23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that's on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my credit report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 1 : It also states a consumer reporting agency can not furnish account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfer, virtual currency, or money service

I was scammed by digital fraud on XXXX and I reported to Bank of America immediately asking to retrieve the fund from XXXX transfer. However, after a few days they told me that they are not able to honor my claim. I am so disappointed by their response since they neither retrieve the transaction nor credit me back the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Complaint that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. I demand an immediate deletion and appropriate remedies as per the law. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. The following items should be deleted as they are fraud in my credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This complaint is about credit reporting. I have contacted customer services at least 3 times and they would not take care of it. I am a single mom who works a full time job as well as a XXXX XXXX XXXX. It is already hard on me and not having the best credit is another thing that is holding me back on getting things for my daughter and just now finding out that I will have to get another car because the one I have is going out on me. Here are a list of things inquiries that I had no knowledge of ... .. 

XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I gave Experian ( XXXX ) chances to comply with the FCRA and show the method of verification they use to investigate the accuracy of the accounts on my credit report. They are past their 15 days to provide the steps per 15 usc 1681i ( 7 ). The request was delivered on the XXXX of XX/XX/XXXX. As of XX/XX/XXXX Experians refusal to delete, stop disclosing, and obtaining by false pretenses my nonpublic information, financial transactions, employment history, social security number, and other means of identification without my written consent or lawful authority are DIRECT VIOLATIONS OF Gramm-Leach Bailey Act ( 15 USC 6821 ) Privacy Act ( 5 USC 552A ). Also, Experian has committed Aggravated identity theft ( 18 USC 1028a ) against me due to the use and possession my non public information without my direct written consent or instructions. These willful violations has caused server injuries to my well-being and rights with the violations of.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XX/XX/XXXX RE : The inaccurate and certifiably noncompliant information you are reporting To whom it may concern : I am writing you with this formal objection of information published and provided by you to Transunion and XXXX, as reported and I demand for swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 

You are improperly reporting an alleged Auto Loan to the credit bureaus that is clearly in noncompliance with recognized METRO2 Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit reputation. Without being certifiably compliant with METRO2 reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less than an auto loan that you did not have permissible purpose to share my personal information. I formally contest the reportability of the alleged Auto Loan.

Immediately, DELETE ALL record of the following alleged Auto Loan, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and compliance with all METRO2 reporting standards. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This Auto Loan item is deficient as reported, and per federal reporting regulations all claims MUST be to a maximum possible accuracy and a maximum possible completeness, which extends to the reporting mandates that there be no deviation from METRO2 Format compliance since, per the CDIA, DNP 3-4 Any deviation from these standards jeopardizes the integrity of the data. Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Your prompt attention to this important matter is requested to comply with federal law.
Product: Credit card or prepaid card

I made a double payment of nearly {$2000.00} with Bank of Americas Mastercard product. This occurred at the end of XXXX. I called their customer service immediately and was told they saw the mistake and reversed the transaction. I was told it may take 7 business days to get my {$2000.00} back. 

I have called XXXX since this incident and have spoken to numerous supervisors. They admitted they made a mistake and never processed the reversal in the first place ( early XXXX ). They assured me that they redid the reversal and to expect it in ANOTHER 7 business days. It is now XX/XX/XXXX and they still have my {$2000.00}. No representative has any clue what to do and they just keep telling me to wait. I desperately need this money back and Bank of America refuses to help. Please help me rectify this situation.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX. I mailed in the packet on XX/XX/year> Express mail along with obtaining a receipt and tracking number ( XXXX ). XXXX months have gone by and no word from Equifax. The negative data furnishings are still being reported. I decided to call the XXXX XXXX  hotline for Equifax and they suggested I upload those documents online because they claimed that they never received the packet. I then went and got new documents with current date and signatures then uploaded and submitted my attestation letter notarized along with proof of the non-governmental organization ( NGO ) certification, Internal Revenue Services ( IRS ) nonprofit documents EIN letter, Derogatory items that are requested to be blocked from the data furnishing reports and the NGO 's contact information. I also included a current utility bill, copy of my social security card and identification ( ID ). Equifax has denied my claim without following through with my request to block the derogatory data furnishings.
Product: Mortgage

