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

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not allowed me access to my credit report or credit score to either me, or any financial organization. I have tried to get access to my Experian records/score for years!!! I have submitted multiple requests for help from Experian with NO RESPONSE! As of today, I spoke with them again. Again, I spoke with 6 different people. Again, they either could not or would not resolve the issue. Nor tell me the problem, The only questions I have asked repeatedly is " why can banks, lenders, credit card companies or me, why can we NOT access my Experian credit report or score? No one has been able to tell me or grant access to this report/score. I first discovered this when I went to buy a home in 2020. The financial lender said they were unable to 'pull ' my Experian credit report. As a direct result, I was unable to get the 'best ' rate as my risk was unable to be accurately determined without all 3 credit bureaus reports being available the underwriters. No one I spoke with at Experian was able to fix, resolve, etc. Finally, I ask/beg the US Consumer Financial Protection Bureau to intervene on by behalf. I am SURE that this is happening to thousands of Americans- the result being higher interest rates in millions of dollars in mortgages and credit cards. Bad news for many, many Americans.
Product: Credit card or prepaid card

I was charged twice for XXXX XXXX ticket which i cancelled and got refunded for 1 however Citi is not accepting my dispute requests and is not helping me get refund i believe Citi is not understanding that first time when i opened a dispute against XXXX XXXX which I cancelled allowed XXXX XXXX to do a duplicate charge exactly of the same amount which was reversed on XX/XX/XXXX by Citi.
Product: Money transfers

On XXXX/XXXX/2016 I received an email from my boss authorizing me to send a wire in the amount of {$21000.00} to a consultant. I sent the wire and when I confirmed this with my boss, he told me he had never sent that email. My IT department informed me that the email was a " spoof '' that came from a XXXX address in Louisiana. I immediately informed Bank of America and put through a request to recall the wire. BOA informed me that they had recalled it and gave me a recall # to confirm. Today, BOA says they have still not recovered the amount yet. The wire was sent to an account at XXXX Bank XXXX in XXXX XXXX, MN.
Product: Debt collection

My personal information was used to open fraudulent accounts. I found out around XX/XX/2019, when trying to apply for school and being denied loans. I received a free copy of my credit report to find that I had been a victim of identity theft. I immediately contacted the companies listed and was required to file a FTC affidavit, a CFPB complaint and a police report from my local department. All of that information was retrieved and submitted to all companies of fraudulent accounts. I disputed these accounts with XXXX, XXXX and XXXX, because the companies denied giving me information on these accounts, for the reasons of the information that I gave did not match what was recorded within their system. These accounts in dispute were removed because I supplied all required documents. The accounts have now been inserted back into my credit report XXXX  years later as a charge off. I am being held accountable for fraudulent accounts. I am resubmitting required documents as well as an updated FTC affidavit, and the original police report that was submitted during the time of removal.
Product: Credit reporting or other personal consumer reports

i disagree with the account listed below which still appears on my credit report, I would like this item immediately re-investigated, the inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX XXXX  WITH A REPORTING BALANCE OF {$460.00}. ) in accordance with the fair credit reporting act, public law 91-506, tittle VI, subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. please send me an updated copy of my credit report after your reinvestigation. send it at my email at XXXX and my social is XXXX
Product: Credit card or prepaid card

I tried to use the gift card for an online purchase but it was declined. I contacted the gift card issuer and they said that I needed to register the card online to use it for an online purchase which is not stated in their card member agreement as they stated. They then told me that it would be 10 days before the funds will be returned to the card and claim that was also on the card member agreement which it was not. The money is still not returned to the card after 10 days. 
Blackhawk Network XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the following inquiries which I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

This bank sent me a mailer trying to get me to open a checking and savings accounts with them and in return I am to receive a total {$500.00} bonus. I read the terms and conditions carefully to confirm that I qualify and emailed them at the beginning to confirm that I qualify. The reason I did this is the promotion required I leave a large amount of money in the account for many months earning no interest. 

The bank wasted my time for 5 months telling me I need to wait for the bonus then finally told me I don't qualify because I had accounts with them in the past. 

