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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX XXXXXXXX Balance : {$5500.00} ; XXXX XXXX XXXX XXXX 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have called Midland Funding several times to try and resolve this matter. The last time I call I was laugh at me on my offer and hardship. I dont see where a hardship is a laughing matter. 

1. The response I got was unprofessional and unclearly uncalled for.

2. A hardship in any form is NOT a laughing matter.

3. I was left on hold for 45 minutes when I ask for a supervisor to complain about the representative. 

Right now times are hard for everyone and bein laugh at and treated like dirt all because I ask for a low settlement is not right. 

Midland Funding needs to work on the customer service skills.
Product: Vehicle loan or lease

In XXXX I went to XXXX of XXXX XXXX and bought a used vehicle where the salesman put that I made more money even saying my partner had a job when she in fact does not work. At the same time the car has now been at the dealership service department for its second transmission to be worked on. Asking the manger what can he do to help me get out of the loan since I cant afford it and its been broken for the second time says only thing I can do is trade your car in for a more expensive car since my car is worth less now and hes losing money by buying my car at what is owed at the bank. Saying he cant take it back since they no longer own the vehicle and I should just wait for then to fix the car.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XX/XX/XXXX I ' am writing to request and investigation of the following accounts, I have never opened or use the accounts listed below. " I'm requesting the following information be deleted from my Early Warning report immediately. I attached a copy of my report to this request. I have listed the accounts and the inquiries as well. Pls see attached accounts and inquiries. I also received a letter which is attached that states that the blocking was approved with my documents that was received. I want these additional accounts removed indefinitely. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 How does XXXX determine 2 accounts fraud and not the 3rd account which was opened on the same day. I want them removed. 
XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX XXXX XXXX  AccXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX
Product: Checking or savings account

Bank of America closed my account like two years ago. I havent had a account since. Someone stole my bag in XXXX. All my stuff was stolen including my phone & wallet. Someone tried to do fraud with my account & did not succeed. Also I reported my card stolen so they should know it was not me. Pls help
Product: Debt collection

HI LVNV FUNINDG / RESURGENT CAPITAL ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Debt collection

There is company called XXXX  XXXX. They use background and contact information on family members to threaten debt collection, false imprisonment. They use social media like XXXX to gather information and threat unaware family members.
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 Account Number:XXXX  Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  XXXX Bankruptcy Account Number:XXXX has violated my rights. Or list of inquiries 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 or other personal consumer reports

I am submitting this complaint regarding fraudulent information on my credit report as a result of the Equifax data breach. My personal information was compromised, leading to the appearance of fraudulent accounts on my credit reports from all three credit bureaus ( Equifax, XXXX, and XXXX ). 

To address this issue, I sent certified letters to each credit bureau requesting verification of these accounts. Specifically, I asked for signed contracts or documentation proving my agreement with the listed creditors. Despite following the proper dispute process, the credit bureaus failed to provide this verification within the legally required timeframe, as mandated by the Fair Credit Reporting Act ( FCRA ). 

These fraudulent accounts are negatively impacting my credit and preventing me from securing housing, causing undue stress and hardship. The lack of response and resolution from the credit bureaus has left me with no other choice but to escalate this matter.

I kindly request the following : 1. Removal of all fraudulent accounts from my credit reports.

2. Confirmation of compliance with FCRA requirements to investigate and verify disputed information.

3. Assurance that my credit report is updated to accurately reflect my financial history. 

I appreciate your assistance in addressing this urgent matter. Please let me know if you require additional documentation or information to support my case.
Product: Prepaid card

Money Network ( XXXXXXXX XXXX ) is now handling debit card benefits for CA EDD ( including XXXX XXXX  XXXX, which is what I'm using it for ). 
When CA EDD deposits my benefit funds to the Money Network account/debit card, I am unable to transfer these funds to my personal bank account. This option to transfer funds is on their web site but does not work. Keep getting a " rejected batch '' message, 2 days later. Unacceptable. 
It is vitally important to be able to transfer these funds as soon as they are deposited by EDD given the fraud happening with these debit cards AND the fact that this money must be transferred in order to cover monthly expenses with my personal bank account. 
Their app does not work, their customer service does not answer questions, or you can not get anyone on the phone. ( I am currently on hold for over an hour to talk to a supervisor. No one answers ) There are thousands of complaints online about Money Network, so I am not alone in my frustration. Please contact them about CA EDD benefit payments and their failure to resolve issues with residents in CA. ( and across the country as well based on complaints listed online )
Product: Student loan

I went to XXXX University in XXXX, Maryland for 5 years. My loans were through XXXX XXXX which is now Navient. I have around XXXX in loans. I have tried to make my payments on time and in full but I can not. The operators when I call have no solutions or knowledge, and can not help me, yet they hound me constantly to make a payment. Navient loans is contentiously calling me and harassing me to make a payment. I 've tried to work with them to get my payments lowered and they said they can do nothing for me. My co-signers are in debt as well but make more money than I do. I make only XXXX a year, and I 'm about to have a baby. But Navient continuously calls and says that I need to make my payments before I go into default. I have told them about my situation and they have no solutions for me. I can not afford almost half of my paycheck to go to my Student Loans. It 's ridiculous that I can not have my payments lowered to work with my financial situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX  XXXX XXXX Balance Owed : {$2100.00} ; XXXX XXXX  XXXX Balance Owed : {$5700.00} ; XXXX XXXX Balance Owed : {$0.00}.
Product: Money transfer, virtual currency, or money service

