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

Hello, I transferred XXXX from my revolut account to my coinbase account via a XXXX transfer on XX/XX/18 at XXXX GMT. The transfer has not been credited to my coinbase account. I have carried out a separate transfer since which has been credited. I contacted coinbase via email who asked for details of the transaction, they initially replied within a few short hours. I have sent 4 emails over the past 48 hours asking for an update without a reply. Revolut confirm the transfer took place.
Product: Credit card or prepaid card

XXXX XXXX charge XXXX I was not authorized, and report to my credit report Rocket loan report XXXX installments loan to my credit report, this is someone use my ssn to get personal loan, I was a identity Theft person on XX/XX/2022, I gave police report, FTC report, but they not respond it, cause my credit from XXXX to XXXX, I never make loan, I dont need, this 2 company is unsecured company
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complain to dispute the presence of fraudulent items on my credit file. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request the deletion of inaccurate, incomplete, or unverifiable information from my credit report. Upon reviewing my credit report, I have discovered several items that are the result of fraudulent activity. These items were not authorized by me and are therefore inaccurate and should be removed from my credit file. Specifically, the fraudulent items I am disputing are : U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  PA ) XXXX Balance : {$870.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$810.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$830.00} U S DEPT OF EDXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX I have taken the necessary steps to report the fraudulent activity to the appropriate authorities and have provided documentation of the same. I request that you investigate this matter and remove the fraudulent items from my credit file as soon as possible. In case you hold the belief that the contested items are rightfully mine, I request that you furnish me with copies of the supporting documents for your claims. If no such documents exist, it is imperative that you promptly remove the fraudulent items.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting this account on my credit report. They have re-aged the date of last activity and is reporting the date of last activity as XX/XX/2021. under FCRA 605 ( C ) running of the period it is a consumer protection under the FCRA VIOLATION to try and re-ag an account by updating the date of last activity on my credit repot in hopes of keeping negative information on my account longer. this violation is sueable by 1000 in fines.

i have uploaded my credit report for XXXX, XXXX and XXXX. in all three reports they have constantly re-aged the date of last update.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Alleged account # XXXX The 3 Credit bureaus failed to properly investigate a dispute, so i filed an investigation directly with the collection agency in the form of a sworn testimony ( AFFIDAVIT ) to which they have responded ( attachment ) that they will request that the 3 major credit bureaus delete the tradeline of the referenced account. However, they have concluded that this may take up to 90 days, to which I am disputing needs to be removed immediately!
Product: Mortgage

To Whom It May Concern, Refinance House Loan Amount {$330000.00} Payoffs and Payments : XXXX XXXX : {$300000.00} ( Only paid {$300000.00} XXXX XXXX XXXX : {$9400.00} ( Paid in full ) XXXX : {$7100.00} ( Paid in full ) XXXX XXXX {$2300.00} ( Paid in full ) XXXX XXXX XXXX ( Paid in full ) XXXX  Card {$290.00} ( Paid in full ) XXXX {$49.00} ( Paid in full ) I was told by XXXX XXXX that I would get back all of my escrow money, which was {$1500.00}. I only received a check for {$58.00}. I am not going to sign the check for this amount. XXXX kept {$1400.00} of my escrow. I was told by XXXX that XXXX did not pay the full amount and they only received {$300000.00}. They said that XXXX XXXX told them to take my escrow money. I then called XXXX XXXX and they said that Cross Country called XXXX and told them to use my escrow money to pay the difference. 

I was lied to by XXXX XXXX. He told me I would receive all of my escrow money, then proceeded to call XXXX and take it. I was never told they were taking my escrow and I never authorized them to take my money. If I would have known this, I would have never taken the loan. That payoff was supposed to come out of the {$330000.00} that I borrowed. 

When it came time to sign the papers, they tried to pull a fast one and wanted me to pay {$1600.00} up front. I was not aware and I told the person I am not signing anything. He left and then I called XXXX XXXX. XXXX said that was a mistake and then called the XXXX XXXX to redo the paperwork. The person called back in a couple of hours. They took off the {$1600.00}, then they pulled this with the escrow account. They robbed me of my money. I am wondering if they gave the person that we signed papers with the money. Something seems fishy about this situation. 

He also had some {$1600.00} on the paperwork for half a point. I asked him what that was and he said dont pay attention to that, youre not paying for points. I asked him why that was on there. I told him I dont pay for points, I would never do the loan if I have to pay for points. 

XXXX XXXX from Cross Country told me that they changed the payoff on the mortgage after I signed the papers. The escrow that they took out from XXXX, said they took it to pay the insurance because the insurance went up. The insurance is only {$870.00} a year and it does not come out until XXXX. Then he said that the money came out to pay the mortgage company. They also changed the mortgage amount without me being informed and then XXXX XXXX said that I already signed the papers and it's too late, that I am stuck with the bill. I was deceived because they didn't follow the truth in lending law by informing me that they changed the mortgage amount and if I would have known that then I would of never done the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX XXXX - this account doesn't belong to me Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete. 

XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete
Product: Credit reporting or other personal consumer reports

I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items. 



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

I have been disputing information that is appearing on all 3 of my credit reports with Experian, XXXX  and XXXX XXXX for a very long time now as there is a significant amount of negative and derogatory trade lines on these credit reports that do not belong to me nor did I ever sign anything for them and each and every single time I have disputed these with all 3 credit reporting agencies all they do is inform me that after verification it belongs to me. I had requested from all 3 of them then please provide me proof and evidence with dates and proof of my original signature on these items and they informed me they do not do that and then I had asked how do you verify that it belongs to that person and I was told by social security number and date of birth and I informed them I was a victim of identity theft and have the police reports as proof of the crime and they informed me that do not accept documents of that nature. There are auto loans on my credit reports that I never had or signed for and there is federal and state tax liens as well and none of them ever were associated with me ever and none of the 3 credit reporting agencies will do anything to help and assist me to have all these negative and derogatory trade lines removed and deleted from my credit reports that I never had anything to do with and this is wrong in my opinion why I am being punished for something I never created in the first place. I am demanding swift legal actions taken against the 3 major credit reporting agencies Experian, XXXX and XXXX XXXX immediately as this is not right to be treated like a consumer in this manner ...!
Product: Credit card

Credit Karma misleading my account with false advertisement. Pre approvals with no success. Took my information and sold the third parties without my knowledge. 

My social security was compromised because of them. 
I demand to be compensated for the damaged they have caused and jeopardized my personal information.
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 1

5 USC 1681. 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: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get transunion to update my report for over a year now. The only accurate information they have for me is my current job. None of my open account and they have accounts in collections I've disputed multiple times as I've never used the original creditors service. I have requested credit reports and access to the actual website but my requests go unanswered. I have never had an account with XXXX XXXX XXXX XXXX  yet they won't provide proof of this being my debt. I have a car loan with XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX NY XXXX Opened XX/XX/2021 starting balance {$10000.00} current balance is $ 7810 monthly payments of {$420.00} 34 month term. Have other accounts as well
Product: Debt collection

I have received repeated calls from multiple numbers - every day, multiple times a day. They do not speak or leave a message, but traces back to Credence Resource Management - a company I have absolutely no history or ties to, nor do I know of any collections they should be calling about. 

Some of the numbers used : XXXX XXXX XXXX This is invasive and abusive and needs to stop.
Product: Credit reporting or other personal consumer reports

XXXX AND XXXX ARE REPORTING INACCURATE PERSONAL INFORMATION
Product: Mortgage

During the pandemic in XXXX and XXXX I missed some payments. When I went into repayment, my balance increased and my mortgage is now {$20000.00} more than I originally ally borrowed and ~ {$50000.00} more than my principle. I dont understand why I owe more than I borrowed. I e tried unsuccessfully to get answer and paperwork explaining what happened. Wells Fargo has failed to provide a written explanation.
Product: Credit reporting or other personal consumer reports

I have requested multiple times for XXXX, XXXX and Experian to remove my two Bankruptcy records from my reports. XXXX removed one, however, XXXX and XXXX both claim it is public records. I have a letter from the Bankruptcy court that they did NOT in report to the agencies, which means they received the information from a third party. I have opted out many times from XXXX, so I do not know where they have gotten the information. I never gave anyone permission to report this information.
Product: Mortgage

I have owned my home for 15 years and now face foreclosure auction on XXXX XXXX because my mortgage company Nationstar has not given me an opportunity to cure my missed payments. I missed payments because I was involved in a bad car accident that kept me in the hospital for months and out of work for a year and a half. Now that I have steady income coming in from XXXX and VA benefits I am in a place where I can make a fair payment but Nationstar has not been willing to consider me for a modification or restructured loan that would help me fix this problem. The company changed their name to Mr. Cooper and claims that they are a community based lender that wants to help. I am here to tell you that is not true. I am being overwhelmed with junk fees and legal fees and their agents have not been willing to help me get considered for a permanent option to save my home. This is very stressful and disconcerting. 

I refinanced my loan in XXXX XXXX right before the market crash with XXXX XXXX XXXX XXXX I later found out that the owner was indicted for mortgage fraud and this company went belly up so the loan was transferred to XXXX and then eventually went to Nationstar. At the time I was a XXXX XXXX at a XXXX XXXX ( had been in this line of work for 25 years ) and there were no financial issues. Then I was involved in a bad car accident in XXXX and ended up in the XXXX. I was XXXX for three months and then had 6 months of XXXX while dealing with the XXXX XXXX on my XXXX. I was essentially out of commission for 18 months and due to missing so much time my company let me go from my $ XXXX a year job. That was a tough time for me and I ended up defaulting on my mortgage. I am currently on XXXX XXXX and monitored by the VA doctors. I was eventually able to get approved for my XXXX XXXX and also my VA benefits and attempted to get back into good standing with my mortgage. 

