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

Subject : Formal Dispute of Fraudulent XXXX XXXX Account Demand for Deletion To Whom It XXXX Concern, I am formally disputing the fraudulent XXXX XXXX credit card account appearing on my Equifax credit report. I have never opened or authorized this account, making its presence on my credit file a clear violation of the Fair Credit Reporting Act ( FCRA ). 
I believe my personal information was compromised due to multiple security breaches, including but not limited to the Equifax data breach, the XXXX XXXX XXXX XXXX and other known security incidents. As a result, fraudulent accounts such as this XXXX XXXX credit card have been wrongfully associated with my credit profile. 
Under 15 U.S.C. 1681i, I am requesting an immediate investigation into this account. If Equifax can not verify with proper documentation that I am responsible for this account, it must be permanently deleted from my credit report as required by law. 

I formally demand the following actions : Immediate deletion of the fraudulent XXXX XXXX account from my Equifax credit file. 
A full investigation into how this account was added to my report, given my history of identity theft exposure. 

Written confirmation of the removal of this account upon deletion. 
Failure to resolve this matter promptly will leave me no choice but to escalate my dispute to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue further legal action if necessary. 
Please respond within the XXXX timeframe as mandated by the FCRA. I expect immediate corrective action to protect the integrity of my credit report. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

i signed up for a walmart visa. despite my average credit line being about {$20000.00}. they approved me for {$500.00} or some insanely low amount that should have been a denial,. I immediatly contacted the XXXX number to reject the offer of credit. I was never even sent a card. however the bank insists on reporting an account to my credit report for the 5 min it was open from when I was approved to my calling to tell them to shove it. i never used this account. i was never issued a card. i never recieved a card. this should not be reflected on my credit report affecting my score as a new account. I have contacted many times but i think reps are in XXXX and just follow a script and this aint on the script. 

please remove the accounts from my reports.
Product: Credit card or prepaid card

I have been the victim of fraud. Citibank, over 3 months, have finally decided they agree with me, but have stated it has been too long to reverse the charges. I submit that their lack of timely communication, and lack of communication at all, have contributed to the fact the dispute has taken 3 months to resolve, and that I should get my charges reversed. I have dozens of documents that show my story with timeline of events.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfilln its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestagation of disputed information on my credit report, leaving innacurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to foward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Vehicle loan or lease

I went into XXXX XXXX two and a half weeks ago to purchase a car And I needed a co-signer so I asked my friend XXXX XXXX to co-sign for me. XXXX put the whole car contract in her name without permission they also lied to me about everything the monthly cost of the car note, the place I was signing on the contract. They refused to let us see the contract they told us to come back when the bank was open to pick it up. They just had a lot of fraudulent practices. my friend and I went in there to return the car and they refused. She called your company who was willing to terminate the lease and the guy at XXXX who gave your representative and us several different names refused to terminate the lease. This whole ordeal was fraud. I never received a contract to date. The car needs repairs, and I was told that the car payment would cost me {$530.00} a month, it wasnt until XXXX asked for the contract from your company that showed me a payment that I can not afford. XXXX is saying you changed the amount to $ XXXX per month. I can not afford the vehicle at that rate, and its wrong for the contract to be in my friends plus she doesnt work, and I do not want her credit to be impacted her name she not be in the loan and she doesnt have access to the car or drive it. I am begging you to terminate the contract.
Product: Checking or savings account

In XXXX a joint account between myself, my mother and sister was opened with NSB. Without our consent or knowledge they allowed us to be removed from the account and close the account. This was done without our mother having the mental capacity to understand what was happening. She was unaware that removing us meant we no longer had access or rights to the account ( s ) in question. She does not have any memory of doing this. 
Furthermore when we approached the bank in late XXXX with a valid POA to administer and manage our mothers accounts they rejected it with no reason nor explication. 
I would like to reiterate that my mother at the time this account was closed was not of sound mind nor did she have any understanding of what was happening or why it was happening. She has no recollection of making these changes and removing us from these accounts and closing them.
Product: Student loan

I applied to be enrolled in the PSLF program in XXXX of XXXX. On XX/XX/XXXX I received a response from Mohela informing me that my request to enroll in the PSLF program was denied because my employer is a non-profit organization. 

However, I am a social worker, and my position meets the requirements in the public service sector. My current employer is a state organization that provides services for a low-income community. 

