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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Transunion, XXXX, and XXXX XXXX Subject : Request for Removal of Inaccurate Information from Credit Report I am writing to dispute the following information on my Transunion credit report. The accounts in question are : Account Name and Number : XXXX XXXX XXXX XXXXXXXXThese accounts contain several inaccuracies that violate the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ) and 15 USC 1681i ( a ) ( XXXX ). According to these sections, all information on my credit report must be XXXX XXXX accurate across all three credit reporting agencies. If the information can not be verified as accurate, it must be corrected or removed. This inaccurate information is unjustly affecting my credit standing. Therefore, I request that you investigate this matter and remove the inaccurate information from my credit report. Enclosed are copies of my credit report highlighting the inaccuracies, as well as any supporting documentation. If my request is not fulfilled within XXXX to XXXX days, I will proceed with litigation to collect {$1000.00} in damages for each inaccuracy on my credit report, as permitted by law. Thank you for your prompt attention to this matter. Sincerely, XXXX
Product: Debt collection

I didn't know that I had any debt outstanding with XXXX XXXX I never received a letter, email or anything else. When I found out that I had an outstanding balance on my XXXX XXXX card, I paid it in full. But it negatively affected my credit score, without ever giving me any sort of written notice that I even owed anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following 3 Credit Bureaus Experian, XXXX and XXXX stated that the {$65000.00} was the correct amount on my credit report however it was paid in full on XX/XX/2023. I need this paid in full letter corrected on my credit report because I m trying to land a major goverrment contract position which requires a full financial disclosure. Please investigate and authorize the 3 credit bureaus to correct my credit report as soon as possible.
Product: Mortgage

My bank account got hacked, so I fell behind on mortgage. They sent me someone to email. But the address was invalid for months. They wanted me to screen shot the checks. I did so but they said that the pictures were blurred. Then someone else took over my account bc the first person is not working there any more, and she just emailed me that they are moving forward with the repossess of my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax a certified mail concerning the inaccuracy on my credit report on XXXX and they failed to investigate or provide with any information. it s been over 30 days. Violation under FCRA, since its been over 30 days and they haven t verified any items. Please remove all disputed items.
Product: Credit reporting or other personal consumer reports

This CFPB complaint is filed pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) to request that you, Experian, block information appearing on my credit report that is the result of identity theft and fraud. 
Details of Fraudulent Activity : The fraudulent information includes : A personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/year> under account number XXXX I have attached a copy of my credit report maintained by you which shows the aforementioned fraudulent items. 
Identity Theft Verification : I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ) with Case Number XXXX. A copy of the report is attached as proof of identity theft. 
Demand for Relief : I request that you, Experian, block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving this complaint, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). 
Contact Information : Please send all written confirmation regarding this CFPB complaint to my email address : XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had someone take my cell Phone and transfer almost {$3000.00} to their cashapp account. This happened I. XX/XX/year>. I reported these as fraudulent and they say they investigated and denied me a refund. I gave them the name and address of the person who did this. This person was only XXXX XXXX XXXX. I reported this as well. When I asked them for a copy of the documents they said they relied on they did not produce any.
Product: Prepaid card

I have American Express Serve card. They give you an unnecessary hard time in disputing transactions, and they have every reason to, because if they give you your money back, whatever percentage the merchant has to pay for using their card, they do n't get paid if they give the money back! 

XX/XX/XXXX, I disputed XXXX charges : XXXX from XXXX, in which I signed up for their hot spot service through their automated system, which did not state the charge is not refundable. They only tell you this after you are charged ; then, they say it is in their terms of service, which was never mentioned in the sign-up process nor do you get a website to go to to read the terms of service. This is fraud, because I am not be given the right to make an informed decision. 

XXXX charged me {$50.00} on XXXX/XXXX/XXXX. 

I made a purchase at XXXX and was charged {$36.00} on XXXX XXXX, XXXX, under XXXX. I returned the product and though the seller has a refund policy, but she will not give me my money back. 

I called Serve in XX/XX/XXXX to put both items in dispute, which was done ; however, the representative did not tell me to expect an email from American Express. As a result, they sent me an email but because I was not expecting them, as the representative did not inform me they were coming, the cases were closed. 

I am currently on hold with Serve trying to re-dispute those charges, and they have the audacity to be telling me essentially too bad : Though WE messed up, you 're not getting your money back. I spoke to XXXX, a supervisor, who is now telling me, 60 days have passed and we ca n't dispute the charges. Both of these charges were disputed in a timely fashion in the beginning. 

