23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was forced into foreclosure on my home and business by One West Bank and then BANK and XXXX changed names to Cit Bank NA, lied about any complaints against them and hired it 's unethical gang of lawyer thieves who stole my home and business with fraudulent mortgage documents like assignments of mortgage and sworn affidavits with blatant forgeries and notary frauds in a court room without answering because they all got the same crooked lawyer from XXXX XXXX XXXX, XXXX XXXX to commit fraud on the court and civil theft of my home after I already proved that BANK s misconduct was unjust actions, and lost paperwork and no accountAbility at Cit Bank NA. CIt BANK is a criminal enterprise to steal homes, for one west and XXXX XXXX and XXXX and XXXX and XXXX to enrich themselves by concealing this reprehensible fraud that is hard to uncover. Cit Bank regularly pays attorneys to deny homeowners due process and XXXX committed fraud and obstructed my and other mortgage modification applications. XXXX XXXX and XXXX XXXX and XXXX XXXX and XXXX and XXXX XXXX are all in collusion and have generated yet another limited liability company to steal homes illegally across the XXXX and through out Florida.
Product: Money transfers

MONEYGRAM FAILED TO SIGN US UP FOR ALL VICTIMS FUND FOR FRAUDULENT MONEY ORDER AND SCAM TRANSFERS TOTALING {$100.00}, XXXX IN REFUND REQUESTED. 

SEE ATTACHED.
Product: Debt or credit management

I entered into an agreement with Level One Law in XX/XX/XXXX for debt settlement/relief. They collected ridiculous up front fees and failed to actually settle the debts I enrolled. I actually pulled the largest debt I had out of their program and settled it on my own as they were utterly ineffective in doing so. To date they have collected {$11000.00} in fees and in XX/XX/XXXXXXXX  I was notified that due to a lawsuit brought to them by the CFPB they will no longer be representing me to conclude settlement of any of the debts enrolled. Their FAQ page states plainly that they do not plan on returning any fees collected to date. This is despite not providing the services promised.
Product: Credit card or prepaid card

Discover card is running payment through twice and then charging a {$41.00} fee. So I dont think thats fair at all so they run it once and then if it fails then they running through again and then they still charge a fee even if the payment will clear. I feel this is outrageous so it should be either one of the other either dont charged a fee or dont run the payment through twice. I called customer service and of course they just make excuses and say its policy. XXXX XXXX charges a fee of only {$29.00} so the fees too high and they shouldnt be charging the fee twice if the payment successfully.
Product: Credit reporting or other personal consumer reports

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts has violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 



I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE. 





Delete this these accounts unless you want to be held accountable for {$1000.00} per account
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX bureaus consumer report and I noticed some inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX  XXXX XXXX Bankruptcy Court XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting

XXXX XXXX The following account above is not mine, and it is keeping me from getting a job.
Product: Payday loan, title loan, or personal loan

AD Asta- {$760.00} XXXX XXXX XXXX - {$230.00} In reference to the accounts ; the contract is cancelled, the dates reported are in correct. These accounts are 7- 8 years old.
Product: Student loan

This student loan has been in deferment and in forbearance until XX/XX/2017. The customer service representative said they made sure they back dated everything to reflect current as my other student loans because they all should show the same status. They are still reporting incorrectly and showing late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to send a debt validation letter to the company on my credit report, the information they are reporting for their information is inaccurate so I was unable to open a dispute. Letter was returned insufficient address for the company. Because their information reported on my report is incorrect Im uncertain and unclear if the debt they say I owe. This has cause defamation of my character and caused and inconvenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sir or Madam : To whom it may concern The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX  ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX VIA XXXX XXXX Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : XXXX XXXX XXXX XXXX  Requested On : XX/XX/XXXX InquiryType : Individual XXXX XXXX  Requested On : XX/XX/XXXX InquiryType : Individual XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX InquiryType : Individual XXXX XXXX Requested On : XX/XX/XXXX InquiryType : Individual XXXX XXXX XXXX VIA XXXX Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX Requested On : XX/XX/XXXX InquiryType : Individual XXXX Requested On : XX/XX/XXXX InquiryType : Individual XXXX XXXX VIA XXXX XXXX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX VIA XXXX LOANS Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the  Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. Sincerely, XXXX XXXX SS # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2017, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. 
Money was transferred from my account via bank wire in the total amount of XXXX USD utilizing Bank Of America XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute an item on my credit report that I believe to be inaccurate and is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, the information contained in my credit report is incorrect and has caused harm to my creditworthiness. 

I request that you promptly investigate the matter and correct or remove the erroneous information as required by law. Under 15 U.S. Code 1681o, a consumer may seek damages for negligent violations of the FCRA, including any damages caused by inaccurate information reported to consumer reporting agencies. I am requesting that you conduct a thorough investigation of the information in question and provide me with a copy of the results.

