23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is the follow up complaint after the XXXX  days i sent letters to bureas. I need these items deleetdXXXX 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 that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than XXXX business days after the XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again.,
Product: Student loan

I started working for XXXX XXXX in XX/XX/XXXX. I tried to submit XXXX paperwork in XXXX to get my payment counts started, but learned my loans were not the correct type and a consolidation was necessary. This was completed in XX/XX/XXXX when my ffel loans were consolidated into direct loans. Fast-forward to XX/XX/XXXX and the temporary inclusion of ffel payments XXXX. I waited until XXXX XXXX ( apologies, I don't have the exact date written down ) before I called my servicer at the time, XXXX, to inquire why my account hadn't been closed out under the new terms. I was told that the department of Ed had not sent them payment information on prior loans so they couldn't do anything. I nosed around online and found payment information on my ffel loans and included screenshots ( not the best documentation, I know ) along with a fresh pslf form, hoping that would prod them into reviewing the account when it came up for review. This form was never processed and my account was transferred to MOHELA in XXXX ( at least XXXX additional calls had been made to FedLoan seeking status of the DOE XXXX, which I'm told was received, but there was no way to give me an estimate on when my specific data would be reviewed ). We are now 12 months later with an account that has had ZERO action by the servicers, that has a documented qualifying period between XX/XX/XXXX and XX/XX/XXXX. Given the existing qualifying range, this balance should be forgiven without any further paperwork required. I have included screenshots of my XXXX payments made on the ffel loans ( serviced by XXXX ) XXXX as well as screenshots from MOHELA records XXXX the beginning and end of the qualifying payments already recorded. All calls with MOHELA have had wait times in excess of 2 hours with no progress or concrete information available. 
I am not, and have not asked for much -- just a confirmation my ffel payments are on record and that the loan is scheduled for forgiveness before we enter another tax year. It blows my mind hearing people that had to consolidate their loans and submit pslf forms for the first time being forgiven and I can't get an account simply reviewed and forgiven off historical records. 
Any assistance in getting this done in XXXX would be much appreciated!
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a vehicle via XXXX as a result the sent my information to several different companies that are listed below : 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 Also I have acknowledgement of the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My son has a car loan with XXXX XXXX. Since buying his car he has lost his job. I have assisted my son in paying his car note. I have not taken over his loan nor have I signed any documentation adding me as a co-owner of his vehicle or in any way to be responsible for his payments. I am simply a mother helping out her child. 

On XX/XX/XXXX, I telephoned XXXX XXXX as I was concerned that my XXXX XXXX had decreased significantly. My call with XXXX XXXX had proven to be futile and frustrating as it has previously regarding the same issue. I do not have an auto loan account with XXXX XXXX or any bank. Based on online document on bank 's website I am listed as owner. Utterly not true. Something nefarious is taking place with the bank and its employees. 

On the call with the bank I identified myself over and over to the XXXX XXXX representative but to no avail. I do not have a signed contract with this bank. XXXX XXXX has been reporting me as late every month since XXXX at a cost of {$10.00} per month. On my call yesterday, I asked for a copy of a signed contract that would show my obligation to XXXX XXXX that I have an auto loan with them. I was transferred from a XXXX representative to XXXX a senior advocacy member in their resolution dept. I was told by XXXX that she has a screen shot on her computer inferring it was signed by me. I asked her to fax a copy and she told me she couldn't as she had to fill out a document to have it faxed to me and it would be in my fax shortly. Nothing came. I have previously called XXXX XXXX on several occasions regarding this same issue and it has not been resolved. 

I am concerned that XXXX XXXX is irresponsibly committing identity theft. 

RESOLUTION Immediately return all monies paid on behalf of my son and close this fictious and lying account. 
Immediately return all late monthly fees of {$10.00} since XXXX. 
Immediately contact all three credit reporting agencies ( Transunion, XXXX, XXXX ) on my behalf letting them know in writing the egregious error they have caused and return my XXXX XXXX back to XXXX. 

