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

I, XXXX XXXX, am acting on my own as a natural person and consumer. There is information on my consumer report that is a result of identity theft. Per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from the alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.These companies DO NOT have lawful authority to report these items as it's in VIOLATION of my privacy and these companies are required to have tax documents on file stating they charged items off with my WRITTEN consent. Please delete these items listed below IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These identified accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what l am asking of you and delete these accounts listed above. I look forward to your response. 

Thank you, XXXX, XXXX. UCC 1-308
Product: Credit reporting or other personal consumer reports

I am paying what is owed, However, I have a right to not have this information shared with the public. I have sent multiple notices with no favorable response. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Consumer reporting agencies Equifax, XXXX XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX XXXX and XXXX, XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise was revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that XXXX XXXX XXXX ( a ) ( XXXX ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I have also opted out of each of them sharing marketing, promotion and nonpublic information of any kind.
Product: Credit card or prepaid card

On XXXX XXXX I logged into my bank account and noticed I had 4 transactions on my account that I didnt do. The first transaction I noticed was at a XXXX in XXXX Florida for {$50.00} the next three that I seen were done at XXXX  there were two purchases for {$10.00} each and the fourth one was also done at XXXX  for {$50.00}. I immediately locked my card and contacted XXXX XXXX which is part of a company called Payfare that is used by XXXX to instantly get paid. I answered all the questions they asked explained to them that I looked up the XXXX and the store number And that it said it was in XXXX Florida and that I am located in XXXX Kentucky. They put me on hold for a while and when they came back asked what kind of phone I have and I told them I have an XXXX they then again put me on hold and when they came back they said that since I have an XXXX and my card had been added to XXXX XXXX  that they arent liable For the unauthorized transactions. 

It is my understanding that being a bank my money is covered by the FDIC and since they were unauthorized transactions the bank should have covered the money that had been spent without my permission
Product: Payday loan, title loan, or personal loan

Yes I got a small loan from security finance in XXXX XXXX wisconsin Ive been a customer to them for a couple years have always made payments never missed one they might be late and I pay the late fee but they just call as soon as Im a day late and before I would answer and tell them when they could expect my payments but after the last time I answered their call the lady had the nerve to ask what I did with my last paycheck so now I dont answer until I have the payment which means they call 3 times a day while Im working they have called my references trying to get a hold of me they are worse then mosquitoes Im fed up I plan on paying them I wouldnt not pay my loan off I just want them to stop with all the calls I know if its late Im not XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, Monday XX/XX/2019, I was charged for a TransUnion Report, Score, and 3-Bureau Monitoring service that I never requested. I just wanted to place a fraud alert after my brothers identity was stolen, but, while in the process of creating an account online with TransUnion, received an invoice for this service that I did not select. After a brief call, they said they would cancel it but couldnt ensure a refund. I find this behavior by one of the 3 primary credit monitoring bureaus to be deceitful and disgusting.
Product: Debt collection