I would like my PSLF application to be reviewed again for approval to be enrolled in the PSLF program.
Product: Checking or savings account

complainant filed dispute because a phone ordered from the XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX never arrived. Capital one just decided the complaint in favor of Store even though the store 's own XXXX tracking number shows it was never received by me. On XX/XX/XXXX dispute department sent me an email asking me to respond to a letter attached to the email but no letter was attached. Dispute department then denied the dispute when there is no way I received this item. It needs to be re-checked. Moreover, the receipt from the store shows that one part of the order was cancelled and the other part returned. I am attaching tracking number, receipt that shows canceled or returned and the email sent XX/XX/XXXX that has no attachments for me to respond to. It's not clear that Capital One has any evidence from merchant and they had all of this from me.
Product: Checking or savings account

We have a string of fraudulent transactions totaling approximately {$470.00} that the bank refuses to refund. We are able to provide documentation proving we were not present at the time the charges were made, but the bank refuses to accept our evidence or make any corrections.
Product: Credit card or prepaid card

I saw that I had a {$100.00} dollars in my account so I decided to do some online shopping with XXXX. I spent the {$100.00} dollars some how that threw me into overdraft? I first questioned them on that issue they said I did not have a {$100.00} and what I ordered was that amount. Okay that is fine!, But then the items I purchased were canceled by Cash App? XXXX XXXX  and threw XXXX because they didn't receive money for items I thought I paid for. My account is still over drafted even after everything was cancelled. I took screen shots of my feed with the app before I spoke with them. When I reached out after that I did not hear anything other than we are looking into it. Next thing I had noticed is the feed on my cash app is changing but I have everything I have to have anyway that is what the pictures were for because when you bring something up that is a issue with them they don't answer you for hours there is no number to call. I have tried for a whole month to receive my money. I am on a fixed income I do not have money to just throw around. I have been ignored lied to and its simple math. I need my money back its been a month already I cant wait any more I have a XXXX dollars in stocks in the account I cant use that money because they will take it for there over draft that does not exist. Please help I am so frustrated and broke. I also asked for transaction ID 's and have been denied these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my complain for you to notify or to inform you that I am a victim of identity theft and I need these inquiries on my file be deleted immediately. Please hurriedly check the date presented as I think it may be a possible mistake. Remove these informations from appearing on my credit report. These inquiries I am complaning should be disposed as soon as possible : 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

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 


1. Company Name : XXXX XXXX XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 4. Company Name : XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX - Unauthorized inquiry by Identity Theft 8. Company Name : XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 9. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 10. Company Name : XXXX XXXXXXXX XXXX  Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 11. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 12. Company Name : M XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft
Product: Debt collection

Cavalry is claiming that I owe money. I have requested that they provided verification of how I owe them anything. as of today they have n't provided any documentation.I 've never had anything to do with this company and they do n't have a signed agreement of any kind with my name on it. 
If they can provide an agreement that I have physically signed my name on then I will believe it is valid. 
Until they provide verification of them owning an account/agreement that belongs to me, I would like them to stop contacting me. 
Today ... ... .... some random lady appeared at my door with court docs and disrespected my husband in front of our kids, simply because he said I was not home, at that point he refused the documents, then she repeatedly told him she would be back with police and a court order to posted them on our house. I 'm sure the documents were from this company. 
I want this to stop unless these people has a legit agreement with my signature. 
if this is n't resolved I will continue to take this further on and submit something to Attorney Generals Office as well as the Better Business Bureau
Product: Credit reporting or other personal consumer reports

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 I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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: Payday loan, title loan, or personal loan

XXXX. XXXX  Hello, On XX/XX/2022 a letter and a check arrived from Allegro Credit, now Synchrony, for a closed account. I had made the last payments to total {$1800.00} on XX/XX/2022. There were three last payments made in XXXX dated : XX/XX/2022 for XXXX, XX/XX/2022 for {$280.00} and XX/XX/2022 for {$280.00}. I tried to log onto the allegro website, at allegro.com to capture an image of the balance and the amount of credit on my account. The site stated that it was closed because of it being fully paid. I called Synchrony bank on XX/XX/2022. XXXX asked for my account 's number, phone number, and which service or product that the loan was being used. I gave all of the answers but they did not have my account within their files. I stated that they sent a check with the wrong amount on it. XXXX said that she would ask her manager and returned later to give a phone number for Allegro.I then called Allegro Credit and was hung up on twice without finding how much credit was on my account. The first person, a female, stated that her name was XXXX or something XXXX, which I asked for her to spell for me. She hung up the phone. The second person at Allegro ( XXXX ), on the same day seemed to have a XXXX XXXX while offering to send a check for {$230.00} at this time. XXXX then asked why I was trying to play games with him, whatever that meant, and hung up the phone. 

On XX/XX/2022 I called Allegro and spoke to XXXX who stated that the account was closed but did I think that I overpaid them. I stated that when Allegro Credit XXXX  closed my account that the check should be the exact amount of credit that was earned on my account. I did not owe anything and there were no fees to be paid. It was closed by them. She hung up the phone. I called back to Allegro Credit on the same day and the lady burped in my ear and hung up the phone. I called one more time to speak to XXXX. I asked to speak to a manager, and XXXX said that there were no managers. He then said that she was talking to two other supervisors, but he could have the manager call me later. I gave him my phone number, as I knew that he was lying and made a report to the XXXX XXXX XXXX. 

