23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

After fail to log on my checking account, the bank 's system locked my account. The website did not allow me to reset password. Following instructions I called the web customer service and the rep said nothing she can do due to the account was fairly new and I must go to a branch. Sadly the nearest branch was one hour away. All I wanted is to let them unlock the account then I can reset password myself. I really can not go to a branch one hour away to handle this issue.
Product: Credit reporting

An address I do not recognize has appeared on my credit report. I have never lived or worked at the following address : XXXX XXXX XXXX XXXX XXXX, NY XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' " Criminals took  advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXXof this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. '' Through it 's own internal systems, the information I provided stated that I was affected by the breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXXXXXX XXXX   XXXX Also, On XX/XX/XXXX XXXX XXXX, XXXX XXXXXXXX On XX/XX/XXXX XXXX ( no information given on credit report ) On XX/XX/XXXX XXXX XXXX, XXXX XXXX no information given on credit report ) On XX/XX/XXXX XXXX XXXX XXXX pulled my credit. 

I request that you initiate an investigation into [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,
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 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, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$18000.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX GA ) XXXX Balance : {$10000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$970.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$200.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My credit card was charged for a purchase I did not make. I have been trying for over a month to contact Chase bank to report this potential fraudulent activity, but have been unable to reach anyone to assist me.
Product: Student loan

Initially, I was advised by Navient that my payment plan qualified for XXXX. After 4 years of working for a qualifying non-profit, and paying on the student loan, I am now told that the nearly {$26000.00} in payments does not qualify. My new payment plan, an income based plan, after being transferred to XXXX was quoted CHEAPER, for a qualifying XXXX payment plan than my previous Navient plan. However, Navient initially told me an income based repayment plan would be much higher and advised me to do a standard repayment plan of 30 years - which they claimed would qualify as well.
Product: Debt collection

Not sure if I selected correct description. I contacted this company to see if they would offer a settlement offer on XXXX/XXXX/2016 the offered to settle for 50 % of debt that must be made with in four payments I did make all my payments online making what the box for payment amount asked me to make. I made my last payment on XXXX/XXXX/16. Here is payments and amounts I made according to bank statements XXXX/XXXX/16 {$60.00} XXXX/XXXX/16 {$60.00} XXXX/XXXX/16 {$54.00} XXXX/XXXX/16 {$43.00} I will attach copies of what I got from their website on XXXX XXXX, 2016. Their payment state different dates than what my back states as payments. I contacted credit bearus cause this account is n't showing paid and also called first national collection bureau, inc and they are telling me that I did n't make all payment to clear this account and I told her according to records and their website all is paid. so that is why I am filing this complaint I would like this to be settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account XXXX XXXX XXXX XXXX XXXX ( Account Number : XXXX ) ( Account Type : XXXX XXXX XXXX  ) is missing from my TransUnion credit report. I have had this account since XX/XX/XXXX. Please update my report with the following account as current from XX/XX/XXXX- XX/XX/XXXX. This account is still open and current with all payments made on time and needs to continue being reported.
Product: Checking or savings account

