23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

I was n't sure which category to select -- this is regarding XXXX -- trading. Of course after sending a total of {$80000.00} I finally figured out that this company just takes and takes and a person can never win. I asked that the taxes I paid be part of my account and they gave it to me as a " bonus '' - total {$42000.00} -- which I can never get back unless the money I lost is recovered which I read never happens. Read they were a scam. My account is now down to {$3100.00}. This was my retirement ( IRA ) money and their talk was good to get me to 'enroll ' by sending in the initial {$250.00}. They are unrelenting in asking for more money. I did no trading on my own until I was down to about {$5000.00}. Their trader ( s ) did it for me prior to that and I 've lost nearly everything. Their were XXXX different transactions/funds sent to XXXX. Any way to recoup?
Product: Mortgage

Hello, we are working on a short sale where the servicer has made multiple errors and they are refusing to correct the issues and have taken a hard line approach since we brought up the concerns. They are pursuing a foreclosure and a short sale at the same time. 
The mtg was taken out in a trust yet in their system, and on letters sent out they show a different, incorrect mortgagor. 
They required financials from the incorrect mortgagor The XXXX approval letter they issued required no repayment but the new XXXX that was issued a few months later now require repayment of most of the balance, none of this was discussed before they issued the approval letter. When we brought up the concerns about the trust and incorrect names Fifth Third acknowledged this was an error but said " they are not going to waste their time correcting this issue unless the sellers agree to the repayment. '' After we addressed our concerns, fifth third also said our only options were to have a new agreement signed saying that the incorrect mortgagors would accept personal responsibility for the repayment and the trust would not be responsible. XXXX, the negotiator at fifth third refused to correct the errors or address our concerns further with their attorney. Her exacts word were '' if the sellers do not agree to the repayment, we will close the file ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 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

This account was closed XX/XX/XXXX and paid as agreed and still showing open with Equifax credit report. This is hurting my credit score and my credibility with my over creditors.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX  XXXX Balance : {$0.00}, XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

In XX/XX/XXXX I sought to establish internet service in XXXX, RI with XXXX XXXX. The service was to provide high speed internet, but upon installation was often only providing 1-2 Mbps as measured by my speed tests. This connection speed is not fast enough for even modest internet usage let alone to stream a program or otherwise effectively use the XXXX. The problem was confirmed by innumerable XXXX technicians over the next year. There were at least half a dozen technician appointments which included checking termination of cables and even changing the cable on the electric pole by XXXX XXXX. In providing access for technicians at these many appointments I often took time off work. Despite their best efforts, the technicians never were able to resolve the issue at this location and explained that the XXXX infrastructure would simply not work to provide internet effectively as currently cabled in this location. Yet I was being charged upwards of $ XXXX for high speed internet with cable. During my time there I paid XXXX over XXXX XXXX dollars for services that were never fully provided as promised. Upon receiving a final bill, I sent a letter to XXXX XXXX department to notify them that I was in fact owed a refund for the services I paid for but did not receive. This letter was sent by certified mail on XX/XX/XXXX. 
XXXX XXXX has now in XX/XX/XXXX caused a collection agency to make a report of unpaid debt in the amount of {$77.00} to the credit agencies thus lowering my credit rating from 830+ by 100 points and thus disqualifying me for a loan from the lender with whom I was working. 
I believe that this action is egregious and has caused me significant monetary damages. I would like this credit damaging report to be retracted at once.
Product: Debt collection

The company of Experian in my credit report has a one collection debt that I have paid already since two years. This is the only credit company bureau that has it in collection also they has in my credit a lot of information that it damage my credit. Right now, I am consolidating debt that is why appear that I don't pay but I do payments with the consolidation company and Experian is the only who damage my credit putting inside of my credit a lot of details that is damage my credit and it is unnecessary because they know I am consolidating debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau are reporting information on my personal credit report that shouldn't be on it without my permission. I've disputed the following items and they still haven't remove them. 

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

I dont understand when the report come back verified when my identity was stolen by the time the accounts were open. This is not fair & not right for me to punish for something I never done & making my credit suffer because of it In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX, XXXX XXXX XXXX  XXXX account, and XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

Capio Collections bought an old medical debt of mine. Instead of updating the Credit Burearu with the new information on the same account, they created a new account number with the same debt. I was n't even aware the account had been sold until I contacted the original debt holder, and they told me. I called to make arrangements with them XX/XX/XXXX, and after I called they proceeded to report the account as new debt a week later. I believe the limits to the amount of time an account can report are in place to protect consumers from lasting financial damage due to hardships. I have worked extremely hard to get my credit corrected, and pay off all the old medical collections I could. I believe this account has aged enough to come off of the report, and then the orignal debtor changes the amount, sells the account, and puts it back on as new debt. My husband and I are trying to purchase a home, and this is a huge barrier for us. I believe these type of practices by debt collectors should be considered unlawful. I would like for Capio to either update the original entry, or if by law it has already come off the report, then remove the new entry. This company should not be able to re-penalize me for 7 year old debt. The account number is XXXX. I would be happy to work something out with them if they would report this accurately to my credit report. This is the second incident this year I 've had with a debt collection agency using tactics such as these.
Product: Debt collection