I am writing in concern towards Zelles handling of disputes. This particularly due to the most recent CFPB lawsuit bringing to light significant issues with the addressed platform. As they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasable after i tried numerous times to address discrepancies. The CFPB findings indicate that Zelle has not only neglected to protect customers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.
Product: Debt collection

I am writing to express my extreme frustration and impatience with the ongoing presence of fraudulent account on my credit report. It has been an unacceptably long time since I first reported this fraudulent entry, and despite my previous attempts to rectify this situation, they remain undeleted, tarnishing my creditworthiness and causing me significant distress. 
Account Details : XXXX, XXXX XXXX PLEASE DELETE!!! 
I can not emphasize enough the urgency of this matter and the detrimental impact it has on my financial standing. The fraudulent account is not mine, and I have never authorized any of the transactions associated with them. Regrettably, my efforts have yielded no results, and I have received no satisfactory responses from your bureau. However, their lack of response or assistance has further compounded this issue. 
The continued presence of this fraudulent account on my credit report has created severe obstacles in my life. I have been denied access to credit, subjected to punitive interest rates, and faced numerous rejections for housing and employment opportunities, all due to the erroneous information on my credit report. I demand that you treat this matter with the utmost urgency. Ensure the immediate removal of all fraudulent account from my credit report. Any further delay is inexcusable and exacerbates the harm caused to my financial reputation.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of inaccurate and outdated personal information from my credit report. 

Specifically, I would like the following addresses to be corrected or removed : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  NY XXXX XXXX. XXXX XXXX XXXX XXXX, NC XXXX The correct and current address is : XXXX XXXX XXXX  XXXX XXXX NC XXXX
Product: Credit reporting or other personal consumer reports

This XXXX XXXXXXXX spark business card belonged to XXXX XXXX XXXX XXXX which Im a partner and worker. This card shouldnt have shown up on my personal credit report and was over limit and recently closed with balance.
Product: Money transfer, virtual currency, or money service

Someone posted online that they had tickets to a concert I wanted to go to. I messaged them back and forth asking where the tickets were, how much they were for, and how I could verify they were real. They responded, I believed them to be legit. I sent {$410.00} through zelle on my banking app. The money went through, and I was not sent my tickets and asked for more money. The email verification they sent me was not real. I could tell after it was sent that it was a fake email. 
My bank said they can not help me because the payment was authorized. I did not catch it before it was delivered
Product: Credit reporting or other personal consumer reports

I have already provided the necessary documents for identity theft as well as proven the information has multiple inconsistencies across each credit bureau and requested that the validity of the accounts be properly verified. All parties have failed to provide me that proof. I have also found a publication on the IRS website in which the IRS defines a charge off as gross income ( Section 61 ( a ) ( 12 ) of the Internal Revenue Code specifically includes income from discharge of indebtedness as gross income. ) INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting inaccurate and fraudulent!
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent in letters to the credit bureaus and have yet to hear back from them for reporting inaccurate information to my consumer report. The accounts in question obtain a lot of inaccuracies and according to the FCRA any inaccuracies on a credit profile must be removed immediately. Each accounts shows a different date open amongst the bureaus which would be impossible because how can I open an account on XXXX different days. I feel like I am being taken advantage of and I won't stop fighting this until it's resolved. These inaccuracies are holding up my life and I am prepared to file for litigation if these accounts aren't removed immediately. I was also impacted by the XXXX data breach. The accounts at question do not belong to me and they have yet to provide proof that it does. Thank you in advance for your help with this manner.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found fraudulent accounts in my my report can you all remove them please
Product: Checking or savings account

I am filing a complaint with CFPB regarding capitol ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may violate the electronic funds transfer act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
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. 

Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$2300.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I called American Express to add an authorized user. The agent offered a zero interest for 15 months with a transfer of my current to a different type of American Express credit now being offered. The interest rate once the promotion expired was about what I was paying, so I accepted the offer. The agent state she added the authorized user. 

I received a credit card, but no credit card for authorized user. I called because the terms did not read what I was told. They said there was a mistake by the agent. 

A case has been opened XXXX, and they have offered reward points, but not what was originally offered. I have requested my notes and a review of my call, but have not received anything. They say they have called back, but they aren't leaving messages or notes of substance. 

The language is cumbersome on these credit cards, but read, read, read before you proceed. I'm using this card or agreeing to the written docs, until they keep their word.
Product: Checking or savings account

On XX/XX/2023 the amount of {$900.00} was taken out of my account from XXXX merchant by the name of XXXX moble which I did not authorized. I contacted my Bank and they went through it but refused to give me my money. I have been on this for the past seven ( 7 ) months. This is my hard earn money and I will definitely want it back. My bank asked me to do a hand written that I did not authorize such transactions and I did but still I havent received my money. After making a follow up today I was again denied which is very bad I need my money. I hope the authority can look into this and let me have my money back because I worked hard for it.
Product: Consumer Loan

I am slightly behind on a car payment to Wells Fargo Dealer Services. I am the owner of a business and I use the car primarily for the business. WFDS has been calling me at my business number and filling up a voice mail box that is used for sales & support and is checked by other people. Even though they do not disclose who they are, people can XXXX " Wells Fargo Dealer Services ''. It has undermined my business in that people are concerned they may not get paid and word has gotten around to several of my investors who may be looking to pull out.