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

Consumer Name : XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/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 EQUIFAX 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 hard inquiry from : XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX Unauthorized Installment Accounts XXXX XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX Credit Card Accounts : XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$310.00} Balance updated XX/XX/XXXXXXXX XXXX XXXXXXXX POTENTIALLY NEGATIVE Balance {$380.00} Balance updated XX/XX/XXXX XXXX  Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX  POTENTIALLY NEGATIVE Balance {$150.00} Balance updated XX/XX/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: Money transfer, virtual currency, or money service

Ally Bank 's fraud department is unable to prevent fraud for real-time XXXX transactions, they are lying to customers about XXXX Real-time payments and are not explaining how to use the XXXX network properly. XXXX advertises real-time money transfers but Ally Bank is not able to comply with the XXXX rules. Customers are being misled about the capabilities of XXXX money transfers and the customer service department lies about the XXXX network rules to try to stop customers from using XXXX. They claimed XXXX transactions are not real-time to the customer, which is against the XXXX network rules. XXXX rules say the Bank has a few minutes to process the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022 XXXX
Product: Credit reporting

The address of : XXXX XXXX XXXX, TN XXXX is incorrect. I have never lived in TN.
Product: Debt collection

I am writing to bring to your attention an urgent matter regarding a debt that has been erroneously associated with my name. I recently received a copy of the contract from XXXX, and upon review, I discovered significant inaccuracies. 

Firstly, the address listed on the contract is incorrect, and I want to emphasize that I have never resided at that address. Additionally, I noticed that the name stated on the contract is not mine, further confirming that this debt does not belong to me. 

To support my claim, I have attached copies of my driver 's license and utility bill, clearly indicating my correct name and residential address. These documents serve as irrefutable evidence that I am not the individual associated with this debt. 

In light of these factual discrepancies, I kindly request that you conduct a thorough investigation into this matter and take immediate action to rectify the situation. It is imperative that this debt is promptly removed from my credit report, as it is unjustifiably tarnishing my credit history. 

I understand the significance of maintaining accurate credit information, and I trust that you will handle this matter with the utmost urgency and professionalism. I kindly request to receive written confirmation of the debt removal and an updated credit report reflecting the necessary corrections. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution. 

Sincerely,
Product: Debt collection

I am writing to formally dispute and request the removal of inaccurate information that is currently present on my credit report with your bureau. I have identified specific issues that require your immediate attention : a fraudulent account that persists despite being successfully removed by another credit bureau. 
Persistent Fraudulent Account : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I kindly ask that you investigate these discrepancies promptly and take the necessary steps to correct the inaccuracies on my credit report. I understand that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to ensure the accuracy of the information they report, and I trust that your bureau will uphold these standards.
Product: Credit card or prepaid card

On XX/XX/2022, there are 2 transactions from my credit card company listed as XXXX XXXX ( which is XXXX XXXX XXXX XXXX One of the transaction ( $ XXXX ) is my credit card balance which is good but XXXX XXXX also pull additional {$470.00} which I don't understand. 

XXXX XXXX Withdrawal - {$5900.00} XXXX XXXX  Withdrawal - {$470.00} XXXX contacted both my bank ( XXXX Money ) and Elan Financial Services. My bank confirmed that both transactions went through. I contacted Elan Financial Services ( XXXX XXXX ) a few times and they kept saying the {$470.00} is not in their system. I didn't initiate that transaction as well. They kept insisting that there's nothing they can do if they don't see it in their system. 

Now as a customer to the credit card, it looks like I lost {$470.00} which is hugely unfair to me given that it looks like an issue on Elan Financial Services ( XXXX XXXX ). From external point of view, It looks like the system of Elan Financial Services is not sound or buggy.
Product: Mortgage

I have already submitted a complaint against Green Tree ... they since put me on a repayment program, but now are demanding TWO PAYMENTS OR FORECLOSURE, even though I made the first repayment amount before this demand ... .please please stop these people ...
Product: Student loan

I submitted my application with employer certification for XXXX in XX/XX/2022. I had initially used the help tool including thXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as I still was working for the XXXX When I submitted my substantiation, I redid the help tool to only include the XXXX XXXX and received a notice that I am being denied due to the XXXX not being eligible. This was confusing since I never submitted anything with this information on it. 