The company states I owe XXXX for a debt from an apartment I lived in ; however, I paid all fees before leaving this apartment and do not awesome anything further
Product: Student loan

I do not have student loan. This is a Trust in Lending Act violation. Nelnet is reporting inaccurate information on my account and to the credit bureau.
Product: Debt collection

First, I checked my credit score and found that Perfection Collection LLC had placed a collection on my credit. I found out from the company that they purchased my account from another collection agency who settled my account. After speaking to a representative through the BBB, I was informed by Perfection that they never communicated with me by phone or letter, but placed a collection on my account which violated my rights. I never had any signed document with them neither do that have a written document or agreement with me. I am asking assistance to have them remove their name from my credit report ( were my rights have been violated ) and not to place anything or any information pertaining to my name or personal information. Please help with this matter. thanks
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX and Transunion LLC for their failure to delete two fraudulent accounts from my TransUnion credit report, despite XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX. This matter has caused significant distress and harm to my financial standing and reputation. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I submitted a dispute to TransUnion regarding an erroneous account that appeared on my credit report. This account was fraudulent and should not have been associated with my credit history. On XX/XX/XXXX and XX/XX/XXXX I responded to XXXX XXXX XXXX XXXX XXXX email and my exact words were This account is not mines I never done business with your company or if I did please send me documents where I gave your company any consent to do business with me, if this information can not be provided please cease and desist. Best regards, XXXX XXXX XXXX. But they keep on sending letters without validating any debt they say I allegedly owe them. They keep harassing and abusing me through 3rd parties like the these credit agencies. However, TransUnion responded to my dispute by verifying the accuracy of the information and refusing to remove it from my credit report. It is my understanding that before reporting any information to a consumers credit report, credit agencies such as TransUnion are required to obtain written consent from the consumer. In this case, it appears that TransUnion failed to adequately investigate the disputed information before reporting it as accurate. This failure to investigate properly has resulted in TransUnion damaging my character, causing undue stress, and putting a strain on my life and reputation. By allowing inaccurate and misleading information to remain on my credit report, TransUnion is impeding my ability to secure credit and financial opportunities. I believe that TransUnions actions in this matter constitute a violation of consumer protection laws and regulations, including the Fair Credit Reporting Act ( FCRA ). I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that TransUnion and XXXX XXXX XXXX XXXX XXXX XXXX XXXX its legal obligations. Furthermore, I request that XXXX XXXX XXXX XXXX XXXXXXXX be held accountable for its failure to delete the unverifiable account from my TransUnion credit report, despite having done so with XXXX and XXXX. Their inconsistent actions have caused confusion and further harm to my financial standing. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue and protect consumers like myself from unfair and deceptive practices by credit agencies and debt collectors. THANK YOU!
Product: Money transfer, virtual currency, or money service

From XX/XX/year> - XX/XX/year>, I have sent several wire transfers to relatives accounts in the XXXX XXXX for {$44.00}, {$35.00}, {$35.00}, {$17.00}, {$26.00} and {$35.00}. Though Bank of America provides a " Complete '' status of this transfer on my end and withdraws these funds from my checking account immediately, the funds have never gotten to my relatives accounts. My relatives have checked with their banks and have confirmed these wire transfers never hit their accounts. For 5 of these transfers I've had to use XXXX or XXXX XXXX to send these funds again, in addition to paying fees per transfer but at least these service providers guarantee delivery and the receivers gets the transfers. I have submitted recall requests with Bank of America for all of these wire transfers but none of these, which total {$190.00} have been returned to my account.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I contacted all three credit bureaus regarding inaccurate information that was reflecting on my credit report from my car insurance company. After speaking to supervisors from XXXX the account for XXXX XXXX was removed. However, after speaking to a supervisor from TransUnion and XXXX who assured me that the account would be removed, it has yet to be removed. As I am in the underwriting process this is causing a tremendous roadblock in my homebuying process. To date, I have not received a reply from TransUnion and XXXX and this account is still currently negatively impacting my score. I have made several attempts to rectify this issue with TransUnion and XXXX an I have yet to receive a response within a reasonable amount of time. TransUnion and XXXX have yet to validate the alleged debt from XXXX XXXX and has allowed this company to report two negative accounts on my credit report.
Product: Credit reporting or other personal consumer reports