I look forward to your response.
Product: Debt collection

This account was opened as a result of identity theft. My information was stolen and used without my permission. I brought this to the attention of AES, however they are still attempting to collect this debt. Please attached document.
Product: Debt collection

I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 
Please verify or remove immediately the following accounts : lvnding funding XXXX lvnding funding XXXX XXXX xxxxxxxxxxxxxxxx The account information is being reported inaccurately on my report. 
Please remove this inaccurate information from my credit report. these accounts were deleted from my XXXX and is being re inserted back on to my TransUnion as a closed account please do a proper re investigation before legal action be taken By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. And under 15usc1681i5 ( B ) once an account is deleted it can not go back on your credit report and a proper notice of 5 days before it's inserted the consumer should be notified or it's a violation Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Bank account or service

I posted a car for sell on XXXX in XXXX. I was contacted by someone who claimed to be interested in buying my vehicle. They convinced me to give them my routing and account number so that they could make a deposit into my account. That person then deposited {$5000.00} into my account, then within one day withdraw {$5100.00}. I was banking with USAA, the bank did not place a hold on the check which is a common practice. USAA contacted me and notified me that they were conducting an investigation on my account and that they believe that I was being scammed. A few days later, I was contacted again by USAA and informed that my account had been suspended and that they found me responsible for the negative balance. I was a advised by consumer affairs to file a police report about the money that was stolen from my account. I filed the report and provided it to USAA. I was told by USAA fraud department that they would continue the investigation into my account and since XXXX I have not received any updates regarding the status of my account. When I contact them they refuse to provided me with any information. USAA now refuses to do any business with me and they have reported me as having a negative banking history with other banks as well. I do not feel that USAA conducted a proper fraud investigation into my account. I would like for them to have provided me with much more communication regarding me account. USAA was my primary banking institution and this incident has caused and continues to cause me financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REACHED OUT TO THE CREDIT AGENCY ABOUT AN ACCOUNT THAT DOESNT BELONGS TO ME AT ALL I NEVER APPLIED OR GAVE ANYONE PERMISSION TO ADD ME TOTHEIR ACCOUNT THAT THEY ARE NOT PAYING ON THIS ACCOUNT HAS RUINED MY CREDIT WE WERE IN THE MIDDLE OF BUYING A HOUSE NOW MY FAMILY IS LONGER ABLE TO PURCHASE NO MATTER WHAT I KEEP TELLING THESE PEOPLE AND MY POLICE REPORT DOESNT MEANS NOTHING BECAUSE A COMPANY CAN JUST TELL THEM IT BELONGS TO ME BECAUSE SOMEONE DOCU-SIGNED IT THATS NOT A REAL SINGING I DID NOT SIGN THAT SO IT OK FOR SOMEONE TO STEAL MY INFORMATION AND APPLY FOR CREDIT BUT IM TRYING TO HAVE IT REMOVE BUT YOU GUYS INSITS ITS MINES I DIDNT GIVE ANY COMPANY PERMISSION TO REPORT ON MY PERSONAL CREDIT REPORT AT ALL I HAVE REACHED OUT TO XXXX XXXX THEY TELL ME TO SEND EXPERIAN THE POLICE REPORT BUT YOU GUYS AINT DOING YA XXXX  JOB I NEED LEGAL ACTION ON EXPERIAN AND XXXX XXXX
Product: Checking or savings account

I opened a direct deposit checking account with Wells Fargo on XX/XX/2023 to obtain a promotion reward of {$320.00} which they offered after 90 business days. The other requirement was to receive a total of {$1000.00} of more in qualifying electronic deposits to the new checking account within 90 business days. The account shows a deposit of {$1100.00} 0n XX/XX/2023 within the XXXX business day required period. 
Wells Fargo has now refused to give me the {$320.00} promotion reward to me. 
Their argument is that the time period was NOT 'business ' days ... which is the normal time of business ... but the time period was total days. 
Further, I have been a mortgage customer of Wells Fargo for 19 years. They do not consider that I am a long-time, consistently paying customer when refusing to give me the promotion reward.
Product: Credit card

