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

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2020, my credit card company notified me ( via text notification ) that my credit score had dropped. When I logged in I saw that XXXX showed a hard credit inquiry from the same day for " WF Equipfinance msg ''. After trying to find out who that was and determine that it is Wells Fargo equipment financing in XXXX, I contacted them. After hours of being bounced around I finally spoke to someone who, quite frankly, acted like I was a pain in her side, as opposed to the other way around. I gave her my name, my social, my business EIN, address, etc. and NOTHING shows up from their end. She said there is no account, application, etc. I spoke with XXXX and they won't do anything because they say that WF Equipfinance msg shows a legal right to pull the report. Both point fingers at each other but there is no account, no application ; I have never applied for equipment financing through this company. I need this hard inquiry removed from my credit report.
Product: Money transfer, virtual currency, or money service

XXXX XXXX convinced me of a passive income opportunity on XX/XX/2023. XXXX stated he and his partner, XXXX XXXX, would manage my next step funded account and I would receive a passive income payout of $ XXXX {$4000.00} monthly. The initial investment cost was {$4500.00} and he claimed I would receive my entire return on investment within 90 days. After my return was not received, I started to inquire with XXXX and each time there was a new excuse of why the payment was not received. He also strongly encouraged me to get an LLC for tax purposes, which the initial cost was {$800.00}. He put me in contact with someone to set it up, come to find out, I did not need an LLC and now to dissolve the LLC and not be penalized for not maintaining it, I had to pay another {$340.00} to dissolve it. 

After getting in contact with a few of the other investors that were scammed its looking like this is turning out to be a ponzy scheme run by XXXX XXXX and XXXX XXXX. 

There was an SEC filled on XXXX XXXX with multiple individuals who were affected as well. ( Attached is the stamp document ) Theres an on going criminal investigation currently on the situation with XXXX XXXX. 

I requested a fraud claim through my personal bankin ( Bank of America ) and they denied the claim. 

Please help me resolve this issue.
Product: Mortgage

On XXXX XXXX we refinanced our home with XXXX XXXX. Both XXXX XXXX  and our previous lender paid our property taxes that were due XX/XX/XXXX. 

XXXX XXXX  payment was processed first so the check from Caliber Home Loans would be refunded back to Caliber and then back to me as an escrow refund. 

I called in XXXX to find out the status of the refund and hit a brick wall. No refund was issued but they said to keep an eye on it. Calling every two weeks through today, XXXX XXXX and there is still no refund in sight. Frustrated I emailed my county tax commissioner who stated that not only have they issued the refund but the check to XXXX XXXX ( part of Caliber ) but XXXX XXXX cashed the check on XXXX XXXX. This was a bulk refund that included several hundreds of thousands of dollars. Caliber continues to claim theyve not received it even though they cashed it. 

I continue to be told that there is a finish date on my account for XX/XX/XXXX and that they will continue to investigate where the check is. 

The check is sitting in their account earning interest on money that doesnt belong to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you and I am expecting an immediate action
Product: Payday loan, title loan, or personal loan

This is about an INSTALLMENT LOAN, Maturity loan for the amount of {$48000.00} approx. My loan was dated from the year XX/XX/XXXX. I have been paying {$410.00} totaling 12 years X 12 months = 144 months, 144 X $ XXXX= {$59000.00} up until XX/XX/XXXX. However, my balance for INSTALLMENT LOAN still shows {$38000.00} approx. 
I received a call from 5/3 bank XXXX XXXX XX/XX/XXXX, stating if you will not pay your outstanding amount your house will go for FORECLOSURE, we will take legal action against you. When I asked them I have already paid {$59000.00}, how come the balance of loan amount is reduce by {$10000.00} and interest on that loan amount is 9.46 % please let me know what is going on? On XX/XX/XXXX I  went to the branch office near XXXX and XXXX in XXXX, ILLINOIS XXXX at XXXX XXXX. I asked the banker XXXX XXXX for contract and calculation for my loan amount, she refused to give me the copy of loan contract she said is not printable, XXXX XXXX showed me on computer screen that {$48000.00} LOAN AMOUNT+ {$76000.00} INTEREST in 25 years, They did not answer me and have harassed me to see foreclosure. I am taxi driver in XXXX, Illinois. I humbly request you to look into my matter. I have never been behind in any payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I wrote to Experian to have them update/correct my personal information that they have on file. As of XX/XX/2018 they refuse to remove incorrect information from the files they have on me. This is a clear violation of the FCRAs. These same false address are still appearing on my file as of XX/XX/2018. Please have Experian remove these addresses ASAP. 


