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

I recently reviewed my credit profile and noticed inaccuracies, incomplete information and also accounts that are UNVERIFIED OR ARE NOT PROPERLY VERIFIED on my credit report. According to the credit report act, section 611 ( 5 ) ( A ) of the FCRA those credit bureau are required to promptly DELETE all information that is inaccurate, incomplete and which can not be verified. They also violated 15 US code 1681 section 602 ( A ) section 2, and 15 US code 1681i5. I disputed several times those inaccuracies with those 3 credits bureau, and requested an update of my credit report. NOTHING HAD BEEN DONE. 
THOSE 3 CREDIT BUREAUS KEEP VIOLATING THE FCRA and FDCPA LAWS By failing to do proper investigation during a dispute, and also always refused to provide the steps of their investigation. 
IT'S SEEMS LIKE KEEPING NEGATIVE UNVERIFIED CREDIT INFORMATION ON THE CONSUMER REPORT IS THE WAY FOR XXXX, EXPERIAN, XXXX TO MAKE MONEY. 
THIS IS A VIOLATION.
Product: Mortgage

PHH Mortgage services located in XXXX New Jersey recently took over my loan from Ocwen I received a package from them regarding a loan remodification I promptly filled it out and attached supporting documents I mailed this to them USPS XX/XX/XXXX 10 days after the issuance I followed up with PHH and was told they had not received my documents I called the very next day and they verified that they had received them and that they were in the process of uploading them with a 24 to 48-hour window were there modification team to review at this time I was instructed the active foreclosure would be on hold for up to 30 days as they review the documents on XX/XX/XXXX the phone call was noted completely incorrectly as its stated above-mentioned context of our conversation and went on to say in the notes that the mortgage company attorney had the paperwork for the loan remodification there was no discussion in this 2 minute phone call regarding this attorney or any prior knowledge at all regarding this fabricated phone Note I subsequently proceeded to escalate this through their management process where I spoke with XXXX  agent ID XXXX   XXXX instructed me to fill out the new form that he would provide me via email and assured me that he would listen to this XX/XX/XXXX 2 minute phone conversation noted above and get back to me with his discretion I have to the state not receive an email nor have been advised my loan number is XXXX furthermore I have just received the docket for my foreclosure as they are clearly enhanced this foreclosure process by skipping this critical step of loan modifications
Product: Debt collection

On XX/XX/XXXX I received a voicemail from a XXXX XXXX with Admin Recovery that they were trying to collect on a debt. 
I returned the call on XX/XX/XXXX and explained to XXXX XXXX that the account at XXXX XXXX was a result of identity theft, and that evidence of that was already provided to XXXX XXXX 
I also explained that since XXXX XXXX had not removed it I had filed a CFPB complaint against them. 

On XX/XX/XXXX XXXX XXXX called my ex-daughter in law in Virginia, saying they are trying to get contact information for me, when in fact XXXX had already spoken with me. 

I don't know if or whom else that may have been speaking with.
Product: Mortgage

My husband passed away XX/XX/XXXX from XXXX. He and his XXXX XXXX XXXX XXXXXX/XX/XXXX. We tried to refinance the mortgage to get her off of the loan but could not and so we put the house on the market. Their divorce decree stated she got no equity but she refused to sign a quit claim deed. We had to take her to court and a judge ordered her to sign the quit claim deed. My husband died 2 days after signing. I closed on the sale of the home XX/XX/XXXX and the title company sent all necessary paperwork to the mortgage company. They issued the escrow refund to the old address in my husband and his ex wife 's name. I have sent them death certificate, marriage certificate, quit claim deed, affidavit for termination of joint tenancy due to his death as well as proof from our bank that I paid the mortgage for the last XXXX  months. Every time I call I get a different story. I've been told the check has been sent and it has not. I have spoken with numerous supervisors and get nowhere. They refuse to let me speak with anyone in their estate department, who they say are " investigating '' the situation to see if the check can be issued to me. The bank is XXXX XXXX XXXX XXXX out of XXXX, NY. My XXXX XXXX XXXX XXXX has no legal right to this escrow. She has not lived in the home or paid anything on the mortgage since XXXX. A judge ordered her to sign the quit claim and upheld their per se divorce.
Product: Debt collection

XX/XX/XXXX Received 1st and only notification from XXXX XXXX XXXX , XXXX about Motion to garnish wages. This was sent submitted to the XXXX County in XXXX  where I have not lived in almost three years. My address had been updated through the postal service and I have not had any issues with my forwarding services to my new address in the state of XXXX. 
When I received this communication, I reached immediately and explained to the firm that I had not received any other communication and I also provided them with my updated address which they did have on file! Yet, I never received anything to my current address. 