The XXXX XXXX XXXX was not able to reach Allegro Credit and closed the case. At the closure of my Allegro account, I had {$1000.00} plus to be cashed. I had captured an image of {$510.00} in credit from XX/XX/2022. I had made payments from XX/XX/2022 for {$150.00}. On XX/XX/XXXX, I paid {$150.00}. I had paid {$150.00} on XX/XX/XXXX. A payment of {$150.00} was made on XX/XX/2022. On XX/XX/XXXX, I paid {$150.00}. The XXXX  of XXXX I paid {$150.00} and on XX/XX/XXXX, I paid {$180.00}. The last payments for XXXX had been listed above to total {$1800.00}. They rarely sent payment notices, but sent a payment book to remit by mail. I paid online, so I did not use either way and finish the payment plan. I need the full credits earned on my Allegro Credit union account sent to me in a cashable legal tender form. 

XXXX XXXX
Product: Checking or savings account

I have been a Bank of America customer for decades. It is my main account. I was laid-off recently and am unemployed and trying to start a XXXX. Id like to be a XXXX XXXX, but I believe Bank of America repeatedly and maliciously sought to structure and time transactions in order to charge me larger and larger fee amounts. These amounted to hundreds of dollars and put my account negative, whereas without the fees I dont think I would have a negative account balance. I called customer service in an attempt for leniency, but was denied outright. I think the representatives are paid in order to deny requests. It is very disappointing that this type of company was selected as the service provider for EDD.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Experian about an unauthorized request for my credit history from a company I have never had any dealing with. They successfully took the inquiry off my credit and I placed a fraud alert on my credit report. On XX/XX/XXXX, I discovered that they had failed to contact XXXX to place the fraud alert on that one.  XXXX, however they did. It is my understanding that whenever one contacts one of the agencies, it is their responsibility to inform the other two agencies and this was not done. Also, I have now received a bill from a debt collector telling me that I owed money on an account that I did not open. The complaint here is, WHY did the creditor not contact me the way they were supposed to by calling me to verify it was me opening the account? This one goes back to 2 years ago when I placed the FIRST fraud alert on XX/XX/XXXX. Im very upset at the fact that thieves were able to not only open accounts fraudulantly using my identification, but also that they were able to do it WITH a fraud alert in place. The company in question here was XXXX XXXX. Overall, I am very unhappy about the way this system was so easily overridden. What is the point of having a fraud alert in place if the creditors wont follow the rules and call me like the alert asks them too??
Product: Money transfer, virtual currency, or money service

I had saved up money to buy this video game account posted by some guy on XXXX. I contacted him to buy and he joined my lobby with it and everything. Then l, I sent the {$65.00} to him and he made me do it friends and family through PayPal. This transaction happened XX/XX/2018. He sent a login to the account and when I tried it, it didnt work. While I was testing the accounts, he blocked me on XXXX. I went on my backup account and asked for the login and that if he is scamming he is wrong for it. After he read it, he blocked me on that account to. I wish for my {$65.00} back from this scammer and I have his PayPal email if needed.
Product: Credit card or prepaid card

I did not receive my regular monthly billing statement for my XXXX XXXX XXXX backed credit card account. Upon receiving notification from the company that the payment was late via telephone, I traced my email records and found they did not send the statement. I contacted the company to resolve the issue and THEY CONFIRMED they had an issue sending the statement and that it did not go out that month. Even after admitting the company had an issue, they refused to refund me the late fees. Therefore, I requested the amount due minus the late fees and paid that amount in full. The remaining amount on the account is 100 % late fees charged to me but are a result of a technical issue which prevented the company from sending me my monthly statement. 

The XXXX XXXX XXXX representative admitted it was an issue caused by the system of the company and not my fault. I refuse to pay a late fee to them as I was not to blame. I paid off my account balance in full and the remaining amount is the unwarranted late fees which I am disputing. Please help me resolve this issue and remove this false claim reflecting negatively against my credit worthiness. 

Thank you in advance for your assistance.
Product: Mortgage

I have been unable to log in to my online account to check my mortgage and escrow balance, make payments, and view year-end tax-related documents. I receive the following message : " Your account can not be accessed online at this time. This can not be resolved online. Please give us a call at XXXX to discuss your account status. '' I have called several times and communicated through chat. No one can tell me what is really going on or when it will be resolved. 
XX/XX/XXXX : I called customer service and was told that someone would give me a call by Monday. No one called, and the issue remained unresolved. 
XX/XX/XXXX : I called customer service again. I was informed that the issue would be fixed by the end of XXXX, and that someone would call me or I would receive an email. Neither occurred, and the issue persisted. 
XX/XX/XXXX : I initiated an online chat to check the status of the issue ticket I had opened. I was told the issue would be resolved by XX/XX/XXXX, and I would be notified via email when I could access the online account. 
XXXX : I called customer service once more. I was informed that the issue had been closed for no apparent reason and would be escalated again. The issue remains unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek XXXX.