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

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX Balance : {$3900.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$1100.00} XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I need a history of financial transactions for my student loans going back to XXXX  for my records. Mohela is my current loan service provider. I was able to get from them the history of financial transactions from the time they serviced my loans BUT not the data from the time before they serviced my loans. 

Per their website " To request a history of financial transactions that occurred prior to the time your loan ( s ) were serviced by MOHELA, call us at XXXX '' I called XX/XX/XXXX and the request was made to a representative. She said it would come in the mail and to give them time because of the backlog at the time. I called back in XXXX when I still didn't receive it and asked how long should I expect and when should I call back if I don't have the file. And there was not a definitive answer. But that it wasn't unusual and to give it another few weeks. 

I called again on XX/XX/XXXX to follow up. I was escalated to a supervisor- she said it was definitely submitted in XXXX and they have no way of knowing if I received it or not. And maybe it was lost in the mail. So she resubmitted another request and said it should be a couple weeks at the most. She confirmed my accurate address in the system. 

It's now been a 'couple weeks ' as of XX/XX/XXXX. And 5 months after the original request. I have tried contacting some of the original loan servicers and the government through the student aid webpage contact numbers. They are all indicating this is the only avenue to get the information for the detailed history of my loans from the original providers. I have heard from others that they were able to get the information quickly when reaching out to you.
Product: Payday loan, title loan, or personal loan

I XXXX XXXX took out the loan I am not disputing the loan I had a downfall in life and defaulted. I have received emails daily on call XXXX at XXXX for a customized settlement and I did not call until XX/XX/2018 when I received a " Notice of Intent to Assign Wages '' I spoke to XXXX who refused to assist her only option was for me to pay {$560.00} now and make the original monthly payments. I stated to her I do not have that money I really do not I need help she refused to offer me any solution. I currently have {$100.00} in my checking account. I asked to speak to a supervisor and she refused to allow me to speak to a supervisor. 
with the notice of intent to assign wages the letter sates to send to XXXX XXXX XXXX XXXX XXXX but XXXX told me to send to XXXX XXXX XXXX XXXX XXXX so even their correspondence is inaccurate. I think this company has no intentions to help anyone who is struggling.
Product: Checking or savings account

This is the second year in a row I have tried to close my CD when it matures at bbva. Before it matured they were sent a letter and email a deposit slip from XXXX XXXX XXXX to deposit funds from CD. A transfer request from XXXX XXXX  to deposit funds from maturing CD. All have been ignored by bbva they continue to want customers to jump through hoops to receive my money back by forcing them, they are requiring me to get medallion stamps or notaries which no other bank has ever required. As a senior citizen Im offended that these people will not return my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent IRS Noti ce of Withdrawal of Federal Tax lien to   XXXX , TransUnion and  XXXX  to delete the entry from our records, and they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listing on my credit reports. 
XXXX/XXXX  ( This is not my account, please remove ) {$1100.00} XXXX  XXXX ( This is not my account, please remove ) {$2700.00} WEBBANK/FINGERHUT {$0.00} ( In collections ) XXXX XXXX  XXXX {$49.00} XXXX XXXX XXXX {$980.00} There are no contracts, no valid claims ... accounts were settled with creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Product: Credit reporting or other personal consumer reports

I think FCRA 605B requires us to delete any incorrect accounts from my credit report. Could you check the documents? Some of the listed accounts have inaccuracies in terms of reporting, incorrect amounts, and dates being reported.
Product: Mortgage

I have been trying to refinance my home loan with interactive mortgage since XX/XX/XXXX. I was quoted a rate of 1.99 % for a 15-year fixed mortgage. This rate was locked ( I was told ) and I provided them with all requested documentation the same day it was requested. I was on maternity leave when I initiated the process and so I provided them with a verification of employment form and I was told than the loan would close a month before my return-to-work date ( XX/XX/XXXX ). During the month of XX/XX/XXXX I waited to hear from them and I reached out to my loan officer. I received a group email that he had contracted covid and to be patient and that my loan was approved and they would reach out to me. I called back again that same month and was told that the loan officer ( XXXX XXXX ) no longer worked there and that XXXX XXXX was my new loan officer. I was told that they were busy and to be patient. I spoke with Mr. XXXX on XX/XX/XXXX and he assured me that he was there for me and that I should continue to be patient. On XX/XX/XXXX I received an email from XXXX XXXX that my loan was ready to close and to set up an appointment with the notary. I met with the notary the following day ( XX/XX/XXXX ) and signed closing loan documents for a 15 year refinance loan at 1.99 % 15-year-fixed. I then received and email from Mr. XXXX on XX/XX/XXXX stating that they needed another verification of employment form completed ( I had already sent this to them XX/XX/XXXX ). I responded that same day with my 2 most recent paystubs and asked if that form was still necessary since I was no longer on maternity leave. I never received a response from Mr. XXXX to that email. I received another email on XX/XX/XXXX from XXXX XXXX asking for updated paystubs which I promptly provided. He also forwarded another verification of employment form which I my employer completed and returned on XX/XX/XXXX. Then, on XX/XX/XXXX, Mr. XXXX said that was the wrong form and gave me a different form for my employer to complete. This new form was completed by employer and forwarded to interactive mortgage ( XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX. I contacted interactive mortgage on XX/XX/XXXX by email as I had not heard back from them and they then replied that we were ready to close ( even though I signed closing docs on XX/XX/XXXX ) and they sent a new disclosure to e-sign with a rate of 2.125 % for a 15year fixed loan. I replied that this was not the agreed upon rate and that the fault lay with them that the loan had not yet closed. Since then I have been given the run-around and still have not received closure to this situation. In the meantime they have repeatedly pulled my credit without my consent and cost me the opportunity to refi with an alternate lender at the previous rates as I operated in good faith that this lender would follow through in their promise ( and our signed/notarized contract ).
Product: Money transfer, virtual currency, or money service

