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

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX BANK XXXX XXXX. ) XXXX. I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of the account with the original creditor which show XXXX completely different balances. Furthermore, the original creditor stated that the account was sold to the Recoveries dept. This debt you are claiming on my credit report is not mine and I was given no evidence of my obligation to pay this debt to this collection agency named XXXX. The FCRA requires you to verify the validity of the item within 30 days in which you failed. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under then FCRA. I look forward to an uneventful resolution of this matter.
Product: Money transfer, virtual currency, or money service

I am finally a complaint against cash app block, ink. Due to any adequate customer service and unfair practices, which violate the consumer financial protection act cfpa. Specifically, cash at failed to take timely and effective measure to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Farthermore, they're dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fun insurance. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

First off, I used an online application form offered by nelnet to fill out a request for a repayment plan. After I was finished filling out their form on their website, they said it was complete and they would request more information if they needed it. 1 month later, I receive notice on my account that I owe a large amount of money within a few days, which should not be so if they properly processed my application. I then call their customer service and I tell the representative about the application I filled out on their website, the note that they will contact me if necessary, and the confirmation email. She tells me that there is absolutely no record of that application and also adds " I would never trust anything online '' in reference to their website. She then tells me that I must take a forebearance on my account to give them time for me to fill out the forms all over again and for them to be able to process these forms. This adds several thousands of dollars of interest to my loan. I agree to it because she convinces me that this is the only option for me, as it will take a long time to process the new paperwork. 
This began in XXXX and I have been having trouble with them ever since and emailing back and forth about paperwork they need in order to finish processing the application -the customer service agent told me it would take 1 month. This last Friday, after several confusing emails, I called their customer service. I was told that the original online application that I had filled out on their website in XXXX, was clearly visible on my account according to their system. It also stated that all that was needed was XXXX piece of documentation regarding proof of income. Even though the online application told me in the confirmation I received that they would notify me if any more documentation was needed by them, I had received nothing. Also, my application that I had sent months ago, suddenly appeared. I mentioned to this customer service agent that it seemed really fishy that a few months ago their company would tell me that they lost my paperwork entirely and forced me to take a forebearance and add significant interest to my account, and suddenly the original paperwork is clearly visible in their system and all I would have had to do is send XXXX piece of paper that I could have sent within 1 day. He said absolutely nothing and remained silent until I asked a different question. 
I feel as though I have been scammed out of money. I am not a rich person, and that is very clear to Nelnet. For some reason, they decided to take advantage of my situation and my desperation to not let my loan go to collections. I hate to wonder how many other individuals in my same situation, have been scammed by this parasitic company.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Product: Credit reporting or other personal consumer reports

I am so happy that the XXXX and XXXX Credit Bureaus have removed all the fraudulent inquiries I requested them to remove. The Experian have removed some fraudulent inquiries but there were still three more that I needed the Experian to remove. I once more request the Experian to please REMOVE these listed inquiries from my Experian Credit Report : EXPERIAN : XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/2023 I mobile deposited a pension check with Citibank. My account is fairly new about a month or 2 old and this was the first large deposit that I had made. On XX/XX/XXXX I attempted to access my mobile banking through their app to check the status of my deposit, but for some reason I was unable to log in. I then called your customer service department who informed me that my account had been blocked due to suspected check fraud. After providing the details to the person on the phone in the fraud prevention department they then called the payor of the check and verified that the check was indeed a legitimate check. I was then told it would take two to three business days to get my account unblocked. Which is far too long for this day and age. 
Then I received a notification on XX/XX/XXXX that the funds were available in my account therefore the check has cleared and been cashed yet I'm still unable to access my account. 
I called back to the fraud prevention unit and customer service to figure out why I am still unable to access my account I am then told that my account is being closed but nobody can tell me why exactly they're closing the account they cashed the check so they can't be closing the account because of check fraud. So I have been on the phone on XX/XX/XXXX now on and off for about 5 hours speaking to and getting the runaround from multiple individuals, no one can get me through to someone who can answer my questions and somebody that can unblock my account. 
Mind you initially this check is literally from a payor listed in the Citibank direct deposit list and my account is currently in the process of being set up for direct deposit from this payer and yet still they flagged the check. 
They verified the details but are still closing my account with no explanation so now I am stuck in a situation where the check has been cashed so I can not put a stop on the check. I can't have the check reissued because it's been cashed already " days ago '' according to the woman at XXXX XXXX which is the bank that issued the check.They 're literally holding my money hostage.
Product: Checking or savings account

My bank account was stolen from past 2 months. And there was total 6 unauthorized transactions billed from XXXX of the city of 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 Our XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX and by our research the XXXX is a utility company located in XXXX XXXX which clearly its not from us and the card or account was been stolen. 

We have been contacted with the Citibank but what we get is they cant dispute for us and we have to contact merchant directly and which support be the bank duty to do. And we ask to change our account number to keep our account safe after we noticed the first unauthorized transaction but the bank denied that and making the thing worth which made total 6 transactions and over XXXX XXXX dollars. 

