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

On XX/XX/2023 received an email that a wire transfer in the amount of {$5000.00} was in process. The bank was called immediately and the wire transfer reported as fraudulent, however the bank continued with the transfer. We figured out the account had been accessed electronically following an elaborate identity theft operation involving a stolen home phone number and mail diversion. Because the bank was not able to retrieve the funds, they have denied the request to return the {$5000.00}. This does not seem reasonable since the fraud was immediately reported and the bank never should have finalized the transaction.
Product: Student loan

This is a follow-up to complaint # XXXX : In their response, Aidvantage completely failed to address the most important part of my complaint : that I was unjustly charged roughly {$1400.00} in interest from XX/XX/year> to XXXX of this year. 

Last XXXX, as federal student loan payment deferment was ending, I applied for the SAVE plan. I was immediately approved for the plan by the FSA on studentaid.gov and given a monthly payment of {$10.00}. The matter was then transferred by FSA to Aidvantage, my servicer. 

For a reason they've yet to disclose, Aidvantage immediately placed me in forbearance and kept me in forbearance for several months, despite me reaching out to them several times to find out why they were taking so long to put me on SAVE since I had already been approved by FSA. 

From XX/XX/year> to XXXX of this year, my student loan balance went up from roughly {$66000.00} to over {$68000.00}. This was all interest charged by Aidvantage while they kept my account in forbearance and ignored my complaints despite the fact that I was approved for SAVE the minute I applied in XX/XX/year> by FSA.

Aidvantage was supposed to immediately enroll me in SAVE with a monthly payment of {$10.00}. Had they done so, my interest would not have grown a single dime. It seems incredibly unjust that I had to pay Aidvantage {$1400.00} in interest as a reward for their own incompetence. 

Finally, in XXXX of this year, I re-applied for SAVE on studentaid.gov, was once again immediately approved, and lo and behold immediately placed on the SAVE plan by Aidvantage and charged the proper monthly payment as of this XXXX. Just like it was supposed to have happened the first time I applied last XXXX. 

I demand that all interest charged to my student loan balance since XX/XX/year> be refunded immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiry has been added to my credit report and I did not authorize it. I would like it deleted from my credit file. 

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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
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 and Equifax credit bureaus to validate these accounts ( A ), ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 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 correct : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Open Date XXXX XXXX, XXXX Balance : {$0.00}
Product: Vehicle loan or lease

I am in receipt of your communication dated XX/XX/XXXX. 
Your letter states that my account was 30 days late for the months of XXXX, XXXX, and XXXX. 
Please be advised that on my XXXX credit report PenFed reported a 30 day late for XX/XX/XXXX as well. 
Please be advised that on my XXXX report, PenFed reported a 30 day late for XX/XX/XXXX as well. 
Please be advised that on my XXXX report, PenFed reported 30 day lates for XX/XX/XXXX and XX/XX/XXXX as well. 
This does not line up with your recent correspondence. Your letter to me is attached to this complaint. 
Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Well i have over 26 Hard Inquirys and some of them are doubled or trippled.

now some of them I did not give permission to do a hard inquirys, I would like them taken off my Credit Report, I just did not know how to do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaints were submitted to TransUnion on three ( 3 ) separate occasions with no response. 

After submission to CFPB to rectify, you sent a response from TransUnion indicating that they have requested an additional 60 days. Below is my response to you. 

I RESPECTFULLY DEMAND THAT THIS OVERSIGHT ENFORCEMENT AGENCY COMPEL SAID CRA TO MEET COMPLIANCE OF ALL SECTIONS OF THE FCRA IMMEDIATELY. 

I FURTHER OBJECT TO THE CRA REQUEST FOR AN ADDITIONAL 60 DAY EXTENSION. SUCH REQUEST IS OUTSIDE AND VIOLATES THE FCRA 611 ( a ) AND OR 611 PARA. 5 IN WHICH CITES ; CRA HAS 30 DAYS FROM THE DAY OF RECEIPT TO VERIFY OR DELETE THE INACCURATE, INCOMPLETE, UNSUBSTANTIATED  RECORD. 


RESPECTFULLY SUBMITTED XXXX
Product: Mortgage

I have owned my own home since XXXX. I have perfect credit ( XXXX ) and I have been declined a refi for my mortgage to obtain a lower interest rate now that rates have dropped due to the fact that my " monthly income '' from my XXXX XXXX is not enough. I have however been able to not only pay the mortgage for 22 years successfully but I also pay an additional {$190.00} per month towards principal since my last refi in XXXX of XXXX. Currently I have a 5.375 % interest rate on a 30 year conventional mortgage. I am a XXXX XXXX  mom. I own 85 % of the home and could pay this mortgage off in 10 years with a 2.5 % refi, right around the time when XXXX, my XXXX year old would enter college and I could use the additional cash flow. I have NEVER missed a mortgage payment or been late and there is NO reason why I should not qualify for a refi except that the banks claim that my low income prevents me, and of course they want to continue to rake me over the coals. If I can afford a HIGHER mortgage premium, why wouldn't I be able to make lower monthly payments? Is there anything you can do? I personally ( and my neighbors and friends ) bailed out the banks in the late XXXX 's to the tune of XXXX XXXX, they owe me. To make matters worse, their marketing department sends out " you are prequalified for a refi '' collateral, and when you respond, the representative states, " oh, that, the marketing department just sends those out, we have no control over those. '' WHAT?! Thanks so much! XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXXXXXX  Bal. {$0.00}, XXXX XXXX XXXX.Account # XXXX Date opened XX/XX/XXXX Bal. {$0.00}, XXXX  XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$710.00}, XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$700.00}, XXXX XXXXXXXX XXXX.Account # XXXX date opened XX/XX/XXXX Bal. {$480.00}, XXXX XXXX XXXX.Account # : XXXX date opened XX/XX/XXXX Bal. {$0.00}, XXXX XXXX XXXXAccount # : XXXX date opened XX/XX/XXXX Bal. {$0.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my credit report that I would like removed. According to the FCRA, the unverified and unauthorized items must be removed. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Debt collection

