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

Around XX/XX/XXXX I was contacted by XXXX to defer my payments due to the impact of Hurricane Irma. I was allowed to defer up to 90 days with no issues. Everything reported fine XX/XX/XXXX, XX/XX/XXXX and in XX/XX/XXXX I paid in full all 3 months XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX  in XX/XX/XXXX reported me as late for 30 days. I've contacted XXXX and they said that I never replied to the email so I wasn't in the program. The letter states that : 1.  We have noted that you are in the area impacted by the storm. 
2. We will not assess late fees for the next 90 days. 
3. To contact IF I have any questions This does not state to contact to enroll in any program, also if I was not in any program then I should be 90 days late and XXXX would've contacted me about my late status. None of this happened. I've contacted XXXX and they said they would not help me and the reporting agencies only go back to XXXX and use them as the source of truth.
Product: Money transfer, virtual currency, or money service

I feel compelled to talk about the way my dispute was handled by both the bank and Zelle. I use this app because I feel some kind of trust as it is connected to my bank account. I felt that my account would have been monitored so so can have the best experience however, I was disheartened the way they handled my issues. I recently discovered that the XXXX lawsuit happen because of the incompetency of Zelle and the bank. I had to fight tooth and nail about issues and transactions on my account and still wasnt able to recover my money. My account should have been protected me from scammer and dishonest people. I should have ease using this service but instead I lost money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Stollen credit wrong mailing address stollen property taxation issues identity theft since 2016 my address not changed three years stollen assets never got rightfully mines TransUnion report shows I have confirmation letter as well
Product: Consumer Loan

As I said, Lending Club is reporting inaccurate information on my credit report and just admitted it directly. According to their reporting to the credit bureaus, the alleged agreed on monthly payment amount is {$43.00} and now they are saying that it is {$43.00} and that IS NOT what is being reported on my credit report. And again, this amount DOES NOT add up to the amount they are alleging. It 's just simple math and it STILL is coming back as verified even thought it does not add up. THIS INFORMATION IS INACCURATE AND SHOULD BE DELETED. And I ca n't log in and check anything because I do n't HAVE an account with you.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX Original XXXX : XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX : {$3000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I had a student loan debt consolidation with XXXX XXXX that included XXXX and American Student Assistance loans. My XXXX loans were sold to American Student Assistance in XX/XX/XXXX or XX/XX/XXXX. I disputed the fact that I had XXXX XXXX loans in forbearance which XXXX XXXX placed in forbearance as well ; yet, when XXXX XXXX sold loans to XXXX, they did not honor the forbearance and reported late delinquencies. ( See attachment XXXX Forbearance Loan Declaration.pdf for forbearance dates ). I began rebuilding my credit in XX/XX/XXXX or XX/XX/XXXX and sought the assistance of a Credit Repair Specialist. She contacted all my debtors, including my student loans. After 3 months I decided I no longer needed her assistance. In XX/XX/XXXX, American Student Assistance reported a Charge-off on my XX/XX/XXXX pay history. I contacted Customer Advocate at XXXX on XX/XX/XXXX. About 7-10 days later I spoke with XXXX XXXX about the Charge-off. She stated that the loans are sold to American Student Assistance and can not make any changes to the credit reporting. I disputed the inaccuracy with XXXX and they upheld the credit report and made no changes. I have attached credit reports of mu XXXX and XXXX report for reference.
Product: Money transfer, virtual currency, or money service

XXXX, I use https : XXXX ( XXXX by East West Bank ) . 

I use my XXXX  bank account transfer XXXX to another velo bank account via ach. 

Because my bank account balance was insufficient at that time, the transfer was not successful. 

Both the payee and the payers velo bank account were frozen {$6000.00} XXXX later, I recharged my bank account, so there is enough balance to frozen ). 

So far, one year have passed and the remittance status has not yet been confirmed. 

