23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

There's a company using scare tactics to attract attention. This should be illegal. The company " Freedom Mortgage '' ( if that even exists ) printed my supposed " mortgage number '' on a direct mailer ( for all to see ) that they have closed on my mortgage, but I didn't apply for one. Someone, maybe an older individual or someone in frail health, might have a cardiac response to something that alarming. I know better, but I still think it should be reported. This is wrong. It's evil and should be illegal.
Product: Student loan

XX/XX/XXXX : Submitted PSLF application. After months of no response, I was told I needed to consolidate my loans to be transferred to Mohela and submit my PSLF again. 
XX/XX/XXXX : resubmitted form via fax and received confirmation. 
XX/XX/XXXX : Submitted PSLF to meet deadline, no record of previous submissions. 
XX/XX/XXXX received notification that ECFs were processed. XXXX qualifying payments, needed Employer Cerification for months after XXXX. 
XX/XX/XXXX Submitted final Employer verification. The form was cancelled as a duplicate. I called Mohela and was told, it was okay because I have over XXXX qualifying. Called back the next day and was informed that the forms needed to be resubmitted. I resubmitted the forms, XX/XX/XXXX forms show as resubmitted for review. This starts the 90 days again. I am at the same employer from previous verification. 

Concerned the forms are marked as duplicate each time because they are signed by same HR employee.
Product: Checking or savings account

XXXX XXXX XXXX {$470.00} No actions take but trying to explain how they system work.
Product: Credit reporting or other personal consumer reports

Complaint against XXXX, XXXX and XXXX. Multiple inaccurate reports which directly violates the requirements set forth under the Fair Credit Reporting Act. Specifically section 623 ( 15 U.S.C. 1681 s-2 ) mandates that furnishers of information provide complete and accurate date while FCRA section 611 ( 15 U.S.C. 1681 i ) requires a prompt and thorough investigation of disputed information. Multiple efforts were made over the phone to make the necessary corrections and remove all adverse items complained about directly without success. This act directly violates ( 15 U.S.C. 1681 o - Civil Liability For Negligent noncompliance ) and also violates 15 U.S.C 1681 s-2 - Responsibilities of furnishers of information to consumer reporting agencies. False and damaging reports of Liens, charge offs, settled accounts, open and closed accounts, inaccurate opening dates. Inaccurate balances, incorrect names and addresses falsely reported. Erroneous status and account status false reports of past due when no verifiable amount is proven to be owed. The inaccuracies fail to reflect the true Tier one credit of the consumer / living Trust causing false and misleading denial to prohibiting access to credit while the estate is backed by the full faith of the U.S. Government / Treasury. A notarized Federal Trade Commission Identity Theft complaint has been filed along with a police report with all 3 reporting agencies and all 3 banks that were compromised and contributed to the unconscionable amount of damage to my credit history and profile. The federal complaint report was filed and being mailed certified. The certified mailing number can be provided if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XX/XX/XXXX report at XXXX with XXXX XXXX XXXX, then in XX/XX/XXXX I tried to open a business account at Well Fargo where I was a secondary signee.
The account was opened and after a few days it was closed because of the XXXX record. I did not have 7 days with the account and no transactions were done. Wells Fargo also kept the {$100.00} dollars I opened the account with.
After I was denied opening a business account at Wells Fargo onXX/XX/XXXX I requested a report and this is what I found : Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed For Cause-Purged Previous Account Status : Closed For Cause.
Wells Fargo has created a file just because I tried to open an account, I have done nothing to defraud anyone, ever.
The XXXX record with XXXX XXXX XXXX was due to overdraft fees from a payday Loan company that stubbornly kept doing the check presentation even after I talked to them about my situation to make an arrangement.
I am not a con man or a schemer. I just fell in a long unemployment period, which last time I check it is not a crime.
The XXXX XXXX is lazy. Everybody is thrown into a pool with the criminals and the XXXX XXXX of this world. Who is going to fix this system?
I request that these reports should be totally purged from my file. I have been delivered an economic XXXX XXXX, and possibly an employment opportunity just because of unemployment.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number XXXX XXXX Account name : XXXX - Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX/XXXX  Account number : XXXX Account name : XXXX  XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity XXXX.
Product: Money transfer, virtual currency, or money service