I have been harassed for years by this debt collector. In XXXX of XXXX, XXXX XXXX had placed a collection on my credit report for a debt of {$220.00} for a XXXX account. I have never owned this account and I was never contacted by any debt collection agency that there was a debt owed, and no calls, emails, texts, or written mail. I had disputed this with all my credit agencies ( XXXX, XXXX, and XXXX ) and they were all removed from my credit report since it was confirmed this was not my debt. In XXXX of XXXX, I had another collection placed on my credit report by Transworld Systems INC for {$220.00} and for the same XXXX account. After further research, I learned that Transworld Systems INC had acquired XXXX XXXX. This was disputed again to all my credit agencies and it was removed quickly since again, this is not my debt, never has been my debt, and again was never contacted by any debt collection agency. The situation was escalated to XXXX fraud. Today XX/XX/XXXX I was notified via XXXX alerts that I had a collection placed on my account from Transworld Systems INC for {$550.00} for an XXXX account that again, I do not own, have never owned. The collection reports that this account was opened in on XX/XX/XXXX, very similar timeline to the original account openings of the XXXX accounts. I have since disputed this again since I am tired of the constant harassment from this debt collection agency and their failure to verify any debt. I have had my credit score affected negatively over the past couple years due to this and it has been very difficult to work in raising my score since my score dropped drastically and it does not go back up to the previous score upon the collection being removed from my credit report. I have contacted XXXX today and it was again escalated to the fraud department in which this case has become. I am a victim of fraud, this is not my debt and I can not continue being harrassed by this debt collector.
Product: Debt collection

Conn 's Home Plus has been asked repeatedly not to contact me on my personal cell phone # of XXXX and instead use my e-mail address to communicate with me in regards to my account with them which currently is past due, due to financial hardship caused by the Death of my wife. Conn 's agreed to change my due date to the XX/XX/XXXX of every month instead of the XX/XX/XXXX and also defer the 2 months past due payments to the end of the account and no negative credit reporting on my credit file, both of which they have failed to do. Instead they call non-stop and fail to correct their mistakes that they agreed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had excellent credit for years and have never missed a credit card payment, and have always paid off my credit card balance in full, every month, on all my credit cards for 20+ years. Last month I stayed at a hotel and booked a villa on my credit card and had a $ XXXX balance when my statement was issued on XX/XX/XXXX ( the previous month my statement balance was less than {$1.00} ). Because of this balance on my credit card, Experian dropped my credit score from XXXX to XXXX. Before this massive drop it had never been below XXXX. Please note also that my credit card balance from XX/XX/XXXX is already paid off. 

I submitted an apartment application in XXXX as well, and my application was not accepted. One of the contributing factors was, obviously, my credit score. I consider Experian 's practices to be discriminatory if not fraudulent, since they clearly use arbitrary rules that do not accurately reflect the true creditworthiness of an individual. Along with the other two credit bureaus, they hold a monopoly on credit scores that should not be allowed to continue. 

I have not yet received updates from the other credit bureaus, so I don't know if they also adversely impacted my credit score.
Product: Payday loan, title loan, personal loan, or advance loan

Everytime I call to get an explanation of the payment I get hung up on. The automated system is telling me that I owe an amount that I know I have paid off already, my account has been getting debited for over a year now.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL, XXXX XX/XX/XXXX Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. Thank you for your immediate action to this issue. 

XXXX XXXX
Product: Credit card

On XX/XX/2023 I purchased and paid for two items from XXXX. One for {$5.00}, the other for {$6.00}. On XX/XX/XXXX XXXX billed my Citibank CC {$120.00} for an item that I did not order. On XX/XX/XXXX XXXX billed this same card {$110.00} for another item I did not order. After calling and writing Citibank about this scam and fraud, they gave me conditional credit for both amounts. On XX/XX/XXXX Citibank said it was permanent. Citibank then later reversed this permanent decision claiming they received proof of delivery from the merchant. I tried pointing out to them that the proof they received was only for the first two lower priced items and nothing else was ever ordered or delivered. It fell on deaf ears. 
I was a corporate client of Citi for over 20 years and this personal account for about an additional 13 years. I explained to them that I would pay everything I owed them on the final bill BUT those fraudulent bills that are in dispute. The only reply from them was, we will keep billing you with interest and fees. The have also contacted the credit reporting agencies and my credit has dropped from XXXX to about XXXX. The original amount they claim I owe them was {$240.00}. With fees and interest, it is now {$370.00}. 
I would sincerely appreciate all help and consideration that this agency can do. I feel I am XXXX against XXXX of the banking world.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnions investigation about my debt dispute with XXXX did not PROOF or provide any supporting documentation that I LAWFULLY owe this alleged debt.
Product: Student loan

Payment have been made since XXXX it was {$33000.00} and has a current balance of about {$11000.00} Some charges are XXXX XXXX old and qualify to be challenged
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handlings of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The XXXX  findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I am submitting this complaint personally, without any third-party involvement. I have attached letters providing detailed information about what is being reported on my credit report. I have never had a contractual relationship with JEFFCAPSYS, and I believe the original creditor, XXXX XXXX, sold my account without proper notification. This is a clear violation of FCRA Section 611, as it involves inaccurate reporting on my credit report. I kindly request that you delete this account immediately, as it is being reported inaccurately.