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

2019/XXXX/XXXX  Received letter dated 2019/XXXX/XXXX, stating " We have received a request and added to your credit report an Extended Fraud Alert. '' 1.  WHO/WHAT/WHEN/WHERE/HOW requested to ADD the fraud alert? I have actually called numerous times to REMOVE, not add. 
2. Provide US based customer service direct phone line, not some generic line where there is no way to talk to humans. Provide 2 names and phone numbers that I can reach directly.
Product: Payday loan, title loan, or personal loan

Hello ; Cashcall charged this debt off without notification of collection, and it remains on my credit report. I request that Cashcall either provide a way to pay this debt off or remove it from my credit report.

Kind Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed many inquiries that was made without my knowledge. I am requesting once again to have all these fraudulent inquiries removed from my credit report : Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX NA Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date XXXX XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX  XXXX XXXX Inquiry XXXX : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX, XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason XXXX Miscellaneous Creditor Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  Inquiry Date XXXX XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : Miscellaneous
Product: Checking or savings account

Discover processed a XXXX from the State of California without notifying me. They claim that they sent al latter on XX/XX/XXXX or XX/XX/XXXX but the letter was XXXX received. I contacted them on XX/XX/XXXX to ask about an official check that had been issued in the amount of {$520.00} and that when I found out about the levy.
Product: Money transfer, virtual currency, or money service

Hello, I received an email from what looked like to be my escrow company informing me that the rest of my down payment, XXXX for my first house will need to be sent to their trust account and it provided me a new account and routing number. While looking at the email on my iphone, the name of the person who messaged me was the same as my escrow co. But when i click on the name, the email addressed appeared and I knew it was a fake email and the new wire instructions were not of my escrow company but I did not notice this until after the transaction. I have been in contact with Chase Bank ( my Bank ) and XXXX XXXX ( receiving bank ) ever since the transaction on XX/XX/XXXX and i dont believe much progress has been made. XXXX XXXX did call me over the weekend when I first sent the funds and left me voicemails, but I did not pay much attention to them since the voicemail did not state my name ( i assumed it was spam ) until Monday XX/XX/XXXX when my Escrow Co informed me they still haven't received my funds, i called back XXXX XXXX and they confirmed that they will hold the funds, they knew something was off since the name of the funds did not match the owner of the account. Since then, I have only been able to contact Chase Bank via secured messages on their app ( they are currently not accepting calls to their wire team because of Covid ). these messages sometimes take a week to get a reply back, they claim to be in contact with XXXX XXXX on the issue and now XXXX XXXX is requesting an Indemnity Letter, Chase informed me of this and asked me to contact XXXX XXXX directly for this at XXXX for the template. I sent the second email today to this email address and still have not received a response. Chase advised to call chase fraud team, but the fraud team told me they can not do anything and to keep in contact with Chase wire team via secured messages on their app. I have gotten this run around times from Chase Bank. I need help and advice on what my next steps should be. XXXX XXXX will no longer help me since I am not a member, they will only accept calls on the issue from Chase Bank.
Product: Credit reporting or other personal consumer reports

I request all late payments be removed from my consumer report, pursuant to 15 USC 1681 ( 2 ) ( A ) ( i ), which states the term " consumer report '' does not include " report containing information solely as to transaction or experiences between the consumer and the person making the report. '' Another exclusion of consumer reports is " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' ( 15 USC 1681 b ( 2 ). The term " credit card '' is " any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' Credit was extended using my credit card ; therefore the negative reporting of the account is unreportable. The following accounts are exclusions and I request their immediate removal from my credit file : XXXX 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. Do not report any collections, charge-offs or late payments pursuant to 15 USC 1681c ( a ) ( 4 ) and 15 USC 1681c ( a ) ( 5 ), which state to antedate the report by more than seven years. Section 1681s- 2 ( 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. '' To avoid additional violations of the FCRA I am requesting the following information be updated on my consumer reports as follows ( 15 USC 1681b ( a ) ( 2 ) ) : a. Removal of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  b. Removal of all addresses from my consumer report. My location information is : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  The burden of proof is on the persons furnishing fraudulent data on my credit file. This whole experience has caused me significant mental and emotional anguish, stress, XXXX, loss of sleep, denial of credit, financial hardship, and loss of time.
Product: Mortgage