Bank still tell me wait. I have been waiting for the bill confirmation for one year, but I still haven't waited. Bank have never told me the exact confirmation time. I really have no patience to continue waiting. I hope the company can help me solve this problem, otherwise I can only complain over and over again.
Product: Credit reporting

TransUnion stated it " verified '' and validated an alleged Chapter XXXX Bankruptcy. However, when I contacted U.S. Bankruptcy Court it stated it " does not '' verify or validate bankruptcy filings. I have repeatedly requested TransUnion submit its investigation verification and validation process, it has denied my request and continues to report inaccurate credit file information. Transunion has also reported that my now closed XXXX XXXX credit card account was included in and discharged in Chapter XXXX bankruptcy, which is false and inaccurate. XXXX states it did not report such to TransUnion and TransUnion states it was verified by XXXX XXXX. TransUnion is reporting inaccurate credit file information for Dept. of Ed/XXXX by reporting fraudulent duplicate accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is XXXX XXXX with SSN # XXXX reaching out to request for you to look at my report and remove the inaccurate information that are damaging my credit. i am planning to apply for a loan so please investigate those items and delete them as soon as possible.
Product: Credit reporting or other personal consumer reports

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). Account Names has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 
XXXX department store XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. Accounts above illegally obtained personal and private information and sold it to other reporting agencies, including XXXX and XXXX. I did not grant Account Name permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders. As the consumer and natural person, I am invoking a specified remedy and making the following demands : -Cease and desist reporting of the account filings above. 
-Remove reporting of the account name filings above from all consumer reporting agencies you may be sharing too. 
-Attached is my FTC report since this is also fraud and is against the law since I have no Knowledge of these accounts. 
Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not suppose to be on my credit report. 


Ive hired several agencies and this shall be removed. 


XXXX XXXX -- - XXXX XX/XX/2019 Seems like this occurred pre covid.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$3400.00} ; XXXX  XXXX Balance : {$3900.00} ; XXXX XXXX Balance : {$6800.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX  XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX XXXXXXXX  ; XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the accuracy of 4 public records listed on my credit report in XXXX 2017 with Transunion, XXXX, and XXXX. All 3 companies reported back to me that the information was verified and to check with the creditor reporting the items. I contacted the listed Courts for all 4 public records to get information about their verification process and they informed me that they do not and did not supply public record informaiton to credit bureaus and did not verify any information with any credit reporting companies. I then contacted all 3 credit bureaus again and requested the manner of verification, specifically asking for names and phone numbers of the individuals that verified the information. As well I informed them of the information that I received from the Courts. Transunion responded that the information was verified. XXXX responded that they received the information from a third party - XXXX XXXX. XXXX did not respond to my letter. 

Through these actions the 3 credit bureaus are committing fraud by reporting information that is not accurate. XXXX has admitted to it by saying that they received the information from XXXX XXXX. They have not updated by credit file to reflect that information. 

I have a right under the FCRA to have accurate information reported at all times and to have inaccurate information removed immediately. I am now going to file small claims actions.
Product: Credit reporting or other personal consumer reports

I want reported accounts to be removed. 
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

I received my consumer report from LexisNexis. When I got the report I noticed several harmful mistakes that were being reported on my consumer report. One of those mistakes being is a driving violation in particular a " NO VALID OL M1 '' Case # XXXX. This error in they're ( LexisNexis ) reporting is a serious mistake and a violation of the Fair Credit Reporting Act. Seeing how I've always had my driver 's license this CAN'T POSSIBILY BE ME. I understand mistakes happen and there's a chance that my information could have gotten mixed up with someone's else information ; but this mistake need 's to be corrected and deleted from my consumer report ASAP. If not I'll file a lawsuit against LexisNexis to enforce my rights under the Fair Credit Reporting Act section FCRA Section XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX case XXXX XXXX XXXX XXXX XX/XX/1997, Filed ( XXXX No. XXXX ). For defamation.
Product: Mortgage

I am a retired XXXX senior citizen and resident of XXXX XXXX, California. 

I refinanced my house with Bank of America ( BofA ) in XXXX and closed the new loan on XX/XX/XXXX. At the initial purchase of the house in XXXX, I qualified for the Mortgage Credit Certificate from the XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ( XXXX ). 

