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

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It XXXX Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
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  Please block this information from my credit report within XXXX business days, pursuant to Section XXXX of the Fair Credit Reporting Act.
Product: Checking or savings account

I closed a CD with Marcus by Goldman Sachs on XX/XX/year> ask for a check to mailed as of today I've not received my check the XXXX tracking number that was given to me in invalid, I've place more that XXXX  called to Marcus by Goldman Sachs each time I've spoken with a supervisor and was told someone would call me back never happened, no one has proper training an investigation is needed.
Product: Credit reporting

There are inquiries on my credit report that were not authorized, there are serveral insurance companies that checked my credit when I only gave permission forfor XXXX company to check. and also there is a place called XXXX on the inquiries that I have not given permission to as well.
Product: Credit reporting or other personal consumer reports

I have been reporting disputes on my accounts since XXXX XXXX and nothing has been done about it. What is on my account is wrong. They keep taking it off and putting it back on with a different date. My information has been leaked to the dark web and I cant get any credit because my credit score stays low for almost 30 years now with the same information on it. Ive been trying to call them and get it off but they only say that its verified they will not give me anything to dispute it with. I have reached out to the companies. They never give me a wet signature or any dates that they got these so-called debts and I dont know what to do now my credit has not gone up in 30 years because of XXXX and XXXX and I never had an account with Fingerhut. There are countless addresses on my report that Ive never lived at and there was even a second Social Security number on my report that I had to have removed. Ive never lived in Texas. Ive always lived in XXXX XXXX XXXX XXXX XXXX but my credit remains in the XXXX range because the disputes wont go through.
Product: Bank account or service

My personal information was stolen and used to open at least XXXX bank accounts and to obtain at least XXXX loans from the below listed companies. Apparently all fraudulent accounts were opened online with no confirmation in person. 
Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All companies were sent 609 ( e ) requested per FTC guideline by certified mail and were delivered no later than XX/XX/2016. None of the companies have responded with the requested information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS AND THEY ARE NOT APPLYING THE LAW NOR OBEYING THE LAWS OF CREDIT BY DELETING ACCOUNTS DUE TO WAY TOO MANY INACURATE ACCOUNTS AND IT HAS NOW BEEN OVER 30 DAYS DATE LETTER SENT XX/XX/2020
Product: Mortgage

I am a REALTOR. I help clients with short sales. In the past we had to have the escrow company prepare a HUD1 to submit with Purchase and Sale to short sale lender. With the new regulation, escrow can no longer prepare the HUD1. I have a short sale offer in place with lender and they will not move it forward to review without a HUD1. They say they are aware of the regulation but they still require HUD1. We have given them the SELLERS 'S ESTIMATED SETTLEMENT STATEMENT but I am told that will not work. This is the first short sale that I have done since the change, not sure if other lenders are doing this.
Product: Money transfer, virtual currency, or money service

I sold a XXXX channel by using a famous trusted escrow service of XXXX. They transferred the payment ( XXXX XXXX ) to my paypal account. The amount has credited in XX/XX/2023 and paypal said that will automatically withdraw to my bank account. Next day they asked to verify my identity and verified using my voter id card. After they reviewed my information they said they permanently blocked my account and my money is in hold for 180 days. They are not specifically saying what is the reason and not giving a chance to solve the issue if I did anything wrong. I contacted them through there message sender and they replied only that they are blocked the account permanently and hold the money for 180 days. I sold the XXXX XXXX  legally then what right paypal have to hold my money?
Product: Checking or savings account

When we sold our apartment we deposited a large sum with Citi. They encouraged being a citi XXXX  account. Now, years later I see fees showing up because they require the balance to be maintained on the XXXX of each month vs average over the course of the year. I have already addressed this part with the bank. 
What was fascinating to me and should be looked into further by this agency is that I was charged {$30.00} on XXXX because I didn't meet the balance requirements on that date. Later that month when I took out fees from a non-citi ATM, I was charged a {$3.00} charge which I normally wouldn't be charged because my accounts didn't reach the balance level on XXXX. How could it be that for those not meeting balance requirements and then get charged a fee to stay with that account type are then also declined the benefits of that account type. I care little about the {$3.00} and much more about how these discreet policies could be harming all Americans. Thank you.
Product: Mortgage

