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

I am writing to express my deep concern and frustration regarding the numerous attempts I have made to address the fraudulent items associated with my account. Despite multiple efforts on my part, it appears that the issue persists, and I have yet to receive a satisfactory resolution. 

I initially brought this matter to your attention, and since then, I have made subsequent attempts to resolve the issue through your designated channels. Unfortunately, I have not received any meaningful assistance or resolution. 

The impact of these fraudulent activities on my personal and financial well-being is significant, and the lack of prompt and effective action is causing me undue stress and inconvenience. I expect a company of your stature to prioritize the security and satisfaction of its customers. 

I kindly request the following actions be taken to address this matter promptly : Conduct a thorough investigation into the fraudulent activities associated with my account. 
Provide clear communication on the progress of the investigation and the steps being taken to resolve the issue. 
Take immediate action to rectify any unauthorized transactions and remove the fraudulent items from my account. 
Implement measures to enhance the security of my account and prevent future occurrences. 
I believe in the importance of maintaining a positive customer-business relationship, and I hope that this issue can be resolved amicably. I anticipate a swift response and resolution to this matter. 

If the necessary actions are not taken promptly, I may be forced to escalate this complaint to relevant consumer protection agencies and explore legal avenues to protect my rights and interests. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance {$580.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX Balance XXXX {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$5700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.
Product: Credit reporting or other personal consumer reports

I hereby my name XXXX XXXX I am a victim of the credit reach that has happened across the United States I am one of the XXXX billions that was involved I am a victim that has been in the data breach that was hacked from all three credit bureaus my information has been hacked into and fraudulent there's things that I don't know about that's going on on my reports that I have not a clue who and what they are this needs to be removed my credit need to be cleared from from all three bureaus.
Product: Credit reporting or other personal consumer reports

I did get a loan from XXXX XXXX in XX/XX/XXXX of XXXX. That hard inquiry is valid, however the other two from XX/XX/XXXX and XX/XX/XXXX of XXXX are not. 
I did get a loan from XXXX on XX/XX/XXXX of XXXX and did pay it off, but the hard inquiry from XX/XX/XXXX is not one I made. 
XXXX XXXX hard inquiry is not XXXX I made. 
The XXXX hard inquires on XX/XX/XXXX and XX/XX/XXXX are not ones I made. 
The XXXX XXXX XXXX XXXX hard inquiry from XXXX XXXX is not one I made. 
The XXXX XXXX XXXX XXXX from XX/XX/XXXX hard inquiry is not one I made. 
The XXXX XXXX from XX/XX/XXXX is not one I made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid the derogatory account in full. {$73.00} to be exact. The company acknowledged the payment on my credit report however, it still showed as a derogatory account on my credit report. XX/XX/XXXX I disputed the info and it was removed 2 weeks later. 

Now XX/XX/XXXX they have reinserted the information to my credit report still showing derogatory. This is illegal and needs to be removed IMMEDIATELY!
Product: Student loan

I requested an override to my XXXX XXXX payment so that I pay the correct amount and have it count toward the Public Service Loan Forgiveness ( PSLF ). In response to my separate Consumer Finance Protection Bureau ( CFPB ) complaint number XXXX, FedLoan Servicing responded that " Because an override was not requested until XXXX XXXX, XXXX, and no payment was made, we are unable to perform an override for XXXX XXXX. '' This is a wholly unsatisfactory response. I did not pay my XXXX XXXX payment because FedLoan Servicing : 1 ) miscalculated my income-driven payment amounts due to their erroneous interpretation of my spouse 's income three times on XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX ; 2 ) I was advised by FedLoan Servicing customer service agents multiple times by phone that I should not pay my monthly payments until their error surrounding my payment amount was resolved ; and 3 ) I was specifically advised by FedLoan Servicing agents that I would be offered a payment override so I would not miss PSLF qualifying payments ( this was of critical importance to me ). 

The XXXX XXXX, XXXX response by FedLoan Servicing to my complaint did not respond to the arguments I put forth about why my XXXX XXXX payment should be overridden and thus is non-responsive. My request to override my XXXX and XXXX XXXX payments because of their miscalculation error was approved. The company did not provide any logical reason why they could override the XXXX and XXXX payments but not the XXXX XXXX payment. 

A FedLoan Servicing agent indicated during my last interaction with the company by phone on XXXX XXXX, XXXX that the decision was being reviewed. Three months later I still have not received a response to my concerns. 

I request that FedLoan Servicing respond to my complaints and override my XXXX XXXX payment so I can pay the correct payment amount and have it qualify for the PSLF. 

I have attached the text of my original complaint and the responses I have received to date from FedLoan Servicing. 

Thanks for your attention to this complaint.
Product: Money transfer, virtual currency, or money service

PAYPAL PREVIOUSLY SAID THAT MY MONEY WOULD BE MADE AVAILABLE FOR TRANSFER ON XX/XX/XXXX You were also informed that your Account balance would be held for up to 180 days, at which time we would email you with information on how to access your funds. WELL THAT WAS A LIE, I WAITED 6 MONTHS AND THEY DO THIS TO ME??? OH NO, I HAVE CONTACTED THE WISCONSIN XXXX ATTORNEY XXXX XXXX, WHO REFERRED THE MATTER TO THE CONSUMER PROTECTION AGENCY. I WILL BE CONTACTING AN ATTORNEY. I WILL NOT ACCEPT THE STANDARD YOU AGREED TO THE ACCEPTABLE USE POLICY BOGUS PREFABRICATED RESPONSE.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX a consumer report with information furnished by Experian was disputed. Experian expressed that they would contact the companies reporting the information and instructed them to review and verify the accuracy of the information, provide a response and update their records / system as necessary. Based on the response from the companies Experian deleted some but not all of the disputed information leaving alleged certified information determined by the companies furnished on the consumer report despite the verification/ certification from the consumer. XX/XX/XXXX another consumer report was investigated with finding of disputed and inaccurate information furnished on the report which has caused damages to the consumers financial reputation and credit worthiness. The consumer was denied credit extension for family and household purposes due to the inaccurate furnishing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of extreme identity theft reported, numerous times. 
A Chase Visa card was fraudulently opened under my identity. 
I have In multiple occasions tried to contact Chase Bank to resolve this issue. 
I have been rerouted around and ignored, concerning this matter. 
This credit card was reported as bankruptcy, months prior to my attempt to file bankruptcy. 
I have public records and credit reports, reporting this fraudulent activity that is not mine. 
I was told I had know identity theft and that it was my card and my bankruptcy claim. 
This has ruined my financial wellbeing and and helped to enhance the already legal turmoil, I am enduring.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX XXXX : XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance {$260.00} Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Collection : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$260.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance {$520.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance {$500.00} Inquiries : XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TRANSUNION Collection : XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX Balance {$1600.00} XXXX XXXX XXXX  Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$260.00} 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out recently that someone, clearly someone pulling something fraudulent, had XXXX pull a HARD credit against my name and SSN. I was and am furious that someone did this as this caused my credit score to decrease. It is appalling that XXXX did not contact me at my mailing address or landline phone to see if this request for services from them in MY NAME with MY SSSN was legit. 

The date of the HARD credit inquiry was XXXX/XXXX/XXXX. 

Per TransUnion I rang XXXX and it was a total fiasco. They told me to go ONLY in person to XXXX. XXXX in person said that they could do NOTHING and that the credit bureau has to dispute/remove the hard credit search. 

