23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2022 I received a phone call from a lady saying she was from there fraud department and that I had a block on my net spend card I was asked several questions and then she said she removed the block that was at XXXX XXXX  Nevada time then at XXXX XXXX  I went to make a purchase and I got notification that XXXX XXXX dollars was transferred out of my account by me to me I never did that transfer or authorize it I immediately called the net spend card reporting fraud they sent me knew card and I sent in police report fcc report any reports I could send to prove fraud was committed I waited 14 days only for them to say it was my fault and then they closed my knew netspend account and said Im to much of a risk to bank with them I feel this is unfair how I was treated by this company this company automatically assume that there customer is to blameXXXX this was my reference number they gave me please help me
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute fraudulent accounts on my credit reports resulting from identity theft. These accounts were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX XXXX Account Numbers : XXXXXXXX XXXX ( XXXX, Equifax ) XXXX XXXX XXXX Account Number : XXXX ( XXXX, XXXX, Equifax ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX, XXXX, Equifax ) XXXX Account Number : XXXX ( XXXX, XXXX, Equifax ) XXXX XXXX XXXX 
Account Number : XXXX ( XXXX, XXXX, Equifax XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX, XXXX ) XXXX XXXX XXXX  Account Number : XXXX ( XXXX, XXXX, Equifax ) XXXX XXXX XXXX Account Numbers : XXXX XXXX  ( XXXX, XXXX, Equifax ) XXXX XXXX XXXX  Account Number : XXXX ( XXXX ) XXXX XXXX Account Number : XXXX ( XXXX, XXXX, Equifax ) XXXX XXXX Account Number XXXX XXXX XXXX XXXX ) Under 15 U.S.C. 1681c-2, I have the right to block and demand removal of information resulting from identity theft. Furthermore, reporting these accounts without my explicit consent violates 15 U.S.C. 1681b, which governs permissible purposes for accessing and reporting consumer information. I assert that these accounts were created and reported unlawfully, and I never provided consent for such reporting.

I have attached an identity theft affidavit and additional supporting documentation. Please ensure these accounts are removed from my credit reports immediately.

I request written confirmation of receipt of this dispute and updates regarding the resolution process. I also remind you of your obligation to address these violations promptly under 15 U.S.C. 1681i.

Thank you for your urgent attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX has violated my rights. XXXX XXXX XXXX section XXXX A. XXXXtates I have the right to privacy. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

i filed this complaint in XXXX or XXXX of this year XXXX XXXX ) and previously and transunion still has not fixed the issue. They are reporting incorrect addresses for me and attaching info on my credit report related to the addresses. I have reported though this website and to transunion on several occastions now that i do not live on XXXX XXXX and have not since XX/XX/XXXX. I would like the information to be reflected correctly. I have provided proof to them and through consumer financial protection bureau that proves that I was not at that address at the timeframes they have listed on my credit report. They have instead chosen to ignore information from the electric company verifying my actual address at the time they claimed i was on XXXXXXXX XXXX they have decided to come up with illegitimate reasons to prevent updating he info to the correct information. They are a part of the fraud and crime that exist in the country. i would like my information corrected to reflect the correct information. my mail is currently re-routed and not delivered to me because between transunion and the us postal service, they crime and theft ring just keeps growing.
Product: Checking or savings account

Opened account on XX/XX/XXXX and deposited money the same day. Attempted to transfer the funds to another bank account using XXXX on XX/XX/XXXX. My account was then blocked. 

I was told by customer service that the hold would be XXXX hours, but it's now been 5 days and the account is still blocked. I visited a branch location but they were unable to help. 

I called again today and was told the account would be closed and it would take XXXX days to get my money back thru check.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I pulled my credit report because I was applying for a mortgage and noticed I had a fraudulent account on my credit profile. XXXX XXXX XXXX XXXX for {$5000.00}. I am a victim of identity theft and placed a security freeze on all XXXX credit bureaus since then and I would like for this account to be removed from my credit profile
Product: Money transfer, virtual currency, or money service

Approximately six weeks ago, we ( my wife and I ) became the victims of a group of individuals posing as agents of XXXX, XXXX who would help us secure our account which they claimed had been breached. We had been in contact with them by phone almost daily. During the ensuing weeks, they had withdrawn small amounts from our accounts which were reversed almost immediately. They told us that this activity was necessary to secure the accounts and to monitor them. 