I have reached out to Mr. Cooper on multiple attempts, both through mail and email in an attempt to have my PMI removed. I have contacted the company in XX/XX/year> and again in XXXX with no response received. I have followed the steps they have listed on their website to remove PMI, and I meet all the requirements. I have requested to have an appraisal updated at my expense, and I have not heard any comments back. I work at an FDIC insured bank as a XXXX XXXX. I feel Mr. Copper is abusing and taking advantage of its consumers by failing to respond. Based on internet reviews, forums, etc of Mr. Cooper, this occurs to be a recurring issue with this company. They want to keep pocketing the funds when there is no real risk and the XXXX on the loan is well below 80 % at this time. Please assist.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following fraudulent account on Experian and XXXX the FCRA. 

Fraudulent Accounts : XXXX XXXX XXXX Account Number : XXXX I am requesting this account be removed immediately under the FCRA XXXX specifically 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681 ( 5 ), and 15 USC 1681c ( c XXXX. As per Law 605 B, this fraudulent account should be removed from my credit reports. Yor company has been sued by the CFPB ( case name ) " Consumer Financial Protection Bureau v. Experian Infromation Solutions , Inc '' ) The lawsuit highlights Experian 's failure to conduct proper investigations and remove or reinsert errors on consumer credit reports. It is very important that your company address this matter. I am requesting a prompt investigation of this matte and the removal of this account as mandated by the FCRA. 

Furthermore, As of XX/XX/2025, the Consumer Financial Protection Bureau ( CFPB ) The ruled that Medical Debt will no longer report on consumer credit reports. CFPBs action will ban the inclusion of medical bills on credit reports used by lenders and prohibit lenders from using medical information in their lending decisions. The rule will increase privacy protections and prevent debt collectors from using the credit reporting system to coerce people to pay bills they dont owe. 

PLEASE CONDUCT A PROPER INVESTIGATION AND REMOVE THE MEDICAL COLLECTION 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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. The above inaccuracy is stopping me from being able to acquire a loan to buy a home.
Product: Mortgage

Once again, Mr. Cooper has continued to research and find answers to our question regarding our loan. Because of this reason, we have now uncovered the beginning of this ordeal, starting from XXXX. Where apparently the loan became pass due : We have received the arrearages/past and a due letter of explanation. Thank you. However, we could not follow what happened with two payments of {$1200.00} on XXXX and XX/XX/XXXX? After researching, the arrearages which reflect XXXX payments and not any discrepancies post-BK which was deemed paid up to date. According to our notes, we requested modification during the start of XXXX. We are requesting an itemized statement to account for a balance of {$15000.00}. As of todays date XXXX, with the help of the representative from Texas ligation/financial help department, we are requesting modification aid and we are appealing the recent 6.85 % interest rate. As a result, the modification documents due XX/XX/XXXX should be voided. Mr. Cooper has responded over the phone the interest rate of 3.85 % was an error and could not be granted. Furthermore, we were told this could not be granted because we were already delinquent when XXXX suffered a flooding disaster.
Product: Credit reporting, credit repair services, or other personal consumer reports

This morning I discovered an authorized transaction from TransUnion. They withdrew XXXX from my checking account. The transaction stated TU*TRANSUNION XXXX XXXX I called them and they routed it me many times to different people. Each were asking social security number and birth date. They said they were going to refund me but their transaction caused me to overdraft. I looked online and this has happened to many people. I eventually was routed to fraud department and they said the number listed on the transaction is an old number. They said they put a fraud alert and security freeze but it is ridiculous that this happens with this particular company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXDate of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit card