I have been going through financial hardship since XXXX. I have a mortgage loan and my lender denied me a making home affordable loan modification application in XXXX. My hardship continued and my lender offered me foreclosure alternatives. I decided to list my property for a short sale with a broker in XXXX XXXX, my broker was referred to the bankruptcy dept every time he wanted to discuss my property. The lender claimed that the property was not available to be sold until it is cleared from the BK dept. In XXXX XXXX the bank cleared my property and in XXXX they sent me a notice of default. My broker had a cash offer from a buyer and he started the process of the short sale by presenting the package documents to my lender who took their sweet time in responding to my broker 's phone calls and e-mails. A month went by while the bank reviewed the offer and they responded with a counter offer to the offer that we had. The buyer at that time accepted the counter offer and my broker submitted the acceptance, but the lender did not respond for days to my broker 's emails while a foreclosure sale date was approaching on XXXX XXXX. The lender sent me a letter denying the short sale due to my inability to obtain the bankruptcy court 's approval of the short sale. I was forced to file bankruptcy on XXXX XXXX, XXXX due to the lack of response from my lender. They waited to the last day to respond and deny the short sale offer that my broker had. The foreclosure sale date was moved to XXXX, XXXX and the property went for sale with no bids at the sale. The property went back to the beneficiary.
Product: Mortgage

In XX/XX/XXXX, I sent the check to pay the Mortgage for XXXX. The check was cashed on XX/XX/XXXX and Bayview Loan servicing sent me a letter and say that the check was Bad check reversal. I called the company XX/XX/XXXX and they told me I need to send the bank statement and a letter to explain what happened. On the XXXX I sent a fax two times. Two days after, I spoke with a representative named XXXX and she told me they didn't receive the fax. I sent the fax again in XX/XX/XXXX and I called on XX/XX/XXXX and the representative XXXX told me it takes 2-3 days to appear on the system. I also asked the best way to fix it as soon as possible and he told me email. I sent the email on that day XX/XX/XXXX and I called the XXXX and they said nothing appears in the system. 
This account is under my name and my brothers name and we sent check from his account, Thank You
Product: Money transfer, virtual currency, or money service

This is in reference from transactions on XXXX XXXX before my account was locked with no explanation. 

I submitted XXXX emails to Coinbase with only " We are working on it '' generic responses. 

XXXX ) My transaction records do not match what was actually sold or withdrawn. 
XXXX ) Coinbase initiated a transaction in my account without my knowledge. 
XXXX ) I need reimbursement for all fees associated with transactions on XX/XX/XXXX that did not actually go through. 
XXXX ) I need my transaction records updated as to the actual sales on my account ( Delete the ones that were cancelled / altered ) XXXX ) Coinbase took {$21000.00} from my account without any consent or explanation. 

This happened to thousands of other people with no explanation. 
XXXX XXXX on XXXX and XXXX.
Product: Student loan

