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

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX Balance {$9500.00}
Product: Credit card

On XX/XX/year> someone without authority or authorization claimed to my son and maliciously closed my Costco Citi Card ending XXXX and XXXX without our consent or permission, this complaint about the inept and failure of the customer service to verify the information given and it was too easy to close the account without verification! I am appalled and this has caused a lot of issues, not only is the failure on their security team, but no one also bothered to ask for the secret passcode or other identifying information to verify the information, the account was in good standing which we had for over a decade with Citi Costco, now all cards don't work, we have pending balances and refunds that won't be processed along with a rewards that is supposed to be sent out sometime in XXXX. This is so disgusting and repugnant behavior on so many levels showing how easy someone can mess with your accounts, a person without authorization can claim to be anyone and get your account closed. It is no wonder Citibank is rank one stars all over consumer review sites and I am sure people would give them 0 if they could as this is a common occurrence. You hire the cheapest labor, unqualified people to handle expensive accounts, failed to do a security check. It should not be that easy to close an account without verification showing that social engineering can be done to dox a person! You have no security in place, it was breeched.
Product: Credit reporting or other personal consumer reports

I came across the CFPB Experian Lawsuit The exact things that CFPB is suing Experian for are listed in my disputed accounts that Experian failed to verify by marking them verified. 

Impact on me.. My Credit score remains inaccurate, affecting my ability to get a loan, job and mortgages.I have been subjected to undue stress and financial hardship
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint about XXXX credit reporting agency. There are 3 items on my credit report that do not belong on there. The XXXX account ( I am uploading a letter as proof that fraud was done on this account ) and it was to be deleted. XXXX  XXXX XXXX account does not belong reporting either. I have submitted numerous disputes with them but the situation is never rectified. My credit score is lower than it should be because of these accounts that shouldnt be on there.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a serious concern regarding the handling of my personal information by Capital One, which appears to be in violation of the Privacy Act, the Fair Credit Reporting Act ( FCRA ), and relevant sections of the United States Code ( USC ). 

Despite previous written requests submitted on XX/XX/year> and XX/XX/year>, I have not received confirmation of the removal, deletion, and blocking of certain erroneous information from my credit profile. Furthermore, I have opted out of any and all third-party unaffiliated information sharing, yet it seems this preference has not been honored. 

According to the Privacy Act and the FCRA, consumers have the right to request the correction or deletion of inaccurate information in their credit reports. Specifically, under the FCRA ( 15 U.S.C. 1681 ), financial institutions are required to ensure the accuracy and privacy of the data they report and share. Additionally, any opt-out requests must be respected as per the guidelines set forth under the USC and associated consumer protection laws.

I was never provided the total information needed to opt out any reporting and I never received instructions on how to opt out. I am exercising my right to opt out to any non-affiliated third party reporting including XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2020, I checked my credit report and noticed a new collection account had been placed on my credit report. The original creditor is XXXX XXXX, collection company is XXXX XXXX. Account number XXXX for the amount of {$290.00}. I have no knowledge of ever opening any accounts with XXXX XXXX and I have had this issue once before as a result of identity theft. Last year XXXX XXXX reported on my credit file and I sent my identity theft report to each credit bureau and the collection was removed. Once again XXXX XXXX is reporting on my credit reports as a result of them selling this fraudulent account to XXXX XXXX which also reaged this account. I have no knowledge of this account and is a result of Identity Theft. I have notified each credit reporting agency as a result. Along with this complaint I have attached my FTC Identity Theft Report, FCRA 605b, letter to Experian, Credit Report, Drivers license, and social security card.
Product: Debt collection

On XX/XX/XXXX, I received a notification from XXXX XXXX about a new collection on my consumer report for XXXX. MRS BPO LLC was reporting. I have never been in any financial relationship with them. This is fraud reporting on my consumer report. They did not have any information provided as well to contact. I have never been in any contact with this scammers.
Product: Credit reporting or other personal consumer reports

I am requesting TransUnion block these two accounts from XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. As a fraud victim, I have previously provided a Federal Trade Commission Identity Theft Report. Thank you.
Product: Credit reporting or other personal consumer reports

Subject : Formal Request for Debt Validation and Action Against Non-Compliance I am writing to formally address the ongoing issue regarding the debt validation process for the account listed under XXXX XXXX XXXX, as detailed in the attached correspondence. Despite numerous requests, the requested debt validation letter has not been provided by your organization. 

I have diligently followed the necessary protocol by sending certified mail to multiple addresses provided by your company, all of which have been received and acknowledged. However, the requested documentation has yet to be provided, contravening legal obligations. 

Furthermore, both Experian and XXXX have failed to address my disputes and have neglected to remove the disputed entry from my credit report pending validation. Despite my inquiries, they have been unable to provide evidence of validation by XXXX XXXX XXXX. 

As per the Fair Debt Collection Practices Act and relevant consumer protection statutes, I am entitled to a validation of debt, a bill, and an itemized statement. Until these documents are provided, it is imperative that the disputed entry be expunged from my credit report. 

