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

I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and I noticed a lot of unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm to me. I need these accounts removed ASAP.
Product: Money transfer, virtual currency, or money service

Transaction using XXXX through my Bank of America online banking center. A XXXX transaction was initiated to purchase something from me. Moments after I received an email from XXXX saying the funds were transferred to me, then another email saying the buyer erroneously sent the money twice and I needed to refund the buyer. The email appear legitmate from XXXX and also from XXXX XXXX for which the buyer said the money would be coming from, I refunded the money, out my money went, but no money ever came in. I filed a claim with Bank of America ( which i used XXXX through ) and it was denied, i reopened the claim to try again. I filed a police report. I attempted to contact the buyer, but all communication was discontinued. I have filed all of the emails from XXXX XXXX ( scam ) and XXXX ( scam ) for reference. The total was {$1800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX XXXX  opened XX/XX/XXXX amount {$750.00} and XXXX date opened XX/XX/XXXX amount {$11000.00} both XX/XX/XXXX and XX/XX/XXXX. I included a notarized FTC report to both companies as well as credit bureaus and the accounts have not been removed. These accounts are not mine and was opened fraudulently.
Product: Credit reporting or other personal consumer reports

I am writing you about the the misuse of my social security number due to the Equifax Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth so there will be no discrepancy on the fraudulent accounts listed by me.. The information below, which appears on my credit report, does Not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft 1XXXX XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i want capital one delete, remove, credit card charge that was paid off! under 15 us code 1681d
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX   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 XXXXXXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

Citi Bank had a promotion requesting general public to open saving account, maintain the required balance for 3 months and receive the cash bonus. Through their promotion page, I enrolled, opened the account and maintained the required balance. Citi bank promotion page did not say it was a targeted promotion. 3 different citi bank phone representatives confirmed that I have met the requirements of the offer and even gave me a date that by XX/XX/2016, the cash bonus will be credited into my account. On inquiry in XX/XX/XXXX, I was first told that it was a targeted promotion. When I proved that it was n't, I was asked to visit the nearest branch to submit all the documents and they will help me resolve the matter. The Branch officials simply washed their hands saying since I opened it online, I should contact the citi bank phone officers. Citi bank Customer support seems clueless about the matter where they are agreeing that I met the conditions but do not know how to resolve it.
Product: Checking or savings account

Wells Fargo bank is wrongfully hold {$37000.00} of our funds from our customer checks deposited in the accounts. We did the mobile deposited and they closed our account, returning the rest of our balances but withheld that amount for 5 months. WE have contacted WF so many times and no result. The fund are now sent to Closed account something and we dont even know when we can get the money back. This is wrong! WF should not be able to hold customer 's money for that long without a solution. We did everything we are instructed to do and still they dont return the fund to us. Can someone help us or we need to go to court for this?
Product: Credit card or prepaid card

I have sent multiple payments to XXXX but they have not been properly posted to my account. My account has MORE LATE FEES and INTEREST than actual charges. I was NEVER receiving statements for the account and was only able to recently access my online portal. It is not right because I made the payments knowing what charges I made to my account, then there were late fees on top of that, and it has just become unbelievable and caused me so much pain and suffering.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT Upon the reviewing of my consumer report, I noticed that you all were breaking several laws set by congress to ensure that information being furnished by you all are fair and accurate. 

I am putting you on notice that all Late payments being furnished on my consumer report is illegal. 

According to 15 USC 1666b. Timing of payments, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 21 days prior to the account being late I was supposed to receive written notice informing me that the account is going to be late. I did not receive any written notice prior. 

According to 15 USC 1681b. Permissible purposes of consumer reports, the only way any consumer reporting agency ( XXXX ) may furnish a consumer report is if it is in accordance with the written instructions of the consumer to whom it relates. I never gave XXXX written instructions to furnish any negative information on my consumer report. 

By not obtaining my written permission to furnish this negative information you all are committing Identity Theft. You are fraudulently misusing my personal information for financial and/or personal gain. 
I should also make you aware of 18 USC 1028A-Aggravated Identity Theft, anyone knowingly uses without lawful authority a means of identification of another person shall be sentenced to 2 years of imprisonment and up to 5 years for a Terrorism offense.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/year> Case # XXXX Re : Follow-Up on Inaccurate Representation and Unfair Treatment Dear XXXX : I am writing to express my deep concern regarding the lack of response from SoFi Lending about my previous complaint. 
In my previous correspondence, I outlined how your representative, XXXX XXXX, falsely claimed that I had not contacted SoFi within the allotted time frame. As previously stated, I have call records that show I contacted SoFi on XX/XX/XXXX at XXXX XXXX  and spoke with your representative for 28 minutes, directly contradicting XXXX XXXX 's claim. 
Furthermore, I highlighted that XXXX XXXX 's ruling was arbitrary, capricious, and discriminatory, causing me undue stress and inconvenience. To date, I have received no follow-up or resolu