This complaint concerns  XXXX  student loan servicing and  ACS-Education  XXXX   XXXX  loan servicing. My federal loan servicing provider,  XXXX , has given me a deferrment and understands my situation and is helping me.  XXXX  and  XXXX   XXXX   XXXX  are being completely unreasonable and I am sincerely afraid they are violating my consumer rights and threatening my credit, which affects my ability to improve my situation and pay more towards my student loans. I have tried everything and I really need your help. Thank you.      1 )  Since  XXXX    XXXX  , I have consistently, repeatedly and regularly advised these companies of a drastic change in my financial and economic circumstances. I have basically had to start all over in the  XXXX  after having worked overseas for several years. This is harder than expected and the economic climate in the  XXXX  is still not the best. I sent these companies my income/expense calculations for over a year to try and come to a reasonable payment plan and additional forbearance so I can improve my situation.      2 )  The payments they requested are those I simply can not afford because I do not make enough to pay that and pay normal monthly living expenses including rent, food, utilities, transportation for work etc. given that the cost of living increases but my pay checks do not! I have tried over and over again to ask them to accept a monthly payment that I can afford and they refuse to cooperate and understand.      3 )  This month, I promised to pay {$100.00} per month each month to each of the  XXXX  student loan providers. I made the payments on  XXXX .      4 )  I have tried to get student loan consolidation/refinance but the companies I talked to are either not able to help or will not help because of the total amount and the debt-to-income ratio, something I can not control right now. I can not simply quit my job when I have bills to pay!      4 )  What I need from you and CFPB : a ) to reach out to these companies and make sure they do not impact my credit rating, which would or could basically ruin the chance for me to improve my financial situation and be able to get a house, a car, a better position, or anything else where I could make more payments : b ) to reach  out to these companies and ask them to grant me additional forbearance because I desperately need it ; and c ) any other help you can provide to help me with this situat ion. It is causing major  XXXX ,  XXXX , and suffering because of worrying about the balance. PLEASE HELP IN SOME CONSTRUCTIVE WAY!     Thank you and sincerely, -- -  XXXX
Product: Credit reporting or other personal consumer reports

After Wells Fargo turned down the CFPB complaint ( XXXX ), I had the police contact me. He said my co-owner got scammed, and she has given all the information about her bank accounts, including her Wells Fargo account. 
He said he would try to contact the Wells Fargo Escalations Representative XXXX Complaints Management Office to explain my situation, explain why this is a fraud, and ask for additional information so that he can investigate more deeply. So, I waited until he called me back. However, when I emailed him recently, he replied that nobody replied to his call. It made me think Wells Fargo doesn't want to talk with the police. This significant debt, which I don't deserve because I have never touched my account back in my home country or my co-owner, is too large, and I still don't understand why this complaint was turned down. I am a victim of fraud, and I would like CFPB and Wells Fargo to help me figure out how to deal with this challenging situation.
Product: Mortgage

XXXX  I have to say that since Suntrust and XXXX merged, there is no customer service. What you get when you call is someone at home sending emails for supervisors to call you back, witch dos not happen. Mail that dos not get mailed or recived, " Its the post office " im told. OR Just a pain " I DONT KNOW '' Im the supervisor, I work in a XXXX XXXX, then im working form home " so there is XXXX to fix the issue, " would you like to make a payment??? No service for anything ecept making a payment. 
I have sumitted on more than XXXX time over the past XXXX months a request on paper that is provided by my servicer, so I can pay my homowner insurance on my home like I have in the past ( past serverers ) .they cant find it.. They have dubble paid when I have allready paid for the insurance in full, and they have the proof of covargae, but the " Auto Pay " works even thou im all ready paid in full. 
Last yr they paid for a XXXX  policy when exsisting covarge was on the home at the time they made the payment. 

The paperwork they say they dont have is a Escro waiver for insurance. 
Im not able to contact thet escro dept directly.

Im told it gets revied then uploaded to my account.This never happens. 
They add $ $ to my payment each month for escro that is not needed. 
I filed a complaint with the holder XXXX XXXX and was directed here also. 
The fees added to my monthy bills are unfair and not needed. 
In XXXX  years my loan has been sold XXXX  times? This company TRUIST is the worst. 
I never late on my payments, in fact im a month a head as of now. 
But im now forsed to remove Truist my my accounts untill this is fixed XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 unauthorized inquiries were on my credit report and it is damaging my credit. 
XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My student loans are still on my account. I have send Moeshla my proof that the was send to them but nobody has send anything back. I just want my refund back please
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX has me under different names and addresses. I would like for my bankruptcy to be removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX