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

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within XXXX business days. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, NJ, XXXX, XXXX XXXX XXXX, XXXX, NJ, XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$21000.00}
Product: Money transfer, virtual currency, or money service

Company name coinbase one morning l woke up and somebody stole my money from coinbase account and XXXX from my XXXX XXXX XXXX card transfer on coinbase and stole on coinbase account then l contact with company they said somebody hacked account and stole money but that is not my fault or my problem they should have responsibilities on my money and they send me mail we wont refund your money l need this money and l have to pay my rent and nobody help me please help me thanks my totally lost XXXX
Product: Credit reporting or other personal consumer reports

Wells Fargo reported my credit card account as 30 days delinquent for XXXX. The XXXX Payment was due on XX/XX/2023, and the payment was made on XX/XX/2023, which makes the credit card account six days past due for XXXX and not 30 days delinquent. By Federal law, a late payment can only be reported to the credit reporting bureaus once it is 30 days past due. 

Section 623 of the FCRA and Regulation V generally provides that a furnisher must not give inaccurate consumer information to a credit reporting agency. 
Also, under the FCRA - 623. [ 15 U.S.C. 1681s ] ( B ) Reporting information after notice and confirmation of errors.

A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) The person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate I have attached the following : -The XXXX statement for Wells Fargo shows a payment of {$310.00} made on XX/XX/2023 and a new due date of XX/XX/2023 after the XXXX payment was applied. 

-My Bank Statement shows the {$310.00} payment coming from my checking account. 

-My Credit report shows the Wells Fargo XXXX payment reported as 30 days delinquent. 

Please remove the late payment from my credit bureau reports. I have excellent credit and have never had a late payment reported to the credit bureaus because I try my best to pay my bills on time. This late payment is inaccurate and negatively affecting my credit profile. I have enjoyed doing business with Wells Fargo, and I look forward to having this issue corrected and continuing to do business with Wells Fargo in the future.
Product: Debt collection

OnXX/XX/2019, I received a letter from Financial Management Solutions ( FMS ) indicating an alleged and fraudulent debt in the amount of XXXX. On XX/XX/2019, I disputed the entire debt amount in writing and sent a letter with this respect to FMS via USPS certified mail ( tracking number : XXXX ). According to the USPS online records, the letter was delivered to the FMS financial solution on XX/XX/2019 ( Accordingly, they received my letter disputing my entire debt prior to expiration of the thirty ( 30 ) days period afforded under fair credit act ). However, I was notified that FMS financial Solutions has reported the debt prior to expiration of the thirty ( 30 ) days afforded under federal law while failed to report it as disputed. Furthermore, the referenced debt collection agency has failed to validate the debt prior to taking further collection actions. The debt was reported on XX/XX/2019, while on the same day, they received my letter disputing the entire debt. 

Accordingly, the referenced debt collection agency has committed multiple violations of the fair credit act.
Product: Checking or savings account

On Saturday XX/XX/2022 I contacted Citibank Customer Service regarding the facial recognition device which I have added to my accounts utilizing my cell phone. I got a representative on the phone who was completely unknowledgeable of her job as I asked questions regarding my account and the device which was working fine prior to my having to place the call for tech support to Citibank. I then asked to speak with a supervisor who came onto the line who was rude and tried to over talk me. I explained to him the facial recognition had been working fine earlier that morning. He suggested that I try some things which allegedly would fix the problem but nothing worked. He told me that I needed to go to the online account in order to view or to do anything else with the account. I asked him what was the purpose of having the facial recognition if it does not work. He then mentioned to me that my savings account was overdrawn. I asked him how could the savings account be overdrawn when the account was opened I specifically waived the fees due to being a senior citizen. I told him to close the savings account and he told me that it could not be closed until I paid the {$27.00} overdraft charge. Citibank effective XXXX XXXX eliminated overdraft fees as well. This is my third complaint against Citibank. 
Citibank started with me in XXXX, XXXX with a bogus letter to me regarding back up with holding that allegedly came from the IRS and the IRS had instructed them to do nothing as it related to my accounts. I feel like I am being scrutinized with everything that I do regarding Citibank and I under no circumstances will tolerate being subjected to this type of treatment.
Product: Debt collection

