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

I was a victim of identity theft. There are inquiries on my XXXX, XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or credit management

I applied for a loan Consolidation with Lendvia on XX/XX/XXXX via XXXX XXXX XXXX. 

I received a call from Lendvia on XX/XX/XXXX but I missed the call. Later XX/XX/XXXX Lendvia left a message and called back. The lady and I discussed the loan. She offered some loans, but I disagreed with her. She referred my loan to another loan company, XXXX. I signed the loan. 

I assumed Lendvia would not call me until XX/XX/XXXX at XXXXXXXX XXXX ( XXXX  time ) I got the call from Lendvia robot on XXXX XXXX ( 5 times ) XXXX ( 3 times ) XXXX, XXXX, XX/XX/XXXX ( 3 times ) XXXX ( twice ) XXXX and XXXX. 

I called back to ask them to remove my numbers from the list 7 times, 4 or 5 times they hung up on me. other said they would remove my numbers. On XX/XX/XXXX I called back and told please remove my number and warned them I would call FCC. Still received the calls on XX/XX/XXXX ( twice ) XXXX and XXXX. Even though I blocked all different numbers, still keep calling. That was the most annoying call I ever had in my life. 

Note I am deaf. I used the XXXX XXXX XXXX, XXXX XXXX. 

I even left the negative feedback.
Product: Credit reporting or other personal consumer reports

I sent my FTC report and Sate identification to XXXX, XXXX and Equifax. They are reporting fraudulent accounts on my consumer report.
Product: Money transfer, virtual currency, or money service

Tried to submit a little earlier. Had password problems.This is the 2nd time in two months that I have been blocked by someone.I was sending $XXXX  to a friend in XXXX.  Yes I know them and have previously sent small amounts of funds.  Then in XX/XX/2019 I was blocked by someone thru Western Union, XX/XX/XXXXand XX/XX/XXXX counter on international wires.Submitted a complaint to Western Union and CFPB.  CFPB sent me a update on XX/XX/XXXX  Showed that I was not blocked by Western Union.I went to wire $XXXX to XXXX at XXXX XXXX in XXXX XXXX Texas this morning.Read out a refusal code of XXXX XXXX.Could not send funds as needed.
Product: Money transfer, virtual currency, or money service

Coinbase have a strict rule against cryptocurrency that comes from gambling sites, TOS aside they can not remove what is my personal investment, however they did take them, delete my account and then claim the funds never existed, even after I'd provided them with proof of said claim. 

On the XXXX XX/XX/ 2024 I had withdrawn my winnings from the XXXX XXXX to Coinbase, the second the XXXX crypto transaction, XXXX, had reached Coinbase I'd received an email stating that my account was being suspended due to 'suspicious activity & breaking the TOS ' but just below this email there was a button attached that said 'Recover your funds ', straight forward I'd thought, tough but fair, however when I'd logged in to recover my funds I was shocked to find that my account had been permanently deleted, alongside the funds within my account. No issue, I'll contact Coinbase support, or so I thought, I was promised a wait time of no longer than 4 weeks, there was no rush, I could wait ; however after 4 and a bit weeks I was shocked to find that I'd still had no response, so I followed up, to be told to wait again, when I'd took to their XXXX with the same issue, I was once again informed that I'd to wait. I've now been waiting a little over 7 months with no response other than them stating that this transaction never took place.

My coinbase case ID is : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to thoroughly investigate and delete fraudulent accounts from my credit report. Equifax also takes longer than 30 days to investigate and delete fraud accounts from my credit report, under FCRA, if it takes a credit bureaus more than 30 days then by law, they suppose to delete and remove these fraudulent accounts. I have been filing disputes with Equifax since XX/XX/2017 on fraud accounts that I did not authorize or consent to. In return, this has caused me to not be considered for employment as well as display my credit worthiness. I will filing complaint as well as suing Equifax for allowing these fraud accounts to remain on my credit report. 

The following accounts need to be deleted and remove immediately because I did not authorize them : 1. XXXX Acct # : XXXX 2. XXXX XXXX XXXX Acct # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

under complaint # XXXX XXXXcomenity bank stated to c.f.p.b. that the accounts reporting to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$330.00} and # XXXX $ XXXX to be closed with non- monetary relief.The accounts remains to report, as of this date, this company was given extra time to take care of this matter, on XX/XX/XXXX XXXXthose are federal law forgiven debts and needs to be removed comenity bank need to be reminded of it respond of XXXX.or be sent to enforcement.sent by certified mail # XXXX, which includes 2 reports from XXXX XXXX, before the complaints and after the reporting of the above accounts
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against XXXX XXXX XXXX ( XXXX XXXX ) concerning a fraudulent account that has appeared on my TransUnion credit report. Despite having successfully disputed this fraudulent collection with XXXX, which has since removed it from my credit report, the same collection remains on my TransUnion report, causing undue harm to my credit standing. 

This account is not only fraudulent but also in violation of federal regulations, specifically XXXX CFR XXXX ( b ) ( XXXX ). XXXX XXXX has failed to provide accurate and complete information regarding the debt, thereby infringing on my consumer rights. 