please help me. Cuz I don't know what happened to this account something happened and this bank considered as fraud and all of the sudden ending relationship with me and I owned them money for no reason.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment XXXX  Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I received a phone call while I was at work from Wells Fargo. The caller stated that " this call may be monitored or recorded '' and said she was from Wells Fargo and that two unauthorized transactions were attempted using my card information. She said Wells Fargo stopped the unauthorized transactions from going through. The caller then asked if I had received any text alerts stating this. I replied " No ''. She said she wanted to make sure I was receiving the alerts in case this happens again. She verified my information and then sent a few " test '' texts to my cell phone. She said to ignore the context of the texts, as they were randomly generated. The following day, I checked my bank accounts, checking and savings, and they were completely cleared out. The checking account transfer was for {$6300.00} and was under the name of " XXXX XXXX ''. The savings account transfer was for {$1000.00} with a {$30.00} wire transfer charge, under the name of " XXXX XXXX ''. This occurred on XX/XX/2023. When I called Wells Fargo and explained the situation, I was told that there was nothing they could do because it appears that I knew the people and transferred the money to them because they had my information. When I stated that I absolutely did not know the people and that they called falsely using Wells Fargo 's name, they still denied my reimbursement claim, closed my account, and opened a new one. I called numerous times, and, with my last call, I stated that I was going to hire a lawyer. The Wells Fargo representative then told me that I should hire a lawyer. I called the police to file a report, I then contacted several lawyers but have received XXXX responses. I have also put a fraud alert on my name with all 3 credit bureaus. I have also contacted the XXXXXXXX XXXX Attorney General, but with no response. I have been trying to find help with this situation and no one seems willing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, i did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that the 3 credit agencies didn't make sure was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681 ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, i request to know all the steps they took to insure that these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) -Method of verification In accordance with the Fair Credit Reporting act these following accounts have violated my rights- XXXX XXXX : Acct # XXXX XXXX  XXXX XXXX XXXX Acct # XXXX 15 U.S.C 1681 section 602 A. States i have a 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.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I mailed a dispute letter to Equifax via USPS certified mail tracking # XXXX, requesting an investigation into inaccurate items appearing on my credit report. In addition, I disputed incorrect personal information listed in my credit file. To aid in verifying my identity, I included a copy of my photo ID, social security card, and a recent bank statement with my current address. 
According to USPS tracking, the letter was delivered to Equifax on XX/XX/XXXX. Despite my detailed and valid request, Equifax has failed to provide any investigation result. It has now been more than 30 days since my submission, and no communication or resolution has been provided. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
Equifaxs inaction and failure to respond to my dispute appear to be a direct violation of this requirement and deny me my consumer rights. 
I am including a copy of my dispute letter sent to Equifax and USPS certified mail proof of delivery as evidence to support my claim.
Product: Credit card or prepaid card

early this year I submitted a complaint against XXXX ). I'm still having that same problem with a different situation. it is a long story, but NetSpend has taken money from me 3 times, XXXX and XXXX " XXXX '' and again this XX/XX/XXXX, " XXXX ''. I pay my electric bill on time every time choosing the " DATE OF '' to pay my bill I never choose the due date. XXXX & XXXX I did not receive any text message alerts stating there was a transaction for XXXX  XXXX. XXXX  XXXX verified seeing payments posted. when I call Netspend it's always no transaction or payment seen for XXXX  XXXX, and this has happened on the dates listed above. my budget electric bill amount is {$66.00}. I pay my bill between the XXXX XXXX of the month of XXXX, XXXX, and XXXX. Mid-XXXX  and XXXX I received a text alert stating insufficient funds. XXXX I paid {$66.00} middle of the month insufficient fund alert and I was charged fees by the electric company. I had convinced myself that maybe I overspent so I excepted the consequences. So, in XXXX I had to pay {$150.00} that's including fees. I call the electric company several times throughout that week and the week after reminding you that I pay bills XXXX. So, in mid-XXXX, I get another insufficient fund alert. XXXX my {$66.00} bill increased to {$350.00}. by this time I opened a bank account with XXXX 's XXXX XXXX and started submitting payments with XXXX 's debit card and there weren't any problems with my transactions. Unfortunately, I had to close my account with the credit union. I've been back with NetSpend for about 2 mos.On XX/XX/XXXX I made a {$50.00} payment to the electric company using my NetSpend debit card. I called XXXX XXXX and payment was verified, but NetSpend didn't see that {$50.00} transaction, and I had the feeling I was going to get scammed again, so I called XXXX XXXX and made another {$50.00} payment over the phone. XX/XX/XXXX " XXXX '' I received a text alert stating {$50.00} was paid but no date or time was included in this text unlike all other text alerts I receive regarding all transactions, my guess is that NetSpend is trying its best to confuse me. I have been call and all they do is hang up or place me on hold for like an hour when I call. I escalated the issue and a supervisor called and he wasn't really trying to listen to reason. I had asked a supervisor, Ms. XXXX, at XXXX  XXXX to keep an eye on my account for me. Today she called and said I see you made another {$50.00} payment over the phone, so we're going to refund one of the {$50.00} dollar payments. To be honest I think both companies should have an internal audit investigation performed. A class-action lawsuit is definitely needed, if I had to choose which company is fraudulent I would say NetSpend. 
To whom it may concern : please help me get my money back because I really need it. Thanks in advance and may God continue to bless you and stay safe. In XXXX  's name, Amen!
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance {$110.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX {$410.00} XXXX XXXX  ( Original XXXX XXXX  XXXX XXXX  XXXX XXXX ) XXXX Balance {$750.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I received a call today from a debt collector completely out of the blue about a credit card account which was closed in 2011. The woman that called failed to identify herself, and company. When I asked for information I was interrupted, threatened with a lien against my home & calling my employer to garnish my wages, and then she hung up on me. I called back as I felt threatened, she then dangled my personal identifying information as a threat against me to settle this debt which had not been previously disclosed to me in writing ( or any calls ). She then used threatening language in a derogatory manner, threatening me with legal action, when I requested documentation and time to investigate she refused, and said due to the length of time they didnt have to disclose any information to me & could pursue legal action immediately. I settled the debt with my credit card. She then followed up with some scammy documentation, and I am fearful of identity theft & cybercrime against me and my family.
Product: Money transfer, virtual currency, or money service