This is the second time company put negative info on my credit report. This debt is not mine even the collection representative cold not validate this debt. This company cost my business loan rejected because of this.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution processa was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX criminal bank institution did fraud and identity deft on my name. And possibly shared with that XXXX  and unknowing XXXX, Equifax, XXXX. This four criminal companies are holding my information without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account that I have with XXXX XXXX. I exercised my rights with Experian credit bureaus electronic dispute option. Experian returned a completed result which was a blatant deception to me the consumer. Experian stated XXXX replied on XX/XX/2019 showing account owe XXXX. Well I spoke with XXXX and they informed me that that information was never rendered, this account has been marked closed 30 days prior and that the dispute dept never received a request for updated account information. Experian continues to deceive the Americans community with fake dispute outcomes. Experian isnt responding to my request at all. Just an automated completed of investigation email. Experian needs to be held accountable for this blatant deception.
Product: Mortgage

I am on a Forbearance plan with Loancare and my regular payments, according to their " Office of the Customer '' should restart on XX/XX/XXXX. 
I am trying for weeks to reach this Office of the customer and called there at least 35 times. I think this is just a made up Office that doesn't even exist, because all I ever receive is a voicemail, stating the office is closed. I left numerous messages, asking for a call back-NOTHING!

I also received threatening letters from Loancare, stating my loan is in default, which is a lie.

I don't know what to do anymore and I am in fear to loose my home.

All I need is that Loancare sends me the, so called Deferment Package for me to sign and state that my next payment is due on XX/XX/XXXX. 
In 7 letters from loancare i received they could not confirm that. 
I want to get my loan current and begin payments again on XX/XX/XXXX when my Forbearance plan ends. 
Where is my Deferment Package to sign?? 
If i call their " Customer Service '', they have no idea what I am talking about, transfer me to the Bankruptcy Department or let me wait in line for hours until I hang up. Right at this moment I am waiting in their holding line for 68 minutes. I need this issue resolved. CFBP should initiate legal steps against Loancare because of their unserious business practices.
Product: Checking or savings account

Usaa has closed my account and they are refusing to let me have access to my money. They overnighted my daughter her money but they are refusing to mail me my money in the same manner. This my money I earned it not them. Usaa has no right to keep my money.
Product: Credit reporting

i purchased and financed an engagement ring for my spouse from zales jewelry on XX/XX/2011, i financed the ring based upon decision from my credit report by the business. 
i fully paid off the ring and they never reported this financing to my credit, when i call them they are unable to assist me. i paid them more than XXXX dollars close to XXXX dollars with finance charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm absolutely APPALLED at the " investigation '' into my credit report issues! These 2 companies have failed to correct or remove inaccurate info for 5 months now and I 'm tired of it! Their JOB is to make sure that all accounts on my credit report are accurate and complete and  Congress  states that they are required to go beyond the original source of information to make sure of this. I 've requested the method of verification, procedures used to investigate as well as the proof they 're using to say that these are reporting right!   For example, the  XXXX   XXXX  account #  XXXX  is NOT even mine and although it 's reporting accurately, why have n't they removed it? I only have  ONE  account with this company!   Secondly, for the  XXXX  accounts, they 're reporting that I was late when I was n't! Insurance was supposed to pay, and I had no obligation to pay anything on the months that are reporting late. I asked for the actual contract or agreement with my signature that states I would pay on these months and of course, I never received anything! I was NOT late on these months because I had NO obligation to pay on these months! They need to remove those!   Thirdly, for  XXXX , they 're reporting inaccurate info for the public records and I 've clearly pointed out where the issues are and have requested correction or removal and of course, nothing has happened. They are required to have this documentation in their possession to keep an item on my credit report. Failing this, the item must be removed.   For Equifax, the  XXXX   XXXX  account # xxx is reporting me as late on   XXXX   XXXX     and yet not only did I pay on time, but the other  2 bur eaus are reporting accurately that I did! I asked for them to correct this and nothing happened other than that this was allegedly " verified ''!   I 'm attaching all the letters that I sent to both companies and I require that these late payments and other inaccurate information is removed immediately due to violations under section 609 and 1681.
Product: Mortgage