To provide context and supporting evidence for my complaint : XXXX. **Fraudulent Account Details : ** - Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Amount : {$170.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Dispute with XXXX : Successfully disputed and removed from my credit report. 
- Dispute with TransUnion : Disputed but remains unresolved. 

XXXX. **Regulatory Violation : ** - XXXX CFR XXXX ( b ) ( XXXX ) : XXXX XXXX has not provided accurate information regarding the debt as required by this regulation. This includes a failure to validate the debt and provide necessary disclosures. 

XXXX. Discrepancies in XXXX XXXX : My credit report with TransUnion contains incorrect names and outdated addresses that I have requested to be corrected, but these errors remain. 

The presence of this fraudulent account on my TransUnion credit report continues to negatively impact my credit score and causes undue stress. I request that the CFPB investigate this matter promptly and take appropriate action to ensure that XXXX XXXX  complies with federal regulations and removes the fraudulent account from my TransUnion report. 

Thank you for your attention to this urgent matter. I look forward to your prompt resolution of my complaint. 

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

On or about XX/XX/XXXX, my account was already paid in full and closed. As of date XX/XX/XXXX, AD Astra Recovery Services ( XXXX XXXX XXXX XXXX ) still reporting on the 3 credit bureau my account on collections.
Product: Mortgage

On recorded phone calls ; I was given different pay off balance amounts of a {$0.00} balance in the XXXX of XXXX on several occasions when I spoke to the Select Portfolio Servicing representatives. I was also told on several occasions that my balance would be {$60000.00} on XX/XX/XXXX. Then I was provide in XXXX that I would have to refinance or get a new loan of {$200000.00} in XXXX of XXXX. 

Some of the representatives that I spoke to were argumentative that they were right and I was wrong and if I was provided misleading information on the mistake of a representative that was most likely fired. I requested to hear or have someone in management review these recorded calls where I was provided misleading information regarding the alleged loan balance the I felt was paid off. I was denied of these requests for review of all of the recorded calls of the misleading information over the years that I made on time monthly payments to Select Portfolio Servicing, LLC. I also requested information on who is the owner of the alleged {$200000.00} note that Select Portfolio Servicing which I learned it was a part of MERS. During my research I learned this note was a part of the robo signing scandal where the chain of title was broken from whom the actually is the note holder. 

Furthermore, I had an official secularization audit down on the loan for XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX that highlighted the loan was securitized and paid off. I am disputing the amount of the payoff of {$200000.00} has I had to sell my house in XXXX as of a result of not being able to refinance to payoff the alleged {$200000.00} balance.
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 items. 
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 XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$820.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$90.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$350.00} 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquiries on my credit report that I didn't authorize or have any knowledge of... 
Bank Of America credit card inquiry on XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX inquiry on XXXX XXXX XXXX XXXX XXXX inquiry on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry on XXXX
Product: Credit card

I live in Hawaii, and every time that I need to call Im always hooked up with a call station out of XXXX, or the XXXX, thinking that they would help me and I told them that I was having problems with the tutorial with XXXX credit card that it didnt look like The occurring charges were taken off this also happened when I did the same thing to Chase and it took me at least 20 minutes on the tutorial to find the recurring charges on both credit cards when I did find them I took both of those recurring charges off of both credit cards of course I started with one credit card was it was XXXX and then when I found out the XXXX was not accepted credit cards anymore I changed it to Chase and found out that they would not accept credit cards anymore. After that I contacted XXXX and started using a debit card on both accounts of XXXX and Chase I had a perfect record of paying my bills on time for approximately three years. everything on time it didnt take them but couple of weeks to throw me in delinquency but every time I try to expedite us Id call at XXXX XXXX in the XXXX, figuring that I could talk to a representative on XXXX credit card or chase credit card representative and I always got a representative from the XXXX  XXXX XXXX XXXX They said that they would pass this information on because there are representatives of these companies. Finally I talk to a representative on both credit cards And they said they never had no response from neither of these call stations.
Product: Checking or savings account

I got a letter to my old address stating that there was an account opened in my name, that i did not open. It was for a Brinks debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

ChexSystems Inc. is reporting fraudulent accounts on my ChexSystems Inc. consumer report, I have disputed all the inquiries and the fraudulent checking accounts that they have in my good name, but ChexSystems Consumer Relations has not responded.
Product: Credit reporting or other personal consumer reports

This credit union XXXX  also known as XXXX XXXX credit Union has consistently reported personal information to credit bureaus XXXX, XXXX, & Experian without any prior disclosures to me or notifying me in anyway 15 USC 1681b- Permissible Purpose of consumer reports- ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I hereby put you on notice. I DID NOT GIVE YOU WRITTEN INSTRUCTIONS to report THIS ACCOUNT TO MY CONSUMER REPORT 15 USC 1681e ( b ) Compliance and procedures ( b ) Accuracy of report 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. 