On XX/XX/XXXX, I tried to pay my American Express bill by phone ( as is my usual practice ). For some reason, the phone commands would not work and I was re-routed to an individual. I paid my bill, but the individual stated that I had an issue with a prior gold-card that was terminated because it was unpaid. I said I didn't know anything about it I have not had a gold card, let alone one that wasn't paid. My credit rating varies between XXXXand XXXX. She said she needed to verify my information, which I gave her. She then stated that she was sending me over to someone in " Recovery '' stating that if I am not the person responsible for the debt, then it will be dismissed but they will expect me to sign a " Fraud Statement. '' This woman 's name was " XXXX or XXXX ( XXXX? ) and she had somewhat of an XXXX accent. I was then transferred to a male by the name of XXXX. The very first thing he asked me was if I filed for Bankruptcy in XXXX. I told him yes, but it was over 33 years ago when I was going through a divorce. My name at the time was XXXX XXXX XXXX. If so, it would have been included in the bankruptcy. I also stated that I did not recall an American Express card, but it was possible. He then stated that I had an unpaid balance with American Express. I was in a state of shock that American Express was going after me for a debt, beyond the Statute of Limitation that was discharged in Bankruptcy. I told him I thought was American Express was doing was illegal. I was extremely upset about this incident and believe this should be investigated.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this account ( A ). It is not permitted to report this account as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report before I go and apply for a secured credit card and i notice some accounts and inquiries on my reports that aren't mine. 
XXXX  shows 1 ) XXXX XXXX  opened in XX/XX/XXXX for {$900.00} 2 ) XXXX XXXX XXXX  opened in XX/XX/XXXX for {$300.00} 3 ) collections from XXXX  XXXX/ XXXX  XXXX inquiries on XXXX  1 ) XXXX XXXX XXXX  XX/XX/XXXX 2 ) XXXX  XXXX XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX XXXX 4 ) XXXX  XXXX XXXX Transunions shows 1 ) XXXX XXXX  {$900.00} 2 ) XXXX XXXX XXXX {$300.00} collections 1 ) XXXX XXXX/ XXXX XXXX  {$590.00} 2 ) XXXX XXXX XXXX XXXX  {$700.00} inquiries XXXX  XX/XX/XXXX and XX/XX/XXXX XX/XX/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. These accounts are reporting late as reported in my 3 Credit Bureaus. Lets correct this right away. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Here is the list of accounts that needs to be removed : CAPITAL ONE BANK USA N XXXX Balance {$0.00} XX/XX/XXXX ; CAPITAL ONE BANK USA N XXXX Balance {$890.00} XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I was in a car accident that wasnt my fault. I immediately contacted Toyota financial services the next day and told them what happened. Me and the insurance reached out to Toyota about the accident. During the process Toyota repeatedly told me to not make a payment on the account because the car was going to be deemed a total loss. Fast forward nearly two months Im hit with a late payment mark to my credit accounts. Ive been building my credit for a year and a half now. I had a XXXX credit score and never missed a payment on anything before this incident with Toyota. My score went down XXXX point despite faxing and emailing countless paper work and documents to Toyota proving that the car was deemed a total loss by XXXX XXXX  nearly a month before Toyotas false missed payment claim. Ive never missed a payment with Toyota ever. XXXX and I have evidence of Toyota cashing the total loss check and not updated my account information to closed despite receiving countless documents to close the account. Toyota recently close the account last week as of XX/XX/2022 but are reporting they closed the account as of XXXX, XX/XX/XXXX. They are falsely reporting information to the credit bureaus. Ive been stressed out trying to both email and fax them the documents they were claiming they didnt received through all of XXXX and even early XXXX. I just want the credit mark to be taken off my account. Its not fair that Im being penalized for a late payment when Toyota associates told me not make a payment on the account because the car was going to be deemed a total loss. I have countless paper work and documents proving the car was issued a total loss by XXXX XXXX  a month prior to their false late payment claim. This has been one the most stressful process of my life.
Product: Debt collection

Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company to update my credit report by deleting the negative, unverified, and inaccurate information from my file. My first letter was signed and received by them on XXXX/XXXX/2020. The negative item remains a collection, however, I received no letter, let alone proof validity. I then mailed a second validation letter, ( per USPS, it was signed for on XX/XX/XXXX20 ), asking them to prove to me how this negative, erroneous information belonged to me. I received a response stating they've, " reviewed the dispute and will not review again. '' I have given well over 30 days to respond to the validity of this debt with no proof in sight. How is it possible for them to continue reporting CLEARLY Unverified, Invalidated, AND Inaccurate information to my credit report? 

I am requesting this negative and unverified collection be deleted immediately. Once a deletion letter has been drafted, i would like a copy mailed to each of the three major credit bureaus. I am also requesting a physical copy of this deletion letter to be mailed to me directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written Equifax numerous times about the reporting of 2 Public Record being reported on my credit report. I have sent the a letter from the Bankruptcy courts stating that they do not report to the credit bureaus and a letter stating this information should be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete these inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is repeatedly reporting inaccurate and late fees, over limit etc on my credit report - They were notified in XXXX that they were included in a XXXX  XXXX Bankruptcy and still send late notices, report inaccurate on my reports-
Product: Debt collection

ID Theft Victim. See letter attached, and report. If not resolved, legal action will follow!
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX XXXX XXXX : {$23000.00}
Product: Checking or savings account

I received multiple invitations, both through email and physical mail from Citi bank to open an accelerated savings account to earn XXXX $ bonuses after meeting certain requirements. 

Right after I opened the savings account in XXXX, I called the bank to ensure and got confirmed I am eligible for the promotion/bonuses advertised. 

When I didnt receive the bonus in XXXX after meeting the requirements, I called Citi bank XXXX After looking into it, they say I should receive the bonus on XX/XX/XXXX. 