been paying rushmore lona management on time for 5 years the payment is automated in that rushmore pulls directly from my bank account suddenly they reported the account delinquent when it is not for XXXX. my bank account shows two payments taken out in XXXX. they blamed me and my bank for the mishap when it is them who have the automated set up. they tacked on several fees, late charges. then they pulled these fees from my bank as part of one of the XXXX payments. 

then they sold my mortgage to XXXX XXXX and passed on some erroneous fees to XXXX XXXX as well they then reported my loan delinquent to the bureaus i am XXXX XXXX paid in full up to date with XXXX XXXX. rushmore has no basis for such treatment. i am a XXXX XXXX customer with XXXX  of XXXX in summary, they said i was delinquent when i was not. my account clearly shows two payments removed. they removed fees and extra charges that they should not have added ( erorneous error on their end ). and then they reported my account as delinquent. this is the only blemish on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax to inform them that they did not exercise their grave responsibility and, that they were unfair, partial and did not respect my right to privacy concerning and account that is fraudulent on my report,
Product: Money transfer, virtual currency, or money service

XXXX submitted 401k packet solidifing acct held with citibank since employment term back in XXXX By XXXXdocuments were recieved via fax to withdraw 401k ( Documents sent via fax 2xs ) ( Documents emailed XXXX xs ) As of XXXX-additional paperwrk received ( originally submitted but then advised not needed then requested then adv it was received originally but back dated to XXXX when originally sent billed for that cycle had claim been worked effentially wouldnt be outdated then being advised different things 2-3 different occasions from managers ) From XXXX to XXXX nothing has been done in regards to my request to process closure for my 401k. Citibank knows we can not go into the office there fore they are conducting a long strenuous process to make it difficult for holders to close accounts. When i called today during business hours they had my number routed to a vm indicating call back during business hours i call checking citi they transf me over i get put on hold for a rep who never returns citibank is definitely a fraud and i want to know my legal options
Product: Credit reporting or other personal consumer reports

SELF FINANCIAL/LEAD BA Is reporting inaccurately and because of that my score dropped XXXX points today. The error has hurt my score. The balance and credit limit are both inaccurate. I demand that you update this information from my credit report immediately. By the provisions of the Fair Credit Reporting Act of 1970,
Product: Debt collection

Spoke with the company XXXX of XXXX  when I moved into my new place for the first time that I had a unpaid bill of over XXXX dollars, I found out when I lived at home my father put the house in my name for the electric bill, he had done this without my knowledge leaving me with a debt that I am not responsible for.
Product: Credit card or prepaid card

On XX/XX/XXXX my lender bought to my attention a delinquent Capital One credit card. At first I said I did not have a Capital One credit line. After doing some research I discovered that my west elm credit line was now a Capital One. 

My west elm credit line was with XXXX XXXX  when I first open the account. Up until west elm moved to Capital One my account was on time, current, and on autopay. I called Capital One on Thursday, XX/XX/XXXX and from the beginning of the call they could not find an account associated with my social security number or phone number. I was transferred to several departments until finally the Fraud department was able to find my account number.

I spoke to a manager in the Collections department, explained that I was not aware of the bank changes from XXXX to Capital One, late charges and a delinquent balance. I never received a notice about the change. He confirmed the bank changed and also confirmed that when west elm changed banks the auto payment was suspended and a new card was issued. Again, none of this information was communicated to me. The last email I have regarding my west elm account was on XX/XX/XXXX confirming my auto payment being processed. The person was speaking to told me I had to bring the account to a current status and once the payment posted I could call back the following business day to obtain a letter from Capital One explaining the miscommunication and issue. She assured me that they would not have a problem issuing the letter to me via email. I called the next day after receiving the letter which explained no issue, but was only a letter with a XXXX balance update. 

