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

TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. XXXX  XXXX, XXXX, GA XXXX Dear Sir or Madam : 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 Opened XXXX XXXX, XXXX + {$550.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX  XXXX Opened XXXX XXXX, XXXX + {$1800.00} Original creditor : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX  Opened XXXX XXXX, XXXX + {$350.00} Original creditor : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX  Opened XXXX XXXX, XXXX + {$350.00} Original creditor : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Opened XXXX XXXX, XXXX + {$170.00} Original creditor : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Opened XXXX XXXX, XXXX + {$1200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX FL XXXX Opened XXXX XXXX, XXXX + {$1100.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX + {$550.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX + {$170.00} Original creditor : XXXX XXXX XXXX XXXX XXXX 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 SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I'd like to file a complaint against Equifax, XXXX and XXXX and all the secondary bureaus. Under the provisions made by the Fair Credit Reporting Act, I have the right to accurate reporting of any and all information pertaining to me. 
With that being said, I'm requesting that : The : Dismissed Bankrupcy that is showing on all 3 bureaus be deleted immediately. This information is inacurrate and can not be verified. 
Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been asking repeatedly for my information to be updated on my credit report with XXXX, Equifax, and XXXX. Each time I Send them my ID, SS Card, and Proof of Address they keep ignoring my requests. According to 15 USC 1681i regarding inaccurate and unverifiable information if any information is sent in by me as a consumer that information should be promptly deleted from my file or modified based on reinvestigation. I must also be promptly notified by mail of any modifications or deletions as requested. I have not received any mail of results or anything from Equifax, XXXX, and XXXX and they are reporting the following incorrect addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Mortgage

Stated I have an escrow shortage of {$190.00} when I am 100 % XXXX XXXX in Texas not paying property taxes and insurance was payed up. Still taking property taxes into escrow when they should not be. Will not return my calls or emails. Continue to say that they will be doing an escrow analysis on my account a couple days after I call. Escrow refund of {$5400.00} was told to look out for it in mail and haven't received it a week later.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 1 credit card with Bank of America account ( as an authorized user ). XXXX   reported it. Account opened XXXX, still open. XXXX  deleted the account after the 2nd half of XX/XX/XXXX without a valid reason. They refuse to reinstate and lie stating reasons that don't exist or they try to blame it on XXXX  and/or XXXX  who BOTH report it correctly which XXXX  has been told numerous times. XXXX  mistakingly deleted the account the 2nd half of XX/XX/XXXX after I was a victim of identity fraud in XXXX. I have disputed this mistaken deletion of the Bank of America Credit Card by fax, by postal mail, and on the phone as well, asking them over and over to put the account back because it is validly mine ( I'm an authorized user and the account is on same address, never late, same address since XXXX never moved, never anything that would make this account suspicious ). On the XX/XX/XXXX phonecall, I was confirmed of the dispute, and the account was said to be reinstated immediately. Report Number : XXXX Date Generated : XX/XX/XXXX Your dispute results are currently not available online ). It is the only dispute in the account. The mail and fax disputes are not there. After numerous emails with proof to XXXX  and Bank of America monthly, the account is NOT reinstated. It has been over 4 months. XXXX XXXX nonsense responses vary from saying start a new dispute, to saying go to other credit bureaus, to saying they don't have any dispute information, to starting a new dispute again, to calling again, to mailing through postal again, to saying we don't report this creditor ( but they deleted it ),  and never do they acknowledge the existing disputes methods, not the 1 dispute that is online, nor do they look at the proof by Bank of America letter stating it is indeed my ( authorized ) account. COVID makes calling impossible, very hard to reach before COVID as well and since they don't do what they say on there anyway, I don't wish to call. 
Bank of America contact XXXX XXXX XXXX ADDITIONALLY, delete all names that were used in the identity fraudulent ( see the Identity Theft Report ). XXXX  states I used these in applications but those were fraudulent applications so the names used should be deleted accordingly. The rest was already deleted ( fraudulent hard inquiries, fraudulent phone number, fraudulent zipcode ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a derogatory mark on my credit report from XXXX. My wallet was stolen in 2019 and I started seeing things coming in my name. Inquires and bills. I still have the police report.
Product: Credit card or prepaid card