Cash App ( Block, Inc. ) for inadequate customer service and unfair practices. The complaint alleges that Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving the user 's account vulnerable and unprotected. The complaint also alleges that Cash App 's dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. The user seeks appropriate redress for the inconvenience and financial loss caused by these actions have caused significant inconvenient and financial loss and I seek inappropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian about my credit report in XX/XX/XXXX. I am currently trying to buy a house so I pulled my credit report up and my score was very low and a lot of information was on there I was not aware. I have asked them to remove these negative reports. I explained my husband had gone through XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and his time was limited so I needed to get my report up to buy a house for my family. I stated XXXX ( a collection agency ) had an account on there from XXXX XXXX ( so they presumably bought the debt of {$530.00} ) that was closed and damaging my credit. I have no recollection of any account from XXXX XXXX nor XXXX from XX/XX/XXXX and feel they have violated my rights. 15 USC 1681. There is also an account from XXXXXXXX XXXX  that has been paid off and still reflecting on my account after I explained my need for this to be removed. I will be a single mother/widow who has paid on time numerous cards on my account. Ive paid off every debt Ive ever had in My name. There is also a negative report of XXXX for XXXX that I have never heard of nor recall. I explained to Experian I needed these removed because of the negative impact on my credit and I need to get a home loan. My family will not have a home in XXXX. I am begging for my rights and my information to be protected. I have reported identity theft to identitytheft.gov. Please help me get these removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested multiple times the deletions of the following items on my credit report because of inaccuracies and missing information : XXXX  Account # : XXXX Balance : {$410.00} XXXX XXXX Account # : XXXX Balance : {$1000.00} XXXX XXXX Account # : XXXX Balance : {$250.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) Account # : XXXX Balance : {$520.00} XXXX XXXX  Account # : XXXX Balance : {$0.00} XXXX XXXX ( XXXX ) Account # : XXXX Balance : {$210.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX Balance : {$3800.00} My rights as a consumer have been violated under the FCRA because I have NOT heard ANYTHING from the bureaus regarding my disputes and I have sent dispute letters for more than a YEAR at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is attempting to collect a debt from me and has reported this debt to the credit bureaus. The problem is this company has yet to provide verification of this debt. I have no idea who or what this debt is for and I have no contract with this agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Saying I owe {$2.00} in debt actions nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance XXXX {$860.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$890.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$290.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$240.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$74.00}.
Product: Debt collection

It is bewildering to note that while other credit bureaus have diligently conducted their investigations and corrected the inaccuracies on my credit report, your bureau seems to be lagging behind. The disparity in reporting among credit bureaus has created confusion and frustration, as I am left to grapple with inconsistent and erroneous information that is negatively impacting my credit standing. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. I insist that your bureau immediately rectify the reporting of late payment dates to accurately reflect the status of the accounts. Other bureaus have successfully acknowledged and corrected their errors, and it is imperative that your bureau follows suit to ensure fair and accurate reporting. The presence of conflicting information on my credit report, particularly regarding late payment dates, is not only misleading but also damaging to my financial reputation. I demand a swift and thorough investigation into this matter, with the immediate removal of the inaccuracies and the updating of late payment dates to accurately reflect the current status of the accounts. 
XXXX XXXX XXXX XXXX -PLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXXXXXX -PLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXX XXXX PLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I understand that errors can occur in the investigation process, but it is essential that your bureau takes immediate action to correct these discrepancies in compliance with the Fair Credit Reporting Act ( FCRA ). I insist on receiving written confirmation of the resolution and the updated credit report without any further delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, I've having an extremely difficult time with XXXX XXXX XXXX still reporting late payments on my credit profile well over 2 years old. I've tried to point this issue out to them that these late payments should've already been removed. 

