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

I contacted this company REVVI there was an inquiry from them on my credit report as I know I never applied. The credit bureaus supplied me with their phone number and when I spoke to them I found out there was an entire account recently opened under my name. I LET THEM KNOW I NEVER AUTHORIZED THEM OR ANYONE to open any accounts under my name and social and to remove that immediately. And also never lived at the address they have repeated to my credit report either attached to this account! 
Especially since I caught it early via the inquiry. 
Now weeks later they still have the account OPEN and had actually placed it on my credit report even AFTER me contacting them about the fraudulent account KNOWING that it is fraud. If they do not remove me out their system and delete this FRAUDULENT INFORMATION off my credit report I will take legal action against them as they have been TOLD already and have done NOTHING except proceeded to place account itself on my credit profile and keep the account OPEN. I willl be filing a complaint with The FTC and all other government agencies due to the unethical practices of this company, should they not remove me out their system and off my credit reports as they are supposed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

DEPTEDXXXX XXXXXXXX {$9300.00} DEPTEDXXXX XXXXXXXX {$3600.00} XXXX XXXX XXXX {$500.00} XXXX   XXXX {$430.00} DEPTEDXXXX   XXXX {$9500.00} US DEPT ED XXXX {$6000.00} XXXX XXXX   XXXX {$450.00} XXXX XXXX XXXX {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, nor benefit from, or authorize any of the following accounts : BMW FINANCIAL SERVICES {$21000.00} BMW FINANCIAL SERVICES {$3000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent over serveral affidavitts about this fraudulent items and most of the fraUD ACCOUNTS WERE DELETED EXCEPT 2. XXXX XXXX XXXX ACC # XXXX, OPEN ON XX/XX/18. THE 2ND ACCOUNT IS XXXX XXXX ACC # XXXX, OPEN ON XX/XX/18. THESE TWO ACCOUNTS GOTTEN REINSERTED ON MY CREDIT REPORT WITHOUT ANY DOCUMENTATATION OR PROOF.i PROVIDE THE POLICE REPORT AND THEY STILL WONT DO ANYTHING.
Product: Mortgage

On XX/XX/XXXX I called 21st Mortgage Corp. to see if my check # XXXX {$390.00} was received for my XX/XX/XXXX mortgage payment which I sent onXX/XX/XXXX with first class stamp in their envelope and payment stub. I was told to wait a few days to see if it showed up. I was then called by the person I spoke with ( XXXX XXXX ext. XXXX ). that my check was not received and that I could either make a payment over the phone or wait. This has happened two times previous that my checks were not received and my account was delinquent which affected my credit. I made the payment over the phone and stated that if check showed up to contact me and or return the check. Neither occurred, on XX/XX/XXXX I noticed a second withdrawal from my bank account. I called the person to ask why the check was deposited and he said he had no control over this situation. I am on a fixed income and had to make arrangements to recoup from the additional costs As stated before this is the third time this has occurred, and it should be addressed.
Product: Checking or savings account

Wells Fargo bank has been charging ridiculous fees for transfer of funds between checking and saving account from my account due to not have a local branch available to do transaction. I'm a XXXX veteran and have call an tried to work out a solution to the fee problems. Just this last two months alone, they have been transfering my money on from checking, but when I need to transfer money from saving to protect my checking account they have been charging my account as much as a XXXX dollars in fees, I have had my sister go into the branch as explain the situation and they have said that I should close my account and go to another bank to stop the fees. I have had this account for over 22 years and there should be some type of assistance for veterans. I was sent a message on my savings account dated XX/XX/16 in regards to excessive fees that have been taken from my account and that the account would be forced closed and changed to a second checking account without my permission. I believed in my account at Wells Fargo but now my feeling have changed. I felt this type of service needed to be reported to help other veterans not suffer from this type of treatment.
Product: Credit reporting or other personal consumer reports

I already told them this info is not mines and im victim of identity theft. I need this info removed please.
Product: Debt collection

a loan application was processed and approved with my name and information in 2013.on my credit report shows i owe a certain amount to a payday loan company which I did not approve of it now has left me with a lower credit score and i am not able to take out any loans if i needed to .also I get calls from debt collectors asking me when will I start making payments. I just want this situation to be cleared out from my credit report and to stop the constant calls from debt collectors.
Product: Credit card or prepaid card