My XXXX year old son was given a vanilla  gift card for his birthday. There was a XXXX charge on the card that he didn't authorize. He said a game XXXX XXXX he tried to download and it asked for the card number but said there would be no charge. It did charge him. I called the company twice to initiate a dispute but the phone kept hanging up. I went on their website and there was nothing in regards to a dispute process. Almost like they don't want anyone to know how to dispute. I need this issue rectified immediately please. I want the XXXX transaction disputed and refunded back to the card number XXXX XX/XX/27 XXXX immediately. 

The XXXX XXXX  is associated with this card and serviced by incomm financial services. They are responsible for making this right.
Product: Credit reporting or other personal consumer reports

To all the credit berau XXXX XXXX AND EXPERIAN, recently they have been into a settlement for doing all this kind of fraud by not removing information that is not mine of my credit report as this inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. All this inquiries are fraudulently done and needs to be removed of my credit report
Product: Mortgage

I'm in the process of losing my home due to less income and death of borrower. I have reached out for over an year for help. Filled up for several mortgage assistance and keep getting turned down. I currently owe {$32000.00} after trying to resolve the matter. ( to bring current ). Specialized Loan Servicing is not trying to assist but take my home of 40 years. I have sent in several documents that always come up missing or unreadable, so I have to send again. 

This loan was transferred in XX/XX/2019 and I have been trying to resolve the matter. I keep getting told the investors doesn't want to invest. I have sent in several documents showing my hardship and my plan of action going forth.
Product: Mortgage

I am trying to obtain a payoff with a lien release from Wells Fargo and Wells Fargo does not give me this information. They are only giving me a payoff but are not including the release of lien on the payoff. I need to close this account and wells Fargo give me a satisfaction of lien. 
Every time I call they they give me the run around. I have even gone to there branch and no one there helps me either. 
I need to close this account and get the release of lien as i am getting other line of credit with a different leader. 

Attached I have included the payoff they are sending me and as you can see it doesn't include the release of lien cost.
Product: Mortgage

Due to medical I got a second mortgage on my home in 2006 with XXXX dba as DItech. Because of the low equity, and the amount of time I was in the home I did not qualify for any other loans. Although I did non need XXXX XXXX would only due the loan if I would let them pay off my car loans and all revolving credit balances which was around XXXX. Because it was an 125 % LTV loan I had to pay 12.25 % interest rate. I was assured by the XXXX rep that I would by able to refinance in a couple of years to a traditional loan with a lower rate after my home had built some equity. Over the next few years the housing market went down, our medical issue 's got worse, my wife lost her job and we lost our health insurance. We were unable to get other health insurance to to " pre-existing conditions '' and the cost. During that time XXXX sold our loan to GREEN TREE SERVICING. After the toke over the loan it turned into a nightmare. When I reached out to them numerous times for help. I was told so many different stories and lies by the company I ca n't even come close to remembering them all. I was told there were no government programs for my loan, I was told it was illegal for them to modify the loan, I was told that GTS now owns this loan and not XXXX and they would not modify the loan or even subordinate it so I could get a lower rate on my first mortgage. THey called my multiple times daily, even if I was late or not. Me and my wife both had to have our phones disconnected to stop the harassment. The called my employer, my wife 's employer and my former employer multiple times a day. Day after day. Even when I told them I had taken a second job at night and slept late they would call me at XXXX and XXXX and not ever say anything, just breath or giggle over the phone. To make things worse I received a letter telling me my first loan was going to be " serviced '' by GTS now. I received the same type of treatment after GTS took over my first loan. They tried to change my due date. Charge all kind of service fee 's. To " see if the home was still occupied '' along with quick pay fees for paying my bill. If i set up a online payment through my bank the would not accept an ach payment so my bank would have to cut a actual check that would take 6-8 days to clear. Just last month they tried to force my into buying insurance for my second loan when I know i was n't required to. After running out of options on how to deal with this company I wrote a complaint to the better business bureau the sent me a packet with a contact number and extension for a person that in the letter I could speak to about help. When I called GTS that person did not work for the company and no one had ever heard of them and the extension was dead. I was handed over to " XXXX '' who I was told was my account rep. XXXX told me I would be given a lower rate and they would never ever subordinate this loan and If i had a problem with that just let the house go into foreclosure. He then hung up on me and told me it was in my best interest never to call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went through a dispute process with Experian credit beauru because I filed bankruptcy chapter XXXX back on XXXX/XXXX/2014. I consulted with a n attorney that advised i can dispute and have it taken off my credit since it have been 7 years and it is discharged. Experian denied/refused my request and I am still unclear the reason why. I know people personally did same process and it was removed from their credit reporting. This needs to be looked at again. Thank you. I am not allow to dispute again and ask for more information which is not fair to me or any consumer out there.
Product: Credit reporting or other personal consumer reports