Serve XXXX, but they want to penalize me. 

Serve needs to be investigated and fined, because I am sure I am not the only customer they have done this to. 

All these Serve rep 's gave me the same excuses. I have been on the phone for 2 hours trying to resolve this. This is ABUSE and UNACCEPTABLE! Serve is stealing my money, because by keeping my money, they stand to profit! 

- XXXX - Account Specialist - XXXX - Account Protection - XXXX - Customer Service
Product: Bank account or service

I opened a CitiGold bank account with Citibank on XXXX XXXX 2016 under a promotional code which offered XXXX ThankYou Points after I opened an account before XXXX XXXX 2016 and used Citibank 's bill pay system " during a calendar month and during the following calendar month '' per the message I received from XXXX XXXX on XXXX XXXX 2016 ( reference number XXXX ). I paid my XXXX credit card in XXXX and XXXX, so all requirements were met to satisfy the promotion. 
I sent a secure message on XXXX XXXX 2016 to verify all obligations had been met. XXXX XXXX XXXX confirmed all requirements had been met, via reference number XXXX. In the message from XXXX XXXX, I was promised XXXX ThankYou points would be received by XXXX XXXX 2016. I have not received the points.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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 a account
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts in question. listed below continue to report on my credit report in violation of federal law. These accounts in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts in question., 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized remaining inquiries listed below : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

My entire bank account was wiped out a day after my payday, and when I tried to dispute it through wisely, which is through XXXXXXXX XXXX XXXX they denied my dispute because they said I recognized the transaction, however, never once did I authorize a payment, let alone a withdrawal by another company.
Product: Credit reporting or other personal consumer reports

There has been 13 hard inquiries done on my credit report without my permission within the last two months. I have had to call two specific dealerships to request that they stop running my credit after they had turned me down for vehicle purchases. XXXX XXXXXXXX XXXX XXXX  XXXX and XXXXXXXX XXXX XXXXXXXX are the two dealerships in question. I have received duplicate denials from the same companies such as XXXX, XXXX XXXX just to name a few.
Product: Credit card

I have a credit card company that is garnishing me. And That account was open back in 2006. I thought it was going to fall off by now. As well and a car that was a lemon that I have put so much money into to parts I really paid for the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my complaint to inform you that I am a victim of identity theft. I found certain items in my file resulting from the crime. Please have this investigate and have this items be deleted on my file as fast as you could. The item I am disputing do not relate to any transactions. Based on FCRA Section 605b, It was the responsibility of the 3 credit bureaus to remove some inaccurate information which are not belong to the owner. These following items should be deleted as they were fraudulent : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am trying to close a Citi XXXX XXXX account. There is no option in their phone system for account closure. After navigating all the other options, I am eventually able to get a representative if I say I have a different issue. To access the account I needed to provide some information ... at some point either a debit card pin or the security word for the account is needed. Since the company never sent me a debit card, I chose the security word. I gave the correct security word and the representative told me it was incorrect and would not let me access my account. He suggested I change the security word, which requires knowing the correct one in the first place. I had the correct security word so I was able to change it. When I gave the new word, he tried again unsuccessfully and told me I need to visit a physical branch, even though they don't have any remotely close to me. They are making it effectively impossible to close the account, and my only choice to avoid fees is to keep depositing more money.
Product: Credit card or prepaid card

I was surprised to find out week fargo discontinued their secured credit card and would like to know why it was a good product to help establish credit
Product: Student loan

I have spoke to several people at Sallie Mae, I was told that I wouldnt qualify for forgiveness that I should apply for financial hardship even though I was told on the phone I didnt qualify but it would put me back into good standing and bring my loans to date. Stated I would be mailed paperwork to fill out for something I was already told I wouldnt qualify for. Then I received an email stating my loans were consolidated, which I didnt know about. When I spoke to representative I asked if all my loans were consolidated stated yes, I asked if my federal and my other student loan thru US dept of Education was included stated yes, I told the representative that I didnt know that my loans has been consolidated, stated that the previous representative did it and I said we didnt talk about that only about mailing me paperwork for income hardship which the representative stated I wouldnt qualify for. I stated that I was confused on who had my loans and he said that they were sold to Sally Mae but stated that Sally Mae had sold them but didnt know at that to who. That I would be contacted thru the mail on who it would be. Never heard anything until recently I started receiving calls from XXXX. 
At one point it showed that {$20000.00} was forgiven but then it showed back up that it wasnt forgiven.
Product: Credit reporting