Citibank is not handling a valid fraud case, and I have opened it four times and submitted supporting documentation and each time they ignore it. My balance is now {$5300.00} account ending in XXXX. I opened this account several years ago to pay for ONE semester left of XXXX XXXX and I finished that year and then my college accidentally charged me for another semester, even though I had already XXXX, finished my schoolwork, and XXXX. I have proven this with varied documentation from my university but Citibank refuses to help even though, by Law, they are bound to do so. 

I am now XXXX and living on XXXX. I have XXXX XXXX XXXX. Citi is reporting this account to the three credit agencies each month and they have ruined my credit. I have stopped paying on this account because these charges are not mine! I have been so sick that calling in is very difficult most days but I have been able to write emails, fax and snail mail letters, and in all I have sent about 31 and I have kept detailed records of each. Citi continues to blow me off and as a XXXX person this is discrimination. I need this account to be cleared off of the Charges that are not mine which is the bulk of the balance through XXXX, University XXXX XXXX XXXX. 

I have read through my legal agreement with Citi and it clearly states this is their responsibility to do. I have also talked with a XXXX lawyer who told me to start making complaints like this one to draw attention to the issue. 

Please help me. These are not my charges! I have proven this!
Product: Student loan

I contacted Mohela on Friday, XX/XX/XXXX to ask for a refund on my payments for my loan that had happened after XX/XX/XXXX and fell within the XXXX refund period. I was told that a refund for {$3000.00} ( my payment made on XX/XX/XXXX ) would hit my account around 30 days from the time I called. The representative mentioned the first or second week of XXXX be when I would receive a refund. I asked the agent on the phone if I could get a confirmation email or if something would be shown on my account and they said they could not do anything like that. So I have no written information besides the phone call I made because they were unwilling to assist me in that matter. 

It is now XX/XX/XXXX and I still haven't received a refund to my account with my payment. Currently my mohela account shows my payment was made on XX/XX/XXXX and does not indicate any pending refund. I have attempted multiple times to contact Mohela and I wait for an extended period of time without anyone answering the phone. There is no ability to email contact Mohela which makes it very difficult to get information to my loan servicer to guarantee that my request for a refund has been processed or will be processed.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccurate Reporting of XXXX XXXX  Account # XXXX I am filing this complaint regarding the inaccurate and inconsistent reporting of the XXXX XXXX account ( Account # XXXX ) on my credit report by credit bureaus. The discrepancies and lack of proper validation of the account 's charge-off status and related comments violate my rights under the Fair Credit Reporting Act ( FCRA ). 

Details of the Issue : Inconsistent Reporting : The account is reported with conflicting details about the resolution of a previous dispute and the accuracy of its charge-off status. 

Lack of Verification : Despite the account being marked as " resolved, '' there is no clear validation or documentation to confirm the legitimacy of the reported balance, payment history, or status.

FCRA Non-Compliance : Under 15 U.S.C. 1681b and 1681i, the credit bureaus are obligated to ensure the accuracy and completeness of all reported information. The discrepancies and lack of documentation for this account fail to meet these standards.
Product: Credit reporting or other personal consumer reports

Car dealership sent my credit inquiries to banks and other lenders
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN is not correcting a dispute with XXXX. 
I can not get through to EXPERIAN on either its web site or by telephone. 

I terminated services with XXXX several years ago. 
I owed a balance of {$200.00}. I began paying XXXX {$10.00} per month. 
I confirmed with XXXX customer service and its financial departments that this plan to pay {$10.00} per moth was acceptable. 

I initiated Internet services with XXXX. A person in finance at XXXX told me I could not begin Inter net services until by balance was paid. I was told I had a balance of approximately {$45.00} dollars. 

I had tried to call the supposed collection agency that XXXX had referred ny account to and learned that they did not accept money for account balances and it appears to be a ghost or shadow XXXX operation that did nothing more than provide a means for XXXX to refer accounts so they could say amounts due were referred to a collection agency. 

