23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Wells Fargo has an icon listed on page with my accounts once I am logged into my online banking. It is called XXXX XXXX. At the time I had no idea this wasn't actually Wells Fargo because it is actually listed on my personal account page. Why would they have another company user tool listed with my personal checking account information?? I assumed it was how we transferred money and it was in fact Wells Fargo. Well on XX/XX/2018 We thought we were buying tickets to a football game and we transferred the seller {$500.00} through our Wells Fargo account. Come to find out it was a scam and someone had made up all of their information and they took our money. The seller said their name was XXXX XXXX and listed an email address as well. But come to find out, that person doesn't really exists and they scammed us. Wells Fargo acknowledges, after reviewing that person name and email that it's all red flags that they show and things didn't match up ( we would have no way of knowing that from our end ) BUT they refuse to give us our money back. Banks are suppose to protect their clients. We have ALL of our money and 401K and IRA with them and all they are saying is that this is not fraud but it is in fact fraud. This was a made up name and person that committed fraud and Wells Fargo is treating us like we are the criminals instead of the victims. Please help! We just want Wells Fargo to do the right thing and give us our money back. They should never posted XXXX with our account information if it is not actually Wells Fargo. We didn't go to XXXX to do this transfer, we actually logged into our Wells Fargo online banking portal and XXXX is just listed under our checking account. We didn't even know this wasn't a Wells Fargo tool until this happened and Wells refused to help us. This is so misleading and unethical on so many levels. We feel so violated and vulnerable that our bank, who we believed to be a trusted partner, would allow this to happen to us. If they will not protect you from this kind of thing thing they 100 % should not have XXXX listed in our personal customer portal. We just need help getting our money back and no one will listen.
Product: Debt collection

GS Services is calling my work number they have been told in the past not to call this number.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is 1 inquiry that i didnt authorized, XX/XX/XXXX from factual data
Product: Credit reporting or other personal consumer reports

i recently reviewed my credit score and realized there was some fraudulent activity. i would like it removed.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$25000.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Open Inquiries in Dispute : XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ford is on my credit report and it should not be. This was not my loan. I have tried to get this taken care of by multiple disputes with the credit bureaus and directly to Ford. I don't know why this is still there. I have tried over and over and over again to get it removed and it stopping me from moving on in my life. 
Help me please
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation. The specific account ( s ) in question include : * Account Name/Number : XXXX  XXXX Account # XXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically 1. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information. * CRAs must block the information within four business days of receiving the required documentation. 2. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within 30 days and delete unverifiable or inaccurate information. 3. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request. * I formally request the following : 1. The immediate blocking of the disputed information under FCRA 605 ( b ). 2. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report. 3. A revised copy of my credit report reflecting these corrections. Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly. Thank you for your prompt attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is another request to demand to the Credit Reporting Agencies to remove the fraudulent items and information off of my credit File in accordance with the Frair Credit Reporting Act section 605b. As much as I appreciate the removal of a portion of the disputed items, I am still disappointed in seeing that they have not completely removed all the disputed items. Let me remind the Credit Bureaus that per the Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting Agencies are required to remove any account that was opened without my knowledge, consent, or authority within 4 business days. The items XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX  XX/XX/ XXXX XXXX XX/XX/ XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX were never authorized and must be removed as soon as possible. I have been disputing for the removal of this item from my Credit File for a long time and yet the Credit Bureaus have been ignoring my requests for this item to be properly investigated and removed. The Credit Bureaus continued reporting of this item is a clear violation of my rights under the FCRA. If the Credit Bureaus claim this item is 100 % accurate and verifiable, then I need them to provide me with copies of any documentation associated with this item which bears my signature, as I believe none exists. It has been over 30 days since I started to dispute this item and yet the Credit Bureau have been failing to provide any signed documents proving the legitimacy of this item.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, no later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Mortgage