However after I checked and called again in XXXX, Citi said I dont have a promotion attached to my account. However, I applied the account through the link sent to my email. I also called several times to ensure I am eligible for the promotion. I put large amounts of deposits idling in the account just to ensure I am meeting the requirements to receive bonuses. I have done all the right thing I can possibly do, and Citi bank refuse to honor the offer. 

The invitation code I received in my email is as listed. 
Invitation Code : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX XX/XX/year> Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear, EQUIFAX I am XXXX to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score. 
The unauthorized inquiries related to identity theft are as follows : Please remove inquiries below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), XXXX have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ). 

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

Try to make house payment and says that loan has been transfered to another company. I have no notification of this. Was a  Prime Lending  loan and now I have no clue who it belongs too.
Product: Money transfer, virtual currency, or money service

Il am writing to express my concerns regarding Zelles handling of disputes, particularly in the light of recent CFPB lawsuit with this platform. Despite using Zelles numerous times and their failure to investigate my claims adequately.
Product: Credit card or prepaid card

not getting my platinum card statements, they blaming USPS, its not USPS as i am getting my other amer exp statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted that someone opened an account without my permission. This account is a fraud, and I am a victim of identity theft. Please remove this account from my credit report. 

XX/XX/2023, account was opened for a a total of {$300.00} dollars. XXXX XXXX XXXX
Product: Checking or savings account

URGENT : Immediate Action Required on My Funds Unacceptable Delays and Unprofessionalism! 
I am beyond frustrated at this point, and I demand immediate action regarding my funds. On XX/XX/XXXX, my Chase business checking accounts were closed. Since then, Ive been dealing with a nightmare of endless delays and incompetent customer service. 
A few days after the closure, I called to check on my funds, and I was told it would take 5 business days to process them, with another 7-14 days for delivery. I patiently waited for that time frame, and when nothing happened, I called again. I was told to give it extra time, that by XX/XX/XXXX, I should have received my checks. I gave it more time, as advised, but then I called back on XX/XX/XXXX only to be told the account was closed ( which I already knew ) and that my funds were still on hold they hadnt even been mailed out. 
I requested to speak to supervisors multiple times, and let me tell you some just hung up on me, showing a complete lack of professionalism. Others told me there was nothing they could do, and Id just have to keep waiting with no clear time frame they said it could take a year, or maybe less. The sheer rudeness and complete lack of accountability was astounding. They claimed the back office was " working on it, '' but they couldnt even get in touch with them. 
Finally, I spoke with a supervisor named XXXX who, at least, seemed willing to help. She promised she would reach out to the department and try to get my funds released soon. I explained my urgency, mentioning the California fires and how critical it was for me to get my money, and she assured me shed do everything she could. We agreed that if she didnt call me back on XX/XX/XXXX, I would escalate the issue further. Well, XX/XX/XXXX came, and I called again. After spending yet another XXXX hour and XXXX minutes on the phone, I spoke with another representative, XXXX, who confirmed that XXXX still hadnt provided an update and that there were no notes on my account indicating any progress. 
This is unacceptable. I have been patient, Ive tried to work with this bank, and Ive been more than reasonable. But every time I call, Im met with more delays, more empty promises, and a complete lack of respect for my time and situation. I shouldnt have to justify why I need my own money this is my money, and you have been holding it hostage for over a month, benefiting from the interest and lending it to new customers while I am left to suffer.
Product: Mortgage

Bayview Loan Servicing is incorrectly reporting late payments on a loan that never existed. The line item on my credit report appears to be a duplicate of a XXXX XXXX XXXX XXXX. They have reported late payments of greater than 120 days as recently as XX/XX/XXXX. These incorrect late payment reports are preventing me from qualifying for a mortgage. I have no other negative items on my credit report. 

I have asked Bayview to review the account in writing and via multiple phone calls. They leave the erroneous information on my report, and typically add an additional late payment to my report for whatever the current month is when I file the request for them to investigate or a request/dispute with the bureaus. 

Months of incorrect late payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Also of note - on my credit report it shows " account closing date '' of XXXX. Last activity date of XXXX.
Product: Credit card or prepaid card

The company has been double charging interest/fees against the XXXX XXXX XXXX I have with the company. This has been occurring for over a year. The statement clearly layout the overcharges and the company accepts not responsibility. It's gotten so bad that the current balance had a negative amount.