23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for a mortgage loan with he company New American Funding. I got pre approved for the mortgage. And started the process started. Loan officer XXXX XXXX was my loan officer going over everything I needed to secure the loan. I sent in everything that was required to be sent it. And XXXX told me I got a conditional approval. I had to wait on the underwriter to tell me what I needed. So she finally did and I sent that in and the next step was with the processor XXXX XXXX. All of a sudden things got slow it would take a day or so for her to respond. She never did let me know what was going on I always contacted XXXX and she always alerted me. On XX/XX/2020 @ XXXX XXXX I contacted her to see what was the hold up on the appraisal and she told me it would be done that day and she would let me know. XXXX XXXX then asked me if I was XXXX? As if that was a problem I hung up the phone in disbelief and immediately told XXXX of what happened. She said to me " Oh ''. I told her I don't want to work with XXXX anymore and XXXX said so you want me to find you another processor? I told her something has to get done about that. She said she was going to go pull the call. Then she said she would see if her manager could pull the call because she doesn't see anything. Then said in the meantime send XXXX what she needs so we don't slow down the process. I then expressed how I felt and told her I was getting a lawyer and then XXXX said she was getting management involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts and personal information reporting inaccurately on my credit report file. The following accounts are reporting inaccurately : Incorrect Address : XXXX XXXX XXXX ( Experian ) Incorrect Address : XXXX XXXX ( Experian ) The following accounts status is reporting inaccurate. I was never late on the following accounts : XXXX XXXX - Open XXXX Bal. {$130.00} ( I was never 30 days late ) XXXX - Opened XXXX Bal. {$22000.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$4700.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$8000.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$1800.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$2600.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$6000.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$8300.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$6000.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$8600.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$23000.00} ( I was never 120 days late ) The following accounts is a result of identity theft : UNKNOWN - Opened XXXX ( XXXX  ) UNKNOWN - Opened XXXX ( XXXX  )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX! 

XXXX XXXX XXXX has utilized validation documents that violate my XXXX rights. I have complained about this several times and you have done noting about it. I am enclosing the unlawufl document for you to see and thus is is what was provided to me for validation Thus breaking federal law. 

As you can see it contains my doctors names and the services provided but have been x-d out to prevent you from seeing this., both illegal. Only the entity name is allowed and certainly no services! 

This document is unlawful for XXXX XXXX XXXX to have in their possesin, and they see in violation of the law and you are too. 

Please remove these accounts : XXXX XXXX XXXX from collections on my account asap. 
or I will file suit in 10 days. 

thank you kindly, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX  XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX  XXXX # XXXX, has violated my rights XXXX XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX  XXXX XXXX, has violated my rights. 
XXXX  # XXXX has violated my rights. 
US DEPT OF EDXXXX # 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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

During XX/XX/2018, I disputed specific accounts and inquiries via mail that are fraudulent on my credit report. I am a victim of Identity theft and it is vital that all of these items are blocked and deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belongs to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to correct any accounts which are found to be opened due to identity theft. Please correct these accounts : XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX Balance : {$320.00}.
Product: Debt collection

I am submitting this complaint regarding an erroneous entry placed on my credit report by National Credit Adjusters. On XX/XX/XXXX, National Credit Adjusters added an account to my credit report that does not belong to me. This account is linked to a payday lender, and I believe it is the result of identity theft. On XX/XX/XXXX, I was notified that my Social Security number had been compromised due to a data breach and subsequently discovered that it was available on the Dark Web as early as XX/XX/XXXX. Following this notification, I carefully reviewed my credit report and discovered the erroneous entry. To address the matter, I filed a dispute with XXXX Credit Reporting Agency about this information. They contacted National Credit Adjusters on XX/XX/XXXX. I provided them with an explanation that my Social Security number had been compromised, and I informed them that this account does not belong to me. Despite these efforts, the company declined to remove the incorrect information from my credit report. For further context, I have documented evidence of several breaches and Dark Web disclosures involving my Social Security number over the past year : XX/XX/XXXX : Data breach - Social Security number XX/XX/XXXX : Dark Web - Social Security number XX/XX/XXXX : Data breach - Social Security number XX/XX/XXXX : Dark Web - Social Security number XX/XX/XXXX : Dark Web activity found These breaches and Dark Web activities directly contributed to this identity theft issue. I am requesting your assistance in addressing this matter with National Credit Adjusters to have the erroneous information removed from my credit report. This situation has caused me significant stress, and I need this resolved promptly to protect my credit standing. Thank you for your time and assistance in this matter. Cordially, XXXX XXXX
Product: Credit reporting or other personal consumer reports

- Name : XXXX XXXX - Social Security Number : XXXX - Date of Birth : XX/XX/XXXX This complaint is filed under FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting XXXX, Equifax, and XXXX to block information on my credit report that resulted from identity theft and fraud. Specifically, I seek to block the following fraudulent entries : XXXX. An inquiry at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX accounts have led to several fraudulent hard inquiries and collections on my consumer FICO credit report. I have attached a list of these inquiries, along with a copy of the consumer FICO credit report maintained by XXXX, which includes the fraudulent items. I do not recognize any of the accounts, collections, or hard inquiries mentioned above, as they were not initiated by me and are a result of identity theft and fraud. 

