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

This is an official victim statement regarding two electronic wire transfers for a XXXX XXXX XXXX. The vehicle was to be purchased through an online auto broker viaXX/XX/XXXX. The direct link to the vehicle can be found at https XX/XX/XXXX. To minimize being victimized by fraudulent activities, I conducted a thorough investigation on the seller. It was discovered the business was registered with the Secretary of State, had a valid LLC, and had a XXXX rank with the online scam reporting system. Additionally, multiple telephone conversations and emails eliminated any suspicions of fraudulent activities. Given this information, I felt comfortable moving forward with the purchase of the vehicle. 
On XX/XX/XXXX, I completed a loan application with XXXX XXXXXX/XX/XXXXXXXX, SC. The loan officer requested a Bill of Sale from the seller via phone ( XXXX ) XXXX. In turn, the seller requested proof via email ( XXXX ) of the wire transfers prior to scheduling the shipment of the vehicle. Bill of Sale was received and the receipt of two wire transfers 1 ) {$16000.00} and 2 ) {$35000.00} was sent via email to seller on XX/XX/XXXX. 
I, the buyer, was informed by the seller via phone, that the vehicle would be delivered on Monday XX/XX/XXXX. 
On the morning of XX/XX/XXXX, I was unable to contact the seller. I diligently began researching further. This continued research led me to a gentleman by the name of XXXX XXXX who lives at the address listed on the sellers website. XXXX XXXX 
XXXX informed me that he has been receiving multiple calls from similar callers which led him to the discovery of identity theft. XXXX XXXX informed me that he has reported this to his local Sheriffs Department ( XXXX XXXX, SC ) as well as the FBI. XXXX XXXX emailed me a copy of his police report which validated he was not associated with the fraudulent website. 
On XX/XX/XXXX, I filed a police report with the XXXX Police Department as well as an FBI report. Additionally, XXXXXX/XX/XXXXissued a reversal on both wires. 
On XX/XX/XXXX, I was informed by Detective XXXX XXXX with the XXXX Police Department that a warrant for the receiving bank records had been issued. 

I am happy so share all emails exchanged with seller as well as police and FBI reports. Should you have any questions, feel free to contact me at any time.
Product: Debt collection

XXXX XXXX at XXXX XXXX XXXX called me at work about a debt his company bought from XXXX XXXX. It 's the first contact I 've had with them. I do not know if this is legitimate, but being called at work is unacceptable.
Product: Credit card

This is my second complaint that I am filing against Bank of America. My original complaint # XXXX, for reference. I am only filing again, because this original complaint is NOT complete but has been closed, so I am not sure if it will be resolved without filing this new complaint. I am filing again to make sure it is corrected, since BOA does not return my calls. The charge/fraud claim in question is a {$99.00} charge from XXXX XXXX XXXX XXXX my card ending in XXXX, on XX/XX/XXXX. I received a temporary credit on XX/XX/XXXX of {$99.00}. On XX/XX/XXXX, the {$99.00} temporary credit was reversed, and I have a letter dated XX/XX/XXXX and my bank statement to prove it. On XX/XX/XXXX I was given a direct contact at Regulatory Complaints of Bank of America to help with my fraud case. I have left 4 voicemails since that date, and have NOT ONCE received a call back. Earlier this month I received an emailed survey from BOA asking about my experience, and I took the time to respond honestly. I received an email back on XX/XX/XXXX stating that they would look again at my fraud claim. But, on XX/XX/XXXX I received correspondence that my fraud claim has been " completed '', and temporary credit provided to me back in XXXX was now " permanent '', case closed. This is untrue. If BOA was thorough in looking at my case/account, they would see that the temporary credit I received from them was reversed on XX/XX/XXXX, and I have yet to be reimbursed for that.
Product: Checking or savings account

I just got a direct deposit today XXXX XXXX and when I transferred my money on Dave App I cant login nomore they took my money
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an personal credit card account ( XXXX XXXX  Account number : XXXX ) that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/XXXX and XX/XX/XXXX I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX homeless n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXXXXXX XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several times with the 3 major credit bureaus. XXXX, XXXX, and Experian. 

I disputed XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, as well as XXXX XXXXXXXX. I have informed them several times that these accounts were not mines. I even sent in a police report as well. They did not respond. I also reached out to the creditors as well and I was informed that they found the accounts to be fraudulent. The credit bureaus have still refused to delete these items. I need these items deleted as soon as possible. 

