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

On XX/XX/2018, Someone from a forum offered me to a pair of shoes for {$400.00}, I sent {$200.00} to the person via XXXX using my Wells fargo checking account as initial payment, and I will pay the rest once I have the valid tracking number for the shipment in the afternoon. That person told me that the package has been dropped off at UPS. I checked the tracking online, but nothing shown up yet, the person told me to wait for one day. so on XX/XX/18, I checked the tracking number online again, nothing shown up either, so I figured out that the tracking number was fake, it was a scam. and I tried to contact the person, but he never answer my text message or any contacts. I called my bank which is the Walls Fargo to stop the payment, and their representative informed me that the payment can not be stopped because it was finalized already. I told him that I was got scammed, needs to stop the payment to protect myself. he refused and said nothing they can do at this point. I was very frastrated, and asked Wells Fargo agent at least twice about XXXX  transfer, he told me that I will not get my money back. the bank disconnected the call.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, I requested that Opp loans stop harassing me with emails. I paid my loan in full and receive daily emails to contact them to stop future interest on my account. They confirmed receipt of my request, that the loan was paid in full and that I was removed from all future marketing. I sent a second request and third request on XX/XX/XXXX. On the XXXX, they replied back that it was a computer error and assured it would be fixed. I have received daily emails for the past 30 days with an attempt to collect a debt that is not owed. I wonder if this is a marketing ploy to try to get me into another loan. The interest rates are over 100 %. The company is engaging in predatory lending and collection practices.
Product: Checking or savings account

XX/XX/2023 wellsfargo withdrew XXXX I have had my account for years my husband is on my account apparently my husband owes money and was garnished but with without notifying me at all when that money that was deposited was my checks my money there was no communication at all that this garnishment was going to take place I have bills to pay I'm on the accountant as well I was suppose to be informed of what they were to do this could've placed me in a negative amount If they would've looked at what checks were deposit they can see its in my name how can they not verify the other person on the account that this would occurred? I was told they can not speak of it only to the person that owes the money but they can withdraw the amount without the other person knowledge or permission?
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus said they dont have contracts that i signed and they contacted the creditors and they say the information is verified. How can they verify my derogatory accounts if they dont see physical proof that i signed a contract. The credit bureaus or the creditor has not presented a contract for any of my derogatory accounts that i supposedly signed for. Every account that i disputed has to be deleted according to the Fair Credit Reporting Agency. They are violating my rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX SSN : XXXX Re : To correct/update my personal information To whom it may concern, Please see the attached My only legal name is XXXX XXXX XXXX XXXX. 
My only mailing address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX My only social security number is XXXX XXXX XXXXXXXX My only phone number is XXXX Please remove and correct all other variations of the above information XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XXXX that you have on my file for me at your agency because if not I may be Regards, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As per my previous complain I was advised by CRA to contact them and give them authorization to conduct investigation .I contacted them on XX/XX/2021 and gave them authorization to conduct investigation. 
Since its not a first time I request such investigation I assume the CRA has already enough evidences that they received from the furnisher to confirm accuracy of the reported account. 
Therefore I demand them to submit to me all such correspondence from the furnisher to me by certified receipt mail and send such copy to CFPB as well. 
I demand CFPB to notify me in writing that they did receive evidences from the furnisher submitted by CRA to them.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1900.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

WFDS XXXX Balance Owed : {$8000.00} This account was involved in litigation and does not belong to me. I never established this account. This account was a result of fraud. I was contacted by a collection agency regarding the account that was obtained under my name. I have no knowledge of obtaining any of the account listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN DEALING WITH THIS DEBT THAT ISNT MINE FOR YEARS!

I AM A VICTIM. THIS IS RIDICULOUS. I NEED A CAR AND CANT GET ONE BECAUSE OF THIS ACCOUNT ON ALL MY CREDIT REPORTS REPEATEDLY. I NEED HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, Equifax, and XXXX XXXX by phone call to address the issue about how they have violated my rights according to the FCRA. 

15 U.S Code 6801-Protection of nonpublic personal information 15 U.S Code 6802-Obligations with respect to disclosures of personal information 15 U.S Code 1681 Also I have not given none of the Consumer reporting agencies written or verbal consent and was never notified that my private information would be reported or used in any way.
Product: Credit reporting or other personal consumer reports

Dear CFPB Team, I am writing to seek assistance with a tax reporting matter involving these charged-off accounts ( XXXXXXXX XXXX XXXX  XXXX XXXX ( XXXX  XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX - XXXX ) for which I have not received a Form 1099-C. This form is necessary to properly notify the Internal Revenue Service ( IRS ) about the cancellation of debt, as required by federal tax law. 

The account in question was charged off by XXXX XXXX  XXXX  on approximately XX/XX/2023, XXXX  XXXX XX/XX/2023, XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; I have made multiple attempts to contact the creditor and request the Form 1099-C, which is required for accurate tax reporting. However, to date, they have not provided the form, nor have they indicated when it might be issued.

