23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

3 wires were sent totaling {$900000.00} for real estate XXXX and XXXX sent 3 wires for {$900.00} to XXXX XXXX XXXX XXXX Wells Fargo received those in XXXX XXXX XXXX XXXX All wires were recalled. Initially, Wells Fargo said it was a large error on their part but since change from that recorded call to its XXXX and XXXX error and they carry lose accounts to cover these situations. We asked all three to self-report. XXXX and Wells Fargo said no on recorded lines. XXXX said report to cfpb and provide report number. Then they would self-report. A police report was filed, and Civil lawsuit. in XXXX XXXX Texas. The same individuals have many civil lawsuits. They have 2 bankruptcies that have been reported as fraud. The US DOJ is monitoring those bankruptcies but will not confirm or deny they have an open investigation. XXXXXXXX XXXX issued a fraudulent 1st lien loan to counter a second XXXX in default. Unjustly putting themselves at the front of the line. They did a conforming loan without support. So much so they allowed a second lienholder to step in and take over the asset. They know they have a loan officer who committed fraud to save his year-end performance bonus. We asked them to self-report. Head of compliance was served, and they went silent. a lot of layers of fraud. PPP. Wire, Securities, Tax evasions. The great thing for investors is you have banks who committed ppp and loan fraud. XXXX XXXX XXXX. His brother XXXX XXXX and daughter XXXX XXXX have trust fund with stolen investor 's money. 

XXXX XXXX XXXX SS # XXXX. XXXX XXXX XXXX XXXX has XXXX children. He claimed XXXX exemptions in XXXX. Tax fraud. 
These individuals have both stated that they carry a XXXX at all times, and should be XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my free credit report from TransUnion in XX/XX/2022 via the XXXX website. TransUnion delayed providing me with my free annual credit report. I received a post card in the mail requesting that I verify my address with TransUnion before they released my credit report. The request required that I provide them with two forms of address verification with my current address. 

I contacted TransUnion to discuss the matter and verified my current address on XX/XX/2022. The representative refused to accept my information and proceeded to threaten me with disconnecting the call after I provided him with my current address multiple times. 

TransUnion is engaged in unscrupulous business practices. 

Homeless individuals should be given access to their credit reports notwithstanding their ability to verify their current address. 

In order to resolve this complaint I am requesting a free copy of my TransUnion credit report in earnest.
Product: Payday loan, title loan, or personal loan

I have emailed the customer support team multiple times over various months and have not gotten timely responses, nor have I been provided with and help to get access to my account again. They have emailed me expiring log in links that I have clicked immediately after receiving only for the link to not work. So I can not log in and reconnect my bank account, as a result I have late payments from them because they wont allow me access to my account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, the following have violated my rights ; XXXX # XXXX, XXXX  XXXX # XXXX, XXXX # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A states that I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting

I received XXXX and XXXX credit reports online at AnnualCreditReport.com. 
Equifax, instead of displaying my credit report, I get a web page that says : " Online Delivery Unavailable '' and " We are not able to deliver your free Equifax Annual Credit Report online. '' Why not?
Product: Credit reporting

I donot have a XXXX account please remove from credit report I called XXXX they do not have any information on me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent written request to all 3 reporting agencies requesting verification and validation. To date, they have not been able to provide the proper verification which according to the FCRA must be removed. The deficiency has to be removed due to the fact that XXXX XXXX XXXX has not complied with my written request in timely manner. Engaging in deceptive acts or practices violating CFPA laws and acts. I am attaching copies of written correspondence dated more than 90 days and to no avail have I received proof of anything that I have requested.
Product: Mortgage

I tried to refinance my mortgage with Amerisave, I'd done the same with them several years before. My loan officer XXXX XXXX told my I qualified to refinance, but it would cost me {$500.00} to lock in my rate. Once I paid the {$500.00} and started the paperwork I asked how to handle my wife being on maternity leave since her W2s will show no earnings right now. It took over a week of me calling and emailing him until he responded, he said it wasn't a problem she was on maternity leave if she went back before the first mortgage payment was due, but still didn't tell me what documents they would need. I asked again that day and didn't here anything ever again, I emailed and called multiple times, he just quit responding to me. I also left a voice message with someone described as XXXX XXXX 's manager who also did not respond. After another week I sent an email asking him to refund my {$500.00}, cancel my application, and cancel any services they scheduled like the home appraisal, he didn't do any of those things. The appraisal company won't let me cancel the appraisal because they said I didn't order it, Amerisave did and they  haven't cancelled it even though I requested they do so. Literally the next day after I paid them {$500.00} they became unresponsive and made it impossible to complete my application. I want my money back.
Product: Mortgage