XXXX XXXX, XXXX, I paid {$5.00} to XXXX XXXX, to talk to a doctor about my brother 's XXXX XXXX. After speaking to the doctor, I then received an email that I was charged {$46.00} per month for their services. I immediately contacted XXXX, and told them I was never informed of this amount. They cancelled, and credited the amount of {$46.00}. I disputed the amount with American Express as it was still in my account on XXXX XXXX, XXXX. They said they credited my account. 
Each statement since then, still has the {$46.00} charge on it. I have always paid in full for the charges that I did owe on, minus the {$46.00}. Now as of XXXX, XXXX, I am being charged late fees on top of the {$46.00} that was supposed to be credited. I chatted with AMEX in XXXX several times. One supervisor even said he agreed that I only owed two charges that I agreed I would pay for. I called AMEX corporate headquarters XXXX XXXX, XXXX in XXXX XXXX XXXX. They transferred me to their XXXX  office where XXXX said he would take it off my account, but it's still there. XXXX XXXX, XXXX, I filed a complaint with the XXXX. For some reason nobody at American Express can get it through their heads that I don't owe {$46.00} plus late fees. Today, XXXX XXXX, XXXX, I received an email threatening to send me to the credit bureau for not paying. I have now received a letter from AMERICAN Express that they can't credit me late fees. The XXXX is NOT helping at all. I was informed today, the guy who was in charge of my account no longer works for the XXXX. If they credited my account, why is it still on my account as being owed with late fees, and taking me to the credit bureau? I have never had problems with them until now. I have always had an excellent credit rating, and I don't want this company to ruin that for me. I no longer want this card, and will not be using it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a someone claiming to be XXXX XXXX who used an old phone number I do not use to convince me they were XXXX XXXX and that they wanted to give me an additional line of credit or loan, by the time I realized these people were not XXXX XXXX it was too late. 

I called XXXX XXXX and confirmed that XXXX did not perform a hard inquiry nor did they offer me a new line of credit or loan, their fraud and security division told me to notify the police and the credit bureaus. I was told that when contacted XXXX would confirm that they did not call me or make a hard inquiry on my credit file. 

I reported what occurred to in the town the incident occurred in XXXX XXXX, CT police department case # XXXX I also opened a dispute on Equifax
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX ( XXXX ) XXXX : XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX Subject : Request to Update Public Records with Phone Number Dear XXXX  Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : ( XXXX ) XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a consumer loan account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I filed a complaint on Real Time Resolutions last year, because they were trying to collect on a debt, that I had been paying on for over 20 years, through a Judgement and the Statute of Limitation had expired. Real Time Resolution did a Trust Deed Release on my home and now they have sent me a 1099c, Cancellation of Debt, in the amount of {$34000.00}. 

Judgement amount was for {$26000.00}, at {$100.00} a month for 21 years, leaves a balance of {$1700.00}.
Product: Money transfer, virtual currency, or money service

Hello, I am writing you regarding a problem with the company Blockchain.com, their company number is XXXX and they are registered at XXXX XXXX. XXXX, XXXX. 

I am now waiting since XXXX XX/XX/XXXX for XXXX which I deposited on this date. They put the deposit Under Review and wanted some proof of source of funds, which I sent them instantly. But I am not getting any answer from them. 

Thats why I want to ask you kindly to contact blockchain.com and tell them they should pay me my money out. 

It is not lawful that they let me wait for this long, I always answered instantly on their E-Mails and always cooperated in the best way possible. I always provided the needed documents. 

Please contact them and tell them to pay my money out on the following bank account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX My support ticket number at blockchain.com is # XXXX and my account information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you need more information please do not hesitate to contact me. 

Kind regards, XXXX XXXX.
Product: Debt collection

The collection agency attempted to reach me last week, they called my spouse and discussed the debt they are trying to claim with her. They said I owed their client money and I don't know why they would say that as I didn't have a contract with them, my business did but that contract was completed. I called them and asked them why they had been trying to contact us and they said to either come up with a solution today or they would negatively affect my credit and sue me personally not the business. When I asked why they would be going after me personally they said its because their client wants to go after me and not the business. They threatened me with legal action before and after I asked for everything in writing saying they had sent me an email I did not receive. They have already violated the Fair Debt Collection Practices Act by threatening me and contacting others about the debt they claim I owe.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of the XXXX XXXX account on my credit report. Despite my previous dispute, TransUnion failed to conduct a reasonable investigation and did not provide any documentation verifying the accuracy of this account. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

FCRA Violations Committed by TransUnion : Failure to Conduct a Proper Reinvestigation ( FCRA 1681i ( a ) ) TransUnion is required to conduct a thorough reinvestigation of disputed items. However, you failed to provide any documentation from XXXX XXXX proving this account is accurate. 
Simply verifying the account without proper proof is not sufficient under federal law. 
Failure to Provide Evidence Supporting the Disputed Account ( FCRA 1681i ( a ) ( 6 ) ) After a dispute, the credit bureau must provide the consumer with relevant details regarding the verification process and any evidence supporting the accounts legitimacy.