Summary : I am a victim of an elaborate job posting scam that began XX/XX/2022 which led to me sending a recipient two XXXX  transfers using the XXXX service offered thru my bank Wells Fargo on XX/XX/2022, to pay for training materials and a laptop. Note the scammer had sent me a check for XXXX the day before, to cover the XXXX XXXX transfers however it turned out to be stolen. 

1st XXXX transfer was done XX/XX/2022 at XXXX EST. 
2nd XXXX transfer was done XX/XX/2022 at XXXX EST. 
At XXXX the scammer then requested I locate a " XXXX XXXX '' ATM right away to exchange XXXX cash for XXXX. I did not complete this request and I called Wells Fargo at XXXX to report the scam transaction and to have the XXXX transfers reversed. They left me with the impression I should get the funds back in about 10 days but that didn't happen. 

Notices I received days later via us post office from Wells Fargo : 1 ) Notice dated XX/XX/2022 acknowledging fraud claim XXXX submission and that they are looking into the matter. 

2 ) Notice dated XX/XX/2022 stating they determined the payments were processed as requested however as a courtesy they will continue to attempt to assist with a resolution with the receiving financial institution. 

3 ) Noticed dated XX/XX/2022 stating the two XXXX transfers have already been approved and processed and they are unable to stop or reverse the funds. Also they notified the receiving financial institution and XXXX Network about the scam and they submitted a request to have the funds returned however it is not guaranteed. They have closed the claim. 

It is a very poor business practice to process XXXX transactions without a reasonable window of time to reverse the transaction especially with the number of scams happening these days. Note these ( 2 ) transactions were to purchase a laptop and training materials and even though it was under fraudulent pretenses, I paid for something I didn't get and Wells Fargo and XXXX should provide a form of purchase protection if not like one receives with credit card purchases. 

I have a lot of support documentation to provide if needed : Initial text offering to engage in an interview with a link to access the scammer Chat history using XXXX application with the scammer Image of stolen check and the XXXX envelope used to send it to me. 
Wells Fargo notices received in the mail as described above. 
Documents provided by scammer : Job Offer Letter, Code of Business Conduct, I-9 form and W-4 Screen shots of the XXXX transactions Screen shot of the call time to Wells Fargo to report the fraud Emails between myself and scammer and more. 

Thank you kindly in advance for any help you could offer in getting my XXXX back.
Product: Debt collection

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on 3 Bureaus ' responses about the written requests I sent regarding DESIGNED RECEIVABLE. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : 1. DESIGNED RECEIVABLE SO XXXX  Balance {$300.00} ; 2. DESIGNED RECEIVABLE SO XXXX  Balance {$420.00} ; 3. DESIGNED RECEIVABLE SO XXXX  Balance {$1600.00} ; 4. DESGN REC XXXX  Balance {$130.00} ; 5. DESGN REC XXXX Balance {$74.00} ; 6. DESGN REC XXXX  Balance {$160.00} ;
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below. 
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 an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fraud transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and major financial loss, and I seek appropriate redress for these violations brought upon me
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXXXXXX XXXX sent me a 1099c cancelation of debt .Amount of debt is different from what's reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that Exeter Finance to remove my payment history off my consumer reports. According to ( 15 U.S. Code 1681 A ) they are not allowed to report my payment history on my consumer reports.
Product: Debt collection

I received a bill from Keystone  law in the amount of XXXX via postal mail. I also received 2 voice messages from XXXX XXXX on XX/XX/XXXX  and XX/XX/. On XX/XX/XXXX  I mailed an affidavit of truth, along with an invoice on XX/XX/XXXX  which was ignored by Keystone law LLC. A notice of non-response opportunity to cure on XX/XX/. I have not heard from Keystone law llc or gotten any responses from this company since I've mailed out my notices. This company has violated my rights and laws under the FDCPA. I do not have a contract with keystone law nor did I sign any contracts with this company. I did not give them consent to contact me about a debt that I do not owe to them.
Product: Credit reporting or other personal consumer reports

