23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2022, someone fraudulently deposited a {$1200.00} check into my checking account. The banking institution used for the deposit was made about XXXX miles away from my residence and local banking branch and most likely garnered my checking account number through social engineering and forged my signature. 
On XX/XX/2022, this same person made an in-person withdrawl of {$500.00} against my account at a different branch which was found to be in a neighboring state. 
A customer service email was sent following these transactions on Wednesday XX/XX/2022, a customer service email was sent to me asking me to complete a survey regarding the quality of customer service. This flagged me to look at my account as I did not utilize or interface with any customer service representative in recent days. In seeing this email, I looked at recent activity and found the fraudulent deposit and withdrawl. This was found late in the business day on XX/XX/2022. 
XX/XX/2022, the account holders, myself and my wife, visited our local branch to file and report the fraudulent activity. 
XX/XX/2022, after visiting my local branch for a status update, I was told that this claim was denied after reviewing " proper documentation ''. I asked if video was reviewed and it the representative confirmed that video evidence was not reviewed. I've asked a different representative to re-open the claim. When examining the signatures on the deposit and withdrawl, they do not match my signature as I always sign my middle initial and that is excluded on the manual transactions.
Product: Mortgage

The last time my mortgage went in to foreclosure I wasn't notified. I found out because a realtor had called my mother in laws house phone looking to buy my house. I called Wells Fargo, they said I had a couple days to send in the paper work for a mortgage modification loan. I sent in the paper work the next day and had to wait 48 hours for them to get back with me and when they didn't I called them and they said they never received the paper work. I had a conformation from the fax proving I sent in all the correct paper work but I was told it didn't matter and it was too late now. I had to file bankruptcy in order to keep my house. Because of that bankruptcy I haven't been able to do anything financially like get a car loan and my cars are falling apart. I'm driving a XXXX and a XXXX and I'm putting money into them monthly to keep them going because I can't get a loan. The bankruptcy takes almost XXXX a week out of my paycheck and it's been a huge struggle just to survive. I have a wife and XXXX kids and I've had to work 7 days a week and my wife works 2 jobs just to survive. This is the 3rd time I've sent a complaint threw you guys and everytime Wells Fargo says they didn't do anything wrong and I never sent in the paper work. A couple weeks ago I got this letter saying they apologize for making a mistake when I applied for the modification loan. They also sent me a XXXX XXXX dollar check. I will not cash that check. They owe me way more. They've done this to so many people and everyone has been compensated way more. I deserve more than XXXX XXXX dollars for the five years of struggling because of them.
Product: Debt collection

Chase Auto told my husband that we didnt owe anything else when we asked them several times. We requested the buy out documents from chase to give them the credit union to process our car loan to buy our lease. The credit union failed to process the loan on time and didnt communicate with us. Chase claims they sent out a notice on XXXX XXXX to us but we never received it but Chase Auto loan is blaming me for that. Anyways, I just received two separate letters both dated on XX/XX/2021. One letter is stating basically that my account is passed due and the other one stating that if not taken care of within 10 days from when the letter is dated, my car will be repossessed. I paid it today because it was just communicated today through these two letters. My credit score dropped 136 points as a result to chases lack of communication. Chase always sends me a live bill and once they became aware that I was taking my loan business to the credit union, they suddenly decided not to send me a live bill for the first time in 3 years? Like they wanted to purposely watch me fail? They expected me to know to go online and check that I had a balance after they originally told me I wouldnt owe them anything anymore but owed the credit union from now on. But yet Im being held responsible even through I never got the first letter nor a live bill? I had perfect credit and so did my husband. But they ruined both. Why would we in our right minds decide to mess up our credit scores on purpose? It was all done without our knowledge. Why would we be perfect on making payments to chase throughout the whole lease and purposely want our credit score to go from 800 something to 600 something? The answer is we wouldnt. Please help. I have never been late making my auto payments and would have appreciated a expected a call from them out of respect since I have been a good customer. It was a lack of communication.
Product: Student loan

Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 
Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 
At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations XXXX XXXX XXXX Summary and Statements of Facts. 
We are asking you to take immediate steps to : Approve all outstanding XXXX XXXX applications for students who attended these institutions. 
Discharge all loans associated with fraudulent practices, including consolidated loans. 
Repair borrowers credit reports to reflect the removal of these fraudulent debts. 
Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX XXXX, but this dream was stolen by the very institutions we trusted to help us achieve it. 
We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 
Thank you for your attention to this urgent matter. 
Sincerely, Students & Graduates of XXXX XXXX
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/2022. And now we are in the month of XX/XX/2022 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. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that remains on my credit report despite previous disputes filed with your agency. The failure to correct or remove this information after my attempts to resolve it is in violation of your obligations under the Fair Credit Reporting Act ( FCRA ), as recently highlighted in the Consumer Financial Protection Bureau 's ( CFPB ) law suit against Experian ( Case XXXX ). 

My dispute failed to reflect accurate investigations. For instance XXXX USC XXXX ( a ) 1 challenges the 30 day response time. 

