23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

i have never received any money from any financial institution including XXXX. no money was ever given to me. i did not receive any money for an auto loan or the likes. i have never stepped foot in a XXXX branch. the accounts on my credit profile a fraudulent and need to be removed immediately. this serves as my affidavit as i swear under penalty of perjury that i have never received any money from XXXX for an auto loan or the likes thereof.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is not a duplicate tied to complaint XXXX. I pulled my XXXX credit report and found XXXX XXXX XXXX had pulled my credit without authorization on XX/XX/2018. I sent them a letter to remove the unauthorized inquiry or provide the signed application which is needed to file a FTC identity theft report. They did not delete the inquiry or provide the documentation required under section 604 of the Fair Credit Reporting Act. This is a violation of the law and they must comply be deleting the inquiry or providing the signed application, so an FTC identity theft report can be filed. Failure to adhere to the law will result in legal action.
Product: Money transfer, virtual currency, or money service

Dear CFPB Officials : I am an XXXX XXXX XXXX XXXX XXXX ( XXXX  ) and I left the XXXX  in XXXX. I am a resident of XXXX. My vested stocks from XXXX ~ XXXX shares went into an Individual account with Merrill Lynch post my exit. My account number is XXXX XXXXXXXX. 

In XXXX of 2024, I decided to sell all my XXXX XXXX shares. I had to make multiple expensive XXXX calls to sell these shares and subsequently remit the sale proceeds to my Savings account in XXXX with XXXX XXXX. The process was very cumbersome and an easier communication channel for foreign investors like me was not provided even though I asked for one from the call center agents at Merrill Lynch. 

In my first attempt to remit the money in XXXX, XXXX, I spoke to an agent with Merrill Lynch. She lacked expertise about the remittance procedures and was not aware of the right information necessary to execute the remittance. I landed up providing an Intermediary bank XXXX XXXX  instead of my XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  due to lack of adequate guidance from the agent. The Agent also did not ask me for an XXXX code of my XXXX account. The remittance was ultimately unsuccessful and I landed up incurring close to {$800.00} in unnecessary XXXX  and other charges which is a fortune for a person in XXXX and an unnecessary drain on my hard earned savings. 

While Merrill Lynch takes a declaration from unsuspecting customers that the onus of providing right information for remittance is with the customer, I am not sure how the Customer can be expected to know the nuances of the complicated remittance procedures unless they are properly guided. It is Merrill Lynch 's duty to explain the procedure to the customer and seek all the right information for a successful remittance and make this process as less tedious as possible, especially for foreign investors. 

I subsequently raised a concern about the above through a written communication on their website. An Advisor called me from the XXXX, took the time to explain what was needed for the remittance. Thereafter my second attempt to remit the money was successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud identity stole my social security and passport and documents front he closing of my house now everyone is pulling hard inquiries from my credit please help stop this
Product: Mortgage

I have applied for a loan modification with Nationstar Mortgage several weeks ago and have since received on XXXX/XXXX/16 a letter dated XXXX/XXXX/16 letting me know what they are waiting on. 
I have enclosed the letter stating what they need, nothing from me but info from other parties. Since I have applied Nationstar has recorded a " NOTCE of DEFAULT '' and a SALE DATE of XX/XX/2016, this is " DUAL TRACKING ''., which is a violation of the recently-enacted HOME OWNERS BILL of RIGHTS, civil code 2923.6 ( c ), which prohibits a lender from recording a " NOTICE of DEFAULT '' or " NOTICE of SALE '' or conducting a Trustee Sale while a Loan Modification is under consideration. I am being indindated with phone calls, letters and home visit by parties wanting to buy my home due to the NOTICE of DEFAULT being recorded at the county, this has to stop. Until I receive a letter of approval or denial on my loan modification I should not have to be stressed out from the illegal dealings of Nationstar Mortgage. CFPB get on your job because I know you are aware of this " DUAL TRACKING '' especially by NATIONSTAR Mortgage who has been under severe scrutiny by the Mortgage industry. I am so tired of what these crooked mortgage companies can get away with eith just a slap on the wrist. I will fight Nationstar from stealing my home even if it takes me to my grave!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. 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 inquiries reporting on my Credit Report : XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an old paid collection on my credit report and called the the collection agency, XXXX XXXX on XX/XX/22 and they agreed to delete the collection from all 3 credit bureau. XXXX and XXXX immediately removed the collection. Transunion did not. So I disputed the account again directly with XXXX  in XXXX, XXXX and now again in XXXX with the supporting letter from the collection agency requesting a deletion and it still has not been removed. I have also followed up with XXXX XXXX and they have sent the request now 3x to Transunion XX/XX/22, XX/XX/22 and again today. I have spent hours on the phone with XXXX on multiple occasions and can't get anywhere with them. I absolutely know XXXX XXXX sent the deletion request since XXXX and XXXX took it off.
Product: Credit reporting or other personal consumer reports