A person claiming to be with XXXX XXXX XXXXXXXX XXXX department contacted me on XX/XX/year>, stating that someone in the name of XXXX XXXX has created an Zelle account with my information and was sending themselves XXXX. In order to stop this transaction, I needed to create a correct profile in my own name and send a cancellation transaction in the same amount. I had never used the Zelle service before and did not have an account currently created. They told me I would not be able to see this pending transaction because I do not have an account. The phone number came up as XXXX XXXX  on caller id. and their authentication process matched XXXX XXXX identically. They asked for my information in the same way- account number and last 4 of social. Then they sent an authentication text in the same manner that I am used to. Everything matched up. They asked me to send a code as the amount and to include the verification code from the text in the memo : XXXX. The transaction was completed moments later. Once I saw the transaction on my account, I knew something was wrong. I called Zelle, they werent able to give me any information about the transaction being due to fraudulent behavior. I called XXXX XXXX and they said the same thing. I had been scammed. I called Zelle back and submitted a claim but they pointed me back to my bank. I submitted a claim with XXXX XXXX too but received a letter from XXXX XXXX stating that my claim was denied on XX/XX/year>. I am very confused as to why nothing was done by Zelle. I have been reading that users funds have been refunded from the scammer using a new protocol- but nothing was done in this sense during any of my discussions. And now I am left to wonder if something had been done more quickly by Zelle, if I would have gotten that money back. I would like a bit more information at this point. And possibly a reimbursement for this impersonation scam through their service. My case number is XXXX
Product: Checking or savings account

On Saturday XX/XX/XXXX, around XXXX XXXX, I received several emails from Wells Fargo saying that my " application had been received '' to " open my account '' - I did not apply for an account. I looked up to see if this was a scam, and saw that Wells Fargo had gotten in trouble in XXXX with regards to this behavior, for opening accounts for people without their knowledge or consent.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed hard inquiries that do not belong to me. 

XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

I lost my job due to health issues and my sister who is a contributor was on disability. My father who is a contributor also left his job due to health reasons and the mortgage never offered to help me when I asked. Its always a process. I filled out for a hardship package and sent everything in they needed but still said I needed more so I was denied. This isnt ok. I was taken advantage of as a first time home buyer. Please help.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX  Bank XXXX XXXX XX/XX/year> 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681S-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Mortgage

I requested a 5 year amortization. Navy Federal Loan Officer XXXX XXXX refused to let me have a 5 year amortization and insisted I could only have a 15 year amortization. Navy Federal also had a promo he pretended not to know about. I submitted a complaint and requested a different loan officer. Navy Federal equity loan department did not honor my request and did not assign me a new loan officer. For over 2 weeks their dept. has kept it as the original loan officer XXXX XXXX. I called again on XXXX and spoke with a Supervisor in the equity loan dept. named " XXXX  '', number XXXX. XXXX also did not switch me to a loan officer. Instead of complying with my repeated request for a new loan officer to be assigned, he kept talking to me about me submitting paperwork. He continued to argue with me that I should return the loan application paperwork, and continued to not assign me a new loan officer and now I am filing this complaint. 

XXXX XXXX should be fired for trying to deny me the promo, and not signing me up for the promo as the notes on my application stated I wanted. He also tried to bully me into a 15 year amortization instead of 5 year amortization. Navy Federal specifically told me on the phone that I could have a 5 year amortization, and he tried to deny that. XXXX, should also be fired for arguing with me about loan paperwork and trying to convince me to return loan paperwork when he was not complying with my request for a new loan officer to be assigned.