I was informed that the late payments would fall off automatically and today when I checked my updated accurate credit report, it still shows the late payment that were supposed to had been removed off of my credit report. 

Their stagnation and unwillingness to report accurate information on my credit report is significantly impacting my credit score. I can not obtain new lines of credit because of this ongoing issue. Please assist in anyway possible. Thank you in advance
Product: Checking or savings account

My Acount make my creit score very low I think I should have good Creit by now
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

After being on the IBR repayment plan for nearly 5 years, the REPAYE repayment plan looked like an even better option for myself and my wife. Both of us have Subsidized and Unsubsidized Consolidation Loans with FedLoan Servicing, and both of us are XXXX pursuing Public Service Loan Forgiveness. We applied for REPAYE XX/XX/XXXX, got approved on XX/XX/XXXX, but since then nothing has changed. Our payments remained the same, except that we just got notice that now we have to pay nearly double our payments. Mine went from XXXX to XXXX, and my wife 's went from XXXX to XXXX. This is a total increase from XXXX to XXXX ( up XXXX or a 65 % increase ). Both of us have emailed twice ( XX/XX/XXXX, and XX/XX/XXXX ), and neither of us got a response the first time, and the second time I got a response simply stating to keep making my payments and it all should work out.
Product: Credit card

I AM CURRENTLY ENROLLED IN A DEBT SETTLEMENT PROGRAM. I HAVE REPEATEDLY REPORTED TO THE CREDIT CARD COMPANY THAT I AM IN THE PROGRAM, TO CONTACT THE LAW FIRM INVOLVED FOR SETTLEMENT PURPOSES. EACH DAY I RECEIVE MULTIPLE, MULTIPLE, MULTIPLE PHONE CALLS. I HAVE SPOKEN WITH A REP FROM THE COMPANY AND GIVEN THEM THE COMPANY NAME & CONTACT NUMBER. CALLS CONTINUE MULTIPLE TIMES A DAY EVEN WHEN I REPLY THE SAME INFO TO THEM OVER AND OVER AGAIN. I HAVE ALSO CONTACTED THE DEBT SETTLEMENT COMPANY TO DISCUSS MATTER. I AM RECEIVING CONFLICTING RESPONSES FROM THEM AS WELL. ONE PERSON STATES TO GIVE THE CREDIT CARD COMPANY THE INFO AND ON PERSON SAYS NOT TO GIVE THEM THE INFO. SORTA AT A LOST ON WHAT TO DO. THE LAST REP I SPOKE WITH SUGGESTED I TAKE THIS ROUTE. I HAVE OBVIOUSLY A FINANCIAL HARDSHIP I AM WORKING THROUGH TO GET SETTLED. 
THIS COMPANY IS COMENITY BANK ASSOCIATED WITH A XXXX CREDIT CARD.
Product: Credit reporting or other personal consumer reports

XXXX kept on sending me mails about my missed payment instead of sending paperless notifications which I kept requesting them to do. Additionally, instead of calling me from a registered customer service number they were calling me from multiple odd numbers. Obviously due to security reasons I did not respond or provide my SSN info. 

Then they reported my missed payments to the credit bureau. I requested a courtesy removal since my account is in good standing and due to lack of communication at their end several times. They denied my request stating that since these are valid notes, they can not delete them from my credit report as per policy. As an XXXX  and a XXXX XXXX, I did my due diligence to find out that they have extended this courtesy to other customers and deleted information reported to the credit bureaus. 

This is absolute and blatant discrimination and such practices should not be allowed. I requested them to provide a letter in writing that they have not extended this courtesy to other customers in the year 2023 but they refused to provide the same. I will have to take this complaint to the courts and file a discrimination complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint against Transunion, there is no third party involved. 
Transunion is reporting multiple inaccuracies on my consumer report. My personal information My name is spelled incorrectly. ( Exhibits provided ) My address is inaccurate. ( Exhibits provided ) The employment section is inaccurate. 
The name on my ID and social security card are how my name should be spelled. The address on my ID is my ONLY address. Pursuant XXXX XXXX XXXX I have contacted Transunion multiple times with written instructions to delete accounts XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX- XXXX XXXX XXXX XXXX - XXXX ( exhibit provided ) they have ignored and refused to comply At this time, I DEMAND TRANSUNION TO CORRECT THE INACCURATE PERSON INFORMATION AND DELETE THE REQUESTED ACCOUNTS WITHIN XXXX BUSINESS DAYS BECAUSE IT IS CAUSING ME SIGNIFICANT DAMAGES INCLUDING OBTAINING HOUSING, GOODS, TRANSPORTATION AND MORE. TRANSUNION is NOW liable for damages of {$1000.00} per violation for Civil liability for willful noncompliance which TRANSUNION failed to comply with my written instructions Pursuant XXXX XXXX XXXX Pursuant XXXX XXXX XXXX - any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;