ACCOUNT # XXXX debts youre chasing me for I dont agree with them at all and I think the amounts youre saying I owe are off. Dont bother with any proof Im not interested. I know whats up and seeing proof isnt going to change that. If you need to get in touch, email me only between XXXX am and XXXX pm EST. Dont send any mail whether its XXXX XXXX XXXX XXXX XXXX or any courier and skip the phone calls and voicemails its just one big inconvenience.I 'm outta here. This ACCOUNT # XXXX and anything else you have under my name.
Product: Money transfer, virtual currency, or money service

I took out a loan with XXXX XXXX on XX/XX/2022 to pay off high interest XXXX XXXX XXXX Credit card in the amount of {$4600.00}. XXXX XXXX XXXX card switched to Marcus : by Goldman Sachs XXXX XXXX. The account number ending in XXXX was paid on XX/XX/2022 by XXXX XXXX bank for XXXX XXXX by electronic transfer. Trace # XXXX. Time was XXXX AM. Originator Info : XXXX ID XXXX, Originator Merchant ID : XXXX. Originator Name is XXXX XXXXXXXX XXXX. Telephone # XXXX, Email address XXXX. Merchant name XXXX XXXX, XXXX. Concentrator Name XXXX XXXX XXXX. Email : XXXX.
Product: Debt collection

I originally owed XXXX  XXXX XXXX {$4000.00}, I attempted to work out a payment plan that I could afford once I became XXXX and could no longer work to bring in any extra income. 

I entered agreement with XXXX XXXX aka XXXX XXXX XXXX XXXX in good faith and have paid that program to date {$16000.00}, only to find that they did not settle this debt on my behalf in a favorable way. 

They offered this company almost {$7000.00} and began paying themselves first over the last few years - this is not a great negotiation. 

They program said that XXXX XXXX XXXX refused for 4 years any other offer during the time I participated in their program and they failed me. 

The debt program has been reported to the FTC. 

Now, I am applying for XXXX, I am unable to work but for 4 years I never missed one payment - only now I have XXXX left to live on in my savings and it is literally all I have. I offered that to this XXXX  XXXX XXXX company directly. 

Again they refuse- they now took bill from XXXX to XXXX, XXXX with demand of payment {$2500.00} and 5 monthly payments- with interest to start accruing again which will never pay this debt off. 

Even during covid, no job, XXXX I tried since 2019 to get this company to settle, they refuse and now threats to go to court and legal fees. 

I simply do not have funds any longer and I feel that 4 years of trying to settle with this unreasonable creditor is much to much for me to bare and now I am having emotional hardships as well as financial hardships.
Product: Credit card or prepaid card

On XX/XX/XXXX there was an unauthorized charge on my credit card for the amount of {$6000.00}. I opened a dispute with Capital One and they credited my account while the dispute was investigated. On XX/XX/XXXX they reverse the charge back to my credit card and didn't submit any supporting documents of my authorization to the charge. I requested the dispute to be reinvestigated in XX/XX/XXXX and till this day they still haven't provided a response.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that I have fraudulent accounts and inquiries on my report. They are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 a letter was sent to the original creditor XXXX XXXX XXXX, to validate the alleged debt they claim I owe them. The original creditor XXXX XXXX XXXX, sent a letter back to me, dated XX/XX/2019 stating that the ownership of this debt was transferred to XXXX XXXX XXXX. XXXX XXXX XXXX was also sent a validation letter on XX/XX/2019 since they are reporting the debt as well but they never responded to my request for validation. 