I DO NOT HAVE time to deal with this so I need this HARD credit inquiry to be scrubbed from ALL of the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Roundpoint wrongfully forceplaced insurance on our home XX/XX/XXXX to XX/XX/XXXX. 
They sold the mortgage to XXXX XX/XX/XXXX. 
We have sent evidence of insurance for the period in question through my insurance agent as well as myself by phone & fax. They will not accept emails. A new person answers each time and claims not to know the previous person that attempted to resolve the issue. Most recently it was XXXX in XX/XX/XXXX ( we were told a refund check would be mailed. Never received ). Then XXXX employee # XXXX was looking into the issue additionally requesting I share documentation by fax. Today XXXX  ( " XXXX '' ) advised they saw notes on file. Checking into the matter of a refund. Put on hold for over 20 minutes then call dropped. All persons communicated with are polite but no action or follow through occurs to refund the premium.
Product: Mortgage

Every month Wells Fargo Home Mortgage increase their number of calls to me From about the XXXX of month. Grace period is to the XXXX. I always pay before the XXXX. 
It will start on the XXXX with XXXX to XXXX calls and then by the XXXX XXXX it is up to XXXX to XXXX. I kn ow I have to pay the mortgage. 
Also they will not work with me on my 8.8 % interest rate.
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 no 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 for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several attempts made to remove uknown or authorized inquiries on my credit file to these companies listed with no progress.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX - account numbers XXXX and XXXX. ( Please see page 5 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Debt collection

You guys sent me a letter for a debt to be paid. But it's not mine. The name on it is not me. For an address that I've never lived at. But somehow y'all have my email for this random person.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a car for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. The biggest violation yall are in is HJR 192. As all depths are prepaid, there is no valid claim for any further payment. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and SECURITIES FRAUD. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed Immediately.
Product: Credit card or prepaid card

a payment from XXXX XXXX of {$3400.00} was taken from my account from unknown person. A claim was filed and money was replaced but before I can access it, it was stolen again. I filed another claim and it was denied. A second payment for {$3100.00} was stolen AGAIN, I never had access to it.I called to make transfer to my checking apple with a BOA rep gave her my bank acct info and the money NEVER made it to my checking account. I filed a claim for that fraudulent case and was also denied. They said I authorized it but the ONLY person I authorized was the BOA rep that helped me on telephone to make transfer because I was having trouble logging into my online account. WHERE SID MY MONEY GO????? 
Please help I believe this is an internal fraudulent activity within the BOA employees
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. 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. I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists These accounts are in clear violation of 15 USC 1681 XXXX/DEPT OF ED {$1800.00}, XXXX/DEPT OF ED {$11000.00}, XXXX/DEPT OF ED XXXX XXXX XXXX/DEPT OF ED {$2200.00}, XXXXDEPT OF ED {$4300.00}, XXXX/DEPT OF ED {$14000.00}, XXXX/DEPT OF ED {$14000.00}, XXXX/DEPT OF Ed {$16000.00}, XXXX/DEPT OF ED {$9600.00}, XXXX/DEPT OF ED {$4900.00}, XXXX/DEPT OF ED {$2800.00}, XXXX/DEPT OF ED {$10000.00},
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud, I have a fraud alert on my credit report and have disputed several inquiries with XXXX, and transunion with no resolve. Please see the following. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit bureaus four notarized dispute letters through certified mail on XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019 asking for the bureau to furnish the original documents used in their method of verification for ten accounts which still remain unverified. After 30 days, each time the bureau failed to provide any documentation, instead merely saying the accounts are verified, which would be impossible to do without taking the previously addressed steps. This is a violation of FCRA Section 609 ( a ) ( 1 ) ( A ). XXXX, in particular, has also failed to correct my name on my credit report. XXXX   continues to display variations of incorrect names of other people, and TransUnion has submitted their responses late after 30 days on two occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT INFORMATION ON MY CREDIT REPORTS : US XXXX COURT-XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Finance XXXX XXXX XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Banking XXXX  Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Finance XXXX XXXX   XXXX Show Details XX/XX/XXXX Automotive XXXX   XXXX Show Details XX/XX/XXXX Banking XXXX   Show Details XX/XX/XXXX Automotive XXXX   Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX FI Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX XXXX XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Automotive XXXX XXXX Show Details XX/XX/XXXX