I paid the {$45.00} and I am now an Internet customer of XXXX. Now EXPERIAN has impacted my FICO score by over 100 points downward. This all appears to be racially motivated and profiling of a XXXX  as well as age discrimination on the part of XXXX and EXPERIAN combined.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Reported a late payment Account name XXXX XXXX  Account number XXXX Account type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly Payment - Original balance {$34000.00} Highest balance - Terms 72 Months Balance history XX/XX/XXXX {$1600.00} Balance {$610.00} Schedule payment {$680.00} Paid on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I value my credit score a lot and the inaccuracies in my report has negatively affected my financial opportunities as well as my mental health, it is all down just like my credit score. It is really frustrating and disappointing to be consistently ignored with my requests to correct these inaccurate information on my credit report.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I filed a dispute with Capital One concerning my watch that I took to XXXX XXXX XXXX XXXX for repair. I picked up the watch, paid {$140.00}. The watch broke the next day. Merchant would not honor their guarantee, now merchant is closed. I filed my dispute, see attached letter to Capital One. They have not provided a credit or acknowledged the dispute.
Product: Credit reporting or other personal consumer reports

Paramount Recovery states that I owe {$1600.00} for a hospital bill dated XX/XX/2023. I contacted the hospital and was able to confirm that I never owed anything. The hospital was able to provide me with an itemized bill that shows this as well.
Product: Credit reporting or other personal consumer reports

With guidance from the CFPB, the required documents and a letter from an advocacy group assisting me due to debt bondage XXXX XXXX under XXXX XXXX XXXX XXXX ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I request that you block and delete the listed accounts from credit report within four business days pursuant to section 605C of the Fair Credit Reporting Act. I am indeed a victim of debt bondage human trafficking and request that all listed accounts be blocked and deleted from my Transunion credit report. 

Delete and block these accounts from my Transunion credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXXXXXX 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 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 EXPERIAN XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX EXPERIAN 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
Product: Mortgage

I am having trouble locating a release of a mortgage I refinanced out of that was previously through GMAC mortgage on XX/XX/XXXX. I've contacted the servicer that I recall was servicing the loan, OCWEN, which was unable to help us. They claim that they took on servicing in XXXX and had no records prior to that. GMAC mortgage went out of business or sold to various other parties after the refinance. We are unable to locate any party who is responsible for maintaining GMAC records closed prior to going out of business. We have contacted XXXX XXXX on advice of title insurer which believed that XXXX ( now XXXX XXXX ) took over many of the loans by GMAC.

We had to take out a personal undertaking with XXXX XXXX XXXX XXXX as a result of our inability to obtain the release. We are seeking assistance from the CFPB to assist in contacting OCWEN and other servicers to find who to contact for the release so we can discharge our potential future liability on the release.
Product: Bank account or service

XX/XX/XXXX I took a personal loan of {$10000.00} from One Mian Financial Services - also doing busines as CITI FINANCIAL. I paid for the insurance in case of illness. XX/XX/XXXX I was diagnosed with XXXX. The insurance paid, however, in XX/XX/XXXX and XX/XX/XXXX the payments were late. CITI sent my account to XXXX XXXX XXXX - their internal collection dept. My insurance paid the account bringing it current in XXXX XXXX. XXXX refused to take the account back and I continued to pay XXXX XXXX XXXX as agreed until the account was paid in full in XXXX XXXX. XXXX / One Main Financial has refused to report this. Instead, they are continuously reporting my payment as late and despite multiple disputes via XXXX and XXXX and talking to One Main directly, they have refused to update my credit report showing the account paid if full. My FICO score has now dropped form XXXX to XXXX - all because this shows I am now 120 days late with a balance of over {$5000.00}. I want this resolved as soon as possible. All late payments should be removed. The balance should show XXXX and the account listed as paid in full.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXXXXXX XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

all reporting bureaus have 4 days to fix and remove items linked to identity theft and it has been 10 days and TransUnion and XXXX are in violation by no responding to my aler and request
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a consumer by law. i did not submit this in error. I never gave experian my explicit written permission to report my private information.