Again please have them remove all other addresses and names other than stated above.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

All of my student loans were paid in full without ever having a payment plan. They were paid in full from my personal earnings in XX/XX/XXXX. However, during Covid-19 Pandemic protection requirements, payments were deferred in XXXX through XXXX. The Department of Education shows my XXXX student loans XXXX late XX/XX/XXXX, and XXXX late XX/XX/XXXX. These late payments were posted even though all student loans nationally were deferred during these months. Accordingly, I am within my rights for these late payments be deleted permanently. DELETE THESE LATE PAYMENTS!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to challenge the inclusion of inaccurate and faulty accounts on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any incomplete or incorrect information on my credit report. After reviewing my credit report, I have identified multiple accounts that contain inaccurate or false information. The accounts in question are : XXXX XXXX  XXXX Balance Owed : {$750.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1400.00}. I am requesting that you investigate this issue and correct any inaccuracies that you discover, in accordance with Section 611 of the FCRA, which mandates that credit bureaus investigate disputes within 30 days of receiving them and correct any inaccuracies found. Additionally, Section 609 of the FCRA requires credit bureaus to provide consumers with a free copy of their credit report if their dispute results in a change to their credit file.
Product: Credit reporting or other personal consumer reports

I noticed several addresses that were not correct on my credit report XXXX TransUnion XXXX all can not provide proof I ever lived at that address I demand immediate removal. Or I will seek commercial liens against all 3 bureaus for violating fcra 15 usc1681 and violating 18 usc 242. I have recordings of XXXX bypassing fcra. With blatant refusal. All 3 bureaus are acting as cabal in concert to keep poor consumers in bad situations.. and I will not settle for anything less than the max. There is inaccurate information and I do have a fraud alert on my account... I will be sending each agency a Notice of intent to lein if not removed immediately.
Product: Money transfer, virtual currency, or money service

Between XX/XX/2023, I fell victim to a multi-layered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Bank of America account to a fraudulent investment firm ( s ).
Product: Mortgage

XXXX XXXX is currently in mediation with XXXX XXXX. The homeowner received the LM copy on XX/XX/2018, and once I received this, I sent to all mediation parties. 

The homeowner was the one that gave me a copy for everyone. Since I reviewed the first page, I noticed the XX/XX/2018 deadline. I asked XXXX XXXX for an extension since the deadline is only 1-2 business days from when we received it! 

The Attorney from XXXX XXXX said they couldn't give her an extension on deadline to send final mod back. The Attorney responded " This is not a servicer requirement but HUD/FHA. I will pass your request along, but I recommend not relying on extension. This needs to be priority. '' ( So the deadline to get a Notary, review all terms in this final mod and make sure it looked okay, talk to her Housing Counselor ( me ), get any questions answered, and send back XXXX was XX/XX/2018. This also required her to make the XX/XX/2018 Modified payment by then. There was no discussion of a grace period date after I asked them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, Original Creditor : Original Creditor : Collection XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX, add a derogatory mark on my credit report per Score sense. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency and Credit Reporting Agency Names are violating my rights as a consumer and I'm requesting legal action to remove this account 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 XXXX has violated my rights. 

I was looking at my Transunion Credit report on XX/XX/year> and noticed several inaccuracies. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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.
Product: Money transfer, virtual currency, or money service

I was to receive a social security XXXX back pay check and the bank account information that was on my application was with my ex husband and closed/charged off. the social security office told me that since it was closed it would be rejected and bounce back to them then it would take a few more days but they would send me a paper check. 
My local branch would not except it so the XXXX  XXXX branch took it upon themselves to and when they did they force reopened the account and took the money they were owed then turned around and told me that their back office said standard practice was to send a check for the remaining amount of money to the primary account holder. So they took my Government XXXX check took all my information that it came in off and sent it to my ex husband at an address that was never even on the account. They also told me they didn't know where the transfer came from because it only had my social security number on it and that's a lie I have a print out from my branch and it says SSA TREAS XXXX XXXXSOC SEC XXXXthe last 4 numbers of my social security number then SSA. I tried talking to the Assistant MGR her name was XXXX XXXX and the Branch MGR XXXX XXXX they told me it was my responsibility to get my ex husband to give it to me willingly??? 
XXXX XXXX XXXX XXXX XXXXt. XXXX Pa branch phone number XXXX XXXX email XXXX XXXX
Product: Checking or savings account

My account is never up to date my bank info is never correct can you please fix this asap
Product: Debt collection

XXXX XXXX XXXX Listed as original creditor. I have contacted the company asking for proof that I have did business with them directly and they have failed to provide this information. I have also notified all three credit bureaus and are demanding this false information be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a hard inquiry on my XXXX XXXX report on XX/XX/2019 that is incorrect : XXXX XXXX XXXX This is the institution that was said to have made it, I called them and they said that they did not do it. 