I made a purchase for pillows from XXXX  which advertised 30 day money back guarantee. The pillows made my body feel worse and in pain. Each time I reached out to the merchant to send me a label they never responded by email or phone. I contacted capital one to dispute the transaction. Capital one closed the disputes in the merchant favor and did not send me correspondence about the dispute or advised me to do anything after opening the disputes with a agent over the phone. The merchant waited until the last moment to respond to the dispute stating i got my merchandise. The issue is not getting my pillows but instead the guarantee the merchant is false advertising. I submitted all documents of calls and emails to the merchant as well as the merchants advertising and no update and case still closed
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized hard inquiries on my credit report. I sis not authorize the following inquiries : GLOBAL LENDING SERVICES LLC on XX/XX/year>XXXX XXXX XXXX XXXX XXXX on XX/XX/year> XXXX XXXX XXXX XXXX on XX/XX/year> US DEPARTMENT OF EDUCATION on XX/XX/year> These inquiries were made without my knowledge or consent, they are negatively impacting my credit score. I request that you investigate this matter and remove these inquiries from my credit report. You will see attached a copy of my credit report as well as a copy of my FTC Identity Theft Report.
Product: Credit reporting or other personal consumer reports

I am writing to address several issues I have discovered with my credit report and to request immediate action to correct inaccuracies. Below, I outline my understanding based on various legal references and my specific requests. 

1. **Loan Legality and Social Security Number Request** : - According to 12 USC 1431 , banks are considered borrowers themselves and therefore, should not be permitted to loan money. 
- Per 42 USC 408, it is illegal to request my Social Security Number for any credit transaction or loan. This is compounded by the fact that HJR-192 suspended the gold clause, meaning there is no lawful money, only a means to discharge debt. 

2. **Consumer Rights and Debt Discharge** : - Under 15 USC 1602 ( g ), consumers are recognized as creditors. UCC 3-104 details the nature and use of negotiable instruments.

- Additionally, 31 USC 5118 permits the discharge of all debts. A charge-off should be treated as a certificate of indebtedness and must be removed.

3. **Inaccurate Credit Reporting** : - It has come to my attention that my credit reports from XXXX, XXXX, and XXXX contain discrepancies and inaccuracies. Specifically, the information on these reports does not match across the agencies and includes incorrect data about my credit history. 
- Reporting transaction history that is not accurate is illegal under the Fair Credit Reporting Act ( FCRA ).

4. **Specific Requests** : - I kindly request that none of my credit card accounts be closed. Instead, they should be updated to reflect " Paid as agreed, never late. '' - All inaccuracies and discrepancies in my credit reports must be corrected immediately. This includes updating any accounts to accurately reflect my payment history and removing any incorrect or outdated information. 

I expect prompt action on these matters. Please confirm receipt of this letter and the steps that will be taken to rectify these issues. I trust that you will handle this request with the urgency it warrants. 

Thank you for your attention and cooperation. 

Sincerely, [ XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Our check payment was purposely held up by Sun West Mortgage Company to be able to prematurely report us as 30 day delinquent and prevent us from refinancing with another mortgage company. Our mortgage is due every XX/XX/XXXX of the month. This XX/XX/XXXX we mailed our check on the XX/XX/XXXX to Sun West 's XXXX Ca Office. Mail should not take more than 5 days for our payment to get to them as we also live in California. On XX/XX/XXXX, a 30 day mortgage delinquency report was filed to the three credit bureaus which led to the credit score of my husband to drop by more than 100 points. Please note that XX/XX/XXXX is only the 29th day from our due date. We were trying to refinance with another company since Sun West sat on our refinance with cash out application which we started XX/XX/XXXX. Sun West knew that we were trying to move, thus the malicious report. Initially, SunWest 's customer service confirmed to us via phone that they received our XX/XX/XXXX check payment on XX/XX/XXXX which means that we made it on the 30th day and we should not have been reported. The malicious report they did halted any chance for us to refinance either with them or any company for the next 12 months. . Based on FCRA Compliance, delinquencies are calculated based on the due date. The credit reporting options for reporting late payments does not include one for being 1-29 days late. This doesnt exist and any lender that attempts to report someone as being late before they are full 30 days past the due date is providing knowingly an incorrect information to a credit reporting agency. We begged them over the phone several times XX/XX/XXXX, emailed for reconsideration and wrote a formal letter requesting clemency on the delinquency report ( upon their advice ) only to find out that we have already been reported. All our pleadings were unheeded despite the fact that we are existing clients for almost three years now and have never been late in our payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I purchased a car at a XXXX dealership, which was financed through Nissan Motors Acceptance Corporation ), at the end of XXXX the car was in an accident and it was declared a total loss by the insurance company, which made a large payment through NMAC to cover almost the entire balance of the loan, there was a difference of {$1200.00}, which was negotiated down to {$330.00} and that was supposed to close the account satisfactorily ( NMAC claims that they have no record of this settlement in their system ) Instead the account was declared a charge off and has been reported as such for 3 years, I have unsuccesfully tried to dispute it several times and every time the account gets updated from bad to worst ) I disputed it again a few days ago and it was updated showing the following : XXXX, XXXX payments late as of this month and since XX/XX/XXXX. 
XXXX, reporting On time and Late payments after XXXX, even that no payments were made after XX/XX/XXXX. 
XXXX, no payment history reported. 

