23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/2022, I made an attempt to pay down debt after XXXX using some of the equity from my property in Arizona. After running my credit the rep indicated that I had a lot of student loan debt however if I paid my vehicle and several credit cards the loan could be approved. In doing so, Wells Fargo sent me all these requests for documents they knew I could NOT provide. I explained I am living in lodging and I could not provide utility receipts ; additionally, I received my mail at the XXXX  Store therefore I could not provide a lease. 
Wells Fargo continued to send the same requests several times over even after I provided an explanation- I believe there were unfair practices because they would not change anything when requesting documents such as my tax returns, they did want transcripts, I sent transcripts and they wanted another tax form 4505C I never heard of before. 
More importantly, they NEVER had any intentions to approve the loan they took my {$690.00} for a home appraisal and just made me jump through hoops for nothing. FINALLY, after all the frustration of going back and forth requesting the same documents, I quit and asked them for my appraisal monies- I had to file a dispute with my credit for the {$690.00}. I understand the need for substantiating documentation but for the most part, there are not too many hotels that will render utility bills, therefore this and any other reason they suggest is not a justification for denying me the loan. I have an excellent credit XXXX score and make an ample amount of income. I did not want to take the monies from my retirement fund however in an effort to pay down my debt may be the only option. I've NEVER been late on my mortgage- I have paid on time for the entire time of ownership. My monthly payment is {$800.00} and I have been making {$1200.00} payments to pay off the loan in less than 30 years granted. I am NOT an angry customer since I waited weeks before filing this complaint, I feel as though they did not provide the service they should have since the documents they were requesting were unobtainable from day one. Very Respectfully, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

The scammer originally convinced me I was being sought after by the FBI, for an XXXX-related case. While they never identified me by my real name, they did seem legit because they were spoofing from XXXX, which is the General Washington DC Court for Criminal department. So what I did, I called the actual department back and they confirmed 2 things : the agent whom I spoke to does not exist in their database and second, that they would never ask for my identity let alone ask me for money over the phone. After putting this all together, I had already submitted {$5500.00} dollars to the scammer to " avoid being part of the list of suspects ''. I was caught up in all of this from using a fake phone number app, and the scammer stated I would be traced back and arrested based on geolocation from the use of my number in that app. This scammer is out there doing this. I have the scammer 's email, their phone number, and also a receipt of one of the transactions to track this scammer.
Product: Debt collection

Thees debt collectors are reporting debt on my consumer report that does not belong to me. This account have been causing hard ship to me because of this inaccurate account have been denied housing and employment. I have sent letters to these debt collectors multiple times with no response and no proof of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Credit Companies running my credit.
Product: Credit card or prepaid card

Opened a XXXX charge account. Created a XXXX account and placed an order. Order was cancelled and account was locked, now can't use account. I opened a XXXX charge account. I placed a XXXX order and requested that the order be shipped to me using the same name, address and phone number that is on my XXXX store credit card account. My XXXX store card was successfully charged and then a few hours later I recevied an email saying my order had been cancelled due to " verification issues ''. I tried to log into my account and it said it had been suspended. I called XXXX and after waiting on hold for over an hour I spoke to someone who said they would put in a request to allow me access to my online account again. I received an email today ( XX/XX/18 ) saying that my XXXX online account could not be fixed due to " Verification Issues ''. So now I am left with a XXXX charge account that has been approved and opened by XXXX XXXX but the retailer ( XXXX ) will not let me shop at their store. Since XXXX did not contact me to help with their " verification issues '' I have no other option. I can only shop at XXXX with this charge account.
Product: Credit reporting or other personal consumer reports

I sent a letter XXXX XXXX requesting 1099C Letter which they issued to me. Account is currently written off and they sold the account to another company called XXXX XXXX. 
I have attached the letter I sent to XXXX XXXX and the return documents that proves it get to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous unknown inquiries on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sirs/Madam The last late payment for this account XXXX XXXX XXXX occurred in the middle of a DECLARED NATIONAL DISASTER eg Covid 19 I also had entered a payment deferment agreement with the lender for the months prior to the late payment. 
it is UNREASONABLE the lender is not deleting the payment and credit bureaus are allowing it when this happened in XXXX XXXX  at the height of the pandemic and forced stay at home orders. 
Please help Kind Regards
Product: Credit reporting, credit repair services, or other personal consumer reports

Your Account Dispute has been updated. 
XXXX XXXX, XXXX The dispute for the account with XXXX XXXXXXXX that starts with XXXX has been updated. 

