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

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS IN MY NAME : XXXX XXXX XXXX XXXX XXXX OPENED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX THE FOLLOWING ADDRESS IS ALSO FRAUDULENT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent letters to the credit bureaus regarding inaccuracies on my credit report. Despite this, my letters have been disregarded, and Ive been receiving responses claiming that I am using a third party. I have attached my ID and the letters for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX I contacted all three credit bureaus XXXX, XXXX and Equifax about a previous dispute of an account on my credit report for all three bureaus. This charged off account with XXXX XXXX XXXX XXXX account number XXXX currently has a balance of {$850.00} on my XXXX and Equifax report. On my XXXX report is has a balance of {$1500.00}. In XXXX of XXXX This same account had the balance of {$1500.00} in all three credit bureaus. This charged off account balance has change several times from {$850.00} to {$1500.00} without any evidence or reason why. I have ask the credit bureaus to conduct their own investigation into the matters and send me physical evidence of this account belonging to me and verified the amount is correct. They all have failed to do jus that and each month when this account goes up {$1500.00} it brings my score down even more. When I dispute this account, the only thing that happens is they lower balance down to {$850.00} and the cycle starts again. No one is actually doing a proper investigation and just changing the amount without supplying me with the proper proof that this account is accurate and belongs to me. Please assist me in these matters I want to finally build a decent credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, applications were submitted in my name and my identity have been used without my consent to fraudulently obtain goods and services. 
I have three fraudulent accounts on my credit and i did submit a ftc report to them and they blocked the fraudulent accounts, but after a month the collection companies and one of the banks unblocked the accounts with false information submitted to the three major credit bureaus, please direct all three major credit bureaus to block and delete all three fraudulent accounts listed below. 
1. XXXX XXXX account number XXXX, account was opened fraudulently on XXXX, total amount of fraudulent balance is {$5400.00}. 
2. XXXX XXXX, account number XXXX, account was opened on XXXX, total amount of fraudulent balance is {$5900.00}. 
3. XXXX XXXX, account number XXXX, account was opened on XXXX, total amount of fraudulent balance is {$36000.00}.
Product: Student loan

Recently Navient was sued for several issues. I have been with them for years and this past year they had raised my payments SO high compared to any year before that I had to put it on a hold until next year. I would like to be part of this complaint. My name is listed as my maiden name of XXXX XXXX ( currently XXXX XXXX ) account number with Navient is : XXXX. Please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

As part of financial legislation signed into law as of XXXX, XXXX, consumers could go to the websites of the three major credit reporting bureaus to freeze their credit files beginning XXXX XXXX, XXXX. On that date I went to the websites of XXXX, XXXX  and Equifax. At XXXX  and XXXX I was able to freeze my credit files on my first attempt. Since XXXX XXXX, XXXX I have gone multiple times a day to Equifax 's website only to read a screen stating that being able to freeze my credit files was temporarily unavailable to me. It is now XXXX, XXXX, XXXX and I still can not freeze my credit files at Equifax. I have tried calling Equifax numerous times only to be put on hold for approximately 1/2 hour and then being disconnected. 
What has to be taken into account is that Equifax was hacked in XXXX where the personal data of between 143 & 148 million consumers was stolen, leaving them to vulnerable to identity theft and fraud. Who's to say I wasn't one of those millions, which is why this problem of me being unable to freeze my credit files at Equifax has to be resolved without delay. Being a senior citizen living on a fixed income, I neither have the resources or good health to be able to defend myself from the fraud that always follows being a victim of identity theft. My daughter was a victim of identity theft and fraud and it was a nightmare that lasted for years before it was finally resolved. 
I am asking that the power of your agency be used to immediately reach out to Equifax to have them fix their website so consumers can freeze their credit files. In my opinion, Equifax is breaking federal law by not allowing consumers to freeze their credit files at their company 's website as written into the financial legislation of XXXX, XXXX. Thank you in advance for your attention to this extremely important matter. I look forward to your response in a timely fashion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX XXXX XXXX : {$750.00} ; XXXX XXXX XXXX XXXX : {$510.00} ; TXXXX XXXXXXXX XXXX  : {$1800.00}
Product: Credit reporting or other personal consumer reports