On XX/XX/2022, I noted that there was an unauthorized wire transfer from our Wells Fargo joint checking account to XXXX XXXX XXXX  in the amount of {$4100.00} plus a {$30.00} fee. I contacted Wells Fargo Fraud Department informing them that the transfer was unauthorized by us. The wire transfer was posted on XXXX. We received a letter from Wells Fargo stating that because the wire transfer was made using our user id and password, Wells Fargo will not reimburse us. Note, I notified the fraud department prior to the wire transfer as per Well Fargo procedures regarding wire transfers. Furthermore, we were never notified that the wire transfer was completed. Their regulations are vague regarding how they were to notify us.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because TransUnion has failed to remove a fraudulent account from my credit report, despite my requests. This account is not mine and has been identified as fraudulent. I am currently in the process of purchasing a home, and this inaccuracy is causing significant issues. 
Under 15 U.S. Code 1681e ( b ), TransUnion must ensure maximum possible accuracy in my credit report. Per 15 U.S. Code 1681i ( 5 ), any unverifiable or inaccurate information should be promptly removed. I am urgently requesting that TransUnion remove this fraudulent account to prevent further harm to my credit.
Product: Student loan

on XXXX XXXX XXXX I paid XXXX to Great lakes to payoff my Student loans for XXXX College for our one semester in Spring/Summer of XXXX XXXX XXXX XXXX XXXX XXXX Has been closed Since XXXX of XXXX Because of the 48 hour special We would like Great Lakes to Return Our Money Since This School XXXX College Never fulfilled their obligations For their Students Thank you for your time and hopefully for your future Integrity..
Product: Credit card or prepaid card

The Chase Credit Card Company is running a scam! They overcharged me {$820.00} this month, and when I went to check my charges ( like I do every couple weeks ), I caught this. Last Monday I submitted a request to get this refunded back into my bank account, and they said I have to accept an email that will arrive in 48-72 hours... I set an alarm on my phone to check everyday, and after almost a week of not seeing anything, I checked one last time today, and sure enough they sent it at XXXX last night, with an expiration to accept the money by midnight TONIGHT or I wouldn't be refunded!!! This is an unacceptable solution to a mistake THEY made. If I didn't check my email between XXXX ( like they were probably hoping I would forget ), I wouldn't get my money back! I also spoke to a customer service representative today before checking my email one last time, and he said to just keep checking this week ( knowing that there's an expiration/time-limit to receiving this email )! This is WRONG. How many other people are they doing this to?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 15 U.S. Code 1681c-2 A consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b-Permissible purposes 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN INSTRUCTION to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of negative accounts listed IMMEDIATELY!
Product: Debt collection

I received the attached debt collection notice from this company and I do not feel they possess any of the proper documentation to prove that I owe this debt. I have also sent to them the attached letter and I am requesting full documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

[ 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] Dear Sir or Madam : [ XXXX XXXX XXXX ] I am a victim of identity theft. The thief [ made a fraudulent transaction in my name. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me with copies of business records relating to the fraudulent [ transaction/account ] identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic.

Please provide all records relating to the fraudulent [ transaction/account ], including : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Please send these records to me at the above address.

[ If applicable : In addition, I authorize the law enforcement officer who is investigating my case to submit this request on my behalf and/or receive copies of these records from you. The law enforcement officers name, address and telephone number is : [ insert officer name, address and telephone ]. Please also send copies of all records to this officer. ] Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

How 15 U.S.C. 1681 ( a ) Demonstrates the Unfairness of XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Late Payment Reporting The late payment reporting by XXXX XXXX XXXX XXXX XXXX to credit bureaus is fundamentally unfair under 15 U.S.C. 1681 ( a ), which establishes Congress 's findings about the importance of accuracy, fairness, and respect for consumer privacy in credit reporting. Here 's why : Inaccuracy and its Impact on the Banking System : Section 1681 ( a ) ( 1 ) highlights that the banking system relies on fair and accurate credit reporting. Reporting my payment as late when it was made in accordance with my obligations ( or disputable otherwise ) creates inaccuracies that not only harm me as a consumer but also erode trust in the banking system as a whole. 
Unfair and Unjust Reporting Practices : Section 1681 ( a ) ( 4 ) mandates that consumer reporting agencies and their partners operate with fairness, impartiality, and a respect for consumers ' rights. XXXX XXXX XXXX XXXX XXXX XXXXXXXX decision to report the payment as latedespite applicable protections under the Truth in Lending Act ( 15 U.S.C. 1666b ) violates these principles. Such reporting undermines my right to privacy and fairness.