XXXX XXXXXXXX XXXX filed a lien on my property at XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX, which is now Washington Federal Bank. I have recently contacted XXXX XXXX XXXX ( XXXX ) in XXXXXXXX XXXX XXXX. I was advised incorrectly on how to resolve this dispute and and notified XXXX XXXX that this debt was invalid. Although filing has been continuous every 5 years, according to the Tennessee law the " Period of Validity of Liens Extensions ''.
Product: Checking or savings account

Credit Karma is refusing to return my savings account funds because I refuse to turn off my VPN to log into their site and can not gain access to their site without doing so. I refuse to turn off my VPN just to log in. I will not turn off my security measures on my network just to access their site and they will not return my funds otherwise. Their reasoning is and I quote, " For security purposes i'm not allow to move funds from your Credit Karma Savings account to your external account, that is a personal process. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 was denied opening a bank account at XXXX XXXX in XXXX nj because early warning services reported me to them. Ive never utlitized credit in my life. I dont even have a credit score or any debt ever. I have a thin file and i havent had a bank account since 2009. The report they have is inaccurate and is detrimental to me not being able to open a bank account with my work check drawn from the same bank XXXX.
Product: Credit card or prepaid card

I purchased a card in early XXXX, the card was loaded with {$250.00} ... when I went to load the card I got an " oops '' message ... stating to contact the company... I contacted them and they refused to activate my card because I didn't have id.it is now XX/XX/XXXX the card was processed on the XXXX
Product: Money transfer, virtual currency, or money service

i save my cryptocurrency on blockchain wallet, i later detect about their interest account so i transfers XXXX ETH on XX/XX/XXXX to the interest account on blockchain and on XX/XX/XXXX i transfer XXXX XXXX to the interest account, on XX/XX/XXXX i was contacted by blockchain to provide my source of wealth and i provided all the documents they asked for and i didn't read from them again, i even sent emails to asked if everything is alright but i didn't get a reply, so on XX/XX/XXXX i already had XXXX ETH in my interest account and i have XXXX BTC in my interest account too so i decided to withdraw XXXX out of the ETH in my interest account to my private wallet and i got a confirmation email which said the XXXX ETH will be available in my private wallet by XXXX of XX/XX/XXXX and by XXXX of XXXX the ETH hasn't been in my private wallet account and i didn't read from them so i contacted their support and i was told my account was been review and they will get back to me soon, on XXXX XX/XX/XXXX i was contacted and i was told i had an unresolved issues with blockchain, according to blockchain the issues happened XX/XX/XXXX and i remember immediately is about the documents they asked me to provide and i explained i already provided this document so i was asked to resend the document which i did and they acknowledged receiving it and promise to get back to me soon and they haven't get back to me up till this moment, so on XXXX XX/XX/XXXX i decided to withdraw all my ETH and BTC from my private wallet account and i also got a confirmation that it will be there on XXXX XX/XX/XXXX, by this time am writing to you my blockchain wallet account is XXXX, i have talk to the support so many times and they keep telling me to be patience that my cryptocurrency are safe and i will soon receive it in my private wallet and i haven't receive it, please am tired of been patience and this is really affecting my health because i can't just lose all my fund. i feel blockchain is trying to scam me or they used my cryptocurrency as a loan and they are finding it hard to retrieve the loan so they are using delaying tactics. i find out a lot of people are having this problem but no one is ready to speak out, some said it took 3 to 4months before getting it back. i will appreciate if blockchain wallet is contacted and asks to make my cryptocurrency available as soon as possible. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to delete some of the information in my credit file ; however, there are still accounts that need to be corrected or deleted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts will be deleted immediately. 
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

In XXXX and XXXX and XXXX of 2021, I filed a dispute with this credit bureau about Us bankruptcy of XXXX Reference Number XXXX that's reporting on my credit report that is 7 years past the filing date. I have sent proof and ask for the deletion of this outdated account. I've asked several times and In those over 3 month and i have yet to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about inaccurate reporting as of today. Thank you
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX XXXX Balance : {$7000.00}., XXXX XXXX XXXX XXXX : {$4100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I attempted to obtain my personal credit report from XXXX XXXX XXXXXXXX, part of XXXX. After I filled out the necessary form I was asked to send a written request with COPIES of both my social security card and Driver License which I feel very uncomfortable doing. 
I called customer service spoke to agent XXXX and I explained the situation. She refused to guide me as to how I can obtain my report other than submit the above mentioned copies. 
I also requested to put a freeze on my report and I was again denied such request. 