Information from credit report Loan Amount : Over XXXX Bank : XXXX XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX I called the phone number multiple times and no one has answered. I spoke with XXXX today, XXXX, and filed a dispute with them and they instructed me to also submit a claim with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting Unknown unauthorized and Unrecognized items and disallowing me to submit disputes for unknown items causing irreparable harm and damage to my credit report. 
I have disputed the items on my report as they do not belong to me and I have no knowledge and yet they are still there. Other items are inaccurate.This dropped my credit score across all 3 credit bureaus XXXX points and caused me to be denied housing as a result if my credit tier rating dropping. Resulting in irreparable harm.This is a blatant UDAAP violation Federal No Surprise law Act violation by XXXX XXXX and XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Type Balance Date Opened Collection {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type Balance Date Opened Collection {$580.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Account Typ Date Opened Status Collection XXXX XXXX XXXX  Collection account. {$700.00} past due as of XXXX XXXX XXXX {$700.00} XX/XX/XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor Company Sold Account Type Date Opened Status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Debt Buyer XXXX XXXX XXXX  Collection account. {$480.00} past due as of XXXX XXXX XXXX {$480.00} XX/XX/XXXX {$480.00} 0 % Status Updated Balance Balance Updated Original Balance Paid Off Monthly Payment Past Due Amount Terms Responsibility {$480.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXMy legal name is XXXX XXXX XXXX XXXX, and my social security number is missing from this report!  When I applied for housing in XXXX XXXX On XX/XX/XXXX Experian created a credit report number:XXXX for XXXX XXXX. This report included two incorrect social security numbers and not one of these numbers included my correct social security number. This report included my XXXX mothers information name and address in Hawaii. They had my name spelled incorrectly eleven times. My maiden name was XXXX XXXX XXXX. They have my mothers address XXXX XXXX XXXX, XXXX XXXX which I have never lived at. They had a credit card listed from XXXX XXXX XXXX with a balance of $ XXXX. which was dismissed when I received a XXXX from XXXX XXXX XXXX two years ago and showed I still owed the amount. The fact they are creating a credit nightmare with all the wrong in formation has me really angry also that they are using my XXXX mothers information as mine is so negligent and disrespecting me! I worked for a XXXX 15 years and I used to be a XXXX who used credit reporting agencies all the time. I lived in XXXX for 20 years. My XXXX XXXX is new to me so I am not able to get it to you online. I will send a paper copy to the CFPB for your records.
Product: Debt collection

Southwest Credit is attempting to collect on a debt that they purchased from XXXX. When I requested debt validation for thus alleged debt thet failed to properly validate it.
Product: Credit reporting

There are many hard inquiries on my credit without my authorization. On XX/XX/XXXX & XX/XX/2015, XXXX XXXX, XXXX XXXX obtained a copy of my credit report without my authorization. And on XX/XX/2015 XXXX also obtained an unauthorized copy. I requested written proof and none was provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX ; XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX. XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : Untitled Account Number : XXXX and list of Inquiries. 


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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Please see the attached CFPB complaint and remove the following account from my credit report due to the original creditor and collection agency failure to validate the account. XXXX and XXXX have since removed this account. I will find it necessary to take legal action against Transunion if this account is not deleted within 7 days XXXXXXXX XXXX XXXXXXXX. Transunion is the only credit reporting agency reporting this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

See Attached Document The credit reporting companies put FRAUD PROTECTION " without '' even notifying me and without my written or verbal consent. They are not investigating the incorrect amount by the fraudster XXXX. 

Biggest non-cooperating company IS XXXX. XXXX ACTS LIKE A MAFIA ORGANIZATION DOES ANYTHING TO HURT CONSUMER WITHOUT CONSUMER 'S CONSENT.
Product: Credit card or prepaid card

I recently contacted my JC Penney MasterCard which can be used anywhere. Since I have made payments on time I requested my interest rate be lowered. I was told There were no lower rates. I contacted two of my other cards and did get a reduction in interest rates for paying on time.

The amount of this payment is an extreme hardship for me.