Failure to comply with legal obligations will necessitate further action, including but not limited to pursuing legal recourse through the appropriate channels. I expect immediate attention to this matter and prompt resolution in accordance with the law. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

Referring to case numbers : XXXX & XXXX Wells Fargo has chosen to close this case after numerous runarounds and " We are studying your complaint ( words to that effect responses ). '' I am and will continue to pursue this matter through numerous agencies and via an attorney if necessary. 
Their convenient self serving response includes fabricated paper work contending that the person to whom I spoke did not say that I had to allow {$25.00} to be taken from checking account every month to keep a savings account. Neither of which I have now, by the way. 
Although it goes back several years, unless is was deliberately erased, that conversation was recorded and could and should be subpoenaed. 
Wells Fargo has been in the news numerous times regarding pressure on employees to get accounts open and regarding outright fraud. 
If their responses have not been fabricated, if they were not guilty of fraudulent activity which placed undo financial and emotional strain on me, why did they sene me {$1500.00} and a couple other small payments. Is this how innocent parties act? Their stock holders will be appalled. 
There was also a ridiculous time-wasting sham of a " mediation '' process they set u with me. The so-called mediator was no more than a messenger boy, not a mediator. He went, so they claim, back and forth presenting both sides of this issue, this complaint. 

It was my intention to begin a simple savings account at which time I was deceived into believing that regular payments of {$25.00} had to be made into this account. I was surprised, to say the least, even shocked until that wore off and I closed the account. 

Being on a limited income, those {$25.00} payments appropriated from my checking was a hardship, financially and emotionally. 

It was at that time that I learned that Wells Fargo fired over XXXX employees involved in this wrongdoing and that they were part of a culture of a scandalous deception in which high pressure tactics were used. 

These tactics also took place at the companys XXXX XXXX headquarters.
Product: Credit reporting or other personal consumer reports

Account # XXXX AND # XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX, MN XXXX Type of disputed information : Credit Card Explanation of item being disputed : There are XXXX different account numbers showing up for the same account. XXXX account, I did not give permission for the creditor to share my personal information, that's illegal. Now, I have XXXX different companies, reporting at the same information on my credit report. XXXX Account number XXXX shows that I am current and the account other company is reporting charged off, with XXXX late payments. Account number # XXXX shows the account as a charge- off, on XXXX shows 120 days late with XXXX payment late, on XXXX it shows charged- off with 12 late payments. All different companies have different statues and inaccurate information on my credit report. 
I am asking for this account to be immediately off of my credit report. Please mail me a detailed letter when this account is deleted. 

I was under the assumption, if companies are reporting inaccurate information, they should be delete. The CFPB is here to force the companies to correct their wrongs false information. Not just keep on changing information every time they get a report.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I been calling US Bank since XX/XX/20 and today is XX/XX/20. My balance is XXXX and Im unable to access the funds. Ive tried withdrawing the money multiple ways but it keeps declining. Every time I call the customer specialist says my card was inactive and hung up.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Subject : Request to Block Fraudulent Information Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear Credit Bureau Name , I am filing this CFPB complaint to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you block all information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

The fraudulent, inaccurate, and false information includes the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$510.00} XXXX XXXX XXXX Date Fraud Began : XX/XX/XXXX Balance : {$800.00} XXXX XXXX Date Fraud Began : XX/XX/XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX 
Date Fraud Began : XX/XX/XXXX Total Fraudulent Amount : {$600.00} XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Total Fraudulent Amount : {$680.00} XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Total Fraudulent Amount : {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Total Fraudulent Amount : {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  XXXX XXXX Date Fraud Began : XX/XX/XXXX Total Fraudulent Amount : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Total Fraudulent Amount : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$24000.00} These accounts have resulted in multiple fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I do not recognize any of the aforementioned accounts or collections, as they were not opened, made, or initiated by me. All listed accounts and inquiries are a result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud. 

Thank you for your prompt attention to this matter. 

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

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company, AMEX, is currently showing 30 days late for the month of XX/XX/2019. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2007 my home was vandalized and robbed while my family and I were out of the country, the police report number is XXXX. Its as if they were looking for something because the thieves stole files of tax information, televisions, jewelry, and a safe.Years has past since then but I pulled my credit recently and I noticed some accounts on my credit report that I do not recognize
Product: Credit reporting or other personal consumer reports

Im in disagreement with the account listed below which still appears on my credit report, even after your investagation. I would like this immediately reinvestigated. The inaccuracies are highly injurious to my credit scores. 

