23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have read that Experian is guaranteed to fulfil with the FCRA regulation section 605b but regardless of all my labours to notify Experian about the theft of my Individuality and that the items were never mine, Experian never feel a concern nor paid any care to my Disputes. They became neglectful of the FCRA law and continued reporting this information on my File without Proper Confirmation or Examination. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially ... and I would truly not what to pursue a legal remedy ... DELETE this account instantly : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I pulled my credit report and an account to Flagship credit acceptance is showing past late payments in my credit history. I sent a letter to all XXXX major credit reporting agencies to dispute the accuracy of the account and asked them to provide proof of the late payments that are being reported in XXXX. These letters were sent via certified mail on XX/XX/XXXX and to date I have not been provided with the information requested nor has the item been removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion file number : XXXX XX/XX/2020 shows a phone number XXXX is not my phone number and it belongs to a company and it needs to be removed on page 1 of 11 under Personal Information or Transunion needs to provide proof of such number in personal cell phone name.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/2023 ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$7600.00} ; XXXX XXXX Balance : {$11000.00} ; DEPT OF ED XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX  XX/XX/2023 ; XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

my mortgage company bb & t changed its name to truist the bb & t name vanished from my credit file for 30 days, my credit score was XXXX then it took a dive to XXXX, and I lost critical points in the process. I know you are in the process of helping companies make money off of the taxpayers by keeping them in a low credit score bracket. doing this pandemic people are already in a low credit score bracket. if i wanted to refinance my home would have had to pay a higher interest rate because this credit score dived to XXXX i feel that my credit score should not have taken the dive, being protected under the fair credit act of XXXX - XXXX.
Product: Money transfer, virtual currency, or money service

Greetings sir/madam I contacted the Federal Reserve on my subject and they forwarded me to you. 

I'm reaching out to you to complain about Arvest Bank on cumbersome and lengthy care, which seems to have no end, regarding to international bank transaction via XXXX I've made them on XXXX of XXXX this year in order to receive a service from them. The issue started when the funds ( amount of {$5000.00} ) were delayed to arrive to the recipient. I want to emphasize that it wasn't a case of sending funds to incorrect/wrong rrecipient account details. 
After some time later of back and forth between my bank and Arvest on investigating the real status of my payment Arvest said to me on XXXX of XXXX that they haven't yet received my payment, but they were aware of some issues they had with some international transactions as communicate with their intermediary bank due to unstable exchange rate. 
And on XXXX of XXXX they said to me that finally my payment has been recalled back to me by their intermediary bank due to that technical issue. 
Unfortunately, I'm waiting for that reversal payment till now. 
I also tried to get assistance from my local bank to resolve it and according to communication with their intermediary bank it said that no funds are longer available for requesting back. 
I'm not a banker and I don't have a clear information tracking of that payment but as far as I understand 2 intermediary banks are involved of it so I guess my funds are still held on Arvest 's intermediary bank. 
On my recent correspondence with Arvest they said that sometimes there are some delays in processing reversal payments depending on the involved intermediary banks and countries and asked me to exercise more patience and I did it, hopefully to see any outcome, but unfortunately I don't see it at all and after more than 90 days that I'm waiting which is too much longer by all accounts my patience has also expired and I'm not able to get it resolved successfully with them and that's the main reason I contact you for helping me to resolve it urgently in order I can get my funds back. 
I also attached XXXX documentation produced by my bank on XXXX of XXXX regarding their inability to request my funds back, following the final answer they recieved from their intermediary bank. 

I would greatly appreciate your assistance on this matter. 

Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I have gone through an identity theft situation within the last few months and i have been doing everything to clear this misinformation from my report as it is affecting me during these hard times greatly. someone tried to open accounts with different banks using my name. I have filed many paperworks with the bureaus to no avail. thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted XXXX regarding the billing error on my account with XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX. Pursuant to 15 usc 1666a ( a ) collection activity includes furnishing any information on this subject matter to any consumer reports there should be no publication or advertising of any kind until the dispute is resolved. Pursuant to 15 usc 1692 I invoked my remedy to cease all communication and collection activity on this alleged account. XXXX continues to furnish this innacurate alleged information. I also stated that I so do believe I am a victim of aggravated identity theft under title 18 us code 1028a on multiple occasions XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX has knowingly used without lawful authority a means of my identification in order to compromise my financial reputation. I also demanded a certified copy of the ORIGINAL certificate of indebtedness in order to verify XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is in fact the holder in due course there is in fact a proof of claim of this debt. Without this I can not verify and there can not be any valid claims of alleged debts in the name of my principal obligor. On XX/XX/XXXX I called XXXX to resolve the matter of innacurate information reporting and to let them know the above accounts were In billing error notice, I was hung up on by an agent which is defined as abusive practices pursuant to 15 usc 1692. The supervisor also explained to me that they would continue to furnish this information due to their protocol. When I explained to her that this was against the law according to 15 usc 1681b she ignored me and stated it would continue to report. This has caused me great stress due to my credit being damaged due to their negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I overpaid my XXXX XXXX account in XX/XX/2022. I should not have any payment for XXXX. XXXX XXXX reported me as missing a payment. I pulled my credit today XXXX XX/XX/2022 and the balance is incorrect XXXX. I paid XXXX XXXX in full on XXXX XX/XX/2022. I haven't missed any payments and overpaid them in XXXX. XXXX XXXX refuses to correct this on my credit report. I have filed multiple disputes with XXXX, XXXX and Experian to no avail.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I wrote a letter to all three of the credit reporting agencies : XXXX, XXXX and Equifax. 
I submitted a dispute about a student loan debt by the Dept. of Education under XXXX XXXX XXXX XXXX 
Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transaction Act, the credit reporting agencies are to report the accuracy of a debt. 
According to the Dept. of Education and XXXX my student loan has been paid off in full. 
The credit reporting agencies are refusing to update this information because the information would lower my debt-to-debt ratio ; therefore, allowing to improve my over credit score. 
The information the credit reporting agencies have sent to banks and other financial institutions is especially unfair to minorities. I have been denied credit for this reason.
Product: Checking or savings account