On XX/XX/XXXX, I spoke to several people which confirmed that the file had been closed and no wages would be garnished as a result of filing in a state where I do not live and because they dont have a license to practice in XXXX. 

On XX/XX/XXXX, I followed up with the firm to make sure that the file had been closed and no further action was required. This was confirmed through another representative. 

On XXXX, I was told by the firm that the file had been returned to Synchrony Bank and to follow up with them On XXXX, Synchrony verifies they had this file back and that they would work with me. They also confirmed that no wage garnishment would occur as this case had been dismissed for the reasons mentioned above. 

On XXXX, I received a letter from my payroll and Human Resources department notifying me of the wage garnishment effective on the XX/XX/XXXX paycheck for {$XXXX} Again, this is not legal at all! I was not informed of the suit. I was not served with any documents nor was I contacted at my new address. The suit was submitted in a state that I have not lived for the last three years. In addition, I had not lived in XXXX county for a year! I had moved to XXXX county and the to XXXX. 

I ask that this is immediately rectify and an apology letter along with the respective suit dismissal letter to be sent. This puts me at a very high risk of losing my employment as a result of negligence and lack of due diligence on the firms part.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi CFPB Team, I have been trying to resolve this account issue with XXXX, Equifax, XXXX as well as XXXX, but to no avail. I have a credit card reporting on my credit that has late payments. This was never the case. Each time that I submit a dispute for the bureaus to correct these billing errors. They have not changed the status of the account to good standing. The economy is not getting better and interest rates are rising. These late payments that are being reported to my file are holding me back from receiving the best interest rates that are available today. I am depressed and distressed by this negative information being reported. This is my last attempt to dispute this before taking legal action towards these bureaus.
Product: Money transfer, virtual currency, or money service

i have been scam -involve XXXX XXXX XXXX  -supposed i have won a Prize of XXXX XXXX dollars and a XXXX automobile it turn out that it was a scam, they wanted me to wire XXXX dollars to Fulton bank for administrative fees.. 
recovered XXXX by XXXX. i was deprived XXXX which i want to recover
Product: Credit reporting or other personal consumer reports

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX 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 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 or other personal consumer reports

My name is XXXX XXXX XXXX and upon looking at my credit report I saw that this company national XXXX XXXX put an account on my Credit Report Account # XXXX with a balance of {$430.00} They have contacted me through email which is a violation of the FCRA my rights 15 U.S. 1692 ( YOU HAVE A RIGHT TO PRIVACY ). I have never agreed to do any business with National Credit Adjusters, nor have I signed a contract to do any business or service with your company. I'm a Victim of Identity Theft and I have included it with this complaint with Your name XXXX XXXX XXXX and Account # XXXX. I ask that you send me a copy of the purchase agreement and that you also Cease and Desist all Collections on this XXXX and that you it be Deleted from all Reporting Agencies and Credit Bureaus XXXX XXXX Experian XXXX XXXX and XXXX and XXXX XXXX too Thanks. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I been requesting an update and correction of inaccurate personal information on my credit report from EXPERIAN ( Name, address ), Upon reviewing my credit report, I am still noticing several discrepancies regarding my personal details that need immediate correction. Since XX/XX/year>, I have sent letters and called Experian regarding an alleged address that is listed on my credit file, I just want to know why? I provided them all documents showing that the alleged address is not mine SOMEONE NEED TO DO THEY JOB because it's been more than 30 DAYS, per 15 U.S. Code 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure MAXIMUM possible accuracy of the information contained in consumer reports. If you find that the information can not be verified, 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) mandates that you DELETE the information from my credit report. I have attached 2 FTC reports and letters where I received my mail TO SHOW PROOF regarding these matters.
Product: Checking or savings account

BECU has locked my savings account due to their belief that I deposited fraudulent two third-party checks ( one for $ XXXX, and one of $ XXXX ). 
However, these checks were not fraudulent ; they were funds my fianc received after the death of his mother, which he simply just wanted to deposit into my account. At the time, we were unaware that third-party checks were prohibited, and this was simply an unfortunate misunderstanding. 
I first explained the situation to BECU on XX/XX/year>, after discovering my account was locked when I attempted to log in. I contacted them again on XX/XX/XXXX, when my fianc and I visited the branch with the checks in question to further clarify our misunderstanding. 
Currently, I have {$3000.00} in my account that I deposited on XX/XX/year>, through a local bank teller, but BECU will not allow me to access it. I intended to use these funds for a tuition payment, which I have also communicated to BECU. 
Not once has BECU reached out to me ; I have had to initiate all contact. They did not inform me they were locking my account, and despite being told I would be contacted by their fraud investigation department during my visit on XX/XX/XXXX, I have yet to hear from anyone. 
I chose BECU because it is a local bank with a strong history in my community, and my fianc, who has been a long-time customer, recommended it. My current bank is online only, making access to cash deposits inconvenient. Unlike BECU, they have never treated me like a criminal or taken action on my accounts without communicating with me. 
Im very disappointed ; what I hoped would be a positive experience has turned into anything but.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I couldn't get pre-approved for a mortgage loan because Equifax put a freeze on my credit information due to the cyber hack they experienced in XXXX, which left me as one of the victims. They provided me a pin to unfreeze my credit information but it did not work. Then they required me to fax sensitive Personal Identifiable Information to a number. After XXXX attempts, they said they did not receive my fax which contained my drivers license and Social Security card. Then they required me to mail in a copy of the same information they had me fax. Finally, after spending hours on the phone with them, they unlocked my credit report. They also made me create a new login ID. Today, on XX/XX/XXXX, I attempted to login and the only information they provided me with is that they can't process my login request at the moment. 