tion from SoFi, which is both unacceptable and unprofessional. I must reiterate that while this complaint remains unresolved, any attempt by SoFi to report negative information to credit reporting agencies will be illegal and may res
ult in further legal action. 
This is my final notice to SoFi Lending to address this matter promptly and fairly. If I do not receive a satisfactory response within ten business days, I will be compelled to escalate this issue to the appropriate regulatory bodies and consider further legal actions to protect my rights. 
Please confirm receipt of this letter and provide a detailed response outlining the steps SoFi will take to rectify this situation. 
Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX, XXXX, XXXX and XXXX in full
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. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Today is XX/XX/2023 and Im unable to you my card for the last pass week. I asked robinhood what was the issue and why they restricted my account they was unable to give me a reason. I been having account for a long time now Im unable to use my account and I have {$480.00} dollars on my account that I would like to use. I already verified my information like ID SSN selfie pictures And ect. Still no help from robinhood they are truly scammers
Product: Debt collection

Paid  XXXX . I have a deletion letter as well from the company stellar recovery on  XXXX  account  XXXX    XXXX   file number  XXXX . and equifax is still showing this debit and I have contacted them 5 times on this matter. I want this deleted from my credit report account. I 'm not sure if it 's on the other credit reporting agencies as well. But would like that deleted as well. This has been going on way to long. Even the company I paid thinks this is crazy!! Please help
Product: Debt collection

To Whom It May Concern : Good Day! 

As today XXXX XXXX I am writing you to take a look my concern and I take this seriously. My name is XXXX I received a letter from you and my radius debt collector as well and Id been calling USAA and after the ring itll go to operator or most hang up. So what USAA desire to fix this? As my concern may I ask for a dispute regarding the account from USAA. I spoke to a USAA representative I believe the name was XXXX last XX/XX/XXXX of XXXX. They mentioned the call maybe monitored or recorded so if I will request for you to take a look for the voice recorder and you will find a proof of evidence aside from the attached document I provided here. When the agreement mentioned and I agreed upon last XXXX XXXX I started paying {$55.00} on XXXX XXXX and the upcoming months it will be {$75.00} starting XX/XX/XXXX until XX/XX/XXXX and my last payment should be on XX/XX/XXXX. I called the USAA again last XXXX or XXXX for me to double check and I am excited because finally I will be out of debt from USAA but unfortunately they mentioned I still owe of {$650.00} and because of this scenario USAA put a {$730.00} amount definitely I DON'T AGREE with that esp when I spoke to a representative and I make sure no hidden charges or I will be done by XXXX of XXXX and he made sure that I will be done by XXXX and suddenly not. I was deceived and my credit score were affected so badly so I demand for a dispute for this and fix my credit score nor credit report and the balance I owe which should be about {$210.00} only and I demand as well for a debt free from USAA. 

I am looking forward to hear from you and fix that needs to be fixed. Thanks in advance.
Product: Mortgage

I lost my job in XX/XX/XXXX and was without adequate replacement income until just recently. I originally contacted our lender not long after it became apparent we would not be able to pay our full mortgage amount, and continued to send partial payments as we were able. Submitted loss mitigation application through our lender in early XXXX, and throughout the process submitted all documents as requested. At no time was unemployment forbearance discusses ( did not even hear of this option until this month from another party ), and was not told of Save Your Home California until XXXX, when we were denied assistance by our lender and told we did not qualify for any assistance with our lender. Unfortunately I do not have many documents from along the way, as I was not expecting this outcome and did not take detailed notes about all phone calls, but I have recently informed my lender of our extreme dissatisfaction with their assistance in saving our home, and their lack of information provided about all options that may be  available to us. Assistance is currently in review with XXXX, but foreclosure process has been started by our lender.
Product: Student loan

Graduated from XXXX University in XXXX. I couldn't get a job paying the {$700.00} a month payments they require. I went into forbearance for years. I've worked 2-3 jobs the whole time. I was put into collections even though I was told {$0.00} a month based on my income. I was then put on a {$5.00} a month plan. I had to stay current for 9 months to get out of collections. I've been out of collections a while now. They are showing on my credit report as open but up to date. I am trying to buy a home as I can not afford rent. My credit is good besides these loans showing on my account. I was told by Nelnet and my loan person to file a complaint today XX/XX/XXXX. I am paying as much as I can towards my loans after the bills are paid. I'm living in a tiny apartment with XXXX children of the opposite XXXX in the same room. I have to move. Buying is cheaper than renting. For my rent price, we can all have or own rooms. I am about to move out and increase my rent by {$200.00} dollars. That means we eat less. I make to much money for assistance with food. I'm trying my hardest to settle down and make higher payments to the loan company but I'm going to be pushed right back into collections over this being on my credit. I have already gotten a better job. I'm still working 2 jobs. I'm slowly moving up in the world. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report now has 42 inquires all of which are fraudulent. i have advised Experian XXXX and XXXX All of these companies referred me back to the creditors that submitted the request who referred me back to the companies. I do believe the spike in these request came from the data breach i want these inquiries removed XXXX XXXX Never Applied XXXX XXXXNever Applied XXXX XXXX- No Knowledge XXXX XXXX - this creditor has attempt to pull my credit 14 time in the past 6 months obviously it is not me XXXX- Never Applied XXXX XXXX Was never my card i disputed this account and it was removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing today because I am shocked on how poor attention and lack of investigation Experian, and XXXX has provided to my credit report. After reviewing my credit and the FCRA, I must bring to your attention the account below inaccuracies : XXXX XXXX XXXX Account Number XXXX The first error date of activity Experian is reporting XX/XX/2021 and XXXX is reporting XX/XX/2021. 