Please advise as to what I can possibly do Thank you XXXX XXXX
Product: Debt collection

XX/XX/17 {$880.00} was put into collections without my notice. I was not aware of this.
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 leaving my account vulnerable which violate Consumer financial protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent my address fraud on there platform leaving my account vulnerable and unprotected Furthermore, their dispute resolution process was unfair 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 these violations
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the 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. Here are the ITEMS that need to be removed from my file : XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

Commonwealth Financial at XXXX XXXX XXXX XXXX, PA XXXX, has been sending me collection notices in the amount of {$650.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my consent nor signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the companies and the bureaus and asked for them to be removed and they have not been removed yet. 
Account opened XX/XX/XXXX2021 in the amount of {$530.00} with XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) {$1000.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Nationstar Mortgage company lost 5 monthly mortgage checks of mine and ruined my credit score. 
I have sent them proof that I paid, by sending them cancelled/cashed checks, but have not gotten a reply from them since. 
Instead they sent me a statement, showing I failed to make 5 mortgage payments, which is incorrect as I mentioned. 
To top it all off, Nationstar just send me a notice of foreclosure. 
I have been paying my mortgage for 8 1/2 years, and have never been late, and I can prove it. 
I can not get hold of any person in charge at Nationstar Mortgage, that can stop this predatory and illegal foreclosure!! 
On top of that, they are now demanding a 50 % increase in my mortgage payments, even though I signed a fixed 15 year loan at 6 1/4 %. 
Reason given : I did not pay my mortgage for 5 months, therefore they demand that I open an escrow shortage account at monthly payments of {$750.00} instead {$470.00}, an increase of approx. 50 % in monthly payments. 
I do not want an escrow account, since I have been paying my taxes and insurance myself. 
Nationstar also refuses to refund {$950.00} in overpaid escrow fund charges. 
To put it in a nutshell : Nationstar owes me {$950.00} and I owe them nothing, since I 'm paid up with my mortgage payments. 
And now they want to foreclose - that got to be a cruel joke! 
This is a mortgage company from XXXX. 
PLEASE HELP!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has been trying to get XXXX XXXX  cards in my name for years and they will not take the inquires off my credit report. I have been disputing my inquires with them for years I have been sending my dispute letters to XXXX XXXX XXXX XXXX XXXX XXXX XXXX where all 3 credit bureaus say to send disputes. After calling XXXX XXXX dispute department they say I have been sending letters to the wrong department and that I need to dispute the inquires with the 3 credit bureaus. The address I was supposed to be sending disputes to is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told by the XXXX XXXX  employee. XXXX XXXX credit card applications are confusing some say they will not affect your credit and and some dont mention that they will do a hard credit pull. The 2 XXXX XXXX credit card applications that I applied for business credit does not state anywhere that they will do a hard inquiry on your personal credit. I look for the fine writing and I can not see it anywhere on the application even though they say it is there, the place where they ask you to put your social security number they only say it is for identification purposes only it says nothing about a hard credit pull. You shouldnt have to read a book or search for something that can lower your score. That should be in big bold letters on all applications so a customer is well informed because some applications dont affect your credit but they are from the same company and you can not tell them apart.
Product: Credit reporting or other personal consumer reports

Have been having issues with TransUnion for about 2 years Have been a premium paying member. 

I was locked out and have not been able to access the account I paid for My credit report has been UNFROZEN for over a year -- - I'M VERY CONCERNED Called TU today ( XX/XX/2024 ). Gentleman said he was " unable '' to help me and promised a supervisor would call me back TODAY... 

I RECEIVED NO CALL AS PROMISED FROM TRANSUNION AS PROMISED AND MY CREDIT PROFILE IS NOW AT RISK DUE TO THEIR NEGLIGENCE PLEASE HELP!!!