Source : Experian Date Submitted : XXXX XXXXXXXX XXXX Report Number : XXXX Account Number : XXXX Company : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX WHAT NOW? 

We'll notify you when all of your pending disputes are complete, and the results are ready. To see your most recent updates, please check your updated credit report. 


Have requested to get me the proof that this is my account? So far no Answer from XXXX XXXX or from Experian. I am shopping for a Used car and now having a tough getting a car loan approved as Experian decreased my FICO Score by XXXX points. 

Unable to write to them or call them There Calling center is closed. Always closed. 

All I get is an answer from Experian we checked and XXXX XXXX says the report is correct. So, this report stands on my Credit report, now every other XXXX XXXX XXXX XXXX and XXXX also lower my Fico scores. 

Please- please do something and help me. You are the last hope. All I need the proof that this is my account. Why would not they give me the proof meanwhile XXXX XXXX keeps increasing my Credit Limits? Mindboggling? 

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

I have received 11 emails from this company, Experian, who supposed to give the correct credit report for a XXXX nationality. 4 of them, I am not sure what they have corrected at all. I expect they must deleted some information of soft inquiries in the past or other information, which I could not recognize due to the written information of dates. 2 of them mentioned they deleted my husband 's name again without any explanation. And 4 of them are asking further information, which I expect to be used for the proof of identity ; however, I believe I already sent it at least once to this address- XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since they ask again to send it, I will mail it. I believe I sent it more than 3 times this time. I just want to ask how many times I need to send. Is it because of the neglect and mishandling of your country post office or this company? I have this question because mail delivery takes so much time, and I am waiting several checks to be mailed to me. And the last one, I have never seen until yesterday. I attached the screen shot of this email. I feel it is regarding the credit card. Since I have another credit card application emails from one company, which I file later, I do not want to receive anything like that.
Product: Bank account or service

The Chase investment has incurred a fee every year for last 2 years and I was told that this fee is for keeping the account open every year in spite of the fact that my Chase account holds Chase mutual funds so it seems that Chase Bank is double-dipping where it is earning fees from my funds and charging me a separate fee to hold the account open. They claim it 's okay for them to assess fees in this manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, my wallet was stolen, hence my identity was compromised with all my personal information in my wallet. I did not think much of it until later some fraud accounts would pop up on my report. I sent all 3 credit bureaus the necessary documents to have these two fraud accounts blocked off of my report. XXXX  and XXXX did just that, did their job in little to no time. But Equifax INC. has been violating my Fcra rights and identity rights, allowing creditors to post fraudulent information on my report hindering me from future credit extensions. Equifax did not honor the FCRA 605 ( BLOCK ) law, they kept on XXXX XXXX on my report. The only thing Equifax did was report this account again with a different balance, balance went from XXXX to XXXX ... Regardless, this account was not opened by me and it should not of remained on my account. I will attach all documents i've already sent from XX/XX/XXXX ... It's been to long with fraud information impacting my livlihood, Equifax will receive my attorneys lawsuit very soon if they do not act upon this asap.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX  Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year> & XXXX XXXX XXXX Date XXXX XXXX XX/XX/year>
Product: Student loan

I made the XXXX payment on my student loans in XXXX of 2024. I submitted what should have been the final piece of paperwork to be granted forgiveness under the PSLF. This form asks for my payments to be counted. Even though my servicer ( XXXX ) and studentaid.gov both show that I made the payment ( studentaid.gov does not show this payment on my dashboard, only in downloaded data ), it was not counted. Because of this, I am not able to receive forgiveness as my account shows I have only made XXXX of the required XXXX payments. No one has been able to give me a reason why this happened or a timeline of when it will be rectified.
Product: Credit reporting or other personal consumer reports