I have qualified for reissuing of the Certificate upon refinancing because the application and fee payment have been submitted within 365 days of closing of the loan for past refinances. However, after the last refinancing, the BofA Loan Officer, XXXX XXXX XXXX, never submitted the application despite the guideline specifying to do so within one year of closing and several requests. 

XXXX advised me to send the fee of {$800.00} directly to the XXXX in XX/XX/XXXX, and I complied. However, its her responsibility to submit the application and as of today she isnt explaining why she didnt do it within the timeframe. Her later responses are vague and only explaining whats the purpose of the certificate. Explanations that I dont need after 11 years of claiming the credit on my returns. Losing the benefits of the certificate and the {$800.00} fee payment would be devastating to my mental health and current financial situation. 

I feel this is negligence and racism for being XXXX and a senior citizen. 

Please assist me with obtaining my potentially lost Reissued Mortgage Credit Certificate ( RMCC ).

Thank you.
Product: Payday loan, title loan, or personal loan

I GOT VERY SICK AND ENDED UP IN XXXX AND COULDNT PAY MY BILLS..I RECIEVE A PAY LOAN FROM XXXX XXXX OF XXXX AND I PAID XXXX BACK, AND THEN I GOT ONE TO PAY ANOTHER LOAN OFF AND GOT XXXX AND OWE OVER XXXX BACK, I THOUGHT I WAS TOLD TO PAY XXXX A MONTH BUT IT END UP BEING XXXX A WEEK AND THEY ARE ALSO CHARGING ME INTEREST PER DAY AND IT IS NEVER GOING DOWN, ,I GOT ANOTHER ONE FROM XXXX XXXX OF XXXX $ AND FOR ALMOST TWO MONTHS NOW.. HAVE PAID XXXX $ EVERY TWO WEEK AND THEY TOLD ME THAT IS NOT MY LOAN IT IS JUST INTEREST AND IM NOT PAYING ON THE LOAN. I GOT ONE MORE TO TRY AND MAKE END MEET FROM XXXX XXXX   OF XXXX $ AND THEY GOT ME PAYING XXXX EVERY TWO WEEKS 10 TIME BEFORE I PAY THAT ONE OFF, I KNOW I OWE ALL OF THESE BUT I WILL NEVER PAY THEM OFF, ,ALL IM ASKING IS FOR A SMALL MONTHLY PAYMENT SO I CAN PAY ALL THAT I OWE..I HAVE PAID MORE THAN ENOUGH ON ALL THREE BUT I ALSO AGREED TO PAY.PLEASE HELP ME.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Fraudulent accounts reporting to my consumer report is not mine. I attached my ftc report, also FCRA 605B ( 15 U.S.C. 1681c-2 ) I demand these account be blocked from my XXXX, XXXX, and Equifax within 4 days of receiving this complaint. 


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

I have tried multiple attempts to resolve this issue with the credit reporting agency and this account 's Furnisher ( XXXX XXXX, ACCOUNT ending in XXXX ). they have failed to follow proper fcra requirements for investigating this account 's errors and violations of the fcra. each time, the investigation has resulted to be verified as accurate and a false statement that they are reporting 100 % full accuracy when they are aware of these errors and violations. 

furthermore, I am summiting evidence of how inaccuracy and errors still report on my current credit file as presented to the CRA 's and account 's furnisher. 

This account was closed during a national emergency pandemic by which I was highly affected, and, the furnished promised to report the account as closed by the grantor. at that point should discontinue payment history as it can not report activity on a closed account which violates the FCRA section 623 in regards to reporting delinquency and charge-offs while an account has been already closed. this is clearly a violation of the fcra.

The Cra has also not conducted a thorough investigation on all my claims, I have contacted them over the phone and have been denied information, and also have falsely verified the account to be reported as accurate when it is not.

This account has also violated the 120 days rule stated in the fcra section 623 regarding delinquencies reported during covid 19 national emergency and 120 after the national emergency to covid 19 is over to allow forbearance to those affected by covid 19 which I mentioned prior to I was impacted by the pandemic.