On XX/XX/2019, I sent another letter to XXXX XXXX XXXX, advising them that the letter they sent was NOT validation of debt, as I have requested, since they are the original creditor. One XX/XX/2019, XXXX XXXX XXXX responded, stating they " addressed the request in a previous communication '' and they were under NO further obligation to provide any additional information and WILL NOT address duplicate inquires in the future ''. The issue will this is that as a consumer, I have the right to ask for validation of the alleged debt that the ORIGINAL creditor is reporting to my credit report, to ensure that the debt is mine and / or reporting correctly etc. Im not understanding how XXXX XXXX XXXX addressed my inquiry in a previous communication? 
What was stated is that they no longer have the debt, however as a financial institution those records should be readily available and to tell a consumer that they will NO linger respond to duplicate inquiries is ludicrous and asinine. 

XXXX XXXX XXXX, obviously CAN not provide the required verification of debt according to FDCP. 

Also, I received a letter from Hasted Financial Services stating that they are the beneficiary of the debt now, however XXXX XXXX XXXX is stating that XXXX XXXX owns the debt AND not to mention XXXX XXXX XXXX is reporting this erroneous information to my credit report but they don't even own this debt!
Product: Credit reporting or other personal consumer reports

The following account is inaccurate and its hurting my credit score and is hurting my ability to attain credit. Please remove this inaccurate account from my credit report immediately. 
Account # xxxxxx XXXX
Product: Credit reporting

i check my credit report and it has a liens but the liens are not mine its from someone else i already fix the problem with the other bureau ( XXXX, XXXX ) and they investigation shows that it not belong to me. they take it off of my report. 
so i dont know why transunion keep this liens in his report. 

this is a case of identity theft and i already shows all the documents to prove itto the others bureussending the police reports, trade comissions report affodavid and a lot of documents they ask. 
so i need to take this off of my report becuse its not mine, and is damage my credit score and job opportunities.
Product: Debt collection

Notice To Whom It May Concern : I was recently made aware of a negative inaccurate item on my consumer report by your company. 

The following are the negative inaccurate accounts : XXXX XXXX XXXX  Account number - XXXX Alleged original creditor XXXX XXXX XXXX XXXXXXXX XXXX - NO ORIGINAL WET SIGNATURE CONTRACT, NO WRITTEN INSTRUCTION, & UNVERIFIABLE : 15 U.S. Code 1692g which means they had no permissible purpose. 15 U.S. Code 1681b ( 2 ) I know this information is inaccurate, and I request that you provide the following for each and every account or remove all negative information : Validate the amount of money you claim I allegedly owe. Educate me on how you calculated the amount of money you claim I allegedly owe. Provide ALL ORIGINAL documents and negotiable instruments ( promissory notes etc. ) proving my agreement to such alleged debts with my WET WRITTEN SIGNATURE. Proof that you are licensed in my state, and provide me with your license number ; To prevent this from being listed on my consumer report, I insist that you also send a copy of this dispute to the companies in which you say I allegedly owe money. Furthermore, I insist that you instruct the furnishers of this inaccurate information that I am disputing these account. Remove the inaccurate and harmful account immediately. I am alleging that the NATIONAL CREDIT SYSTEM has violated multiple of my consumer rights. You can send me compensation for the violations payable to XXXX XXXX XXXX or face this issue in arbitration or furthermore federal court. 

Without XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me
Product: Credit reporting or other personal consumer reports

( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting unauthorized, fraudulent inquiries on my credit reportI did not apply nor benefit from the unauthorized use of my social security numberI have filed a police report about the fraudThese illegitimate inquiries do not belong to me and must be removed
Product: Money transfer, virtual currency, or money service

On or about XX/XX/21 I contacted Blockfi and informed them via email that my account, email addresses, phone and laptop had been compromised and to lock my account down. 

The Blockfi customer service representative I was working with at the time ( XXXX ) stated that the account was locked and no to worry because my cryptocurrency and funds would be safe and ready and waiting for me when I went to re-open the account. 

After repeated subsequent attempts to get in contact with Blockfi via phone, email and even via certified mail over the last 18 months, I have never received a response regarding regaining access to my assets or my account. 

I reported this incident to the FBI XXXX team, but am not sure whether or not they will be proceeding with an investigation into this incident. My account was valued at over {$100000.00} USD at the time of this incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied credit from XXXX ( XXXX XXXX ) on XX/XX/2018. They used Equifax 's credit report. I then logged into Equifax website to obtain my credit report for being denied credit. 

1. ) I entered the info requested by equifax at : https : //aa.econsumer.equifax.com/aad/landing.ehtml 2.  ) Received a prompt that I will receive an email with further instructions, which I did with the following link provided by equifax : Use the link below to login now because the " status of my requested report failed. '' http : //myservices.equifax.com/AAD_dashboard Your product is ready to use right now. 