Account XXXX XXXX XXXX In accordance with the fair credit act, public law 91-506, title VI section 611 provide the names and business of each individual with whom you verified the follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is continuing to stick by the lie that they attempted to notify me about my deferment and forbearance periods ending. 
They never did, until my loan was almost in default. Then of course I responded immediately, as I would have if they actually would have attempted to contact me in any way, shape, or form. I believe they deliberately denied me information and avoided contacting me as long as possible to maximize the amount of interest on my loans.I had the same loans previously with XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, and XXXX/ XXXX XXXX XXXX and never once had a problem with a late payment or communication issue. It is only when my loan was transferred to XXXX that I began to have problems. Not a single phone call, automated or not, to me until I was almost 180 days past due, when I know I should have been in forbearance or had a zero payment due to my income based repayment plan. Seriously if XXXX the only option available to you, it is best to flip burgers. You'll likely come out ahead in the end, read any other complaint listed here or just search for news articles about them on the internet. They are not difficult to find.
Product: Credit card

I paid my account in full and requested that Discover immediately report the matter. The company has failed to do so and I have made the payment via XXXX XXXX from XXXX. They are not performing the request and have continued to harm me. This is the dispute in regards to Discover not closing the account. Payment was made to close it and yet keeping me hostage.
Product: Debt collection

On XX/XX/2017 DiTech Mortgage sent XXXX from XXXX XXXX illegally into my home.  Was told to contact XXXX XXXX to pay for damages and stolen property in the amount of $XXXX. Police report was made.  Have tried repeatedly to get this resolved to no avail.DiTech  Mortgage. Ph: XXXXXXXX XXXX XXXXXXXX  Az XXXXXXXX XXXX Manager XXXX  Ph: XXXXXXXX XXXX attn: XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR XXXX XXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SS NUMBER ENDING IN XXXX
Product: Vehicle loan or lease

I am writing to address a series of inaccuracies regarding my auto loan account with Chrysler Capital. The following details outline the discrepancies and actions taken : Account Information : Inaccuracies Identified : Date Opened : The account was reported as opened on XX/XX/XXXX, whereas it should be XX/XX/XXXX. 
Date Last Active : The account was reported as last active on XX/XX/XXXX, but it should be XX/XX/XXXX. 
Date Last Payment : There is no reported payment date, but the accurate last payment was on XX/XX/XXXX. 
High Credit : The reported high credit amount is {$19000.00}, which is incorrect ; the correct amount is {$19000.00}. 
Last Reported : The account status was inaccurately reported on XX/XX/XXXX and XX/XX/XXXX. 
Account Status and Details : Account Status : The account is reported as derogatory and in collection/charge-off status. However, the information regarding these statuses is incorrect.

Monthly Payment : The reported monthly payment status is missing.

Balance Owed : The balance owed is not provided accurately.

Account Term : The term was reported as 74 months, which appears correct but is noted for completeness. 
Actions Taken : Repossession and Sale : The vehicle was repossessed and sold by Chrysler Capital. Despite this, the reporting of the account as a bad debt is incorrect and reflects incorrect days and information. 
I kindly request that the companies involved review and correct these inaccuracies to accurately reflect the status and details of the account. Thank you for your attention to this matter. Previous Communication : I previously reached out to Chrysler Capital to notify them of these inaccuracies and requested corrections. Unfortunately, no corrective action was taken, and the incorrect information remains on my credit report.
Product: Money transfer, virtual currency, or money service

Approximately, XX/XX/2019 I received a wire transfer via another PayPal member. After trying to withdraw those I was told there was an " issue '' with my account and I needed to be verified. Over the course of three days I've been on hold with this company for over 4 hours with the reps telling me to " call back tomorrow ''. I've verified who I am through several transactions, account history in addition to credit report inquiries. Still, I'm told " there's something wrong ... you're going to have to call back tomorrow ''. Each day the wait to speak to a live representative gets longer and longer in addition to the {$100.00} my friend has wired me the balance is now {$96.00}. I've asked them to just close the accounts and mail the balance, again, " call back tomorrow ''. This is unacceptable ( especially for someone that's almost XXXX months behind on their mortgage due to the government shutdown. This friend was just trying to help and send what he had ... this has now turned into a nightmare ).
Product: Credit card

I had Capital One credit cards for over 7 years and was never qualified for an increase even when my credit score increased and made on time payments. Capital One also closed all credit accounts without notice or paperwork. When speaking with employee ID XXXX no compassion was given and loud sighs was heard over the phone and that was the manager. I felt discriminated upon for always being denied and dismissed from their employees and never considered as a customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A NATURAL PERSON I AM A LIVING HUMAN BEING I HAVE RGHTS UNDER 15 USC 1681 XXXX IS GOVERN BY 15 USC 1681 AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVED BECAUSE ACCORDING TO 15 USC 1681 I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX  WRITTEN PERMISSION TO FURNSH THESE ACCOUNTS ACCOUNTS XXXXXXXX XXXX # XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

Hello, Looking to express my concerns about a scam that I was recently victim too. 

This past saturday XXXX XXXX I was scammed into buying tickets that ended up not working. 

The scammers used XXXX for payment processing and it felt secure that the tickets would work. 

Unfortunately it was a complete scam, leaving me out about {$220.00} I contacted my bank ( Chase ) and they say I wouldnt be refunded, which makes no sense. 

I sent a scam alert to XXXX, still waiting to hear back. Would love to get refunded from this unfortunate event that left me stunned and a victim of this digital banking world.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan XXXX XXXX On my credit profile for my student loan it states that I was 90 days late but there's no 30 day or 60 day reporting on my payment history for XX/XX/XXXX and XX/XX/XXXX. This is inaccurate information and improper use of my credit report