The payment is approximately {$180.00} a month. My rent is {$870.00} so this makes it a struggle for me. No credit card should be able to charge over {$120.00} A month.

Please help me.

Sincerely XXXX XXXX, OR XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2021 I received notice that my personal information has been breached and compromised. I noticed several accounts on my credit report that I am not aware of that was not accompanied by me. My credit score is very low from this unfortunate situation.
Product: Debt collection

They are trying to collect XXXX dollars from me for and XXXX  XXXX XXXX but I have a payment arrangement with XXXX XXXX and my next payment doesnt come out till the XXXX which is when I can pay it because I will have the money Im not ok with them trying to collect more money out of me even tho Im paying my bill
Product: Debt collection

In 2019, and while insured by XXXX XXXX in XXXX California, I visited Maryland ( where I have now moved ) for several months and received medical attention from a XXXX XXXX XXXX injury here. 

Before receiving the medical attention, I contacted a XXXX representative in California who advised me that any medical services that I received in the XXXX / Maryland / Virginia area would be covered by my XXXX plan in California, provided that I received the attention at XXXX XXXX. 

I was further told that medical services received from non-XXXX facilities may be covered as well but in more limited circumstances, so I made sure to only receive care in XXXX owned and operated facilities. 

When I later permanently moved to Maryland, I officially switched my coverage to XXXX XXXX. At no point was I without coverage, either by XXXX of XXXX California or XXXX XXXX. 

After several months of services from XXXX XXXX, I was informed that I owed out-of-pocket costs from the services previously rendered in the XXXX XXXX facilities while I was a member of XXXX XXXX California. 

I disputed the charges with XXXX 's internal dispute resolution services, and during the last call I had with them I was told that since their records confirmed that I was completely covered by a XXXX plan ( whether XXXX California or XXXX ) at all times, I would not be responsible for any out-of-pocket charges and they would be resolved internally. 

I believed that the matter was resolved until I received a letter yesterday from USCB America, informing me that they are attempting to recover a debt of {$2800.00} owed by me to XXXX XXXX XXXX. I ran my free credit report and this has in fact been reported and my credit score has been significantly lowered as a result.
Product: Credit reporting or other personal consumer reports

Being a victim of identity theft is a crisis trying to obtain your name back, I have sent in a report all to no prevail when it comes to XXXX  in whom needs to be sued for taking me through all this knowingly knowing what they doing is against consumer law. These accounts are not mines and therefore I'm demanding the immediate removal of the following accounts. 

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

I disputed an accounts reported by your company in the file you maintain under my Social Security number XXXX, XXXX,XX/XX/XXXXXXXX XXXX XXXX,XX/XX/XXXX I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report.In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XX/XX/XXXX 
Please govern yourself accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Failed to correct fraudulent accounts on my consumer reports
Product: Checking or savings account

I received a letter back from CFBP today. Saying you heard from Key Bank and that they told you they are working on the issue. No they are not, I have gotten the same response from them for the last 3 months. So now I have to wait another 60 days for Key Bank to do nothing again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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

Greetings. 

I sent a disputes letters to the credit bureaus sunch as XX/XX/XXXX Equifaax and XX/XX/XXXXbut they are not doing anything to solve my problem, I have inaccurate information on my credit report that is affecting my credit score, i want to resolve this as soon as posible.
Product: Credit reporting, credit repair services, or other personal consumer reports

WAKEFIELD AND ASSOCIATES IS MISTAKENLY REPORTING ME IN COLLECTIONS. PLEASE SEE AN ITEMIZATION OF ALL MY MEDICAL RECORDS FROM XXXX ATTACHED. THIS IS DIRECTLY FROM THE HOSPITAL AND ALL BILLS WERE PAID THROUGH MY INSURANCE. PLEASE DELETE THE MEDICAL COLLECTIONS FROM MY CREDIT. PLEASE AND THANK YOU VERY MUCH.
Product: Prepaid card

On XX/XX/XXXX I was finally able to get bank of America to issue me a working debit card so I can finally access my XXXX XXXX XXXX. I was able to spend about half of what monies was in the account. Bank of America had me go to the bank multiple times to verify my identity and now the bank says I can no longer access my funds. They have not told me of ways I can access the account. Also the XXXX XXXX  is expecting to get new cards issued by another bank and says we can request a check for remaining funds through bank of America in XXXX of 2024... I can not wait that long and need the funds now.