I never received any such documentation, which means you either did not conduct a real investigation or failed to follow FCRA requirements.

Negligent and Willful Noncompliance ( FCRA 1681n & 1681o ) TransUnions failure to conduct a lawful investigation and provide proper documentation constitutes willful and/or negligent noncompliance with federal law.

If this is not corrected immediately, I will consider seeking statutory damages for this violation. 
Immediate Actions Required : Provide documented proof from XXXX XXXX verifying the accuracy of this account. 
If no proper documentation exists, delete this account immediately. 
Send me a written response within 30 days confirming your compliance. 
Failure to comply will result in me filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General, as well as pursuing legal action for damages. 

This letter serves as formal notice before escalating this matter legally. I expect an immediate and appropriate response.
Product: Checking or savings account

My name is XXXX XXXX XXXX not XXXX XXXX XXXX. I have noticed that banks and bank account are getting changed over from XXXX XXXX XXXX to XXXX XXXX XXXX. I have XXXX hackers. XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX ) Who have been stealing money from my accounts. I have not touched a XXXX of the money in any account. I need this to be corrected immediately. I need law enforcement to track down every XXXX these XXXX have taken. Please. They are harassing me and will not leave me alone. Please. Also change the reference XXXX on ally forms. XXXX  has passed away and her family is in on trying tos teal everything I have. Please do not reference XXXX with anything to do with any of my accountsm XXXX XXXX. Please be aware that XXXX XXXX XXXX and XXXX XXXX XXXX have a fake passport and a fake POA. Please do not use in any bank transaction. Do not allow bank transfers of any type. In the XXXX and XXXX international. The XXXX and XXXX are no longer an association with me. In any matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I moved from California to Virginia in XXXX, my ex and I placed all of the shared California accounts in his name, including the XXXX account that led to this dispute. At some point between XXXX and XXXX, he let the account fall into collections. 

I knew nothing about that until XXXX when it popped a notification on my credit monitoring service and subsequently on my credit report. I received no emails, no mailings, and no phone calls about it ( from my ex, from XXXX, or the collection agency XXXX XXXX ) until it appeared on my credit report. At less than {$400.00}, I would have paid to resolve the issue before it went to collections had I known about it. 

My ex has since paid the collection. Ive tried to work with both XXXX over the phone and in-store, and Ive tried to work with XXXX XXXX to have the collection entirely removed from my credit since I am in no way responsible for this issue and had no opportunity to intervene in the situation before it went to collections ; both companies point me to the other to have it resolved, but neither will actually do anything about it. 

I have disputed this successfully with XXXX and XXXX ; as a result, my credit is accurately reflected at just over 800 with both agencies. I have disputed this with Experian without success ; the issue is dragging my score below 700 with them and as Im trying to buy a home, this is a problem. 

This is negatively impacting my financial position even though it is in no way an accurate reflection of who I am as a borrower which is the entire purpose of credit scores and reports. So this is my last hope - Im respectfully asking for this to be either removed from my credit or at the very least, have the negative impact to my credit score nullified so that I can proceed with my mortgage. 

Thank you in advance for your consideration and for helping me save several hundreds XXXX thousands? ) of dollars over the lifetime of my upcoming mortgage.
Product: Credit reporting or other personal consumer reports

Upon receiving and reviewing this information in the response from you I am in disbelief that you can verify this information after evidence already submitted to you would irrevocably strike that possibility down. 

This is yet another attempt in good faith to prove and provide sufficient documentation and come to compliance standards of the many violations I have found in these illegal reportings all backed by evidence that I've already presented to you in which you are becoming willfully noncompliant with the FCRA. Some violations as you have still yet to provide me with your lawful permissible purpose with my written instructions ( 15usc1681b ( 2 ) ) are in which that can lead up to fines under title 18, you have single handedly assassinated my credit worthiness, credit standing, credit capacity, character, and general reputation through the fraudulent, unlawful, inaccurate, incomplete and unverifiable furnishings and obtaining of this information.