I am writing to complain about their system which causes customers to have to continuously change passwords and login credentials, but leaves them without knowing how to do so or any warning or notification that a login credential is about to expire. Also, I am writing to complain about their unsafe practices of requiring customers to fax sensitive documents, which they end up losing. There is no question in my mind that they will have another major data breach on their hands, if they haven't already since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/2017 i have ( 3 ) inquired i call trasunion because im victim for XXXX they told me can be remove
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get my report. I instead a code came up. It is : Eval Code : - Status Code : FL, Reason Code : NH
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of Transunions service error. I have contacted customer service and they refuse to remove the inquiries that were added to my credit without my permission. 

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 or other personal consumer reports

i recently logged into my Equifax to view and monitor my credit file because i was a victim of identity theft and the equifax website data breach from XXXX  XXXX and most recent XXXX  i received an email stating i was a victim of the XXXX  data breach. so i went into my account and saw accounts that were not mine along with unauthorized hard inquires. i spoke with a representative who had no idea about the data breach and when i asked her about it she said hold on and hung up. i spent XXXX mins around on hold and the call kept looping. i was a victim of identity theft and a victim of XXXX  data breaches on equifax website including data breaches in XXXX XXXX  XXXX and would like to have all identity theft accounts removed.
Product: Debt collection

I have new and updated information about Caine & Weiner. You have admitted to not having a contact between you ( Caine & Weiner ) and I, which means you 1. You ARE not the holder in due course and can not lawfully enforce your claim. 2. You have not provided me any documentation to show you are obligated to collect and I`m the obligated party to pay you. I have tried to resolve this issue and you have been negligently noncompliance with Federal law. I AM NOW PUTTING YOU ON NOTICE TO CEASE AND DESIST ALL COMMUNICATIONS WITH ME THROUGH ALL MEDIUMS INCLUDING MY CREDIT REPORT WHICH IS A FORM OF COMMUNICATION PER THE FDCPA 15 USC 1692C. YOU HAVE NOT ONLY INFRINGED UPON MY RIGHTS TO PRIVACY BUT ALSO USED MY INFORMATION WITHOUT MY PREMISSION WHICH IS AGGRAVATED IDENTITY THEFT 18 USC 1028A. I HAVE ACTED IN GOOD FAITH GIVING YOU CHANCE TO RECTIFY THE SITUATION, I EVEN AGREED TO PAY THE BALANCE IF YOU CAN PRODUCE DOCUMENTATION TO WAS OBLIGATED TO PAY YOU LIKE MENTIONED IN MY CONDITIONAL ACCEPTANCE AND YOU FAILED TO DO SO. I HAVE A RIGHT TO ANY INFORMATION REGARDING ME PER THE FREEDOM OF INFORMATION ACT.YOU HAVE AND CONTINUES TO TRY TO COERCE ME INTO A PAYMENT WHICH IS IN FACT VIOLATING MY RIGHTS. THIS TRADELINE HAS CAUSED ME INCLUDING BUT NOT LIMITED TO SEVERE STRESS, MENTAL ANGUISH AND HAVE BEEN NEGATIVELY EFFECTING MY LIVELIHOOD. I HAVE ADVISED YOU AND GIVING YOU 15 DAYS TO REMOVE THE INFORMATION OR MY NEXT STEP WILL BE TO PURSUE LITIGATION FOR THE STATUTORY VIOLATIONS AND ACTUAL DAMAGES AS YOU HAVE AND CONTINUE TO CAUSE ME TO SUFFER!
Product: Money transfer, virtual currency, or money service

My money has been stolen, Amount of {$6200.00} on XX/XX/2021 ( XXXX ) XXXX  from XXXX ( Case # XXXX ) Dear Sir/Madam When i was log in my coinbase account, i saw unauthorized transaction inside my account. I had USD ( XXXX ) in my coinbase account that someone used to buy /converted in XXXX ( XXXX ) WITHOUT MY PERMISSION THEN SENT TO NEW XXXX ADDRESS THAT I DONT RECOGNIZED. 
When i was logging in, i saw that pending transaction IN front of me in my account, i called coinbase number XXXX XXXX XXXX XXXX XXXX more then 5 times, no one answered my call and there is no support so unable to get help to stop this transaction right a way. 