When I explained to them that I was a customer greater than 12 months earlier and the terms and conditions clearly state that I qualify as long as it's been greater than two months, the service agents refused to review my documentation or fix their error or credit the missing bonus. 

attached is a copy of the mailer they sent me.
Product: Debt collection

I received a letter from an attorney claiming that he will help with a law suit filed by Wells Fargo bank for unpaid debt. I never had debt with Wells Fargo bank.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I went to a particular bank, which told me I had to go across town to this specific bank to cash because they dont cash this type of check there. I was racially profiled. So I went to the other bank as told, to cash my cashiers check of {$500.00} given to me by the CEO of this said bank. The teller immediately scrutinized the check looking at it up and down back in front several times they not once asked for my ID to verify who I was, and that this cashiers check was indeed legitimate which a bank can tell by the system because a cashiers check act as cash and with that I even offered to give my ID, in which I was ignored. She then went and got two employees look at the check. One told me that-she called and they said they dont have any information on this cashier check. She told me she have to call that bank that sent me to have customers not come to the bank because we dont cash this type of check here either and I asked again. Why is this happening? She said its a long process etc. 
After dealing with this for a few minutes, I asked to speak with their manager then she told me was unavailable. I asked her are you in charge to take care of this matter she said yes, and then gave me her card with her name on it also with a very rude attitude. After all of that to make it worse, she said have a happy holiday. I would like to add I was depending on this check for my kids XXXX. The very next morning I called the bank to discuss this interaction that happened the day before, in which I did not get the answers to my questions and was disregarded.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX AccounXXXX XXXX XXXX No. XXXX has violated my rights. 

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.
Product: Debt collection

i did send three notices to this corporation trying to provide remedy and did ask how i am to pay since federal reserve notes are not considered payment and are only debt notes ; this corporation has added negative statements to the credit report ; this corporation can not provide the original promissory note nor did this corporation fully disclose what the use of the promissory note was and did sell the original and did not include the beneficiary of the Estate in doing so ; attached you will find correspondences i did send to the company
Product: Student loan

After graduating school in XX/XX/XXXX, I started paying my student loans in the fall of that year. By spring of XX/XX/XXXX, I began paying via an Income Based Repayment Plan. FedLoan had become my Loan Servicer.  Because I am XXXX and make a very small salary, my payments were {$0.00}, and I would pay some interest annually. I was always approved for the program so had no problem. In XX/XX/XXXX I tried to switch to a REPAYE plan with FedLoan, which has slightly better conditions, and it has been absolutely out of control. I began to receive contradictory reports, such as that I owed about {$550.00} a month, which is half my monthly income, which makes no sense on any IBR. I spoke with FedLoan on the phone myself in early XX/XX/XXXX with the aid of a student advocacy service ( XXXX XXXX XXXX ), and they told me I would be enrolled in the program for a reasonable {$35.00} a month. On XX/XX/XXXX I got an email saying I was approved for an IBR ( not REPAYE ) for {$490.00}. I called them again and they reaffirmed that I would be on their plan for {$35.00} a month. So they ca n't even seem to get their own figures right. All was quiet as the Administrative Forbearance supposedly needed to process this happened ( all the while interest continues to accrue ), until on XX/XX/XXXX I received a bill for {$690.00} from FedLoan which they said would be withdrawn automatically ( although I am not enrolled in this autodraft ) from my Debit account. To make it even more confusing, today, XX/XX/XXXX, I was told I was approved for an IBR plan ( again, not REPAYE ) for {$330.00}. This is absolutely outrageous. They ca n't get their numbers straight, they ca n't figure out which plan I am on, even though I have submitted all the certification paperwork ( and recertification ) year after year. I simply can not afford to pay either {$690.00} or {$330.00} OR {$490.00}, and these are outrageous figures " generated '' for an income based repayment plan. If I could afford these, I would n't need to be on an IBR in the first place!
Product: Credit reporting or other personal consumer reports

i paid my loan, the creditor went report an inaccurate late payment on my credit report i want them to remove it immediately
Product: Credit card or prepaid card