I have also attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof that all the aforementioned entries are due to identity theft and fraud.
Product: Debt collection

Dear Sir/Madam, I am writing to file a formal complaint against Spring Oak Capital concerning an unresolved issue with a disputed item on my credit report. Despite my repeated attempts to resolve the matter directly with Spring oak Capital, the disputed item remains inaccurately listed on my credit report, causing significant damage to my creditworthiness and financial well-being. 
Background : In XX/XX/year>, I disputed a collection account listed by Spring Oak Capital on my credit report. In XX/XX/year>, it appeared on my credit report via XXXX XXXX XXXX  website as deleted. But the disputed item has not been deleted from my actual Credit PROFILE with XXXX.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  TRANSUNION AND XXXX  ARE DISPLAYING THREE CLOSED ACCOUNTS THAT ARE DISPLAYING LATE PAYMENTS THAT OUGHT BE MITIGATED FOR THE XXXX DISASTER AND MY WIFES XXXX AND XXXX XXXX THAT BEGAN XX/XX/2019 AND LASTED ABOUT A YEAR. 
THE THREE ACCOUNTS ARE XXXX  XXXX XXXX  XXXX, XXXX  XXXX, XXXX. ALL THREE ACCOUNTS HAVE BEEN PAID IN FULL INCLUDING ALL INTEREST AND FEES AND WERE NOT SETTLED OR NEGOTIATED FOR LESS DUE TO HARDSHIP OR NEAR BANKRUPTCY. 
MY WIFE BECAME XXXX  AND XXXX XXXX IN XX/XX/2019 AND RECEIVED XXXX FUNDS AT THAT TIME FOR A PORTION OF THE YEAR XXXX XXXX GOING INTO THE TIME FRAME OF THE COVID19 XXXX. 
Our current household income of XXXX was reduced to my salary of XXXX during the year of XX/XX/2019 for about a year total till my wife was able to work as a XXXX  PART TIME. 
Due to the staggering loss of income, my wife 's inability to care for herself or the children, we moved in relatives with us to help and I footed that expense as well. 
We are asking for some mitigation on the unintentional lates caused by XXXX and pandemic and the fact that we made good on our total debts even though it was almost impossible and Bankruptcy looked like the opnly sensible action. 
We have disputed these accounts many times providing information but are limited by space for explanations. 
The lates were caused unintentionally, primarily by acts of XXXX.please mitigate the severe harm taking into consideration my situation and the fact that you were paid in full without compromise.The lates are harming my ability to buy a much needed home for our growing family and the damage they inflict to that loan process I feel is not deserved.
Product: Credit reporting or other personal consumer reports

On my background check my information is inaccurate. It does not say how my case was concluded. The XXXX counts of destruction of property case. This has prevented me from obtaining a job and currently an employer that has hired me requires that my background check be accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX XXXX ( XXXX ) ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM EQUIFAX, XXXX  OR XXXX. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.
Product: Debt collection

Back in XXXX, I mailed a dispute letter to Waypoint Resource Group requesting debt verification. Additionally, the letter instructed Waypoint to stop calling. Verification was not provided, and I continue to receive calls. I received another call today and, via email, was provided with someone else 's XXXXXXXX XXXX. Same name, but I've never been an XXXX customer. The provided billing address didn't even match mine. They have the wrong guy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

I have XXXX major problems with Nelnet. Since they bought my XXXX loans, they reported me late while knowing I was in process of filling out the XXXX to defer payments because they said this is wrong, that is wrong, etc and I filled it out several times then they marked XXXX accounts late and would not change them when credit bureaus asked despite my loan deferral finally being approved. That process of going back and forth took over 90 days and being late over 90 days on XXXX accounts cost me almost XXXX points on my credit, I was furious and disputed it numerous times and each time they refused to change it even though I was in good standing. That was terrible service and unethical but I figured it was probably legal. Now, they combined my XXXX loans without my permission reducing my credit age and changing the type of loan and the terms of the loan, which again dropped my XXXX XXXX, this time XXXX points. I do not have anything negative on my credit except nelnet, I take care of my bills. I do not feel that is legal. I want nelnet investigated. I want a new servicer if possible and I want punitive damages.
Product: Checking or savings account

Our business deposited checks into Santander Bank 's ATM in XXXX XXXX We discovered during an audit that Santander shorted us over {$1100.00} in deposits, as in, we deposited 12 different checks and Santander reduced how much we received due to an error to their ATMs. 