Failure to Ensure Accuracy and Confidentiality : Section 1681 ( b ) states that credit reporting systems must meet the needs of commerce in a fair and equitable manner while upholding confidentiality and accuracy. XXXX XXXX XXXX XXXX XXXX XXXX actions in reporting this late payment contradict this requirement by creating an inaccurate record, which could result in undue harm to my creditworthiness and reputation. 
Violation of Payment Timing Protections ( 15 U.S.C. 1666b ) : According to 15 U.S.C. 1666b, a creditor can not mark a payment as late if it was received by XXXX XXXX. on the due date in the correct amount and format. If XXXX XXXX XXXX XXXXXXXX XXXX reported my payment as late when it met these criteria, they directly violated this provision, further compounding the unfairness of the reporting. 
Request for Resolution To rectify this unfair and inaccurate reporting, I request that XXXX XXXX XXXX XXXX XXXX XXXX XXXXRemove the late payment entry from my credit report immediately. 
-Notify all relevant credit reporting agencies of this correction to ensure that my credit report accurately reflects my payment history. 
-This action is necessary to restore fairness and accuracy to my credit report, as required under the Fair Credit Reporting Act and the Truth in Lending Act.
Product: Money transfer, virtual currency, or money service

My XXXX and wallet were stolen. A transaction was made via Apple XXXX from my bank account to an unknown and fake phone number in the amount of XXXX XXXX I contacted Apple and opened a case. I was told XXXXXXXX XXXX XXXX  would handle. It was declined with no information given as to why it was declined. All cards were canceled and replaced along with license.
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Validation and Credit Report To Whom It May Concern, I am writing to formally request a copy of my credit report and to validate all information contained therein in accordance with the Fair Credit Reporting Act ( FCRA ). As a consumer, I am entitled to a clear and accurate representation of my credit history.

Please provide : 1. A complete copy of my credit report.

2. Validation of any accounts or items that may appear on my report, including details of the creditors and original account.

If additional documentation is required to verify my identity, please let me know promptly.

I expect this request to be fulfilled within the time frame allowed by law ( 30 days ). Failure to comply may result in further action. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

See attachment : In the three attached credit files ( XXXX, XXXX, Experian ), you will find alleged inquiries both 'hard ' and 'soft, ' and alleged accounts that are vehemently unlawful pursuant to Title 15 U.S. Code , Chapter 41 1681 ( b ) 1681 ( i ) and in violation of The Truth in Lending Act ( TILA ), Title 15 U.S. Code 1601 et seq. and specifically 1635 ( a ).

These alleged inquiries, both 'hard ' and 'soft, ' and alleged accounts also are non-conformant with the Metro 2 Format outlined in your own Credit Reporting Resource Guide ( CRRG ), 2020 et seq.
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. 

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 XXXXXXXX has violated my rights. 

1

5 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 never Lived at XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX and I keep telling the credit reporting agencies that yet they continue to say it's been verified but that's impossible because I never lived there I don't know anyone who lives there and they claim they don't have to show us how it was validated so what else can I do? Can I sue them for all this false information they'er reporting because there is absolutely no proof of me living there because I never did. Also all those treasury items should not be listed because first of all there from my employer paying my medical coverage while I was out of work for XXXX and once I returned they released me so I resigned. Now how can they expect me to pay anything when their the ones who also handling my pesion which took them forever because they retaliated against me because I needed time off.
Product: Credit card

Regarding Comenity acct # XXXX Identity, thieves have completely overr-un my accounts and created situation where I may have to close my doors until further notice.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed i had fraudulent accounts on my report. ive called to ask questions about the debt that they could not answer. 


I tried to upload my driver 's lisence, social security, and proof of address. but this website wont take files over 10MB
Product: Student loan

My complaint is regarding the Public Sevice Loan Forgiveness program servicer, Fed Loan Servicing at XXXX ( PENNSYLVANIA HIGHER EDUCATION ASSISTANCE AGENCY ). I have been attempting to go through the PSLF process since XX/XX/2017 after making 10 years of on-time payments while employed with a qualifying employer. Because of the whole " qualifying payments '' misinformation, I was directed to the Temporary Expanded PSLF. I was also denied for this process, again, because I was given bad information by XXXX XXXX XXXX. The entire PSLF process is just a rouse. They make the process purposefully cumbersome and purposefully provide bad information so that they can perpetually deny the applications they receive. It was easier for me to purchase my $ XXXX house than get through the PSLF process. This program never should have been given to a private servicing firm outside of the DOE, and of course, now that XXXX XXXX is in charge of it, nothing moves forward to help student borrowers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Open date : XX/XX/XXXX Paid in full XX/XX/XXXX XXXX Account : XXXX XXXX date : XXXX XXXX This account is still open paid as agreed Credit acceptance XXXX Open XXXX XXXX Balance is reporting inaccurate XXXX Balance XXXX XXXX XXXX Open XXXX XXXX XXXX XXXX Account has been paid off XXXX XXXX