On XX/XX/XXXX, I reported to Comenity Bank that a charge on my Zales credit card statement for {$3300.00} made on XX/XX/XXXX was not valid. Since I was in possession of the single credit card on this account, I asked the customer support representative if the charge was made without the card, and they confirmed the the charge was was made only with personal id. This was the 4th instance in XX/XX/XXXX where either there was either attempts to open new credit or a similar charge made only with fraudulent personal id. After the first instance, I initiated FTC Identity Theft Report and fraud alerts on my credit report. In XX/XX/XXXX, I completed and returned a follow-up fraud information sheet to Comenity Bank. In letter dated XX/XX/XXXX from Comenity Bank, they informed me that they could not find any basis to support my claim. I replied to that letter with a copy of my FTC Identity Theft Report and a statement with my plan of action -- filing this complaint and subsequent legal action if they reported false information to the credit reporting agencies. 
Additionally, the other 3 instances of identity fraud have all been resolved in my favor.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2015 I secured a mortgage through XXXX in the amount of XXXX. I never missed a payment and this account is not being reported by Equifax. They refuse the properly report my credit worthiness. 

This is the 3rd account that has never been late and was in perfect standing they refuse to report. XXXX has reported it but I pay for the XXXX service. I dont pay Equifax maybe thats why they dont report my credit properly. 

They need to report my previous mortgage immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I opened up an account which shows on my credit report as XXXX to be reported for XXXX year using a security deposit. This was to build my credit and get a return of the security deposit at the end of the XXXX year period. After XXXX year ended, instead of receiving back my security deposit when requested, the company started a new unauthorized account which showed up on my credit as XXXX ( XXXX XXXX ). I tried contacting them to dispute it but I could not get through to anyone. To avoid my credit being negatively affected, I made the minimum payment while trying to dispute and close the account. During this time I could not log in or create a new account online. I was out of work for a period of time in XXXX and could not continue making payment but still could not get the company to close this account. In XX/XX/XXXX, I figured out how to email XXXX XXXX and informed them that I never authorized the account or received a statement from them. I was informed by email that its done automatically and and you have to log in to get one. I informed them that I could not log in and the number on back of the card could not reach a person not give me account details. I was also told that they closed my account back in XX/XX/XXXX and took my {$470.00} security deposit to pay for fees and late fees and that I still owed another {$170.00}. However, they lied because this account is still showing as open on my credit file, further damaging it. The {$470.00} was my money to use but the late fees came from this company who refused to close the account. I am currently still receiving invoices for fees and my credit is ruined due to this company. I was told by email that they would not remove this account from my credit report until I pay them {$170.00}. This is Fraud because I never authorized this account to be added to my credit again. I continue to receive harassment emails from this company and Im told that my it wont stop until I pay them {$170.00} and then late payments will remain on my credit file. I want this removed this from my credit file. This company commits fraud and add unauthorized charges and fees to consumers credit report. Then they refuse to work with customers in order to resolve the issue.
Product: Mortgage

Ive contacted US Bank several times requesting a payoff statement. Im told each time that it will be sent but I never receive it. The only recourse Ive been provided is to keep requesting my payoff statement over and over. US Bank is the worst mortgage servicer and I hate that my mortgage was ever purchased by this XXXX institution. I want my payoff statement so I can sale and move on from this nightmare of a so-called bank.
Product: Debt collection

Santander is reporting negative information on my credit report. I have taken the necessary step to dispute the information with the credit bureaus. ( I disputed the account in XXXX XXXX ) The credit reporting agencies said everything was verified with the data furnisher & if I had questions about the account I needed to contact the data furnisher directly. I 've sent them XXXX different requests XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX to provide me with all necessary documentation showing the account belong to me. They have ignored my requests. So I contacted the credit reporting agencies & they said I need to supply documents showing the information is inaccurate. I 'm very confused ... how would I have information showing these accounts are inaccurate? I 've researched the FDCPA & FCRA and found out that it is the responsibly of the data furnisher to provide the consumer with all proper documentation when requested.They are not following the rules & I 'd like this information removed immediately!!! I 've included the letters sent to Santander to validate my position.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX XXXX to XXXX XXXXXXXX XXXX, I have acquired multiple hard inquiries on my credit report that I did not authorize. Under the fair credit act section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : If you have no written signature from myself, please remove these items.
Product: Credit reporting or other personal consumer reports