Also I have contacted them with the over and abundance amount of inquiries on my reports that I did not authorize or even do myself. I need them removed.
Product: Student loan

I am full class XXXXXXXX XXXX XXXXXXXX. I received a letter from the FSA stating how my loans for attending XXXX XXXX  would be discharged since I had BD claim pending prior for XX/XX/2022. I received refunds of all the payments Ive made on my loans. My loans kept being switched from forbearance to repayment several times when the COVID pause ended. They are currently back in repayment and Im getting late payment notices. I filed a complaint with FSA and XXXX. I have sent several message to MOHELA and have called there too. They said they can not do anything until they are notified by FSA or DOE.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I sent a formal dispute letter to Equifax regarding the inaccurate reporting of an account from XXXXXXXX XXXXXXXX XXXX. In this letter, I outlined several critical issues that warrant the immediate removal of the account from my credit report. 
Furthermore, the company responded stating that they would notify the CRA 's to remove this account and cease collection ( letter attached ). Both XXXX and XXXX have already removed this account from my credit report, acknowledging the issues raised in my dispute. Despite notifying Equifax of these inaccuracies over a month ago, they have yet to take corrective action. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), Equifax is required to ensure that the information reported is 100 % accurate. Given these violations, I am requesting the CFPB investigate this matter and ensure that Equifax promptly removes this inaccurate account XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX On Report The Name ( XXXX XXXX XXXX ) should be removed from report. Fraudulent Name Please Remove From Report In accordance with the Fair Credit Reporting act. 15 USC 1681 The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXXXXXX XXXX XXXX  : Account XXXX XXXX XXXX : Account XXXX XXXX XXXX  : Account XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX Account XXXX XXXX  : Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Account XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX  : Account XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX : Account : XXXXXXXX XXXX XXXX : Account # XXXX The Following Inquiries I Dont Recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXXXXXX XXXX Texas, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These Accounts Are Not Accurate And Have Been Reported Causing Me Many Issues. 

Please Correct And Investigate The Following Accounts Within The 15day Or Less Time Frame. 

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 Please Remove According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than XXXX. 

Thanks
Product: Mortgage

XX/XX/XXXX Keep your Home California had approved to reinstate me. 

I had requested a re instatement quote from XXXX dated XX/XX/XXXX for the amount of {$52000.00} that was good thru XX/XX/XXXX. 

Keep your Home California requested their 's about 2-3 days later since they were ready to re instate and need to request there own. There re-instatement amount was {$72000.00}. 

How Is it that XXXX Provided Two Reinstatement Amounts within the same dates yet {$20000.00} more to keep Your home California Knowing that Keep Your Home California max re instatement assistance is {$54000.00}. 

I then contacted XXXX, which told me that they would accept the {$52000.00} from me if I made a payment in the {$52000.00} amount by XX/XX/XXXX but would not take that amount from Keep Your Home California. 

Keep Your Home California said they would pay the {$54000.00} if I could show proof that I paid the {$20000.00} difference which I was more than ready too. 

XXXX told me that they would not accept two separate payments, they would not accept {$54000.00} from Keep Your Home California and the {$20000.00} from me. 

XXXX changed the amount of the re instatement in order to proceed with the foreclosure, they refused to allow me to cure my past due amount. 

I just submitted a modification on XX/XX/XXXX and as of XX/XX/XXXX they have said it is a complete packet yet continue with foreclosure instead of putting it on hold to review application ( dual Tracking ). 

I have submitted several modification applications which have been denied. Now they are telling me my loan has no options available. When I ask why they are telling me they can not offer me a lower payment. I am not looking for a lower payment I could pay double the payment I have told them that since the beginning. 

why would a XXXX refuse to take the full reinstatement amount. why did XXXX not want to separate payments what reason do they have not accept money beside wrongful foreclosure. 

XXXX PHH have done everything to set me up to have no other option but to foreclose on my home because they know my home is in a desirable area and is worth more than what I owe them. they are attempting predatory foreclose on my home for there gain.
Product: Checking or savings account

On XX/XX/XXXX I had {$6500.00} withdrawn from my discover savings account to XXXX XXXX XXXX collection. I did not make this charge and it was unauthorized.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN : IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 UNDER A SECTION 2, IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER15 USC 1666B,. A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN FOR ANY PURPOSE.

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715.719. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.

I AM WRITING TO DISPUTE THE FOLLOWING INQUIRIES, COLLECTIONS AND DEROGATORY MARKS ( STATED BELOW ) ON MY ACCOUNT. I DID NOT APPLY FOR ANY FORM OF CREDIT ( S ) AND/OR ACCOUNTS PERTAINING TO ANY OF THE FOLLOWING COMPANIES STATED BELOW. PLEASE REMOVE SAID ACCOUNTS IMMEDIATELY UPON RECEIVING THIS LEGAL DOCUMENT.

THE FOLLOWING ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX  PER THE FCRA, AS A FEDERALLY PROTECTED CONSUMER, I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVEN, YOU WRITTEN OR UNWRITTEN VERBAL AND NONVERBAL PER 15 USC 6802 -6805.