XXXX USC XXXX ( a ) 6 ( B ) XXXX investigation protocol. 
XXXX USC XXXX ( a ) ( 5 ) B challenges reinsertion protocols.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that XXXX and TransUnion Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022.
Product: Debt collection

This company showed up on my credit report and they were reporting a late payment to them as of XXXX of XXXX. I have never done business with this company so I dug around a little more and found out they purchased an old debt that was owed to XXXX XXXX and they are now claiming it on my credit report as new debt and saying it is late. They legally are not allowed to do this ; they can report it as debt because they bought it, but they are not allowed to report it as new or use this current date to start claiming it is late. The original debt dates back to XXXX, I believe and the original amount owed to XXXX was around {$170.00}. They are now trying to say I owe over {$200.00} and saying it is new and just now starting to be claimed as late. I am not going to sit here and have them abuse the laws of consumer collections and lie about an account that was never theirs to begin with. I want it off of my credit report as a new account with late payments reporting. These people reached out to me once via text and I declined the text message. I do not plan on paying them anything and I will get XXXX involved if they continue to practice deceitful collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting the following accounts have violated my rights : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions.
Product: Checking or savings account

I have XXXX in my checking account from citibank. Call citibank they said they will send out around XXXX in another 30 to 60 days which i already have to wait 2 months since XX/XX/XXXX. Please anybody help.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2023 GOT AN EMAIL FROM CREDIT KARMA WITH CREDIT REPORT. WITHIN THE REPORT WAS AN ENTRY STATING THAT I OWED XXXX XXXX XXXX  I OWE THEM NOTHING NOR HAVE I EVER BANKED WITH XXXX XXXX
Product: Credit reporting, credit repair services, 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. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$7900.00}, XXXX XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$5700.00}, XXXX XXXX  XXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$5600.00}, XXXX XXXX  XXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$3600.00}, XXXX XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$2000.00}, XXXX XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance XXXX {$1400.00}, and XXXX  XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance XXXX {$1100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the XXXX and SYNCB Network and SYNCB/XXXX The Account Opened is SYNCB Network Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$25000.00}. The Account Opened is SYNCB/XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX/XXXX/XXXX CFPB # account XXXX Date XXXX/XXXX/XXXX Dear TransUnion Re : Account Name and Number According to the Fair Credit Reporting act ( FCRA ) it is your responsibility to make sure a creditor provides a clear reason along with permission before releasing a credit report of a consumer. 

I request you to show me these companies below met the proper requirements of the FRCA on the dates listed by providing me the hard inquiry. PLEASE PROVIDE THE PROOF AS REQUIRED BY LAW. 

XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX If you are not able to do so, please remove this inquiry immediately. I am providing my social security number ( XXXX ) to assist you in making this transaction a little easier and faster. 

Thank you for your time, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent 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 XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX I sent XXXX XXXX  XXXX a fourth complaint as well as CFPB to do an investigation and of an account on my credit report. The account is showing a balance of {$240.00}, which is inaccurate. I do not owe them any money. This account status is also stating charged off with a balance which inaccurate. This account also appears to re-aged charging off or collections back in XX/XX/XXXX. Your investigation from complaint # XXXX, XXXX, XXXX, XXXX shows the account was updated. What was updated? Who did you speak with? I am demanding that this inaccurate and incomplete account be deleted from my report. According to FCRA violations and FDCPA violations. The original creditor has NEVER sent any information to respond to any of my request for an investigation. How are the able to update and illegally re-age this account?
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute several inaccurate entries on my credit report. Upon reviewing my credit report, I have identified the following inaccuracies and would like to have them investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which mandates the investigation of disputed information within 30 days.

15. Account Validation Request - Creditor Name : XXXX XXXX - Account Number : XXXX - Requested Action : Delete account. 



XXXX XXXX XXXX Request for Investigation and Removal : Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ), I am requesting a thorough investigation into these items and their prompt removal if they can not be validated or corrected. Please ensure that all errors are corrected and that any unverifiable information is deleted from my credit report. 

Additionally, in accordance with 15 U.S.C. 1681i ( a ) ( 6 ), I request that you provide me with an updated copy of my credit report reflecting any corrections or deletions made. There should be no fee associated with this updated report.

Please ensure that any relevant parties who have received my credit report within the past six months are notified of these corrections, as stipulated in 15 U.S.C. 1681i ( a ) ( 5 ).

I look forward to your prompt response to resolve these inaccuracies. Should you require any additional information to complete this process, do not hesitate to contact me. Thank you for your attention to this matter.
I expect a resolution within the required 30-day period as mandated by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello I XXXX XXXX is not a third party is depressed because XXXX and XXXX did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent XXXX and XXXX my ftc report over XXXXover and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me XXXX XXXX because this is causing damaging to the character of my name please please help me I've been thinking XXXX XXXX because of these issue with XXXX and XXXX because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and depressed because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my XXXX kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, e pleasseeeeeeee its been over 198 days still no response from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit companies deletes my collection for  XXXX   XXXX   XXXX ,  XXXX  and   XXXX    XXXX  but then adds it back with a new date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to Transunion, XXXX and XXXX asking them to take action to get my inquiries removed from their records and to remove any record of the inquiry with all credit reporting agencies. A police report was uploaded to each company regarding the unauthorized usage. Please investigate these inquiries at your earliest possible convenience to ensure my credit score is showing an accurate depiction of my creditworthiness.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. There is a late payment reporting on XX/XX/2023 which I know for a fact was paid on time. The consumer reporting agency needs to report all information with complete accuracy. I'm now requesting that the late payment reported on XX/XX/2023 be updated to paid on time immediately. I recently contacted my creditor to discuss the late payments listed on my account, and they confirmed that I have no late payments in. Despite this confirmation, the bureau has refused to delete and remove these inaccuracies, leaving me feeling taken advantage of and powerless.Thank you for your understanding and prompt action. I have included the account number below. 

Account # : XXXX
Product: Money transfer, virtual currency, or money service

I had advertised items for sale and XXXX XXXX accidentally pushed a wrong button and now venmo will not return the guys money to him.