Dear Experian I am writing to formally dispute unauthorized inquiries that appear on my credit report, as well as to assert my rights concerning the documentation you may request from me in relation to this dispute. 
Upon reviewing my credit report, I have identified the following unauthorized inquiries : Company : XXXX XXXX Date of Inquiry : XX/XX/XXXX. -- - Company XXXX/ Date of inquiry : XX/XX/XXXX -- - I did not authorize these inquiries, and I believe they have been made in error or without my knowledge or consent. As such, I request that you investigate these inquiries and remove them from my credit report if they are found to be unauthorized. 
Furthermore, I would like to assert that, under the Fair Credit Reporting Act ( FCRA ), I am not required to provide an FTC report or a Police report to dispute inaccuracies on my credit report. The FCRA mandates that credit reporting agencies must conduct a reasonable investigation upon receiving a dispute from a consumer, without placing undue burdens on the consumer. Demanding an FTC report or a Police report as a prerequisite for investigating my dispute is not only unnecessary but also places an undue burden on me as a consumer. 
I expect you to adhere to the FCRA 's guidelines and conduct a thorough investigation into the unauthorized inquiries without requiring any additional reports from me. Failure to do so may result in further action on my part to ensure my rights under the FCRA are upheld. 
Please acknowledge receipt of this leter and inform me of the steps you will be taking to address my concerns. I expect a response within 30 days, as stipulated by the FCRA. 
Thank you for your immediate attention to this mater. I trust that you will handle this dispute with the seriousness and urgency it warrants
Product: Credit card or prepaid card

My name is XXXX XXXX I received a letter in the mail dated XX/XX/2021 from XXXX XXXX XXXX stating that they XXXX XXXX XXXX has reported fraud to the federal investigation i believe my by law husband XXXX XXXX XXXX whom im trying to divorce is responsible for these incidents. He also has allies he goes by XXXX XXXX or XXXX XXXX I have never taken a credit card out in my name nor did I take a XXXX dollar insurance policy out. His current address is XXXX XXXX XXXX XXXX ga XXXX I don't know of I need to contact the police about this but I've filed 2 working on 3 other reports on XXXX XXXX. Please help me my contact number is XXXX my name is XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/24 i went to a XXXX dealership to lease a new car. I was told a specific bank was going to be my lender then i started to get emails from all these banks that ran my credit, XXXX total!!! 
here are the names : XXXX XXXX XXXX XXXX XXXX XXXX Santander XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I never authorize any of these banks to get a copy of my credit.
Product: Credit reporting or other personal consumer reports

Add my address for the last 5 years as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit card