tHIS CAR WAS TOTALLED IN XX/XX/XXXX. INSURANCE REQUESTED PAYOFF AMOUNT. XXXX SENT PAYOFF AMOUNT AND THEY PAID IT. GAP DID NOT HAVE TO PAY ANYTHING BECAUSE THEY SAID THE LOAN WAS PAID OFF BY MY INS CO. IN XXXX AN AMOUNT OF {$1600.00} WAS PUT ON MY CREDIT REPORT. THEY SAID THIS WAS PRINCIPAL THAT WAS OWED. ASKED FOR DEBT VALIDATION AND XXXX XXXX XXXX TOLD ME THAT THEY DID NOT HAVE ONE.
Product: Mortgage

I took out a mortgage from XXXX XXXX in XXXX. I had a loan modification with XXXX XXXX in XXXX, XXXX. At that time I received a modification agreement from XXXX XXXX with dates that my interest rate would change. The documents states that all other parts of my mortgage would remain the same. I have a PMI schedule from my original loan that states that when my loan reaches a balance of {$220000.00} that my PMI payment would reduce from {$210.00} per month to {$43.00} per month. Shell point mortgage refuses to lower my PMI to this amount. When I have repeatedly requested this, they sent me a document that I have never seen, showing an effective date of XXXX that states my PMI payment is {$210.00} until XXXX when it reduces to {$43.00}. Shellpoint mortgage continues to charge me {$210.00} per month for PMI. When I requested that they credit me back the additional {$2.00} that they have charged me the entire time, they have ignored my request and have not even addressed why they are charging me more than the original amount that both my and their documents show. I feel that this is fraud. They are refusing to honor my contract.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX is reporting my account with them as late for the passed 4 months- disputed with all the reporting agencies all come back as verified when I sent clear evidence there was a mistake - XXXX XXXX has tried summiting the proper information to the agencies and but they are still reporting wrong information on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

capital one auto finance XX/XX/2021 unauthorized credit check didn't apply for car loan
Product: Debt collection

This debt was paid. In full XXXX XXXX XXXX XXXX was taking XXXX XXXX out of my bank acct monthly.From XX/XX/XXXX Until XX/XX/XXXX .I have bank statements to prove it. 
Since they sent a summons I file a couple of the statements with the. Clerks office. On XX/XX/XXXX I do have more bank statments if needed. 
I truly believe since the company has exchanged owner ship of the debt 3 times.It may have been lost in the shuffle XXXX XXXX? 
XXXX XXXX  they took all my money. 
XXXX XXXX XXXX - if they touch XXXX XXXX I will sue them.Its paid in full.
Product: Money transfer, virtual currency, or money service

I am a XXXX XXXX XXXX Veteran with several XXXX, My Wife is a XXXX XXXX XXXXr. Our house was heavily damaged from Hurricane Ida. We are still doing repairs to our house. We had some Money in our account for these repairs from XXXX XXXX XXXX XXXX. I was contacted by an Male who stated by E-mails, Text Messages and Phone Call that he was from JP Morgan Chase Bank Fraud Department. I told him i didn't know him from XXXX to XXXX because he called me and that if he was a Real Chase Bank Employee. This Man gave me more information about my account than that of which i knew. He Stopped Two Transfers and the Last on was for {$18000.00} USD and i could not stop this one so he tried to walk me through it ... I then changed my Username and Password and hung up on him to get chase to stop this transaction and put a hold on my account until which time i could better secure this account or start another account. They advised they could not stop it and restricted my account on XX/XX/2022 with in five minutes of the transaction appearing on my account. After contacting Chase Branch Manager and Fraud Dept Supervisor they advised i told the teller i gave him the code on a recorded line. They Declined my claim and would not take an appeal. I can not afford on XXXX pay to finish the repairs and we were now in a bind. I don't know what else to do, i am very scared and i am about to give up. I filed a Police Report the same day, this is wrong.. i didn't know what to do, i didn't intentionally give anyone information on my account to scam the bank. Please Help Me, I have already been taken advantage by several contractors since the storm and now i have to try and finish the repairs myself, I have XXXXXXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and turn XXXX this saturday and my wife is XXXX XXXX XXXX XXXX  of 37 years.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., XXXX., in accordance with basel 3 accord and XXXX XXXX.