How are you following reasonable procedures to assure maximum possible accuracy with this account reporting to my consumer report? Without Permissible Purpose, anyone paying for your reporting services could fax, mail or email fraudulent information to my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquires on my credit profile and they need to be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXBalance : {$14000.00} ; XXXX XXXX XXXXXXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a XXXX  credit card account with commenity bank. I wanted to cancel my payment and make a different amount. This guy I talked to told me it was to late to cancel it. So he issued me a refund. I called today to check on the refund this female employee started to argue saying they don't issue refunds. I told her yes I have gotten refunds before. She acted as it bothered her I even got a refund. I have other community credit cards and I was issued a refund because it was too late for the payment to be canceled.
Product: Mortgage

On XX/XX/2017, I received a settlement check from XXXX XXXX XXXX for repairs on the subject property. It is the common practice for the lender to either endorsed the check and return to the homeowners, pay directly to the contractor, or issue draws upon receipt of work completed. Pursuant to the promissory note, the homeowner has every obligation to protect the property. The check was sent to servicer BB & T multiples times to no avail. The servicer claims they can not find my account on their records. XXXX XXXX has issued more than 4 checks, and all have expired due to BB & T negligence. On XX/XX/2017, my line of credit with BB & T reached its maturity date. I meet with BB & T officials to either extend the credit limit or refinance. While the application was on going BB & T filed a foreclosure action then said could not proceed with the application. Ive never missed any payments in fact till today I'm making payments and being return by the servicer. The servicer is using this excuse to claim they can not find my name or loan number with their company. My roof needs repairs before it falls on my head.. See attached BB & T correspondence refusing to even acknowledge that I have
Product: Checking or savings account

The bank asked me for two letters so they could release mu money according to them. One letter was written by the client who send me the wire, the other letter was written by a representative of the bank institution where the wire was generated. Both letters said that The funds are legally mine. However, Bank of America refuses to release my money.
Product: Credit card or prepaid card

hsbc co refused not allowed me to finish my application since i had information missing i had to go get my information which i did when i came back to finish my application company refused to not allowed me to finish my application and therefore not allowed me to get my credit card?
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$3900.00}
Product: Mortgage

Before going to an attorney to help us get a loan modification we started with our mortgage company over 2 years ago. Did everything they asked us to do. The woman we deal with there is XXXX XXXX. She has never been any thing other than rude. My father, at one point stepped in to try and help us. He was a builder of over 40 years and ran a successful business. XXXX gave him a hard time as well. Now our attorney is telling us they have NEVER dealt with someone so rude and difficult. This woman has made us fill out the whole loan modification process now over XXXX! I had to redo everything my attorney submitted because they whited out a date ( which they often do if resubmiting the entire SAME package! ) to resubmit it at XXXX XXXX request. She had all our paperwork in front of her but is knit picking apart everything we say and do and keeps making us redo and redo the whole application process! I feel BULLIED by this woman. She now has had access to our PERSONAL finances including our banking statements for more than 18 months. It is like She keeps wanting to see our Financials so She keeps denying our application for one reason or another.. There is always something WRONG She says that we missed. I had to turn around after JUST submitting the EXACT same application and resubmit/redo it all at Elis demand . Even though she had all the paperwork in front of her. I am working with an ATTORNEY who does this EVERYDAY for a living with mortgage companies. And I am being told by them, they have never dealt with a more rude and bullying person. I just want to save my home. We have also given PHFA over {$20000.00} in the 2 last years taken out of my husband retirement. We want to save our home and just need lower payments! And this woman is determined to bully us until we lose our home. I will gladly share my attorney info if need to hear from them about this company and woman, XXXX XXXX. They have not even allowed us access to our mortgage account to make any type of payment either!
Product: Debt collection

I am a 100 % XXXX veteran. As of XX/XX/2019, medical debts that belong to the VA can not be included in a veterans credit report. I have contacted the Va and they called both the original creditor which is XXXX XXXX XXXX, and told them the correct way to file for my approved VA care. They illegally sent the account to collections. This collection company has reported this to the 3 credit companies illegally. The VA even called the Medical Date Systems INC sharks and they told the Va they would pass the request to XXXX to re-file. My credit score has dropped XXXX points overnight. This is what I get for serving my country.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX, account # XXXX, has violated my rights. 

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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 15 US Code 1681A. Definition rules of construction paragraph 2 titled exclusions state that transactions do not report to consumer report late payments are forms of transactions. 
These late payments : XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX Are actually a violation of the fair credit reporting act. Which means XXXX $ minimum per late payment
Product: Debt collection

I request a debt validation letter. I received an update from my credit monitoring software on XX/XX/XXXX that my credit accord was lowered. I contacted I.C. Systems Inc and asked why the date was wrong and requested a debt validation letter and he refused to send it. This was the first time learning about this companys attempt to collect a debt.
Product: Credit card or prepaid card

I tried to purchase tickets for a concert on XX/XX/2018 for {$280.00} from XXXX. I waited until XXXX and never received the tickets by mail or on my phone. I cancelled that purchase and asked for a refund on my credit card. I repurchased tickets again in XXXX for {$410.00} that purchase DID go through. XXXX has stated the email for first purchase was wrong, but will not refund my {$280.00} due to their policy. I feel I should not have to pay for anything I did not receive. My credit card company stated they have not received a credit ticket from XXXX so will not remove the charge from my card.