Since XXXX 2014 have notified Capital One Bank about an account that is listed on my credit report that I did not authorize, nor have knowledge about. last correspondence was sent in XXXX of this year certified and received by XXXX. Capital One again did n't respond even though received proof of receipt. Have sent several correspondences certified, and all have been ignored. They have not removed this account from my credit report, nor have marked it as disputed. This is my SECOND complaint have filed with your office.
Product: Debt collection

I was incapacitated due to XXXX  then while in hospital XXXX was discover. My XXXX credit card despite multiple attempts to enroll online and by my spouse via phone was never enrolled in protection. Account was referred to GC Services XXXX and they sent letter in XX/XX/2022 and I spoke to them via phone on 3 ocassions. Each time i spoke with them they did not disclose any covid relief and stated there is no covid protection since account is past dow and demanded full balance which is now thousands of dollars higher due to interest and penalties.The last conversation I recorded and agent again states their is no program to protect someone who was in XXXX  due XXXX.XXXX  stated they can not bring account back to them without GS services authorization to enroll in program and GS services will not comply.
Product: Credit card

I have already called this credit card company called American Express. Explain to them. Im seeing seven fraudulent transaction on my account without my permission now they have not reached out back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is bothering! I have been sending letters of appeals and requests to the Credit Bureaus to remove these fraudulent items from my Credit Report, but despite all my efforts to establish communication with the Credit Bureaus, the Credit Bureaus have failed to respond to my letters. I have been also submitting complaints through the CFPB to have the Credit Bureaus attention for them to correct my Credit File. The last letter I sent was XX/XX/2022 with complete attachments of my personal information to prove to the Credit Bureaus that it is myself submitting these letters and complaint. Again, I was a victim of identity theft and the items I am disputing do not relate to any transaction that I have made or authorized. I have read that the Credit Bureaus are required to remove any accounts and information that resulted due to identity theft. I am now submitting this complaint to urge the Credit Bureaus to comply to their obligation and also to protect my rights which is clearly violated by the Credit Bureaus for their willful non-compliance of the FCRA statute. I need the following items removed now : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00}
Product: Money transfer, virtual currency, or money service

I sold multiple items on eBay and ebay uses PayPal for sales transaction. XXXX has already made some funds from the sales eligible for withdrawal. However, PayPal asked held up all of the funds from the sales and is refusing to release any of them despite my calling their customer service. I have uploaded my government ID ( driver 's license ) and the receipts for the goods I purchased to put on sale on XXXX as they requested on XX/XX/2021. Per my conversation with their online agents which I have copies of stated that their team will get back to me in 3-5 business days once the documents/information has been provided. Today marks the 4th business day and I call the customer service manager who told me they will not review the matter until this coming Thursday on XX/XX/2021, which is past the 3-5 business day mark. And the worst part is that the customer service manager told me that on XX/XX/2021, they will then make determination whether to withhold the funds for an even longer period of time. They are withholding about {$7500.00}, which is not an insignificant amount, for no clear reasons. 

All of the sales I have made on eBay are legitimate and verified by eBay. But PayPal is withholding my sales funds from verified sales. I read through their policy for withholding funds here ( https : //www.paypal.com/us/webapps/mpp/ua/useragreement-full? locale.x=en_US # restricted-activities ) and I did not violate any of the published guidelines. This act of withholding without clear reason/violation is malicious and needs to be investigated/intervened. 

For example, PayPal 's own electronic system with attached transaction IDs and payment total stated that the funds would be available to me. But in fact, when I log into PayPal to try to make use of the funds, it is not available to me. I can provide more examples of this if need be. Please let me know.
Product: Credit card

I have a judgement from XXXX XXXX entered 2008 and just received a garnishment letter to my company from Glasser and Glasser in XXXX saying I owe over {$3500.00} from a hearing XX/XX/2016. They have now starting garnishing my check. The address they show is incorrect and I was never been served by either XXXX XXXX or Glasser and Glasser ; and second, this debt is over 7 years old.