Wells Fargo closed account for fees that were added by them that I had no knowledge of
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am a victim of identity theft and am requesting immediate action regarding fraudulent information on my credit report. Enclosed, you will find a copy of my identity theft report from the Federal Trade Commission, my drivers license, and proof of my current address as verification of my identity. 

Under the Fair Credit Reporting Act ( FCRA ) 605B, 615 ( f ), and 623 ( a ) ( 6 ), I am entitled to have fraudulent information resulting from identity theft blocked and removed from my credit file. This request is not part of a regular dispute but is supported by documentation of identity theft. 

The following fraudulent accounts must be removed and blocked from my credit file : XXXX XXXX XXXX  : Case Number # XXXX XXXX : Account Number # XXXX I ask that you take immediate action to block and delete these accounts from my credit report as required under FCRA 605B, and that you notify me of the corrections. Additionally, I request that you send me an updated copy of my credit report once the fraudulent information is removed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Enclosures : FTC Identity Theft Report Drivers License Proof of Address
Product: Mortgage

In XXXX 2015 I hit a 6 year HAMP anniversary and was entitled to a {$5000.00} incentive. Ditech purchased this account in XXXX of 2015 from XXXX. Ditech refused for months to acknowledge that the loan had hit it 's 6th year anniversary. Eventually they agreed but then said they were waiting for the funds. I complained several months ago to this board and you closed it out when they said they were still working on it. It 's now several months later and almost a year beyond the point when I should have received this credit. Please help!!!
Product: Debt collection

In my ongoing efforts to resolve discrepancies within my financial records, I have recently encountered significant obstacles in obtaining crucial information from NATIONAL CREDIT ADJUSTERS , L.L.C, a debt collection agency purportedly responsible for debts attributed to my name. Despite repeated requests for documentation to validate their claims and establish the legality of their debt collection activities in my state, NATIONAL CREDIT ADJUSTERS , L.L.C has failed to provide the necessary evidence, raising serious concerns about their practices and the validity of their assertions. 

Central to my inquiries is the request for a signed contract between myself and NATIONAL CREDIT ADJUSTERS , L.L.C outlining the terms and conditions under which any alleged debt would have been incurred and subsequently transferred to their agency for collection. However, despite multiple attempts to obtain this essential document, NATIONAL CREDIT ADJUSTERS , L.L.C has consistently failed to furnish any such agreement, leaving their assertions regarding the debt in question unsubstantiated and lacking in credibility. 

Moreover, I have also sought proof of NATIONAL CREDIT ADJUSTERS , L.L.C 'S legal authority to collect debts within my state, as it is incumbent upon debt collection agencies to adhere to state-specific regulations and licensing requirements. To my dismay, NATIONAL CREDIT ADJUSTERS , L.L.C has yet to provide any documentation demonstrating their compliance with the laws and regulations governing debt collection activities in my jurisdiction. This failure to validate their legal standing further undermines the legitimacy of their collection efforts and raises serious doubts about their adherence to regulatory standards. 

The inability of NATIONAL CREDIT ADJUSTERS , L.L.C to provide the requested documentation not only impedes my ability to assess the validity of their claims but also calls into question the integrity of their debt collection practices. Without verifiable evidence to support their assertions and establish their legal authority, NATIONAL CREDIT ADJUSTERS , L.L.C 's actions appear arbitrary and potentially in violation of consumer protection laws. 

In light of these concerns, I am compelled to escalate this matter and seek redress through appropriate channels. I will continue to pursue the documentation necessary to validate NATIONAL CREDIT ADJUSTERS , L.L.C 's claims and ensure compliance with relevant legal and regulatory requirements. Additionally, I will explore all available avenues to challenge the legitimacy of any debts attributed to me by NATIONAL CREDIT ADJUSTERS , L.L.C until such time as they provide the requisite evidence to substantiate their claims. 