I reached out to XXXX XXXX since they are my servicer after not getting a response from MOHELA after multiple messages. They responded after over a month to my explaining that I am a XXXX XXXX  and the denial is not based on accurate information on their end and they responded saying to call. MOHELA finally responded saying to call as well. The wait times are ridiculous. I have not been able to get through to a person yet. I have yet to receive a notice to stating an update since the information being processed is not even what I submitted. The form on their website still says processing and there are two different received dates which also doesn't make sense since I only submitted one application. 

I am a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and am looking for assistance but getting no where.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report reflects as XXXX XXXX XXXX as 30-60 days late numerous times. Never late.
Product: Checking or savings account

The accounts that I am describing is a checking account, and a saving account to different end numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX
Product: Mortgage

XXXX  sold my mortgage to  Nationstar  in  XXXX   XXXX . All terms remained the same and I was paying {$1500.00} a month  (  {$320.00} escrow included  ). A ll taxes paid by  XXXX  before sale for the year  XXXX . In  XXXX   XXXX   Nationstar  paid my county-town tax for {$1200.00}. My school tax is not due till  XXXX   XXXX  for {$3900.00}. MY CLAIM IS  Nationstar  says I have. {$2900.00} escrow shortage. By the time  XXXX  comes I would have accumulated {$3200.00} and only be {$700.00} short. They immediately spread payments over 12 months and my new payment since  XXXX  is now {$1700.00}. This is a {$230.00} increase that is creating a burden for me, I am a  XXXX    XXXX   living off of  XXXX  compensation and the additional {$230.00} a month is a lot for me to sacrifice. I have made numerous calls faxes emails but not one can give me a straight answer, and they sent escrows analysis and the numbers are not consistent. I just want my payment to go back to normal ... .please help me. Thank You  XXXX   XXXX   XXXX
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 XXXX XXXX XXXX. 


Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account XXXX : XXXX XXXXXXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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. 

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX  this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting for some time since my identity was stolen and now being apart of the XXXX Data breach of information, i still continue to have to have fight to clean up bogus and inaccurate information. Although the FCRA says that they can not report this information I can not get any help concerning these accounts. I have 2 XXXX, XXXX which I keep telling the credit reporting companies that are not mine and not accurate and the information can not be report on the credit report if it is not correct or if it is not mine. XXXX finally fixed my problem today after properly researching yet Transunion and XXXX refuse.
Product: Debt collection

This company is violating my rights they have not provided validation information Under 12 CFR 1006.34 ( b ) yet they have placed a collection on my consumer report recently. I have made previous attempts to resolve these issues directly with them and they are violating my rights. Under the law I am entitled to {$1000.00} for every violation I listed, they either pay me or delete this account ASAP.
Product: Credit reporting or other personal consumer reports

It has been several months since I last reviewed my credit report, and I have discovered that some information is still inaccurate. The three credit bureaus are obligated to verify these items as per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to consider these reported items as unverified without providing evidence within the lawful timeframe. Pursuant to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), I request an immediate investigation into the unverifiable items and their prompt update in my report.XXXX  XXXX XXXX XXXX  and XXXX XXXX
Product: Student loan

I have been a registered nurse for 15 years and have been paying on my student loans since XXXX. I attempted to apply for student loan forgiveness as I have been working for a non profit organization for the past 8 years. Also previous employers also qualify for the non profit. I was rejected for loan forgiveness with no explanation as to why. The system confirms my employer is a non profit and qualifies for this loan forgiveness. I had to apply for a loan consolidation and an income driven plan which is going to significantly increase my payment. I had no choice but to to apply for this, I couldn't just consolidate my loan. I have enclosed a pdf of the document available from my lender ED Financial. There is no record of any of my previous payments showing on this statement
Product: Credit reporting or other personal consumer reports

Tonight, I discovered unauthorized inquiries on my credit report, and Im at a loss as to why theyre there. When I checked my credit report like I normally do, I was shocked to find discrepancies that hadnt been there before. I thought it might be a browser glitch, but after refreshing, the unauthorized inquiries were still there. Im really upset and urge a thorough review of the documents Ive submitted to ensure this never happens again.
Product: Student loan

I have called numerous times, most recently XX/XX/XXXX and XX/XX/XXXX. I am on hold for hours, and often the call is disconnected. On XX/XX/XXXX I was able to get through, only to be told I was on the incorrect line and needed to be connected to loan forgiveness. I was disconnected, called again, finally got through to loan forgiveness and was told, without explanation that my XXXX and XXXX employment certification forms have not been processed. No time estimate, no next steps. Just that it can take weeks or months. 