As a taxpayer, I am committed to fulfilling all reporting requirements accurately and timely. The lack of Form 1099-C, however, has created uncertainty regarding my tax obligations for the period in question. I am concerned about potential IRS penalties or issues that may arise due to the absence of this documentation.

I would appreciate any assistance the CFPB can provide in helping to resolve this matter. If necessary, please feel free to contact me at the information provided above for any additional details. Thank you very much for your attention to this issue.

15 USC 1681 15 USC 1681 s 602 15 USC 1666B
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. Despite numerous correspondences and persistent efforts, it appears that the fraudulent items have not yet been removed. 

I kindly request that you escalate this matter and exhaust all available avenues to thoroughly investigate and remove these fraudulent items from my credit file. Transparent communication regarding the progress made and the actions being taken to resolve these issues would be greatly appreciated. 

I understand that addressing cases of fraud can be complex, but it is essential that we work together to expedite the resolution process. Your cooperation and assistance in this regard are crucial to achieving a satisfactory outcome. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

In 2006 I purchased real property at XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX. I have been making payments to XXXX ( XXXX ) and SPS ( Select Portfolio Servicing, Inc account number # XXXX ) and paying taxes via SPS escrow account with no late payments. I contacted XXXX XXXX tax accessors office and my name is not listed on tax bill, nor have I received any tax bills. Apparently when taxes are paid it does not reflect who is paying the bill, only that the bill is paid. The only reason, that I am aware of the situation, is because I wanted to place the property into a trust account. According to accessors office, the mortgage company should have filed the deed with the county accessors office, showing my name, so it would reflect on tax bills. I was informed by accessors office, that the ball was dropped somewhere, because there should be a deed on file reflecting my name, and I was informed to reach out to mortgage company. Therefore, I reached out to XXXX and SPS, whom I pay for my loans XXXX and XXXX with No Preval. I have been getting the run around from XXXX and SPS with getting to the bottom of this is. XXXX and SPS blames each other and no one is taking accountability. There appears to be poor communication, or a lack of responsiveness. Please help.
Product: Mortgage

I was interested in being pre approved with AmeriSave mortgage. My loan officer XXXX XXXX stated I had to pay an " appraisal fee '' in order to lock in my current rate. I paid {$540.00} on XX/XX/XXXX. There was no disclosure stating this was a non-refundable fee. Due to the current state of the housing market, we decided to not purchase at this time and I requested a refund of the appraisal fee. XXXX stated he would request my refund on XX/XX/XXXX. I noticed my refund had not been processed so I reached out to XXXX again. He stated he was not able to process the refund due to " reasoning '' and that I should reach out to customer service. I reached out to customer service and they stated they would reach out to his manager with the request. It should be noted, we never even put an offer in on a home and had no services rendered by AmeriSave Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Allowed, and authorized an inquiry on XX/XX/2018 for XXXX ( XXXX XXXX ) this is a fraudulent inquiry. I called the fraud victims assistance line. I was then transferred to a fraud specialist which told me he couldnt help me block the fraudulent inquiry from my report even though I stated I didnt authorize it. They also have my police report on file. Additionally the agent was very rude. He said he would transfer me to a supervisor and never did.
Product: Credit reporting, credit repair services, 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 3 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 corrected : XXXX  XXXX .... Balance : {$17000.00} ; XXXX XXXX XXXXXXXX XXXX .... Balance : {$5100.00} ; XXXX XXXX XXXX  XXXX XXXX .... Balance : {$2000.00} ; XXXX XXXX XXXX XXXX XXXX ... XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance XXXX {$2600.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$4600.00} ; XXXX XXXXXXXX XXXX .... Balance : {$1900.00} ; XXXX  XXXX XXXX. Balance : {$1900.00} ; XXXX  XXXX XXXX .... Balance : {$410.00} ; XXXX  XXXX XXXX .... Balance : {$3700.00} ; XXXX XXXX XXXX .... Balance : {$450.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

GOOD AFTERNOON, I AM INQUIRING ON THE INSTABILITY OF THE FOLLOWING CREDITORS, FAILING TO REPORT INFORMATION AS THEY SHOULD TO EQUIFAX ( CREDIT REPORTING AGENCY ) : -XXXX -XXXX XXXX -DISCOVER FINANCIAL SERVICES  -XXXX XXXX ALL OF MY CREDIT INFORMATION WITH XXXX  WAS REPORTING FINE ON MY PREVIOUS REPORTS. THIS IS CRUCIAL, AND DISABLING THE ELIGIBILITY OF BEING ABLE TO BUY A HOME/OR GO THROUGH THE MORTGAGE PROCESS OVERALL. I HAVE BEEN IN CONTACT WITH MY CREDIT MONITORING REPRESENTATIVES, ALONG WITH XXXX  THEMSELVES. THEY STATE THAT EVERYTHING IS GOOD ON THEIR END. IN THIS CASE, THE ABOVE MENTIONED CREDITORS ARE NOT GOING BY WHAT THEY'RE ENTITLED TO DO. I AM REQUESTING FOR THEM TO START REPORTING MY INFORMATION AGAIN, I DO NOT WANT TO HAVE TO TAKE ANY LEGAL ACTIONS WITH THIS. I GREATLY APPRECIATE IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and experian are reporting late payments from XXXX on my credit report US code 1681a-1 forbids anyone reporting anything personal to a transaction in a report
Product: Money transfer, virtual currency, or money service