Please be advised that, according to FCRA guidelines, you are required to conduct a timely and reasonable investigation of any disputes, typically within 30 days of receiving this letter. If you determine that the information is inaccurate, I request that it be corrected or deleted from my credit report. I also ask that you provide me with a written response indicating the actions taken regarding my dispute.

In addition to the above, I would like to remind you of your legal responsibility to ensure the accuracy and integrity of the information reported to consumer credit agencies. Should you fail to resolve this dispute in a timely and accurate manner, I may seek legal remedies available under 15 U.S. Code 1681o, including pursuing damages for any harm caused by the negligent reporting of incorrect information.

Please notify me as soon as your investigation is complete. I look forward to your prompt resolution of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making this complaint myself as a human being not a third party please dont close this complaint. The credit reporting agencies failed to do their ob and remove identity theft from my credit report. i sent in an ftc report my id a letter explaining what happened and what to do but they didnt do anything.
Product: Credit card or prepaid card

I was attempting to activate the card, after receiving it. I was interrupted twice as I was attempting to activate the card. When I tried a third time to activate the card the recording said the card was locked due to too many attempts. I called the XXXX number located on the card, and since the card was never activated the system could not help me. I did this several times until I was exhausted and frustrated. Since the card was locked and never activated the system does not recognize my card. I went online to activate my card and the online system does not recognize my card since it was never activated either. I called XXXX, and XXXX and the same results. the system can only help you, if your card has been activated. My card was never activated since I never got to this part in the call, and it was locked. I have searched to speak to some one with no avail. After calling all the numbers I was never given the option to speak with someone. Several times I chose the lost/stolen option in hope to speak to someone and the phone would automatically hang up. This system is not designed to assist people if their card haven't been activated, only for consumers who cards have been activated. I was only able to speak to a person when I called Consumer Financial Protection Bureau, but they couldn't help either, they were able to give me the XXXX, and offer me the opportunity make a complaint. Their is a problem with the system for people whose cards have not been activated. Please consider an option to speak with a real person. I did go to the XXXX website and reviewed the frequently asked questions concerning the debit card and no unique incident was like mine. Please help! this is frustration and aggravating you may reach me at cell : XXXX or at XXXX XXXX
Product: Debt collection

I HAVE A TRANSFERWISE ACCOUNT ... WEEKS AGO I PLAY ON A CASINO ONLINE BUT THEY MAKE 2 DEBITS THAT I DONT AUTHORIZATE, I REPORT TRABSFERWISE AND THEY MAKE THE REFUND BECAUSE THEY KNOW CASINO WAS TAKING ME MONEY AND I DIDNT KNOW THAT THEY WERE DUPLICATING THE DEBITS. AFTER THAT I TOLD TRANSFERWISE TO BLOCK THE CASINO BECAUSE THEY WERE STILL MAKING THE SAME. BUT TRANSFERWISE NOT BLOCK THEM SO, 2 DAYS AFTER THE CASINO MAKE ANOTHER DEBIT. I ASK TO TRANSFERWISE WHY THEY ALLOW CASINO STILL TOKE MONEY FROM ME WITHOUT I KNEW ... TRANSFERWISE SHUTDOWN MY ACCOUNT THAT IS PERSONAL AND PROFESSIONAL WITH MONEY AVAIBLE AND I NEED MY ACCOUNT ... I NEED MY MONEY ... AND I WANT THE REFUND OF THE XXXX THAT CASINO STOLE FOR ME FROM THEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I saw in my credit report a remark from bank of America that I could not recognize. So I called the bank about the comments at XXXX XXXX  the same day and asked for clarification. But unfortunately, the bank refused to clarify the information. On top of that, when I insisted on explaining the report, the customer representative stopped talking and eventually hung up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, have filed a dispute with the respective three credit bureaus XXXX, Transunion, & XXXX. It has been well over 30 days since I filed an FTC report under # XXXX and sent it to the three credit reporting agencies on the XXXX of XX/XX/XXXX in which it is now XX/XX/XXXX 44 days and have not heard anything back! However, not only has these bureaus ignored my request for inaccurate information contained on my credit report they have sent me irrelevant letters stating that these disputes are not from me and that I must send identification for proof of identity in which I have already included in these letters. I am not horsing around with these credit reporting agencies that believe they have the authority to supersede the law in which I am demanding respectfully to be provided proof of these alleged items, specifically the contract, role or other instrument bearing my signature that verifies these alleged accounts or I will be filing a claim in federal court if these are not removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a formal complaint. I received a response from the company on XX/XX/XXXX that does not address the XX/XX/XXXX complaint. It almost appears that a computer generated the response as opposed to a human being looking at the issue. 