I am failing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 stating the accounts are accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 which mandates a responsible investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.A as highlighted in the CFPBs resent administration preceding. 
Some accounts are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

The card provider is cash app these refused to refund me they didnt even want to open my dispute I didnt authorize multiple transaction but every time I contact them they give me the same response and tell me to call there support line which btw is fake and no one answer ever there support team do not help and is rude.
Product: Credit reporting or other personal consumer reports

The information listed on my XXXX XXXX  was not created by myself.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXXccount number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, after pulling my credit report, I discovered multiple accounts on it that I did not recognize. Few days went by and I went file Police Report on the XXXX of XXXX, 2020. With the Police Report in my hands, On XX/XX/2020, I submitted my first dispute package to the CREDIT BUREAUS, with a list of all the accounts that were not mine. As of today 's date, I still have a few accounts that I need out of my credit report so I decided to take an extra step, contacting the CFPB for some help. Below is a list of accounts names remaining on my credit report that are not mine and they are badly affecting my credit score : XXXX and two accounts with XXXX  XXXX XXXX  XXXX XXXX Unfortunately, I am not able to upload my last complete package that I mailed out to the credit Bureaus, but attached are the most I was able to upload.
Product: Mortgage

We have had mortgages with Citibank since XXXX. When we were moving this year, we once again decided to use them for our mortgage. Everything seemed to be moving along fine. We sent all required paperwork in as soon as it was requested. When it came to closing day, XX/XX/XXXX, we were all packed up with our family, pets and food in a chest freezer for the 3 1/2 hour drive to the lawyers office to sign the papers. When we arrived, they informed us that Citibank had not sent them the closing documents. We called them only to find out that they didn't have the closing documents ready. They informed us that it would be at least 3 business days before we could close because they needed to send us a closing disclosure for us to approve. This put our closing date off until XX/XX/XXXX. When we asked what happened, they never gave us a straight answer. We were only told that they let our loan processor go and we needed to re-submit our paperwork. So here we were, homeless, in the middle of a pandemic with all of our things, pets and food in a moving truck. This put a tremendous financial strain on us as we now needed to pay for a hotel, restaurant food, clothing to get us by, extra moving truck expenses, and spoiled food. Citibank finally sent us the closing disclosure and we closed on XX/XX/XXXX. They apologized for their complete ineptitude and told us that when we would go to close at the lawyer 's office, there would be a credit for us due to all the extra expenses that we incurred. There was no credit included in our close. We brought this to their attention numerous times and were told numerous times that they were working on getting it approved. After months of sending emails to their entire management team, we still have not received any type of reimbursement.
Product: Mortgage

The mortgage Officer attempted to secure me a cash-out refinance. I have very unique circumstances which I explained to the loan officer. The mortgage on the property was in my deceased mother 's name. The property was titled to myself. I had been making all payments since the property was purchased in XXXX. The loan did not materialize because of late payments made in XXXX. The loan officer was negligent because the payment history was disclosed to him pretty early in the process. He requested I pay for an appraisal at a cost of {$500.00}. He knew that the loan was not possible due to the late payments. I was not sure how this affected the transaction. The mortgage was not in my name, he is the trusted professional, not me. I counted on his expertise in this matter. I have had 3 different appraisals since XXXX of XXXX ( Mortgage 1, Caliber Loans, and XXXX XXXXXXXX XXXX XXXX ). Caliber Loans is the only financial institution to charge me an appraisal fee. I strongly believe Caliber Loans should return my appraisal fee because they ordered it knowing the loan would not proceed due to late payments.
Product: Debt collection

On Saturday XX/XX/year> midland credit management contacted me at XXXX am eastern time from the phone number ( XXXX ) XXXX. I told them to no longer contact me and the agent on the phone told me its their right to contact me even when I asked to not be contacted again. This is a clear FDCPA violation. When a consumer requests no contact, the collection agency must no longer contact the consumer.
Product: Credit reporting or other personal consumer reports

I am wanting the following inquires to be deleted because I did not authorize the following companies to run my credit. This is fraudulent due to identity theft. Down below I have uploaded a report of the two companies and the dates that the activities occurred. Thank you for all of your help.
Product: Credit card or prepaid card

My wife and I are joint holders of a Citi Credit Card, which is predominantly used by her. The card has been charged from the inception of its account for " Payment SafeGuard '' for a service we did not select. We were not aware about this charge until I saw the credit card statement in detail today. When we spoke to the representative he mentioned that it is our job to call and tell Citi that we do not need this service. 

More on the Service : https : //www.cardbenefits.citi.com/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFPB has already caught Citi for doing this before. I also believe that this matter is the same as : https : //www.consumerfinance.govXXXX We would like a full refund for this charge from the inception of the account.