It is my sincere hope that NATIONAL CREDIT ADJUSTERS , L.L.C will recognize the seriousness of these allegations and cooperate fully in providing the requested documentation. Transparency and accountability are paramount in matters of debt collection, and I am committed to upholding these principles in pursuit of a fair and equitable resolution to this dispute.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased several items from a website which is no longer existent. Then the confirmation email was not sent and because I ordered a previous items with the merchant. I never received the items. It was explained to me via email which was from a gmail account that shipping would be delayed Nonetheless, my second purchase was not received or recognized on the merchant end and I never received the item Therefore, I submitted a dispute. 

Please see attached the first purchased which was refunded due to none availability.
Product: Money transfer, virtual currency, or money service

I called to increase the limit for a withdrawal out of my Coinbase account from XXXX to XXXX. A person answered and helped to assist me. 

I just noticed that instead of assisting me he stole XXXX XXXX {$9800.00} from my account. 

He initially said he was initiating withdrawal to my bank and I had XXXX XXXX XXXX account and to expect the money shortly. I had no reason to doubt that I was being conned or scammed. 

He disconnected the phone call around XXXX and never answered again. 

His phone number is ( XXXX ) XXXX and he went by the name of XXXX XXXX. 

His location is in XXXX NY Coinbase California, XXXX XXXX, United States XXXX XXXX United States of America California XXXX XXXXXXXXXXXX wwww.coinbase.com Are there any other witnesses or victims to this incident? 
XXXX XXXX XXXX representative was on the phone during the conversation on a 3 way call If you have reported this incident to other law enforcement or government agencies, please provide the name, phone number, email, date reported, report number, etc. 
XXXX Police here in XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time disputing the following accounts : -XXXX XXXX XXXX  XXXX XXXX # XXXX -AFNI, XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO FINANCE # XXXX I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX/Equifax/XXXX  was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : Bankruptcy chapter XXXX Reference number : 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: Payday loan, title loan, or personal loan

On XX/XX/2018, I applied for a Title loan with XXXX XXXX in XXXX   XXXX, TX. Staff employee XXXX XXXX set up my account. I specifically agreed to pay monyhly {$100.00} to expedite the loan pay off. I received a check for {$460.00}. Each month I was not allowed to pay {$100.00} on my loan. I was required to pay other amounts lower than {$100.00} that I agreed to pay. Their required amounts that I was asked to pay were, {$97.00}, {$93.00}, {$87.00}, and {$91.00} which allowed them to control my loan not being paid as I had asked and they forced me to sign a new contract XX/XX/2018. Adding more interest to the loan. I had a very long conversation with XXXX XXXX and I accused her of running a scam on me just for the money. I also told her that there were over 100 complaints against XXXX XXXX for corruption against their customers and a former XXXX XXXX employee posted how corrupt XXXX XXXX is and explained how they cheat their customers. XXXX XXXX acted ignorant and said I am responsible for reminding them what amount I am paying. I have questioned them several times about giving me different amounts to pay. I recorded my conversation because XXXX XXXX is guilty of fraud refusing and denying me the right to pay the amount I agreed to pay. XXXX XXXX lied to me about giving me a choice of what payment plan I wanted and she never allowed me to pay the $ XXXX   monthly payment. I was very angry that she could sit there and lie. And this is how they cheat their customers.
Product: Mortgage

After Triad financial services bought my loan there's been nothing but problems for the past 3 years. First, they tried to charge real estate taxes on a rental lot. Towards the end of the loan they doubled my payments stating everybody 's insurance insurance went up. My homeowners insurance had not gone up the entire time with triad financial. When I paid extra it was supposed to be applied to principal only and they put it in a suspense account and never applied it to principal. The last 3 months it took them over a month to apply payments that were overnighted to them. 
I paid the entire principal plus extra because of their excessive fees and they said I still owed. This took from XXXX to XXXX to inform me. I called numerous times emailed several times and to find out where my title was. 
To get rid of the loan I paid the extra {$250.00}. I paid principal in the extra amount in XXXX I paid this extra {$250.00} in XXXX because I never got my title and it is now XXXX and I still do not have my title I do not owe any money. I feel they have continually and blatantly misused escrow funds and misapplied illegally held funds that we're supposed to be applied to principal and never were. I want this to end with my title in hand.
Product: Other financial service

I paid {$800.00} to XXXX, CEO, XXXX Simple Solutions Credit XXXX , AZ XXXX I paid this back in XXXX and XXXX made a bunch of promises over the phone about XXXX major issues on my credit report and they were not legitimate or correct filings on my report. They did not get anything removed and refused to refund my money. 

XXXX also offers others a chance to open their own credit repair business for {$3500.00} or more and she ca n't even repair credit herself. 

I want my money back immediately.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE XXXX XXXX Balance : {$3300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX.
Product: Credit card or prepaid card

My XXXX XXXX XXXX XXXX CC ending in XXXX ( synchrony bank ) is blocking me from enabling external applications. At first I had no issues but since last week all of a sudden the app I was using was blocked with no explanation as to why. I have reached out to XXXX XXXX XXXX XXXX by Synchrony bank about this but they have not resolved the issue. I would like this resolved ASAP. Thank you