However, Nationstars agents demanded that all past due payments be reinstated in order to save my home from foreclosure. I can make a fair payment but am not able to reinstate the loan. I feel that the loss mitigation department at Nationstar/Mr. Cooper has denied me access to government and internal programs that should be made available to me. I wanted some type of modification or restructured loan so that I can fix this problem, but their agents have claimed that there are no permanent options. I have been sending in payments in order to show good faith and Mr. Cooper has been accepting them, but at the same time they have set a foreclosure sale date of XX/XX/XXXX I believe this is known as dual tracking. I want and deserve a permanent option. I want and deserve an affordable plan and payment on my mortgage so that I can get out of foreclosure and have the comfort of knowing my house is not going to be taken from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account # XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX 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 : States, a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified of fraud from a credit monitor system ( XXXX ), that multiple credit cards accounts were attempted to be opened and inquiries placed on my credit report all with Transunion, XXXX and XXXX companies. The dates of these inquiries include : XXXX XXXX, 2023. Two inquiries were with XXXX credit card company ( XX/XX/XXXX and XXXX, 2023 ), which I called them about, and made them aware that the person was not I who attempted the accounts. They stated the person committing Fraud tried for a XXXX credit card through them, which they declined at the time. XXXX credit card representative stated the he would notify the XXXX  Credit Bureaus of the Fraud. I then called XXXX XXXX to notify them of the one inquiry on XXXX XXXX. They stated that they did not see an account opened in my name and that I would have to send them the Fraud report letter by fax, which I am doing today, for them to follow up with XXXX. I then also notified XXXX credit card company of the inquires placed on XX/XX/XXXX and XXXX 2023. Per XXXX they could not do anything about the inquiries due to no account being shown under my name or social. They stated I would have to wait and call them in a couple days to see if there are any new accounts made in my name. They stated they could not notify the Transunion or XXXX since there was no evidence to be seen from them of fraud. After calling XXXXXXXX XXXX and XXXX XXXX, I then called each of the Credit Monitoring establishments. Transunion was notified of each inquiry and my account frozen to assist with further fraud attempt. XXXX and XXXX were also notified and all have been Frozen account wise. After reporting all of this, I will be sending the reports from XXXX to Transunion, XXXX, XXXX and all the credit card companies to help assist with deleting these fraudulent Inquiries on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed equifax dropping my score drastically on Accounts that where closed because these were paid off, instead of increasing my score like it has done on other credit agencies like in XXXX. 
My XXXX  is reporting accurate and ok and my score increases like it should.showing correct score and updates. 
Also noticed hard Inquires that I have not requested only showing on my equifax not on XXXX. 

Equifax dropped my score after successfully paying off a personal loan and closing my XXXX XXXX and other, also showing up Hard inquiries which are unknown to me that also decrease my score. 

I been using credit freeze for own security purpose and have noticed that Equifax since they started charging for every service are intentionally decreasing scores at their own will for force consumers into payment of their. 

I have had excellent credit for years, over XXXX and last few months only Equifax started decreasing my score till reaching the XXXX points from a excellent to fair credit whic is affecting my fico overall. 

All my accounts have been either successfully paid off and existing ones are current and up to date on payments. 

Equifax should stop this and correct my score to XXXX  XXXXXXXX and stop trying to force consumers to boost scores with their service or trying to charge services in order to increase scores. Shameful that responsible people with Excellent scores like myself. 

Right now just checked thru XXXX XXXX and XXXX shows my score XXXX vs Equifax XXXX.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report today again, I saw some inaccurate information in my credit report. I wrote several letters already requesting you remove these inaccurate information from my credit report. I dont know why you are ignoring my request. Please DELETE them ASAP!!! 
My ONLY NAME is : XXXX XXXX XXXX XXXX XXXX ADDRESS should read : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Please remove these inaccurate addresses from my report. XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, AZ, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, AZ, XXXX
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The amount of years that it says my credit has been opened is not correct
Product: Consumer Loan

We have had this loan for greater than XXXX years, originally as a home equity loan. Late payments were made however payments were always made. We placed it into consumer credit counseling in XX/XX/XXXX when the owner refused to work with us to lower the interest rate so we could pay it off. at this time, we believe it is a negative amortization situation. At this time the owner still refuses to accept a payoff to end the loan ( a reasonable payoff ). We continue to make payments via the consumer credit counseling service and have until XX/XX/XXXX left to pay on it at the current rate. The owner company has more than recuperated their principal amount with interest. The original interest rate was over 20 % and was paid like that for many years.