This is an account I have attempted to bring notice to the fact is not being reported accurately on my credit report, yet you have not disputed these correctly. The response to the dispute I get state this account belongs to me, yet I have not disputed ownership whatsoever. According to 15 U.S.C. 1681 Section 602 A states I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. How can this account be verified as being 100 % accurate without the necessary authorization shown provided by me?

Again, I AM REQUESTING TO RECEIVE THE DESCRIPTION OF THESE FINDINGS ACCORDING TO 15 USC 1681 ( 7 ). By law, Description of reinvestigation procedure. -- A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. If my written consent for the reporting of the following accounts was not provided and can not be provided, the following accounts must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been reporting the wrong  XXXX  date of delinquency since the loan has been on my credit reports. I have proof of this as well and have sent numerous letters to all three credit bureaus with no change in it being fixed over the last year. Only  XXXX  credit bureau removed  XXXX  of the  XXXX  accounts as it should have been but failed to remove the other. I have sent bills from  XXXX  to prove that the first date of delinquency is incorrect and that the  XXXX  accounts from  XXXX  should not even be on my credit reports.  XXXX  has also been past the statute of limitations for NY  ( 6 years ). For a long time  XXXX  was reporting the wrong history and balances of th e accounts since day  one, but  that was updated last year. I never had this issue with   XXXX   XXXX   as the original creditor. Please help me fix this situation as it is ruining my credit. I have highlighted in the Navient payment history for both accounts in yellow via attached documents to show the proof.
Product: Credit reporting or other personal consumer reports

I am sending this complaint regarding a discrepancy in my credit report that require your immediate attention. Specifically, I am disputing this account : XXXX, XXXX. XXXX. 

The reason for my dispute is that your agency has failed to provide sufficient information to verify the debt in question. XXXX and XXXX, other credit bureaus, have already rectified this inaccuracy in their records due to identified errors. I am puzzled as to why you have verified this account while other bureaus have updated them. Therefore, I request that you correct this account in my credit file as they are inaccurate, erroneous, incomplete, or unverifiable.
Product: Credit reporting or other personal consumer reports

I received a 1099 c form for tax purposes on a charge- off account. This debt is listed as payable income by me doing so. How can this still be reporting on my credit report it violates the FCRA and not only that several inaccuracies are constantly being reported and keeps being verified as accurate with no proof.
Product: Debt collection

I been trying to get in contact with XXXX XXXX, I want to inform about an error that I noticed on my XXXX credit report for {$950.00}, this company claims to didnt receive equipment which I personally dropped off in one of their stores in XXXX NY. 

I also have my receipts of the returned equipments back in XX/XX/XXXX.
Product: Debt collection

XX/XX/XXXX and XX/XX/XXXX Phone number called from : ( XXXX ) XXXX  XXXX, NY Both times they claimed a courier was on their way to my home to serve me with papers to withhold my Social Security check for an alledged credit card I have paid off and closed.
After 1st message I called back and spoke to XXXX XXXX XXXX who claimed to represent a law firm of a company of a company. She had the last 4 of a credit card number of mine. She claimed I owed XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX {$360.00}. Since XX/XX/XXXX I want these people to quit scamming people. Bunch of theiving subhumans!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following accounts multiple times with Equifax and they have come back verified and updated. The following accounts have been re-aged and according to the FTC, FCRA, it is illegal to re-age debt. XXXX Account # XXXX XXXX Account # XXXX. XXXX is reporting a payment history in XXXX when this account was paid and closed in XX/XX/XXXX. The account also states that it is open when it is in fact closed. There should be no reporting after the date closed. XXXX is reporting 20 late payments and the first major delinquency date changed to XXXX. This account was also closed in XXXX. Which means the date was changed on both of these accounts and the debt was re-aged. My next response will be with a lawyer as this is bringing down my credit score. These accounts are inaccurate and unverifiable so they need to be removed immediately. I have attached a copy of my drivers license and utility bill for ID purposes. I will also be reporting this to the FTC for failure to investigate properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a mortgage being reported from 2005 on my credit from multiple lending companies. One is from XXXXXXXX XXXX XXXX and the other is XXXX XXXX XXXX XXXX. I have never bought a home and need all mortgage related loans removed from my credit. The amount on these loans is {$160000.00}. It shows the loans were transfered but it is not mine. I would have been XXXX XXXX XXXX in 2005 and it's impossible the information is mine.
Product: Checking or savings account

Chime is holding my deposit of {$5600.00} for over 4 business days for no reason. The EFAA of 1987 states my funds should be available no more than 4 business days after deposit. I have no history of bounced checks, my account has been opened for over 30 days, and my account is in good standing. Chime is blatantly disregarding the law because of a policy change in XX/XX/XXXX. Furthermore, the first {$200.00} at least should have been made available within 24 hours of depositing, that has also not happened. I have tried to rectify the situation with chime and they state they cant do anything because of the new policy. Policy does not trump the law and the law states I have a right to my funds.