Institution Information Syncb XXXX, FL XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/ I reported inaccurate collections from XXXX XXXX XXXX XXXX XXXX to Equifax. The transaction was not removed and remains on my credit report. 
XX/XX/XXXX  I reported inaccurate collections from XXXX XXXX XXXX XXXX XXXX to Equifax requesting that this transaction be removed from my credit report. Dispute # : XXXX via telephone to agent named XXXX. This will be my second time making a complaint about the transaction. I received an email stating that I can check the results of my dispute however, the only information that is given is the status of the complaint but not the actual results of the dispute. There is on pdf file attached displaying or explaining the results of the dispute. Additionally, the website www.equifax.com states that you can view the XXXX however, the website just loops you back to the view dispute status page. The transaction was not removed and remains on my credit report. They also told me that they would not reivestigate this transaction. 
XXXX I requested validation versus verification of the debt as I don't have a contract, have never had a contract and don't owe XXXX XXXX XXXX XXXX XXXX This information has not been provided to me. 
XXXX Making an official complaint with CFPB.
Product: Vehicle loan or lease

My State ID and Social Security Card was stolen from the year of 2018 any account and Vehicle under XXXX XXXX XXXX ( XXXX XXXX ) under Social security number XXXX please close terminate foreclosure all services. You may contact me XXXX XXXX XXXX
Product: Mortgage

I own 2 investment properties in Hawaii which are used as vacation rentals, both of which are financed through LoanDepot. Due to Covid I have not been able to rent the units. For several months I paid the mortgages timely. Finally I had to request forbearance on both loans. I continued to pay the escrow ( taxes and insurance ) on both with no problems. 30 days ago the problems started. I called like usual and started getting the run around. It took 2 hours to get someone to apply my payments. I then discovered today that the payments were not applied as requested and agreed upon. After an hour on the phone again today, my payments remain misapplied and Im still unable to make payments on the escrow accounts. Collections will not process my payments, they transfer me to customer service. Customer service wont process my payments, they transfer me to collections. Its the most frustrating and bizarre thing Ive been involved with when trying to make a loan payment on an escrow account. Im trying to keep my escrow accounts current so at the end of forbearance its more palatable to try to bring the accounts current by only owing the principle and interest. A manager/supervisor was supposed to call me this evening to get this resolved but never did. This is the second month with the same problem anyway. Someone further up the food chain needs to address the game playing and put an end to it. Its a systemic problem. Having financial difficulty due to Covid is more than frustration enough without having to deal with manipulation or ineptitude by a lender in addition.
Product: Credit reporting 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 ITEMS. 
XXXX XXXX XXXX XXXX XXXX : {$3700.00} XXXX  XXXX XXXX Balance : {$3700.00} XXXX  XXXX XXXX Balance : {$2600.00} XXXX XXXX  XXXX XXXX XXXX : {$5300.00} XXXX XXXX XXXX : {$1200.00}
Product: Checking or savings account

I have had approximately 75 ACH transactions from my employe to USAA without a single hold. I have many USAA products such as Credit Cards, Home and Auto Ins, etc. All of my bills to them are due in the second half of the month. Today, XX/XX/17, they held my ACH transaction for 7 days and will collect a late fee on every product I have even though they have my money. Seems very unfair and deceptive to charge a late fee when they have my money.
Product: Debt collection

The debt collection agency, Central Financial Control is attempting to collect on a medical debt in the amount of {$560.00}. This agency is not Licensed to collect in the state of Nebraska per the Secretary of State. This company is also in violation of my HIPPA rights ; as I did not authorize them to obtain any of my medical records. I have tried to rectify this with the company directly, but have been unsuccessful.
Product: Credit reporting or other personal consumer reports

I acknowledge the effort made to delete some fraudulent entries from my file, yet there remain unresolved items derived from alleged fraudulent activities that urgently need attention. This marks my third formal complaint asserting my victim status regarding fraudulent activities, and I am disputing specific entries within my file stemming from this crime. The disputed items have no connection to any transactions involving goods, services, or funds made or authorized by me. I request the removal of these entries from my credit report, as they are inaccurately attributed to fraudulent activity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These items are unfamiliar to me, and their deletion by other bureaus raises questions about their accuracy. The reported history of these items remains unclear to me. As per the Fair Credit Reporting Act ( FCRA ) 605B ( c ) ( 1 ) ( C ), there is authority to decline or rescind such entries.
Product: Mortgage

I sent my delinquent mortgage payment to XXXX XXXX mortgage in the amount {$2600.00} my check was returned by XXXX XXXX and they have set a mortgage foreclosure sale date for XXXX XXXX, 2019. I have sent a request to the mortgage company for a mortgage modification to save my home and stop the foreclosure sale. Letter received from foreclosure attorney was dated XX/XX/2019 and I did not receive the letter until XX/XX/ 2019, 30 days notice was not received before sale date. Researched on the computer Tennessee code says I'm suppose to receive notice at least 30 business days before foreclosure sale. My mortgage company has changed a lot of times but I have not received papers stating who owns my mortgage or if the servicing was assigned to a new owner of my mortgage.