I have made XXXX qualifying payments as of XX/XX/XXXX, but am not eligible for forgiveness yet because they have not re-certified my employment ( same employer for past 10 years ). I do not want to make additional payments simply because they have not decertified my employment.
Product: Mortgage

The mortgage company will not release my insurance payment from the hurricane damage suffered. Ive provided all required documentation and they keep telling me they will send my money but never have.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I filed a FRAUD dispute of {$250.00} from XXXX XXXX. They denied my dispute with my Wells Fargo bank. Wells Fargo is denying my dispute and will not return the money to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion, XXXX, and XXXX several times via phone and online many occasion in regards to inquires that I did not authorize or was not familiar with. It makes it look like I have been begging for Credit and I have not. I am trying to refinance something in my credit file and it makes it difficult when theyre checking credit and I have i inquires from places I didnt inquire Credit from. I have disputed and reached out to the bureaus several times and they say the same thing over, and over and sometimes they even hang up. The following inquires where not authorized are 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back and forth with Transunion about a bankruptcy that is being reported on credit report since XXXX. Each time I ask for them to verify or validate they send a letter back saying that they verified that the information they have is accurate and that they verified it with USBK COURT XXXX XXXX DOCKET # XXXX, so I sent the same letter I been sending from the court letting them know that the courts is not verifying with them or any other bureau. I called and spoke to a representative and supervisor around XXXX due to sending a method of verification due to no response asking how are they verifying my information from the courts when I have sent the letter from the court showing they are not. The supervisor told me nothing changed cause the court verified, he then transferred me to his supervisor who said the same thing so asked for the furnisher information and he told me it was XXXX, so i asked for the number and he gave me XXXX, I called while I had him on the phone and it was US bankruptcy Court, so I ask do you all verify bankruptcy with the credit bureaus and she said its public records and they do not report. I advised the supervisor I have the right to know and was told we don't have to tell you that and I said yes you do, its my right to know who is reporting information onto my credit profile. I have asked for them to tell me how this information got reported on my credit report and they refuse abide by the laws that allows for me to know who is reporting what on my credit. On XX/XX/XXXX I sent another letter along with documentation and didn't get a response, so on XX/XX/XXXX I sent a no response letter and dated XXXX they sent the same stall letter they been sending since XXXX that it is verified as accurate by XXXX. This hindering me being able to get my career job because as I have disputed with Transunion so have I with XXXX and XXXX and has been removed due to it was not being verified and was a violation of my consumer rights. Attached would be letters that I sent as XX/XX/XXXX, along with letter from court as well as correspondence from Transunion. Transunion didn't look at the proof, how are Transunion able to verify when the other bureaus can not.
Product: Money transfer, virtual currency, or money service

This incident occurred in XX/XX/2023. Since then I have found the suspects real name. 

Under the XXXX XXXX app by Crypto.com., under the browser the site XXXX was used to deposit in ETH and make transactions. After all transactions were done, I wanted to withdraw the funds. Taxes and a retainer were asked before funds were released. After payment notification of withdrawal was stated. However after XXXX business days nothing was deposited. Numerous attempts were made to customer service for an update. Friends, friend was able to locate the missing money in a random wallet, however the wallet is locked and software is required to unlock it to move it XXXX XXXX. 
I have my wallet address through XXXX XXXX, and have a list of all the wallet address funds were sent. I was told that after each transaction the wallet address would deactivate so it could not be traced on the XXXX. Which is not supposed to happen. 
As mentioned earlier, XXXX wallets that have my money were located ( ETH and BNB at the moment ), but can not be taken out because it is locked. In order to get it out the log cost is {$9000.00}. Funds are moving from address to address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander is reporting an account from 2013 on my credit report. I have disputed this account with Santander several times and they removed it from my credit report, but now it has reappeared once again. Santander also has listed a false phone number on my credit report as a contact number I had to XXXX their number to make contact with them. Once I made contact with Santander they advised me that they have no record of me having an account with them, but all my credit reports have this account listed as a charge off and a bad debt purchased by another company I also want any information that Santander has pertaining to any class action lawsuits against them for deceptive practices and taking advantage of customers during the time we were conducting business