We would ask for help based on the fact now on and how could we get our money bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response  received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no record of me ever living at this property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, yet there is an eviction filed in my name and reporting to my renters history. The management company and the actual property has no record of me ever living there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover has stated to the credit bureaus for several months that my account was properly investigated and update but how is that possible if this about is reporting inaccurate high balance, inaccurate date of last activity, inaccurate payment history, and inaccurate last payment date. This is ground for removal. This also violate my rights under FCRA 15 U.S.C 1681 section 602 A. I have the right to privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to add my son to the family plan for several months after Equifax moved to myEquifax. I was told that I needed to send in documentation of guardianship. I mailed it in in XX/XX/2021 with certified mail ( received the stub ), but was told that they did not receive it. I then faxed it in in XX/XX/2021 and received confirmation that my fax went through, but yet again was told that my information was not received. I find it extremely disconcerting that a credit monitoring service that is suppose to monitoring and protecting my credit keeps telling me that my personal information that I have sent in is no where to be found in their system. Furthermore, every time i call, I am transferred to multiple people who do not seem to know what is going on. Today, I was transferred to XXXX different agents and was on the phone for XXXX hr XXXX minutes without any resolution. I am extremely frustrated and dissatisfied with Equifax 's service.
Product: Credit reporting or other personal consumer reports

'' I am filing this FTC identity theft affidavit to report multiple fraudulent accounts appearing on my consumer FiCO credit report, which I do not recognize as reported and which result from identity theft and fraud. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease under my rights within the FCRA and FCDPA laws. '' these fraudulent accounts consist XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent collections on my consumer and FICO credit reports. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FDCPA laws ''.

These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts and collections are a result of identity fraud and theft. I have attached a copy the FTC identity theft criminal complaint # XXXX as proof from the US Federal Trade Commission that all of the aforentioned consumer credit accounts and collections are the result of theft and fraud.
Product: Payday loan, title loan, or personal loan

Credit got worse had people names pop up on bank accounts denied credit in trouble with irs credit is messed up cant do nothing and XXXX  and a vulnerable adult with a XXXX XXXX
Product: Student loan

From XX/XX/XXXX - XX/XX/XXXX, I attended graduate school at XXXX Washington University. I took out federal and private student loans to pay for school and housing needs. The total amount of private loan debt that I had taken out during that time was {$26000.00} with XXXX. After school, I had difficulty making payments since the interest rate was variable ( although I was almost certain that I agreed to a fixed rate only ). To make the payments smaller, I had consolidated the private loan with a fixed rate of 10.50 %. The loan was eventually transferred over to Discover Student Loans and I am currently in good standing with them. The current loan balance is {$33000.00}, in which I have paid {$18000.00} in principal and interest to date. I have tried to refinance my loan with several institutions, but I am continually denied. The reason that is given to me is that I do n't make enough money. I just had my XXXX child, and making these payments is extremely difficult. I would like to see the light at the end of the tunnel. I do not want to go into default, but I feel that I will be paying these loans forever unless I can get them refinanced to a reasonable rate. I do n't know what to do. I have sought the advice of an attorney and an accountant - both who feel that I do n't have any options except do very detrimental things to my credit and ultimately not be able work out a better deal for myself. I am desperately seeking advice on this! PLEASE HELP!
Product: Checking or savings account

I have checking and saving with DCU I notice some transaction on my account that I did not authorized from XXXX XXXX that bank approve without notifing me about these large withdrals I did not that I had that money in the bank because I apporoved for a loan and I did not no I got the loan the money was take out with in a 2 month and did not know I had got loan until 2 year later when I saw it on the XXXX XXXX  statements The bank refuse to get the money back because said I lodge in to my account and I should have the transaction the bank call me when I spend a small money and lock my acount if I do not aswer them back If i new I had that money I would be aware of the missing money
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation credit card WELLS FARGO CARD SERVICE FRCA Violation real estate loan late payment XXXX CARES ACT Violation personal loan late payments XXXX FRCA Violation other loans XXXX XXXX FRCA Violation hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation collections  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personally-identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Product: Student loan

I made a payment with Edfinancial on XX/XX/XXXX of {$100000.00} towards my student loan balance of the identical amount with the option of auto-allocate selected. Upon rechecking my balance on XX/XX/XXXX I saw that there was a balance of {$9000.00} with the loan servicer having allocated an additional amount on one of my other loans for some reason, which left me with one loan at- {$9000.00} balance and a {$9000.00} balance on the other. I tried to call the company on XX/XX/XXXX, but the wait time was over 1.5 hours and I have to be at work and focused. Tried emailing the company which stated a 2-3 day response time. It's now been 4 business days with no resolution. I tried calling back again on XX/XX/XXXX at which point I was met with a 100 minute waiting time. I am worried that they will start fraudulently charging interest on my loans because of a mistake that THEY made.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft as a result of a recent data breach. This incident has led to the unauthorized opening of accounts in my name, as well as unauthorized credit inquiries. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am formally requesting that you immediately block and delete the following fraudulent accounts and inquiries from my credit report : Fraudulent Accounts : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXX XXXX XXXX XXXXXXXX XXXX  Date of Inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my 23rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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: Vehicle loan or lease

I went for a car loan that I've already had to refinance. The interest is so high it's like they are double dipping. I feel like I will never pay this loan off
Product: Credit card

I obtained a secured credit card with Citibank XXXX years ago to enhance my credit score. The trade line on my credit report had perfect payment history. My vehicle was stolen along with my wallet in XXXX 2015. All of my credit cards were replaced. The stolen card and replacement cards for Citibank were accurately reporting until XXXX. XXXX credit bureaus have verified that the account was deleted by Citibank " due to fraud ''. I have contacted the bank numerous times to please re-enter the cards because it is adversely affecting my credit score. Several account managers have advised me of ways the company would correct the mistake. I received a letter attesting my account and payment history but it has not been rectified on any of my credit reports. The last person I spoke with on XXXX/XXXX/2015, XXXX XXXX, executive assistant at Citibank, assured me that she would personally call her contacts at each bureau and fix the problem by close of business on the day we spoke. I have left several messages for XXXX XXXX and have not received a return call. My credit report has not been corrected as of this writing. The account is open and current.
Product: Credit reporting or other personal consumer reports

I have disputed the accuracy of this account before and the errors/inaccuracies are still being reported. I demand that they delete this information immediately.