This malicious reporting has been a challenge for me and my family to obtain a home loan, especially with the 41 payments late reported, and causing unnecessary stress and harm, as well as countless hours of trying to communicate with someone at NMAC to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed several accounts with Equifax in XX/XX/XXXX. Upon supposed completion of the investigation XXXX  accounts were updated erroneously. XXXX is a closed and charged off account as of XX/XX/XXXX After investigating my report was updated to reflect charge off/late payments for multiple months all the way up to XX/XX/XXXX per FCRA section 623 a 1A and a1B this is illegal because I have informed them the information is incorrect and they are still reporting this information without correction. Also covered under FCRA 623 late payments and charge off are to be reported up to the date the account was closed and not after. XXXX XXXX is a closed and charged off account as of XX/XX/XXXX After investigating my report was updated to reflect charge off/late payment in XX/XX/XXXX per FCRA section 623 a 1A and a1B this is illegal because I have informed them the information is incorrect and they are still reporting this information without correction. Also covered under FCRA 623 late payments and charge off are to be reported up to the date the account was closed and not after. I also requested review of the account XXXX. This account is not reporting accurately and has since been deleted from my reports with other credit bureaus but XXXX did nothing. There is also collection account for XXXX XXXX XXXX in which I have disputed because this is not my account and they have provided no validation that this account belongs to me whatsoever I have never had any contract nor agreement with this company and they have not been given my permission to report anything whatsoever. Ive asked that this be removed and it still has not been removed.
Product: Checking or savings account

On Tuesday XX/XX/XXXX, around XXXX XXXX, I received a phone call from theIRS, who were apparently NOT the IRS, but scammers. In the ensuing 3 hours, thru a series of {$500.00} XXXX play cards, the scammers had defrauded me to the tune of XXXX. 
When I realized what had happened, I IMMEDIATELY called both XXXXXXXX XXXX ( credit cards ) and Wells Fargo ( checking account and credit card ). XXXX immediately reversed the charges, but Wells Fargo, though they took my report, did not reverse the charges, allowing what were pending transactions that same day to posted transactions the next days. I had notified Wells Fargo 30 minutes after the scam was done. I talked to rep on the phone ( claim # XXXX ) They told me they had frozen the accounts, but in fact, sat on their hands the whole day, tho I had reported it 30 minutes after I realized it was a fraud. 
In contrast, XXXX immediately that day put a stop to the charges. I even went into a local branch of wells fargo and saw the pending status of the charges, tho I had reported it immediately after the fact, hours before. 
My complaint is that Wells Fargo sat on their hands the whole day, allowing the items to post, rather than immediately putting a stop to the charges and contacting XXXX about the fraud. So, in addition to the scam, I have to deal with Wells Fargo putting it into their fraud and complaint dept, rather than dealing with it as soon as I reported it.