Still calling them, they don't pick up phone, i emailed asking support/manager/supervisor/staff member phone and asked them to call me to address issue over the phone but they neither called me yet. 

I have sent email, They locked my account .received email back.in reply, they advised me to changed password, download security on device and talk with mobile provider for sim security then inform them to unlock my account. I follow all procedure but account has been locked, no access yet. 

Now i need to pay my bills, i need my all funds back as soon as possible. Please help. 
I was using authy  as 2 step account security as well .Its not easy to stole money from my account due to security layer ( Password+2 step authentication ) i don't authorize any transaction that happened on XX/XX/2021 after XXXX XXXX Texas time . 

Hello coinbase admin, Please do not advertise coinbase is secure hub for transaction. 
refund all my money that stolen from your account asap. 
Company needs customer service phone number that we can contact you. 
Waiting my account access back with my all funds as i leave in your financial institution in usd ( Not in XXXX ) Please note that, same time there was another unauthorized transaction happened but funds still available ( someone converted all my XXXX to XXXX, as well, that was not by me ). 

Thank you.
Product: Checking or savings account

My account was charged off with 5/3 on XX/XX/XXXX with no prior notice. A letter was issued to me on XX/XX/XXXX and I logged into my account to rectify the negative balance on XX/XX/XXXX and saw the letter. I have not yet received the correspondance. No phone call, no email was attempted. There was NO advance warning of the account being charged off. The account went negative on XX/XX/XXXX for {$34.00}. I was charged a {$37.00} OD fee on XX/XX/XXXX. If 5/3rds policy is to charge off accounts 60 days after the account is negative, the XXXX day was XX/XX/XXXX. The account was closed XX/XX/XXXX. 

I attempted to rectify the situation on XX/XX/XXXX. I was told I had to wait until XX/XX/XXXX to do. After calling the customer service line 5 times, being routed to several incorrect departments, I was told to " leave a message '' at some random department with NO idea of how long I would wait for a call back. I was given the number of XXXX by a XXXX Representative on the chat function and I called that number. The representative answered " this is XXXX on a record line, how can I help you? " ... .I asked if this was FIfth Third and he said " yes ''. 

I have worked in the banking industry for 23 years. I will never give my information out on the phone to a number I do not recognize, especially when the agent answers the phone as above AND was incorrect. That number is directly to XXXX XXXX that purchased the debt from 5/3. I did research and found the customer service line and they confirmed who there were and transferred me to a specialist to assist me. I paid the debt. I was told that it would NOT effect my credit but WAS reported to XXXX. After 14 days it would show as in good standing but will remain with them for at least 7 years. This could effect me opening new accounts in the future. Fifth Third sold the debt between XX/XX/XXXX and XX/XX/XXXX and made NO attempt at trying to rectify the situation with me prior to selling to a collections agency that then reported me. 

In short ; Fifth third made NO attempt to : 1 ) notify me of the charge off date 2 ) gave me FALSE information to try and rectify the situation 3 ) when I DID try and rectify the situation I was sent all over creation to try and fix with NO resolution. I had to take it upon myself to figure it out. 
4 ) {$37.00} of the {$70.00} charge off was a fee from Fifth Third.

5 ) I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

I find this to be absolutely absurd customer service in handling the situation. I find this to be extremely predatory and a violation of my consumer rights. XXXX XXXX assisted me and was cordial and helpful. 5/3 did not.

please pass this complaint on to whomever it needs to go to. 

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

Dear XXXX/XXXX/ Equifax Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting or other personal consumer reports

there are a lot of inacuracies in my credit report from XXXX, XXXX and Experian due to a recen data breach wish i was affected by. and would like to have all negative items removed from my report.
Product: Credit reporting or other personal consumer reports

XXXX removed XXXX XXXX XXXXXXXX from my file XX/XX/XXXX as a result of the dispute I filed with them. Filed dispute XX/XX/XXXX the XXXX XXXX XXXX with Experian. Received results XX/XX/XXXX. It was Updated not Deleted. 

All 3 reporting bureaus are to have the same information, correct? 

I want XXXX  XXXX XXXX Deleted from Experian and XXXX so my credit reports have the same information. 

Thank you XXXX XXXX XXXX