the duration of my one year lease. After my lease expired, I talked with my landlord at the time and told him I did not want to renew it because I had found another place to live and I still live there to this day. My roommate ( remained on the lease ) agreed with the landlord to be on a month to month lease agreement at the apartment. The particulars of the lease I do n't know because I was done living there. Your immediate help would be much appreciated
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPD lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds would be impossible and that tracking these transactions was infeasible. The CFPDs findings indicate that Zelle has not only neglected to protect consumers but has allowed repeated offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I received a copy of my credit report and I am disputing some items that need to be deleted. The reason why these items should be deleted is I have not authorized the following accounts below to have a copy of my medical records nor have I never even heard of WAKEFIELD & ASSOCIATES account # XXXX I found this on my report today. I have a copy of my XXXX report attached
Product: Money transfer, virtual currency, or money service

Dear Mrs., Mr. : I am unable to withdraw funds from my Gemini account. I have created an account online on XX/XX/XXXX on the Gemini Trust Company , LLC. The website address is https : //www.gemini.com/. Gemini is a Cryptocurrencies trading platform. The total amount of US Dollars/cashXXXX I have on the Gemini platform is {$1600.00}. I have reached out to Gemini customer support at XXXX on the following dates/times : - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX I have reached out to the Gemini Trust Company 's support team using the following email addresses : XXXX and XXXX. The support team members I corresponded with were XXXX, XXXX, XXXX, XXXX, and XXXX. I have provided Gemini with a copy of my bankstatements to verify my account in multiple instances. Gemini claims that I can only withdraw funds via wire, which is extremely costly to me at the moment. 

Gemini has declined to withdraw funds using the debit card account that I have provided on the Gemini platform, which was successfully verified by Gemini They have refused to allow any other forms of identification verify to assert my ownership of the account. Please note that I now have limited use of my email account XXXX and I am locked out of my Gemini account. 

ALL THE COMMUNICATIONS I HAD WITH GEMINI HAPPENED BEFORE I WAS LOCKED OUT OF MY GEMINI ACCOUNT FOR REQUESTING MY MONEY AND LOST FULL USE OF MY XXXX ACCOUNT DUE TO A SEPERATE MATTER I REPORTED WITH THE SEC CONCERNING XXXX XXXX VIOLATIONS OF SEC REGULATIONS AND PCAOB STANDARDS. I AM UNABLE TO ACCESS MY ACCOUNT AT GEMINI AND GEMINI REFUSES TO PROVIDE ANY OTHER WAY TO IDENTIFY ME AND DISBURSE MY FUNDS IN THE AMOUNT OF {$1600.00}. 



Gemini has refused to provide an alternative solution to withdraw my money from their platform. I have filed a lawsuit in the states of Georgia and New York as well as with the Security Exchange Commission ( SEC ). Gemini 's website ( XXXX XXXX XXXX XXXX XXXX ) claims that the money I have in US Dollars is insured by the FDIC as long as the US Dollars are inside the United States. Below is an excerpt of their website. " U.S. dollar deposits in your XXXX Account held in one or more XXXX  Accounts at one or more Banks located in the United States are held with the intention that they be eligible for Federal Deposit Insurance Corporation ( FDIC ) pass-through deposit insurance, subject to the Standard Maximum Deposit Insurance Amount per FDIC regulations ( currently {$250000.00} per eligible Gemini Customer ) and other applicable limitations. Our policy is to comply, in good faith, with the regulations and other requirements of the FDIC for pass-through deposit insurance, including those contained in 12 C.F.R. 330. '' Sincerely, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Lean XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint because I have received phone call from my banker and he notified me that they received a few application for credit lines on my name, they called me to verify if it was me. I declined these applications and confirmed that I didn't apply for anything, any loan or cards. I been advised to check my credit report because I haven't done that for a while, so, I obtained my credit report and noticed several hard inquires on my report from Transunion that I never authorized. I was shocked. So I have filed FTC Report and I have included in this package. It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. 
I'm representing myself by myself and I do not involved any third party for this matter. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 

It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
Here are the name of 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 
These inquires are unauthorized. I have included in this package : copy of FTC report, proof of address, copy of ID, and SSN
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed to the credit bureau the reasons why   XXXX   XXXX   XXXX   located in  XXXX   XXXX , MN should not be on my credit bureau. I sent this      XXXX   XXXX   2016  , It   has been a year yet I have not received any feedback but yet this is still on my credit report!