Your order transaction number is XXXX and username is XXXX. You will use this username and the password that you created at registration to login and view your products. Be sure to keep this information in a safe place for future visits to the XXXX XXXX. 

After you log in you can : - View your current product ( s ) and features - Edit your profile, including Username, Password and e-mail address - Access educational information and utilize easy to use financial tools Thank you for your order. We look forward to serving you in the future. 

Your Equifax Customer Care Team Copyright Equifax 2018 | Privacy Policy | Terms of Use | FCRA 3. ) Once I log into their website following the above link, the only options are to PURCHASE they reporting products. Nowhere can I find a resource to get my credit report from the " failure '' or even an option to speak to someone. The 800 number provided is 100 % automated and speaking to a person is not an option. 

My issue is : I am entitled to my credit report WITHOUT unnecessary burdens in place. Please investigate this matter further. It should not be this difficult to obtain information. Also, they circles Equifax puts you in gives you no choice but to purchase their products. This is unethical and taking advantage of people. Thank you for your time. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disputed several accounts on my TransUnion report, asking TransUnion to remove them as a courtesy, to prevent me from filing legal action against them as I have already won and proved in court, I am not legally responsible for the same accounts against XXXX. In turn TransUnion put the accounts in dispute for identity theft. Although the lawsuit was about identity theft, my request to remove the accounts was not! I never asked for a dispute of the accounts but for Transunion to just remove them as it has already been proven in the eyes of the law that I'm not responsible for them. I am not asking for a dispute but for removal or I will have to take legal action against them just as I did XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 8 student loans thats serviced by XXXX. I have been living at the same address for the past 5 years and XXXX never mailed me anything about my deferment was ending and now they are reporting 5 of the 8 accounts are 90 days late. Tried to resolve over the phone agent stated she would retroactive forbearance since I never received any mailings and they did have the wrong email address. I emailed XXXX XXXX XXXX  and they told me to dispute with credit reporting agencies. So now have I disputed with agencies and cfpb, I want 90 lates removed at once, XXXX is wrong.
Product: Consumer Loan

I leased a 2015 Ford Fusion in XX/XX/2015. Thus far, my vehicle has been in the shop collectively over 40 days. Most recently, the car was in the repair shop for 24 days. The Ford dealership had to rebuild my transmission twice, and was unable to fix an electrical problem inside of the car. I leased this vehicle because this is my first new car and had no car credit and student loans-making it difficult to purchase a car, which was my initial intention. The finance department advised me to lease the car and buy it out at the end, because they knew my plan was to move out XXXX, where I lived before, and had the goal of purchasing my own vehicle. The lease was only to be able to have a financing option. The dealership was also aware of my work, which is as XXXX, and that I drove a great deal, transporting other people 's children. They were aware I was going over the mileage, again, reinforcing my intention of purchasing the car at the end of the lease. Now, the car has lost so much value, I have been backed into a corner. My job is on the line because my car is not safe and I can not transport the child I am caring for. I got a new car because I care the most about safety and reliability, and it has neither. The dealership said that it is not their problem, but I can not buy a car that is not what I was sold in the first place. I feel helpless and this car has now put me in a hole. I believe it is the manufacturer 's fault that these issues exist. There is an electrical issue that the dealership has said can not be resolved and Ford has agreed, and now the transmission. I will never be able to sell this vehicle after buying it and I will not be able to afford repairs after my lease is up, especially now that transmission AND electrical issues exist. Ford and the dealership keep saying I have to pay but I just do not believe that it is fair. None of the issues have been my fault and I should not have to pay for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/XXXX XXXX XX/XX/2022 XXXX, XXXX and Equifax received a packet from me containing my written instructions for my Credit Report as well as proof of address, ID, FTC report and proof of address. I never stated I wanted to start a dispute but every Credit Reporting Agency opened a dispute. 

XXXX-Removed accounts but placed a fraud alert on my account, they said it woud be removed within 72 hrs. However, I got an email that I won't have an update until XX/XX/XXXX. 

Equifax- Sent an email asking to verify information they already have to furnish my credit report XXXX-I called them and they sent me to a specific agent that would not say anything once we were connected.
Product: Debt collection

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below FAMILY LA CO XXXX