I am trying to invest in a stock through the XXXX system/company. PNC Bank will not allow me to connect my account to give XXXX my information to invest in a stock/share of the company of my choosing.
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 15 USC 1681. 


FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX - XX/XX/year> 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: Mortgage

Hi, I am struggling very badly since I have lost my jobs in XX/XX/XXXX. But I never give up, I start driving XXXX, XXXX actively interviewing for jobs. But after a while rejection after rejection, I get mentally tired of it. 

I reached out to my Mortgage company RoundPoint Mortgage ( https : //www.rpmservicing.com ), and inform them of my hardship situation. They have adviced me to fill out a form and send them all of my earning statement, history struggling to be considered. After reviewing my case, one of the Agent called me and said to stop my mortgage payment from XX/XX/XXXX - XX/XX/XXXX. After that period the mortgage company will decide what I have to do. They also mention me to agree and sign a paper, so after 6 months, I have to pay back all the due payments including late fees and surcharge. 

I have tried to ask the agent how it will help me then. She said to get approved this is the only offer they can offer me now. 

So I didn't agree with that to sign. 

I have XXXXyrs old baby, and also we are expecting another in a few months. My wife was helping me on the mortgage, other bills, and home expenses. But on XXXX she also gets laid off from work because she is pregnant. 

We both were working hard and doing good in our career. Now with all the situation, I am straggling so hard. 

Please help with guidance, how can I save my home and lower my mortgage payments. 

XXXX XXXX XXXX XXXX
Product: Debt collection

I have received correspondence from an unknown debt collector by the name of Diversified Adjustment Services , Inc. claiming I owe a debt from a company I have no affiliation with. I am requesting a debt validation from the company to provide ALL information requested in my letter in order to validate this debt.
Product: Debt collection

I have sent several time stamped letters to this company requesting my original signed contract that I owe this debt, each time I am just sent back some kind of statement that they claim is mine. Recently when I sent the last request for validation, I received a letter in return that they will no longer be conducting another investigation of my dispute, and stated they will no longer respond to me when the information I have actually requested has not been provided. I would like my original contract binding my signature proving that I owe this debt that they are reporting on my credit. They are also calling from several different numbers on my phone through out the day, Im sure this is a violation of my credit rights
Product: Mortgage

On XX/XX/2022, at XXXX central, I received a call from XXXX XXXX at Guaranteed Rate Inc. regarding my mortgage application. Of the questions he asked me was about my health. I had taken 2 paid short term disability benefit leave of absences from work for reasons he did not need to know about, but he asked me about why I went on these leaves and if they were for related or the same illness. He stated that underwriting for the IDHA ( Illinois Housing Development Authority ) wanted to know. I thought this was very inappropriate and his tone of voice for this whole conversation was very condescending, and I tried to end the call as soon as possible. I will not be going with this lender for my loan, IDHA or otherwise, because of this discriminatory questioning.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the disputed accounts on my credit report. Despite my multiple attempts to raise this issue and request a thorough investigation, I have yet to receive any resolution or corrective action. These inaccuracies are severely damaging my credit file and hindering my ability to live a normal life.

The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay.

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This morning,  X/XX/17    i received a call from someone alleging to be with Barclay Bank wanting to discuss my credit cards and credit report over the phone. I refused and called back to see if this was legit. I was transferred to a credit counselor who inforamed that Barclay had cut my credit line by 50 % for no apparent reason. I have  XXXX  accounts in excellent standing and have never gone over the limit, been late missed payments or anything. My accounts have been perfectly maintained and by Barclay doing this it hurts my credit by making it appear i am using more of my credit than i actually am. I calle d 3 s eparate times asking for corporate headquarter contact information and the reps, on a recorded line, each time refused to provide me with that information. When i called up to cancel all  XXXX  accounts i was put on indefinite hold. Keep in mind these accounts have all been in excellent standing and they have acted to hurt my credit without cause.
Product: Checking or savings account

I had a cashapp account in my other email address and someone hacked my account and took money from me I contacted cashapp chat and they closed my account down and I never received my money back so I had to open up a new cashapp under my other email address