I purchased a credit card from Truist Bank on XX/XX/XXXX in the amount of XXXX. The card was soon charged off. Payments of XXXX plus additional fees were paid off on XX/XX/XXXX. A report was made to the credit bureau as paid in full, however, the account has been left open as not paid when this was paid off with the bank manager on date recorded above. This leaves strong negativity causing a negative status and lowing my credit score. This behavior is recorded by other banks, in the same fashion, when these accounts where paid off. I believe internal theft is taking place. I reported a state employee of unaliving my mother and every since my finances, home, cellphones, security cameras, car has been severely hack and sabatoged since XXXX XXXX XXXX in XXXX NC starting in XXXX. Mother was unalived in XXXX. XXXX XXXX. All of my resources, including my health records, I now have a criminal record, I have been poisoned, ran off road, being pushed out of XXXX different homes and banks. Pls investigate. My name is XXXX XXXX and I can be reached at XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX.
Product: Credit card or prepaid card

Reference XXXX. 

To whom it may concern, On XX/XX/2022 as an existing cardmember of Discover I was per-qualified for another credit card offer for which I've applied on XX/XX/2022. The status of prequlifying and assurance of extended speed of process as an existing card member of Discover made me consider this offer to an extent of application. On XX/XX/2022 I've received a notification that in order to finalize the application I need to give a call to XXXX and speak with Discover agent. Per this instruction I've gave a call to Discover at approximately XXXX on XX/XX/2022. As a victim of identity fraud in the past, I always make sure to take extra step to protect my information. Because of that there is a 'fraud alert ' on all of 3 major credit bureaus reports, advising lenders to verify the application with me by calling on the phone number listed on the report ( 'Method ' ). This is something I was expected to have with Discover as well as a part of the procedure. Instead I was informed about some form, issued by IRS, which needs to be signed by me ( which as I write this letter ) still haven't been received by me and then wait additional 7 business days. This is extremely confusing, frustrating and misleading, especially for a customer of 3+ years expecting streaming of the whole process.
Product: Credit reporting or other personal consumer reports

ive been a victim of idenity theft i check my credit in XXXX and notice a XXXX XXXX XXXX XXXX credit card open under my name that i didnt consent to are had any knowledge of this account. someone open and this XXXX XXXX XXXX card under my name using my social security number my driver license and my address through united states postal service mail forwarding and also used spoof my cell phone number and open a bank account with XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Procollect reported a debt for XXXX XXXX they never contacted me or sent any information about this debt. I never signed a lease with XXXX XXXX XXXX after XX/XX/XXXX when the lease ended. Procollect has refused to send me a copy of the sign lease. This new list was signed by XXXX XXXX I was separated and have court documents showing my ex husband would stay at that property and sign a new lease. I also provided Procollect and the 3 credit reporting agencies with the judges paperwork and a letter from XXXX XXXX stating I XXXX XXXX had a XXXX balance at the time of move out. This collect was placed on XX/XX/XXXX in the amount of XXXX and has been disputed more than 8 times. The credit bureaus XXXX, XXXX, and XXXX XXXX did not conduct a accurate verification of this debt and did not view my supported documents.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered several accounts that I do not recognize, which I believe may be the result of identity theft. These accounts include credit cards, auto loans, and other loans with derogatory statuses such as charge-offs and collections. Despite disputing these inaccuracies with the credit bureaus on [ date ( XXXX ) ], no resolution has been provided. 

Below are the details of the disputed accounts : XXXX XXXX  : Other loan, no past-due balance, reported as XXXX  days delinquent. 
XXXX  : Credit card, no past-due balance, reported as a charge-off. 
XXXX XXXX : Other loan with a past-due balance of {$320.00}, reported as collection/charge-off. 
XXXX XXXX  XXXX : Credit card with a past-due balance of {$4000.00}, reported as charge-off. 
XXXX XXXX : XXXX loan with a past-due balance of {$20000.00}, reported as charge-off. 
XXXX XXXX  : Credit card with a past-due balance of {$2000.00}, reported as charge-off. 
XXXX XXXX : Auto loan with a past-due balance of {$2700.00}, reported as charge-off. 
XXXX XXXX : Credit card with a past-due balance of {$490.00}, reported as charge-off. 
XXXX XXXX : Other loan with a past-due balance of {$1300.00}, reported as collection/charge-off. 
The total past-due balance for these accounts is {$31000.00}. I have not opened or authorized these accounts, nor am I responsible for these balances. 