I called again on Monday, XX/XX/XXXX after noticing that the letter Capital One Sent was not sufficient and again was transferred to a few departments until I finally spoke to XXXX in the collections department. With her we noticed that both the phone and mailing address associated to the account was incorrect. I have no idea whose address or phone number that belonged to. I updated all of my contact information with her and she went to her managers to request a letter releasing me of the collection on my account. After being on hold for quite some time XXXX explained to me that there was a protocol to follow and that I had to submit a detailed explanation in writing to the dispute department at Capital One in XXXX XXXX XXXX Utah. After submitting that request a case would be opened and it would go under review. 

This process could take weeks or even months. My family and I are in the middle of refinancing our home and this has a huge negative effect on the entire process. This one glitch on my credit took my 800 score down to 615. I have to now come out of pocket {>= $1,000,000} to pay down the loan and my interest rate went up half a point. We called back a final time and spoke to yet another manager. We explained in detail the events aforementioned and all she could tell me was that this was a XXXX XXXX  issue not Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

Our XXXX XXXX XXXX changed banks. There have been two issues of someone trying to steal our identity during the changeover. The new bank, XXXX XXXX, is of no help. They can not seem to do anything right. I closed down the account immediately and the fraudulent charges were stopped in time. However, I discovered through my XXXX XXXX that XXXX XXXX reported to the credit bureaus that my address had changed. I spoke with Experian ( where the change alerted XXXX XXXX ) and got my credit account and information frozen. However, this fraudulent address is now showing on my credit report. It is not my address. I have not moved. This person apparently tried to have my address changed. XXXX XXXX will not help me fix this. I want this fraudulent address erased from my credit report. How do I do this?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fix my credit and realize that the Equifax credit reporting has my name mispelled. It has been ongoing problem and now I am getting a ton of mail with the mispelled name send to my address. 
It was brought to my attention while applying for a home loan with my local bank, on XX/XX/2019 
The correct spelling of my name is XXXX, not XXXX!
Product: Mortgage

I'll focus on the most recent activity regarding this complaint and will also leave out my last complaint that has still gone unresolved. 

After calling customer service around XXXX/ XXXX, I was told that I needed to request PMI removal via email. In XXXX, I submitted that Email and was subsequently sent paperwork to sign to the affect that I would pay for an appraisal. Paperwork subsiquently signed, submitted, and appraisal done my New Rez selected appraiser. 

In early XXXX, I received a letter from New Rez denying my request for PMI removal. Even though I meet all the requirements from what I can see and their own customer service can see. 

I called last week and was put on hold for an extended period of time. This week I have called 4 times to the number provided in the letter to try to speak to someone about removing my PMI and finding out why I was denied. The number goes to their customer service and I'm told various things from a supervisor can help me to they have no way of getting someone from the " correct department to call me ''. I was told 3 of the 4 times that I would receive a call back from a supervisor. And that I would have to wait 24-48 hours for a call back. On my 2nd call, I asked if I missed the call would they call back or how I would be able to get ahold of them. I was told I would have to just call back into customer service and put in a request for a call back again and to wait 24-48 hours. But not a single call came after the first 3 calls. On my 4 call this week I was was given the honor of being graced with a supervisor to speak with to tell me he couldn't get in touch with the right department and the only thing I could do is send an email again. 

Following the call I sent and email and expect it to take another 30-45 days to receive another form letter, not, relevant to my case. As my experience with New Rez earlier in the year provides.
Product: Credit reporting, credit repair services, or other personal consumer reports

This card belonged to my now ex husband. I agreed to settle in full to get it off of my credit report. I then paid them the amount after I requested it to be removed from my credit report, they refused after taking my payment. 

I am trying to buy a house, and this debt want even mine! Then, last month ( almost three years after I paid them ) they went and added a bunch of late payments, dragging my credit score even further down. 

I want this trade line deleted please, I can not buy a home with it on there.