The second error account status Experian is reporting closed and XXXX is reporting open. 

The third error payment status Experian is reporting payment status as collection/ charge off and XXXX is reporting Late 120 days. 

The fourth error is last payment Experian is not reporting a last payment and XXXX is reporting last payment XX/XX/2021. 


I have sent numerous letters to XXXX and Experian they have failed to show proof that this account was properly verified. This is also a violation of code 15 U.S.C 1681G. I have the right for 100 % accuracies on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have submitted a dispute thru equifax.com for XXXX XXXX  XXXX and it came as verified. I asked to provide me the backup of how the account was verefied and all I received was a credit report. I have also email and called XXXX XXXX  XXXX to verify my account few times and every time they fail. This is not my account. It has never been mine. I have never used them and have no idea who they are. Please delete this from my file. 
XXXX # # # # # # XXXX XXXX XXXX {$130.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Re : This is a formal dispute of my right as a consumer for removal of all reported inaccurate reporting named in this dispute that is reporting on my credit report. Please firmly establish that your reportings certifiably compliant in its reporting ( XXXX ) as dubious to be of the mandated physically verified validated claims of truth, accuracy, completeness, of known ownership of responsibility, inadequate timeliness, and or else wise indubitable in or of its validity unequivocally disclosed, as indicated! To Whom it may Concerns, I am very curious as to what kinds of process-verbal or " records '' you may have for any and each of the accounts alleged by the non-compliant data-furnishing reporter ( XXXX ). It is your requirement to have a certifiably compliant reporting process of which adheres to the mandatorily utilized XXXX XXXX data field formatted reporting standard ( XXXX ). Under the FCRA, you are required to investigate on this account if I request it, and further provide me a written report of proceedings. I, therefore, am submitting my written request to you to investigate. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time, per the FCRA, you must remove any alleged unproven negative information of which I have launched contesting of reporting privilege ( XXXX ) by the indicated reporting entity ( ies ). Again, I believe, and you shall agree that it is noteworthy that as the injured consumer, I am of no obligation ( XXXX ) to reveal any imperfections nor any flawed reporting as it is your moral imperative to do so. However, at a minimum, the reported allegations versus me include what I have identified as being likely-SUSPICIOUS claims of base field XXXX ( XXXX ) with redacted truncation. In mathematical reality, this makes it impossible for ANY ENTITY to be certain of adequacy to the perfect inclusion and arrangement of ONLY accurate and complete data field information within the requisite reported data fields outlined mandatory for lawful reporting fulfilling the necessary decrees. That is, how is it assumed that the true. the following account is not accurate XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX notified entity XXXX XXXX, On Matters of ACCOUNT # XXXX Ending. That the month of XXXXXXXX XXXX XXXX Reported XXXX XXXX have not happened. 
Due to 15 US 1681s-2 ( a ) ( 1 ) ( F ) reporting information during Covid-19. As well as being affected by 18 U.S.C. 1344. As a victim. No reconsideration of remarks as well as reconciliation of account information.
Product: Credit reporting or other personal consumer reports

This letter is my formal written request for you to investigate the following " Unverified '' accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 



I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below, then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. 



I demand the following accounts be verified or removed Immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On. XX/XX/year> A so called friend stole {$600.00} out from my checking account through my chime app on my phone. This is the account that my social security check is direct deposited into every single month. She went in my phone Chime Banking app. Took the money from my chime account and sent it to her cash app. And then she broke my phone so i could not see that she did that. I did not ever give anyone permission to use or even look at my account. I reported it to the local police and made a police report. Then I put a dispute for the {$600.00} with my bank chime and denied it when I called back, they had said to dispute it again. And send them the police report so I did that the gentleman that I talked to said he was going to send me a check on XX/XX/XXXX I never received a check. I called again and was told that the claim for the dispute was denied. I have called back the police department. And they have told me that they can not find Her. The person that stole the XXXX XXXX dollars. He told me that they will catch her someday. I live on a fixed income and I am all alone. And I am XXXX.