DISREGARDING THE FOLLOWING INSTRUCTIONS IS A VIOLATION OF FEDERAL LAW AND WILL RESULT IN SUBSEQUENT COMPLAINTS FILED AND PROBABLE SECURITIES FRAUD PERSECUTION VIA THE FDIC.
Product: Mortgage

It is quite obvious based on our dealings with this individual XXXX XXXX of TD Bank Commercial Lending that he is discriminating against me as a very well qualified individual for a commercial mortgage for XXXX XXXX XXXX XXXX, after wasting more than weeks of our time, escalating documents required, when we have perfect credit, a thriving business even during coronavirus shutdowns and race riots, etc. He has insulted us, talked down to us, and denied us a mortgage even without presenting us a formal letter based on objective criteria, simply because he " can. '' I am certain he approves similarly situated white men and XXXX men under similar circumstances, all of the time. Please investigate and advise.
Product: Debt collection

FCRA st ates information reporting has to be 100 % verifiable and 100 % accurate and otherwise the information must be removed under the Federal law. ALLIED INTERSTATE LL has been reporting unverifiable and inaccurate information on my credit which has damaged my  credit and I intend to litigate if they do not remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX still shows a balance of XXXX on my credit thats really affecting my credit. the date showing that it was open XXXX XXXX-2017 i even fix my credit in the past so for no reason it should be showing. But it even show charge off Im hoping we can get this resolve so I can see a improvement on my credit because of future purchase that Im planning to make this would help me a lot.
Product: Credit reporting, credit repair services, or other personal consumer reports

I logged onto Transunion to get my free credit report I got but the report but I am noticing recurring charges that I did not sign up for. 
I was charged {$24.00} on XX/XX/2019 and now {$24.00} on XX/XX/2019. 
I tried logging into my account but I am now blocked for some reason and no luck with calling in. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX XXXX XXXX XXXXXXXX .... Balance : {$8500.00} ; THE XXXX XXXX XXXX XXXX. Balance : {$290.00} ; XXXX XXXX XXXX XXXX. Balance : - ; XXXX XXXX XXXX XXXX  XXXX CA XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX ; XXXX XXXX WY XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX
Product: Debt collection

When I was residing in XXXX, Alaska in XXXX I had been taken by ambulance from XXXX XXXX to XXXX XXXX. While the Dr was tending to me my fiance ' provided the billing department with my Drivers License as well as my XXXX card and XXXX XXXX card. I am 100 % XXXX and have been since XXXX, however the ER Dr 's office did not file under my insurance within the twelve month period they have to file under. More than a half dozen times in the past two years I have filed a dispute via XXXX and every single dispute has come back in my favor as being correct insurance information had been given to the hospital billing department in XXXX, Alaska on the date that services were rendered. However, everytime Cornerstone Credit Services LLC is forced to remove this collection, they turn right around and file against my credit file again. They are absolutely ruining my credit and preventing my fiance ' and I to be able to proceed with the process to purchase a home for us and our children.
Product: Credit reporting or other personal consumer reports

There are inaccurate inquiries on my transunion credit report that do not belong there : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021, XXXX  removed the XXXX  bankruptcies that were reporting on my credit file due to not being to able to verify it. A letter was sent to the court asking to please provide the procedure they use to verify records with the credit bureaus, the clerk of the court replied that they do not report or verify any information to any thirds party or credit bureaus. This letter was sent to all XXXX  credit bureaus, XXXX removed the XXXX public records but transunion and XXXX did not, it is very clear the court does not report to them or any credit bureaus, so their original response stating that the item was verified was either an error or a lie. Either way their reporting requirements do not comply with the FCRa law. If XXXX  removed it because they could not verify the information, how did transunion and XXXX do it? Please provide the documents or information with the person you spoke to or used to verify
Product: Debt collection

I opened a credit card with walmart/ GE Money bank in XXXX and it is now XXXX. I stopped making payment in XXXX and have not sent in a payment since. It shows on my credit history i made a payment of XXXX dollars when i never did. I 'm not sure if this company that sent in a small payment to keep my account open but now i am receiving letters that i owe the XXXX and that my account wo n't be taken off my credit till XXXX. That is a 9 year span of time when it should have been removed a year or 2 ago. XXXX ( XXXX ) XXXX seems to have my account open and i need this to be removed due to the fact it 's legally been over the 7 year mark. Thank you so much and i hope i can get some advice on what steps i need to take.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX and XXXX credit reports I have had 4 hard inquiries from two different companies. Both companies inquired on XX/XX/XXXX  and again on XX/XX/ these were not requested by myself. The listed phone number for FEBDESTINY has been disconnected, and the number for CB INDIGO only asks that i input my SSN # The hard inquiries were from the following companies/individuals. 

FEBDESTINY Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Phone ( XXXX ) XXXX Inquiry Type Individual CB INDIGO Location XXXX XXXX XXXX XXXX, OR XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Please let me know what the next step is or the outcome because these have been substantially lowering my credit. Thank you