Netcredit is continuing to report inaccurate information to my credit report. I have disputed this item with XXXX and XXXX many times but they are negligently not correcting this misleading information.
Product: Credit reporting or other personal consumer reports

I tried to repay loan and it would not allow me to do so and I reached out several times with no response to get the situation rectified and never got a response.
Product: Credit reporting or other personal consumer reports

I attempted to get my Transunion credit report online. When I tried it, the system notified me to call customer service for assistance. I contacted Transunion for further assistance. I was notified by a Transunion manager that I was a victim of Identity Theft and Transunion could block your online credit report whenever they'd like to. I inquired about how could I find out what's on my report, how could I get a report and how could I get a score. Transunion suggested that I go to annualcreditreport.com, that site would not allow my credit report either. Transunion also stated that I would have to pay {$9.00} to get my score since I am not allowed to see the report online. Transunion also refused to put a personal statement on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX and XXXX XXXX  Account # 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
Product: Debt collection

I went to purchase a trailer in XXXX of 2018 and this debt popped up on my XXXX credit report, so I called and disputed it. I have never heard of this company I have never received a letter or phone call in the year and 4 months it has been open. I XXXX the company and reached out to perfection collection based out of Utah and told them this was n't my debt and It was fraud the guy continued to tell me this is what everyone says, I told him I am not paying the debt and wanted proof how I was tied to this debt, he gave me nothing but some random name and a signature and an address I have never lived at. He was a XXXX and I eventually hung up, I made a claim with XXXX recently and they said my debt is active with again nothing in writing and no proof of this company ever reaching out to me to try and resolve this misunderstanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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

On XXXX, 2024, during a review of my personal credit reports, I found reporting information to be incomplete and inaccurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information relating to the individual and accounts. 

The following accounts are incomplete and inaccurately being reported : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

Furthermore, these reports do not adhere to 15 U.S. Code 1681s2 which 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. '' Please reference attachments of findings.
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. 

Account Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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.
Product: Debt collection

To whom it may concern Account name credit collection you are reporting this collection as an open account which is not under FCRA compliance. This is inaccurate reporting and it needs to be removed immediately. 
when the above collection is deleted and has been removed Pursuant to the Fair Debt collection practices Act 15 United States code 1692 Once the original creditor sells my debt to a third party debt collectoR without my permission. I no longer owe this debt
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I discovered TransUnion Consumer Solutions was reporting an unverified and inaccurate public record ( bankruptcy ) on my credit report. Despite attempts to resolve this issue directly with TransUnion Consumer Solutions, they continue to report erroneously, and the information remains inaccurate, which detrimentally, and adversely affects my creditworthiness. 

I am writing to formally dispute the inaccurate reporting of my federal student loans on my credit report. According to my most recent credit report, TransUnion Consumer Solutions has incorrectly reported my student loans from the U.S. Department of Education as being discharged under Chapter XXXX bankruptcy. This information is incorrect. 

The fact is that my federal student loans were discharged through the U.S. Department of Educations Total and Permanent Disability ( TPD ) discharge process. As a result of this discharge, my obligation to repay my Federal Student Aid loans has been fully canceled, independent of any bankruptcy proceedings.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX, XXXX XXXX, DEPT OF EDUCATION/XXXX XXXXXXXX, DEPT OF EDUCATION/XXXX XXXXXXXX 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 went to a car dealership and applied for auto loan, I also applied for some credit accounts and my credit was shopped around, I ended up with 55 hard inquires. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the 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 XXXX XXXX XXXX XXXX
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 proct was unfair and deceptive, as they did not 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 the violations
Product: Checking or savings account

I am filling a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) at it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you
Product: Debt collection

I have not received any notice of collection from any agency. There was no provided attempt to pay a simple amount.