XXXX Experian and XXXX are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXX ON XXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form XXXX, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXX ON XXXX are inaccurate and must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A BUNCH OF FRAUDULENT ACCOUNTS ON MY CREDIT REPORT:

EQUIFAX
- ONLINE INFORMATION S XXXX XXXX
$XXXX  

XXXX
- 10 XXXX XXXX XXXX Collection services $XXXX
-  11 XXXX XXXX XXXX
Collection services
$XXXX


XXXX
- XXXX XXXX XXXX Other Collection Agencies $XXXX
- XXXX XXXX XXXX XXXX XXXX
Collections  non specific $XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquirieXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX Account # : XXXX High Balance : {$1000.00} Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX High Balance : {$1000.00} Account Name : XXXX XXXX Account # : XXXX XXXX High Balance : {$720.00} Account Name : XXXX XXXX Account # : XXXX XXXX High Balance : {$720.00} XXXX  Account # : XXXX 15 U.S.C 1681 section 602 A States i have the right to privacy.

15. U.S.C 1681 SECTION 2 : It also states a consumer reporting Agency Can not Furnish A Account without my written instructions.
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 XXXX 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 XXXX 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 severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX Balance : {$660.00} XXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXX Balance : {$330.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$1500.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX XXXX : {$1000.00} XXXX XXXX Balance : {$660.00} XXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$330.00} XXXX  XXXX Balance : {$400.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$140.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

US Bank shows 3 credit inquiries related to a mortgage application that I made between XXXX XXXX to XXXX XX/XX/2019. 

They had a system problem that caused me to have to submit the application 3 times. First one would not allow my social security number to be entered and I used my wife 's. They said they'd need a whole new application. They then advised I need to talk to a different dept of the bank who required another hard pull but said they'd remove the other 2. They did not.

It's OK for me to have 1 hard pull, BUT NOT 3 of them. They said they'd take care of these extra 2 credit pulls ( remove from XXXX ). They have not done this for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) Company at issue - Experian 2 ) Mortgage company ( XXXX ) uses Experian to perform a soft pull so as to initiate the application process. I tried multiple times and the error I received at XXXX was that it was not able to check my credit report. Suggestions included using a different address or removing any freezes that may have been placed on the account. 
3 ) I never placed a freeze on my account. I tried a different address. Neither worked. 
4 ) I contacted XXXX, to ensure legitimacy and perform due diligence since I understand the risk associated from the unlawful doclosure of a credit report to an unauthorized party. 
5 ) XXXX was understanding and suggested I add in a middle initial. This also did not work. 
6 ) XXXX said the issues was with Experian and for some reason they were not releasing my credit report to perform the check so that I could begin the application process. 
7 ) I used XXXX to pull my free credit report. 
8 ) I did this and I could see five different soft pulls from XXXX, XXXX on the report. This demonstrates that my identity was verified and the information I provided was a match since the soft pulls ARE ON MY CREDIT REPORT. 
9 ) I called Experian directly and their response was that I hadn't accessed my credit report membership in over a year. 
10 ) I did not know I had a membership, which is concerning. Rep assured me it was a " free membership. '' 11 ) However, this was an inaccurate statement since at that time I was viewing my credit report that was generated a day prior to speaking with the Experian rep. 
12 ) Experian rep did not confirm or deny the ability to see the soft pulls that are clearly visible on the credit report. 
13 ) Experian rep gave no solution for the issue with the bank being able to perform a soft pull. 
14 ) I will not be able to apply for a mortgage with XXXX since the application requires a soft pull prior to initiating the application process. 
15 ) Both a person ( me ) and a business ( XXXX ) is experiencing negative effects from this CRA.