When approached they acknowledge their ATMs have a 3rd party company service them, and they did not catch these errors in any of their audits. Now they are refusing to credit us the missing funds on some of those checks. We earned the money, we were paid the money, we deposited the money and Santander did not correctly credit our account with that money. 

During our dealings they told us they were not responsible because we did not catch the mistake ourselves. Additionally they told us we would need to contact the issuer on our own, our customer, to recover these funds. Over a mistake their machines and their lack of oversight made.
Product: Debt collection

I received a letter from a 3rd party debt collector who was attempting to collect a debt of XXXX. on or around XX/XX/XXXX. I wrote a response and mailed it XX/XX/XXXX certified mail asking for more information about the debt before further collection attempt be made. the letter from the debt collector showed the last date a payment was made on this account was on XX/XX/XXXX. In Washington state the Statute of limitations to collect is 6 years per ( RCW XXXX ) I stated in my letter if in fact this debt was mine it would be to old to collect by law. The Debt collector didn't provide any information that I requested via my response letter sent certified mail, and in turn sold the junk debt to another collection agency. this should be a direct violation of the law per FDCPA. Thank you for reading my complaint.
Product: Debt collection

Phillips & Cohen Associates , Ltd. is a debt collector. Is attempting to collect debt I do not own for XXXXXXXX XXXX  I been disputing with XXXX XXXX  for a year now they dont want to delete this and keep selling the information to different collections agencys the amount they want is XXXX $
Product: Credit reporting or other personal consumer reports

My credit report shows XXXX XXXX Potentially Negative Date Opened XX/XX/XXXX Balance {$41000.00} Status Account charged off. {$47000.00} written off. {$41000.00} past due as of XX/XX/XXXX. 
Do you see information you believe to be inaccurate? 

This is incorrect, this credit card belongs to an LLC and not me personally and should not appear on my credit report.
Product: Money transfer, virtual currency, or money service

My friend used Cash App to send me . XXXX. The money was sent to me XXXX XXXX XXXX. My cash app account name is XXXX XXXXXXXX. The money was sent on XXXX/XXXX/22 at XXXX XXXX XXXX XXXX. It was sent by XXXX XXXX her name for the service was XXXX XXXX. The money was received by them the ID transaction is # XXXX from XXXX XXXX. 

I have been trying to get this money placed into my bank account for two days. I have not been successful. I contacted support to get the money placed into my account or send it back to her. They refused. I have been talking to them for four hours. They were telling me to do things that were not available for me to do. 
I then asked them to place the money into my bank account which was registered to them as the place for me to receive money. In addition, I could place it on a debit card. I had a problem with my card, and I had it canceled. 

I am writing you this XXXX XXXX XXXX  XXXX because I am in a financial emergency. I am overdrawn at my bank. I owe my car insurance and am trying to hold on to a credit card before it is canceled. My friend tried to help me and temporarily fix my problems. I am due to start work but not until the new year. I do not even have money to go to work. That is what this money was for. It is not lost. they gave me some completed procedures that I do not know how to implement via my phone and told me I had to wait 14 days to get the money back. I don't have 14 days. Where is the {$200.00} dollars sent to them? How can they keep her money for 14 days? I just want the money back. Why are they illegally making her do a short-term loan before they cancel the transaction and give her the money back? We have purchased nothing from them. How can they hold her money?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA is in violation of several consumer protection laws.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I initiated a wire transfer of {$30000.00} from my Gemini account to my externally linked XXXX XXXX account. It was noted by an automated message from Gemini that my funds would clear within one business day. Up to this date, XX/XX/2021, the transaction still has not cleared with my bank account nor has this been bounced back to my Gemini account. The money simply is shown as withdrawn.

I have attempted to reach Gemini multiple times on the following dates, but still have not heard back from an actual representative from the company. I have only received automated responses with little to no details. 

XXXX XXXX ( request through Customer Service website ) XXXX XXXX ( email to XXXX XXXX XXXX XXXX ( request through Customer Service website XXXX XXXX XXXX ( XXXX Gemini-support and Gemini XXXX XXXX XXXX XXXX XXXX email to XXXX ) -XXXX XXXX ( email to XXXX ) -XXXX XXXX ( request through Customer Service website ) -XXXX XXXXXXXX ( XXXX XXXX XXXX ) -XXXX XXXXXXXX ( email to XXXX ) I have reached out to my bank, XXXX XXXX multiple times and they have noted that they can not review the transaction on their end since nothing ever came through. I have yet to receive information from Gemini.
Product: Debt collection

I contacted Fred Myers/cbna about my account that opened XXXX/XXXX/XXXX and closed XXXX XXXX. They have not furnished information to XXXX credit bureaus to have it removed. My 7yrs FCRA limitation is being violated. Fred Meyers said they ca n't find these old accounts, so how are you reporting back to credit bureaus if you do n't have my old information available.