I have submitted disputes to the credit bureaus ( Equifax, XXXX, and XXXX ) but have not received a satisfactory resolution. I am requesting the companies involved to investigate these accounts thoroughly and take corrective action to remove these inaccuracies from my credit report.
Product: Money transfer, virtual currency, or money service

automatic bitcoin transfer from coinbase to XXXX  platform stuck after depositing XXXX BTC to XXXX from external source. XXXX is the trading platform of Coinbase. 
Result : approx Eur XXXX worth of Bitcoins not accessible for approx 10 days now - Coinbase reports successful deposit from external source and reports successful auto-transfer to XXXX ( XX/XX/XXXX/XX/XX/XXXX ) - XXXX still reports transfer as pending ( status XX/XX/XXXX ) - As a result, deposited bitcoins not available on both platforms ( Coinbase and XXXX ) For approx 10 days now these funds have not been available to me to trade. They should have been available to me immediately after successful reception by Coinbase on XX/XX/XXXX, as the auto transfer from Coinbase to XXXX should have been instant. The value of the vanished bitcoins is approx Eur XXXX. 

- I created a Coinbase trouble ticket on XX/XX/XXXX, case ID XXXX, however there has been no response. 
- I created a Coinbase formal complaint ticket on XX/XX/XXXX, case ID XXXX. According to their own terms and services, they should reply within 24 hours, but there has been no response The screenshot ... .232.png attached shows : - left side : XXXX platform where the incoming deposit is shown ( XXXX XXXX - XX/XX/XXXX UTC ) which is still on " pending '' - left side : coinbase platform showing " received bitcoin XX/XX/XXXX + XXXX '' and in " transferred bitcoin to XXXX '' XX/XX/XXXX XXXX, also highlighted in front as " voltooid '' ( completed ) The screenshot ... 430.png attached shows my formal complaint The screenshot ... 536.png shows the first ticket made on XX/XX/XXXX
Product: Mortgage

Nationals pending corporation Account opened XX/XX/2021 Nations lending corporation has failed to follow Federal Laws 12 U.S.C. 1831n ( a ) ( 2 ) ( A ) and/or 12 CFR 741.6 ( b ) regarding General Accepted Accounting Principles and Generally Accepted Auditing Standards concerning this loan. 

The Alleged Borrower truly provided the money, transfer of funds money equivalent, credit, funds, capital, or thing of value and Nations lending Corp pursued to securitize it! 


Nations lending corporation converted the Alleged Borrowers promissory note, accepting the Alleged Borrowers promissory note as money or like money to fund a check or similar instrument that the Alleged Lender then lent to the Alleged Borrower ( which has an economic effect similar to stealing, counterfeiting, and swindling.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality unde

r 15 USC 1681. 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a co
nsumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing issues with my credit reports and request immediate intervention. My Social Security number was stolen during the XXXX  XXXX data breach, which I confirmed through their official website. Since then, I have repeatedly discovered incorrect names, Social Security numbers, addresses, and phone numbers on my credit reports, indicating fraudulent activity such as credit cards with providers I have previous business relationships with, loans and multiple inquiries. 

I have made multiple attempts to work with the CFPB and the credit reporting agencies to resolve these discrepancies, yet the inaccurate information remains on my credit file. Despite submitting documentation proving my identity, the credit bureaus continue to report incorrect personal details and accounts that do not belong to me. The CFPB has previously responded by stating that the credit bureaus have verified my information ; however, their verification process has failed to remove fraudulent data that does not match my legal identification. 

This ongoing issue has significantly impacted my financial standing and caused undue hardship. I am once again requesting that the CFPB take direct action to ensure that these fraudulent accounts and false information are permanently removed from my credit reports. Additionally, I would like to understand why, after multiple disputes, these errors have not been corrected. 

I have attached supporting documentation, including my credit reports, identification, and previous correspondence with the CFPB and credit bureaus, for your review. I urge the CFPB to hold these agencies accountable and to assist me in restoring the accuracy of my credit file. 