I am complaining because I am having an issue with Experian were I have not been able to get a copy of my report directly from them. I have written to them and have not gotten any response from them. There are Several Judgements on my credit report that none of them belong to me. They are all from the XXXX County Court and these Judgements belong to my Father which we have the same name and live in the same address. I have tried to call experian on several occasions and have been unsuccessful in getting a representative on the phone because I do not have a report number to get through. I am please requesting for these Judgements that belong to my father to be removed from my credit profile as they are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no records of doing business with the companies I found on my credit report. I have filed a FTC ID theft report for the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. please delete/remove these account they are not mine. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX NEW YORK XXXX.Please remove any other address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had identity theft. I sent letters in XXXX and followed in XXXX and have heard nothing, I am doing this online through the CFPB because of COVID-19 and perhaps the letters have not been processed. 

I have multiple accounts that need to be blocked from record due to investigations of indentity theft. These are XXXX  XXXX XXXX and XXXX. 

I have attached my identitytheft.gov report, my reports, and the letters I sent the CRAs
Product: Debt collection

XXXX ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX GA XXXX PHONE : XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission XXXX XXXX # XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked XXXX and Equifax to remove this information on my report as it is incorrect. 
They never did!
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have 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. It also states a consumer reporting agency can not furnish a account without my writing instructions
Product: Debt collection

They call multiple times a day. Harassing me. Leaving voicemails. Only should be allowed to call once. Not 4 times a day!!!
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The debt is not from the original creditor as I got a letter showing another company paid for a debt they claim belongs to me again, they have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. The debt originator does not have the original or signatures from me, They did not provide me with who was spoken to and when was this debt assigned to collect. They are not giving me any evidence to show clear ownership of the account. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 

Additionally, please have them provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.
Product: Payday loan, title loan, or personal loan

I took out a furniture loan with Regional Finance and at the time I had a Roomate that was helping me pay it off and now shes no longer helping and I dont have enough money but they have called me and threatened to take me to prison for not paying.
Product: Credit card or prepaid card

I referred the amex XXXX XXXX card by email to my sister, and she applied the credit card with my email link. She was approved right away on XXXX. I was next to her, so I am 100 % sure she applied the credit card through right link. I opened the investigation on XXXX. But I did n't get any bonus yet. I contacted the amex several times by chat. They always said the same answer like the answering machine " it is processing '' that is it. I am not sure they really start to investigate or look it up. I understand it will take some times, but there is no willing to resolve the problem or explain the detail info to the customer. Plus, they did n't send me any email about my inquiry or any representative did not explain how is processing or why it takes so long ... etc I hope I can get any answer from the amex. 

The referral person was approved the card on XXXX Opened the investigation on XXXX Amex XXXX XXXX the bonus is supposed to be XXXX Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving a response from XXXX and Experian regarding an ongoing dispute regarding the incorrect pay history/ closure date provided on my credit reports, the issue remains. The credit card balance for this account was paid in full in XX/XX/XXXX and the account was officially closed that same month. The derogatory months for the pay history have yet to be corrected along with the closure date on my credit reports which is inaccurate and false information. XXXX is still reporting XX/XX/XXXX through XX/XX/XXXX as derogatory, then XX/XX/XXXX as an on time payment then closed in XX/XX/XXXX. Experian is reporting derogatory payments from XX/XX/XXXX through XX/XX/XXXX and then a positive pay history for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, then FINALLY closed in XX/XX/XXXX. As seen in the attached credit reports from XXXX and Experian, XXXX is reporting false and inaccurate information. A representative by the name of XXXX, from the XXXX XXXX XXXX XXXX XXXX for XXXX, is refusing to correct the payment history and provide the correct closure date for the account. I AM ALSO STILL RECEIVEING MONTHLY STATEMENTS ON THIS CLOSED CREDIT CARD ACCOUNT THAT WAS PAID IN FULL. A complete investigation was not conducted by Experian nor XXXX from XXXX as can be seen by the attachments for this complaint. I also spoke to a representative on XX/XX/XXXX from Experian on a recorded line for them to review the XXXX account confirm that the account was closed, but still reporting a pay history up until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive recently been working on building my credit and I noticed some hard inquiries that I dont recognize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX