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

i have probmle of money they took on my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing this dispute letter in correspondence with the Complaint ID XXXX that was recently closed. 

I don't understand why you are making it hard for me to request to remove these inquiries on my credit report. 

XXXX - XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

How can two account be report the same information. This is inaccurate information. Under the fcra laws this is a violation to my right and I would want this remove and delete off my credit report. XXXX have two account this is one of the account number XXXX and the second account number is this one XXXX also how can you be late 30 day show 1 time, and 60 day shows 0 late days, and 90 days shows late 10 times. This is inaccurate and incorrect information on my file. How is these two account report the same information. Please delete and remove these account its hurting me from get a house for my family. 15 us code 1681b I have my right and this law is what following under the right to have these account removed immediately. Also upload pictures showing the inappropriate and inaccurate information.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$5000.00} XXXX XXXX XXXXXXXX Balance {$3800.00} XXXX  XXXX Balance {$7900.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$1600.00}
Product: Money transfer, virtual currency, or money service

My holdings in a virtual currency ( XXXX  ) were sold as the company exited the United States ( Plutus Financial DBA Abra ). The total amount is ~ {$18000.00}. This was done in late XXXX but the company has not been able to send me the proceeds. They sent an initial check to an outdated address is early XXXX without checking to see if it was still valid. The reissuance of the check to the correct address is still ongoing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX XXXXXXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and I have found some inquiries that I did not authorize. I believe that someone is using my information and these inquiries are fraudulent.
Product: Payday loan, title loan, or personal loan

I have made large payments of XXXX on XXXX and XXXX on XXXX plus all my payments of XXXX a month since XX/XX/XXXX on original loan balance of XXXX but on the loanpal web site and credit reports the balance is still XXXX and they show last apyment was XX/XX/XXXX? i have call several times and filed 2 disputes with XXXX  but nothing yet? i have all the payment confirmation numbers too if you need them.
Product: Checking or savings account

On XXXX morning, I made a deposit of my bi-weekly paycheck ( {$1500.00} issued by XXXX XXXX ) via Bank of America ATM to my checking account. 

The ATM receipt indicated that {$200.00} would be available for immediate use, and the rest will be available in the next business day. Given this information, I made two transfers from the checking account ( {$6.00} to my XXXX XXXX account at XXXX and {$10.00} my online saving account at XXXX ). 

The next thing I know is that they put on-hold on my deposited check, and withdrew {$35.00} per each transaction ( total {$70.00} ) for " insufficient '' fund from my checking account. I immediately wire transferred {$100.00} from my online saving to this checking account to avoid additional fees.
Here are my concerns : 1. I made my transactions within the range of available fund ( {$200.00} ) given the information they provided. What did I do wrong here?
2. As the BoA e-mail notification came after these transactions already occurred, I could n't cancel these transactions in advance and avoid {$70.00} fees. ( What made me really frustrating is that, as these two saving transactions were not time-constrained, I would have choose to wait until my check cleared had I learned/received notification in advance ).
3. I contacted Bank of America regarding this matter, but they replied to me with " copy & paste '' message.
4. I have been using this checking account for receiving my salary from the same employer for more than 10 months via direct deposit. It was my first time using the actual check to make the deposit from the same employer and I have no idea why they put on hold on my paycheck. The webpage said the details would be available but I could n't find the direct document regarding this situation.
Product: Credit reporting or other personal consumer reports

otice to Correct Credit Report Dear __________________ Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

Item Number Company Name Account Number Comments 1.XXXX XXXX 2.Discover 3.XXXX 4.XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX Name XXXX XXXX XXXX Address XXXX, Mi XXXX Town, State and Zip XXXX Social Security No XXXX Date of Birth
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I noticed my credit score drop from XXXX to XXXX. Upon looking into the 3 credit bureaus : XXXX, XXXX, and TransUnion, the only negative remark they have is from my XXXX account based on the following : late payment in XXXX and high credit amount of {$270.00} on XX/XX/XXXX. These negative remarks have been on my credit report for the past 6 years. This being the only negative remarks on my reports, there is no reasonable explanation as to why my credit score dropped almost 30 points in these recent months. I already submitted disputes with no favorable resolve. I also contacted XXXX  and they have not made any other types of reporting to the bureaus. I can't get a hold of anyone on the phone to explain this drop in points to me. I also have low credit utilization on XXXX  ( a XXXX  balance for the past 2 years ) and less than 14 % on my other credit card XXXX. My loans have been decreasing significantly this year. I am extremely displeased with these credit bureaus. PLease help.
Product: Checking or savings account

On XX/XX/2023 there was a XXXX charge made on XXXX followed by a XXXX charge. During that time I contacted Bank of America XXXX months in a row, the first month I was told the amount would be investigated and refunded within XXXX  days unless I heard otherwise. Bank of America informed me when I called back the following month that the investigation never took place and then I would have to refile the dispute, this is now XXXX  Days Later which is past their XXXX timeline that I was informed of on a recorded line indicating that I would be refunded in full unless informed otherwise, but due to their persistence that they did not plan to help me unless I otherwise filed a new complaint I proceeded to do so, they rejected that complaint promptly and failed to refund the total charges resulting in them assisting in unauthorized use which is a federal crime punishable by Hefty civil penalties for non-compliance. Additionally due to this refund never coming back to my account my bank account has had thousands of dollars in late fees and negative balances as I no longer have confidence in this bank 's ability to maintain compliance in a way that makes me feel comfortable using their services. I've followed up month over month resulting in no further help from their team and they insist they are not willing to help in any other way. In addition to further fees there willful non-compliance resulted in my eviction from my primary residence costing me and my family mental and financial distress since this occurred. I still have an outstanding balance from my primary residence that I was evicted of of {$16000.00} due to Bank of America 's aparent commitment to aiding fraud. at his point I hate the Bank as well as the entire United States banking system as a whole. What I am demanding at this time is to refund all of the late fees that have resulted since the initial transaction on XXXX XXXX  and refund both the {$4300.00} and {$13000.00} payment with interest and keep my account open. If you choose to do anything other than this I will have no choice but to file a civil Federal lawsuit for the damages of fraud, racketeering, willful non-compliance, obstruction of justice, breach of fiduciary duty and all of the associated Federal Reserve act civil penalties in addition to my legal fees, and demand for compensation in relocating. save us both our time by reimbursing the above charges and all late and negative account fees to avoid further action in federal court and additional claims through the FDIC and SEC.
Product: Credit reporting or other personal consumer reports

NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Nelnet, I have asked because it is so important Nelnet. I am asking again like the the other 8 times since XX/XX/XXXX. PLEASE DELETE THE PAYMENT DEFERRED STATUS AND CLOSE OUT AND UPDATE TO PAID FOR XXXX. IT WAS DONE ALREADY FOR XXXX AND XXXX. 

XXXX XXXX Needs help please XXXX / Sent XXXX XXXX XXXX To : Nelnet, Nelnet Sun XXXX XX/XX/XXXX at XXXX XXXX  Hello, XX/XX/XXXX I have spoken with multiple members of your team at Nelnet, and Nelnet XXXX XXXX XXXX XXXX since XXXX, XXXX when I was approved. It has been shockingly obvious that no one has worked or shown interest in deleting the {$10000.00} form my credit debt active balance. 

This is the remaining portion that is showing on all of my credit reports as still active, and " not updated since XX/XX/XXXX. '' This has been a source of problems for me and causes me to have a deficiency in my credit report because someone at Nelnet does not take care of it. 

I have called and spoke with 9 different agents including managers and seasoned staff at XXXX XXXX XXXX and this group of loans are showing no updates/removal/deletion since XXXX XXXX EVEN THOUGH I WAS PROMISED YOU ALL WOULD HAVE IT REMOVED FORM MY CREDIT REPORT NO LATER THAN XXXX, XXXX. 

Good credit can not happen with this {$10000.00} still actively reporting as debt! Its essential that as a person with XXXX I have good credit to have transportation, and a place to live. 
Please reach out to me with information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX  XXXX XXXX Last four of Soc # XXXX
Product: Student loan

My issue is with Fedloan reporting to my credit report inaccurately. They are no longer the servicer of the loan as of XX/XX/23, and should be reporting as close, due to now Dept of Education is now the servicer of the loan and is reporting to credit bureau accurately. Fedloan is Jeopardizing my credit report. I can provide evidence that this being reported incorrectly. 

Please help me get this verified and resolved. 
Thank you XXXX XXXX XXXX
Product: Student loan

Mohela is my XXXX loan servicer because I am enrolled in the PSLF repayment program. I enrolled in auto debit before my XX/XX/2023 payment was due. My account was not auto-debited. I was not notified at the time of enrollment that there could be any delay in auto-debit becoming active prior to the bill being due. I attempted to go on their website to obtain the information to contact the servicer directly about the issue on XX/XX/2023. All of the published customer service numbers are not operable. The phone line says that calls to those number can not be completed as dialed.
Product: Money transfer, virtual currency, or money service

My account was put into an inactive status due to violating terms of service. The only means of contact with the company is via email. No explanation could be provided as to what the violation was other than potentially someone who sent me money violated the terms of service. Each time I contact the company a different generic response is received stating something different. My wife attempted to sign up for an account but her account was immediately frozen as it used a joint account that had been previously assigned to my account. I contacted the company to have it removed from my account as per the instructions on its website and I was told my account was deleted so there should be no issue. My account is in fact not deleted nor has the bank account association been removed. Any emails regarding any of this are responded to in a way that in no way relates to the request within the email. Any requests for escalation of the complaint are ignored.
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. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 Transunion. 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 Transunion more than 21 times. transunion 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 im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> and XX/XX/year>, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered XXXX XXXX as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done
Product: Money transfers

I purchased a rifle from XXXX, an online store based in XXXX Virginia and owned by XXXX. I paid {$1600.00} via Wells Fargo XXXX, a wire service, to XXXX on XX/XX/XXXX. XXXX is registered to XXXX XXXX XXXX VA XXXX XXXX. I called or emailed every few weeks since I ordered it and was told it was on back order and would ship when it came in stock. To date, I have not received my order. When I checked on my order on XX/XX/XXXX, I found out the website is down and the phone number is out of service. I paid using Wells Fargo XXXX which is a wire transfer service. I have no way of requesting a refund and think this was a scam to fleece people across state lines. When I look up the google reviews now there are XXXX posting of other people that he stole money from as well. I am sure there are others. XXXX is also listed online as XXXX XXXX was also the creator of LendingShares which became XXXX shares. This company was a crowdfunding platform that existed without XXXX oversight and existed for 3 years before becoming defunct. I believe that XXXX is a serial scam XXXX who creates companies and bilks consumers and investors out of money, then closes the company and eliminates all means of contact. 

The website was : XXXX The Secretary of State Filing can be found here : https : XXXX The Test Store Website is still up with last contact information and a photo of XXXX can be found here XXXX XXXX/ XXXX Facebook page can be found here : XXXX : //www.facebook.com/profile.php? XXXX The owner of the business address is XXXX his phone number is : XXXX. They said he has vacated the premises, but still stops in weekly to pick up mail. XXXX most recent phone number they have on file is XXXX. 

Whitepages lists the home address for XXXX as : XXXX XXXX 
XXXX VA, XXXX The owner of the home address is XXXX XXXX XXXX FL XXXX Police Report Filed XX/XX/XXXX XXXX XXXX Police Department XXXX # XXXX XXXX Police Report Filed XX/XX/XXXX XXXX Police Department XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint shall be labeled as a follow-up complaint to my previous complaint to ensure the deletion of the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Interest rate was told different then it was when I first purchased it. I felt I was coerced into it with wrong information.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX XX/XX/XXXX VER XXXX {$0.00} CHAPTER XXXX BANKRUPTCFY DISMMISED XXXX XXXX XX/XX/XXXX VER XX/XX/XXXX {$0.00}