Thank you for your immediate attention to this matter. Please provide me with an update on the necessary next steps to fully resolve this issue.
Product: Checking or savings account

I have not received my direct deposits from my employer and Capital One bank refuse to provide a timeline on a resolution.
Product: Credit reporting or other personal consumer reports

ACCORDANCE WITH PRIVACY ACT OF 1974, 5 USC 552a ACCORDANCE WITH GRAMM LEACH BLILEY ACT TITLE 15 USC 6801 PROTECTION OF NON-PUBLIC PERSONAL INFORMATION ACCORDANCE WITH 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN PERMISSION TO HAVE THESE UNAUTHORIZED TRANSACTIONS AND ACCOUNTS REPORTED ON MY CONSUMER REPORT
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ***Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX ***Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX ***Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX ***Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX ***Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXXXXXX ***Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX ***Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXXXXXX ***Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX ***Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed.

XXXX XXXX XXXX XXXX*Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX ***Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX ***Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX ***Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX ***Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX
Product: Credit card or prepaid card

Incident Date : XXXX XXXX, 2016 Incident : A payment of {$1200.00} on an XXXX XXXX credit card account processed twice. 

Attempts at Reconciliation : I contacted XXXX at the time of the over-payment, at which point they tried to give me credit in the amount instead. As I explained to them, credit is not cash and I would eventually have to pay it back to them with interest, therefore it would in no way constitute a reimbursement. 

They agreed to send me a check, but when I received it, it was for less than {$200.00}. When I called back to ask about the discrepancy, they acknowledged the mistake but told me they could not send a check for the full amount as I had to have at least the amount in available credit to do so. 

I had several conversations with Customer Service since then and was told several different things. I lost my credit card and when I called to replace it today I asked if I could finally be reimbursed. This time I was told - alternately - 1 ) that I needed a BALANCE of at {$1200.00}, not available credit. ( This would require me to spend {$120000.00} to get  a check for it, which seemed completely nonsensical to me. ) and 2 ) when I pointed out the logic flaw, that " it was too long ago. '' Since it took this long due to mistakes on the credit card company 's part, I do not believe I should lose {$1200.00}. Additionally, according to Regulation Z of TILA,  in a case of consumer overpayment, the involved creditor must " Make a good-faith effort to refund the amount of the credit to a deposit account of the consumer if the credit remains for more than six months. '' No such effort was made - in fact, I feel I have been more obstructed by Elan than helped. 

I was ultimately told that I would receive a letter within 10 days detailing their " decision, '' which I did not find promising given my experiences over the past year, so I opted to move ahead with a complaint.
Product: Bank account or service

I am complaining on behalf of my mother and myself in my role as trustee of her trust account. I have only recent become involved in the current matter as a result of the bank denying my mother access to her trust account. This account has a balance of approximately {$250000.00}. Apparently the bank has never paid any interest on the account. Although she is the beneficiary of her trust she is denied access to the account. She has not needed the funds until recently, but now needs them to live. My mother is XXXX years old. The bank has clearly exploited an XXXX and vulnerable individual. As trustee of the account I have tried to have the bank provide access to the funds to my mother. Having received no cooperation from the bank I instructed the bank in my role as trustee to transfer the funds to another institution and close the account. The bank has declined despite being given specific and unambiguous instructions. The bank wants me to appear in person. I live in XXXX and the bank is in XXXX. It is not possible for me to appear in person and the bank knows this. This bank has and continues to be engaged in the exploitation of my mother.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting an inaccurate repossession on my credit reports. 

I have been disputing this account with each credit for some time, they are reporting inaccurate and inconsistent information on my reports. Each bureau is reporting this account as closed and derogatory but are reporting a monthly payment of {$940.00}. 

If this account was closed due to being repossessed, how is it that they are able to report a monthly payment? Per the FCRA, it is illegal to report inaccurate information on a consumers reports. I am demanding that this account is deleted as my rights have been violated as a consumer to have the right of accurate accounts on my credit reports!
Product: Student loan

Payments are n't applied correctly and have been paying on them for nearly 20 years. I have had no help in understanding why the amount is barely reduced and sometimes increased monthly after a payment is made. Lately I have to call 9-10 times just to get an answer or things corrected. This is from my XXXX from XXXX University and my XXXX XXXX from the University XXXX.