In XXXX there was a disaster I was a part of, federally declared. At the same time my husband was injured in a car accident and ordered not to work temporarily. His job advanced him some funds, but with a basic halt in income coupled with the added expenses we had due to the weather related disaster we were in need of assistance. Our loan is an FHA loan, and I called as instructed by PNC as the procedure for request a short term forbearance to allow us time to catch up. The representatives were deliberately confusing and misconstruing my situation. They forced me to fill out and entire hardship application for long term assistance, which is not what I requested. They entered false information about my situation into my file. They denied me a forbearance that they are supposed to provide to disaster victims. This has been an ongoing pattern for them. I managed to borrow enough to keep the mortgage from going over XXXX days that month and the next. My husband was finally cleared to go back to work, then a hurricane hit and we became part or another declared disaster, I again requested forbearance, but because they had already moved me to loss mitigation that wouldnt be possible. I spent hours arguing with different individuals on the fact that I should never have been moved to loss mitigation. My single point of contact XXXX rarely responds, one of the higher level people argued with me for XXXX mins that my county wasnt a part of the disaster, I have filed a complaint with the executive customer service, they are very sorry for my experience, but I still dont have a solution. Ive asked for these denials in writing so I can file a complaint with HUD, they dont send it. So I have XXXX short term forbearance qualifying events and still no one acting like its urgent. I will be 30 days late on The XXXX of XXXX and it will start the downgrade of my credit score thereby determining my ability to even get refinanced out of this nightmare loan with this company. Ive paid mortgage insurance for 20 years, I owe XXXX on a house with XXXX so foreclosure would certainly work in their favor and profit. 
They are not acting with my interest in mind in any way, and I believe violating rules around FHA and disaster assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Transunion to put a credit freeze on my report for a fraudulent hard inquiry at XXXX on XX/XX/23 we were unable to resolve the issue in a satisfactory manor. 
My credit report as illegally accessed by XXXX XXXX XXXX.
Product: Debt collection

Our survelliance records show they sent a collector to the house after the legal hours. 

they sent someone over after XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX number : XXXX XXXX  XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted several disputes about the same issue. I sent disputes XX/XX/2023, XX/XX/2023. I either receive no response or the error isnt fixed. This is so frustrating, theyre are violating my rights and reporting inaccurate and unverified information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint to request the removal of a fraudulent account from my Credit File under section 605b of the Fair Credit Reporting Act. While I appreciate the Credit Bureaus ' efforts to remove some of the disputed accounts and information, there is still an account on my report that should have been removed. Upon recently reviewing my credit report, I discovered an account that I did not open nor have any knowledge of, which has not been properly verified. I urgently require the removal of this account : XXXX XXXX XXXX XXXX Balance : {$0.00}. I want to make it clear that I did not authorize the opening of this account nor did anyone do so on my behalf. This is a case of identity theft and I am reporting it to the authorities. If the Credit Bureaus insist that the disputed items are legitimate, I demand that they provide me with supporting documents. Otherwise, I expect immediate deletion of the disputed items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 43 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Student loan

I applied for all fixed interest loans and some how most of my loans are variable interest student loans. I asked them about this and all they told me at XXXX XXXX is thats just what they are. I already pay 12 % and up in interest and its subject to just keep getting higher. I know for a fact I applied for fixed interest so I wouldnt have to deal with the increase in interest rates later on but didnt think I needed to keep that as proof. Shouldve known better.
Product: Credit card