The Cra investigation also had failed to express the authority in whether or not to accept the information received by the furnisher and lied when I tried to get information regarding the investigation and that they are not allowed to promptly remove the account or fix the issues and inaccuracies as it states in FCRA section 623 This account has failed to report 100 % accuracy to TransUnion and XXXX. Attached I will have a copy of the report to support my complaint. 

Also, I will attach a letter sent from the furnisher regarding the closure of the account and how it will contact the cra 's to how it should report the account and about the closure of the account and I am sure they never contacted them. 

The cra 's as well as the furnisher have also been properly notified about these errors and inaccuracies and they still verify as accurate. the investigation has not been thoroughly done by nether party and this has been a burden to the integrity of my credit file. this has been humiliating that i had this account closed in good standing and yet had been allowed to commit these violations and errors by the furnisher and the cra 's allowing them to do so. this is clearly a violation to fcra section 623 and 15 usc 1681. 

For this reason, i ask for the CFPB 's help in resolving this issue and having the proper solution of prompt removal. 

Please find all evidence of Transunion reporting, XXXX reporting of this account under attached files ( evidence discover errors.pdf )
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$7400.00} XXXX XXXX Balance : {$280.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Debt or credit management

Spoke with XXXX XXXX XXXX of XXXX, after much discussion we decided to go into the settlement program. We where set up with level one law and then money to payback the credit cards would Be deducted monthly. By XXXX I started to get a feeling something wasnt right. I noticed not much progress with the creditors. I reached out end of XXXX, no one would pick up the phone. I send an email XX/XX/XXXX. No one responded back : I tried calling again and texting XXXX XXXX. No response. Then I called again this past week of XXXX and the phones would make an announcement and then disconnect and then it seems I have been blocked by XXXX XXXX. I reached out to global holdings who take the money from me for the program, and they said that the company is on pause due to litigation. So now I can not cancel this program and I need my money back.
Product: Mortgage

XX/XX/2018 Wells Fargo and all assignees XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX Responding to Wells Fargo answers from previous complaints Please be advised that the financial institutions answers does not change all or any of the original complaints against them nor the facts attached in relation to same. 

A ) The answers delegated and projected by Wells Fargo are evasive thou well intended Yet they do not in any way represent any solutions or remedy to existing problems generated and caused by them. 

B ) Wells Fargo does not offer or provide any decent solutions by showing and demonstrating their intent and contention of replies. 

c ) The more I see their documents the more I see corruption, the more I see their response the more I know the purposes of my complaints. 

D ) Wells Fargo you may deny the truth but the truth will not deny you E ) all and every complaint used against you did not come into existence because you did something right it actually proves you are still doing something wrong. 

F ) There is no word to accurately describe all of the fraudulent corruption you have practiced both passively and actively in your involvement and practices but rest assured its for certain Wells Fargo your day of correction and constant abuse is coming to an end sooner than you think, your biggest investors will testify against you perhaps that will refresh your memory, and the restitution you owe is greater than all of your investments combined. 


The foregoing is in direct reply to Wells Fargos answer in my mind its considered dejected and without merit. 


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

I was an identity theft victim dating back to XXXX when I filed my first police report. It was due to XXXX due to a credit breech. In XXXX my credit was fixed and was XXXX. It is now XXXX and I have sent numerous letters, police reports etc to all 3 credit bureaus and my credit went from XXXX to XXXX. Instead of removing the fraudulent debt it is getting charged off. My consumer rights have been ignored. Charging off fraudulent debt to destroy my credit over and over again is not right. Fix my credit
Product: Debt collection

Progressive Management -- Acct : XXXX This complaint is per your offices request I am sending you this formal complaint concerning and XXXX, XXXX, XXXX their business practices. 
These bureaus continue to report inaccurate information. I am formally remove this debt from my credit. 

In the years from XX/XX/XXXX-XX/XX/XXXX my identity was stolen. I discovered this because accounts were opened accounts in my name. I have seen where someone has continued to apply for credit in my name. 
It is possible that the thieves that committed the fraud. XX/XX/XXXX I filed a ID Theft Report copies were sent to XXXX major credit bureaus. I have sent the proper documentation to XXXX bureaus and the XXXX debt buyers