I have changed the settings in my Best Buy credit card electronic system so that only the minimum payment could be paid from my XXXX XXXX XXXX account, and erased all previous bank accounts so they would n't be charged. In this month, XXXX 2015, Best Buy charged both of my bank accounts, XXXX for {$63.00} and XXXX XXXX XXXX for {$1700.00}. I never authorized Best Buy to take the full balance from my XXXX XXXX XXXX account, since I know I do not have all the funds available. In addition, I had removed my XXXX account from their system, which makes the payment processed on XXXX/XXXX/2015 unauthorized as well. I have both of my accounts negative and no money for the week and bills, due to unauthorized activities from Best Buy. Yet when I contact them, their response is that this is my error and they are not responsible for any of these system errors. Both of Best Buy claims department and costumer service department contradicts each other as when giving me information, and lacks communication. None could help me explain why was I being charged and the mix information given was that I must cancel online, and the other said to cancel the automatic payments over the phone. I have done both but my account was once again charged and overdrawn for {$1700.00}. This whole situation is very stressful and drives me desperate, since I am left with several overdrawn fees, no money in my account for personal use or to pay bills, and several hours of phone conversations to have no solutions. I am tired, stressed and under a whole lot of pressure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Items was on my report that wasnt mind also items was included in my police report i sent in
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern all 3 bureau XXXX, XXXX, and Equifax are reporting misleading and false information on my credit report. They are in violation of 15 usc 1681b ( a ) ( 2 ). Which states that a consumer reporting agency can only furnish a consumer report with my written instructions. I am seeking litigation for my rights being violated and the stress that all 3 bureau have caused. I demand any unauthorized misleading inquires and negative accounts that are negatively reporting on my credit report be removed. And all inaccurate late payments be correct to payed as agreed.
Product: Checking or savings account

I called Money Network and they said that my Social Security Number was invalid when it was not. They also said my Card Number was invalid and it was not. Im a XXXX  and Im broke. I need my account opened back and they arent giving me any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I received a call from a XXXX XXXX from XXXX @ XXXX Ext XXXX stating that I owed {$400.00} to XXXX, but they wanted XXXX however they would take less. I asked for a validation of debt he transferred me to someone else who got made because he wanted me to go online & I was at work & told him now was not good to give me a number & I would call at a better time. He got mad & said he was going to tell the debtor I did n't want to pay. Now today XXXX XXXX, 2015 XXXX XXXX had come called people from my XXXX page saying I had used them as a reference. They will now not return my calls as I stated they I was going to make a complaint about their tactics.
Product: Student loan

The department of Education started garnishment of my employment wages for {$12000.00} XX/XX/XXXX I do not accept the debt under proof of claim because XXXX XXXX XXXX neither the department of Education have produced any original documents that I signed as proof that I owe anything I contacted the department of Education on XX/XX/XXXX to find an {$8500.00} balance and more uncooperative conditions by the department of Education I tried to stop further financial damages I coresponded certified mail an overpayment of {$15000.00} to cover the balance, processing and administrative fees payment was kept by the department of Education but the account was not credited garnishments of my wages still continue rendering bad credit reporting to the Credit Bureaus I coresponded by phone to the department of Educations collection agency stating I shouldnt have to pay a debt I dont owe unless hard wet ink evidence is provided not a fabricated copy nor should I have to continue to pay a debt I already paid in full the collection agency forwarded me to the department then I was forwarded back to the agency followed by coresponding a letter from the department limiting my communication to the third party collection agency only.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputed the accuracy and verification of a bankruptcy listed on my credit reports for over a year. The outcome always states that it has been verified either by the courts, or XXXX XXXX. I received a letter from the court stating that they do not verify Bankruptcies, and XXXX XXXX has been frozen since XX/XX/2023, and I submitted my disputes in XX/XX/2023. 

I also received emails to verify my identity in order to stall my dispute... However on XX/XX/2023 when I mailed off my disputes I included my lease and My Drivers License. That would mean that they never even looked at my letters and completed a proper and fair investigation. 

In accordance with the Fair Credit Reporting Act. 15 U.S.C. 1681 section XXXX02 A States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. Public Record XXXX XXXX XXXX - XXXX XXXX. XXXX. XXXX Has violated my rights.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelle 's handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial intuition failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and the tracking these transactions was unfeasible. The CFPB 's findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ) Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( XXXX XXXX XXXX XXXX Content of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a Collections accounts. This account have resulted in several fraudulent hard inquiries and fraudulent collection appearing on my consumer report. I have attached a list of the Collection Accounts in question as well as a copy of the FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account, collection, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. This aforementioned accounts, collections, hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( Private Case number- XXXX ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of Identity Theft and Fraud.