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

I have requested to have a protected consumer freeze placed on my daughters credit report three times over the past year. Why will they not do this? I have provided all the requested information and mailed in all the necessary forms. How many more times do I need to request this before they will just place the freeze on her account? 

Please help me to have the freeze placed on my daughters account. I can be reached at XXXX. 

Thanks, XXXX
Product: Credit card or prepaid card

I was incarcerated  for XXXX years from XX/XX/XXXX to XXXX year XXXX I had an American Express serve card and I had Social Security XXXX benefits going in to my account however during my incarceration  a Business from XXXX named XXXX XXXX took out a lump sum of almost {$12000.00} out of my account and XXXX was taking out XXXX a month or {$1400.00} in music fees that I did not authorize I dont on a XXXX XXXX only on XXXX products and it was done on a XXXX XXXX I try to resolve my problem of fraud with American Express I gave them my incarceration  paperwork stating the time frames I was incarcerated  and I gave them all the debit transactions that feature places was debiting large sums of money anywhere from {$150.00} up to {$4000.00}. The last transaction was {$4000.00} on XX/XX/XXXX I try to resolve this with American Express and XXXX XXXX was the only one that gave me a confirmation number that it was fraud but American Express absolutely did not give me nothing back at all and I did not make none of these charges or had access to a computer incarcerated.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on PORTFOLIO RECOV ASSOC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Adjust and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported my account 90 days delinquent although there is a current payment pause that is supposed to be in effect for all student loans at this time per the XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to Experian and to XXXX XXXX  and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations still persist on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I did not authorize the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Date XX/XX/2016 car dealership by the name of XXXX XXXX XXXX XXXX XXXX  sold me a car same month engine went completely out I surrendered car now theres an outstanding balance listed on my credit in the amount of {$10000.00} closed collection account on my credit
Product: Mortgage

i have a open line of home equity credit with wells fargo. They claim that i owe over {$430.00} in backed interest. This is a lie! I have never been late or missed a single payment. the service rep i spoke provided me with little or no explanation and claims that this is backed money owed from when this loan was owned by XXXX XXXX. again this is a lie! i have never been late or missed a payment. it is common practice when a loan is sold from one bank to the next everything is done to rob the customer of every penny possible ( i.e " missing '' payments, hidden fees, and dishonest practices ). until wells fargo can prove i 've missed a payment or legitimately owe this money. I demand this amount be refunded as well as every penny i 've been paying extra to my principal balance off that wells fargo has been stealing, and making sure to hide it from my statements since before 2011
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to the CFPB in regards to inaccurate late payments being submitted to Transunion, XXXX  and XXXX  on XX/XX/XXXX. 

XXXX XXXX XXXX  XXXX. 

XX/XX/2020 LATE THIRTY DAYS The company XXXX XXXX has not completed the investigation within the time frame and keeps putting me off even though I have submitted documentation to the company in regards to the complaint. As a result, I would like the negative trade line REMOVED From my account entirely at all three reporting agencies.
Product: Payday loan, title loan, personal loan, or advance loan

A sales man named XXXX XXXX XXXX, knocked on our offering home construction services. After speaking with him for a few days, he showed us a layout sketch of a unit we were interested in building in our backyard. XXXX had us then sign electronic documents to see if we could qualify for a loan. He did not specify or ever mention about applying for a loan. Then after a couple weeks, we started noticing charges of {$200.00} from my checkings account. I had to contact the bank as I was unsure what was going on. A few weeks later, we received a loan delinquency letter from GoodLeap. The loan statement showed a loan of {$16000.00}, with 13.49 % interest. We contacted the salesman XXXX, and he stated he did not know what was going on but that if we paid {$400.00} from the loan, they would forgive the remaining {$600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is miss information on my credit report that dont belong there there is fraud from somebody getting into my credit report and there is bills on there that is misleading and also there is addresses on there that I have never lived at
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX {$100.00} was transmitted to me via VENMO. I transferred the money without difficulty to a bank card. 

On XX/XX/XXXX {$100.00} was transmitted to me via VENMO. When I attempted to transfer the money to a bank card, I was unable to ( and continue to be unable to ) because VENMO froze my account. 

As of today, XX/XX/XXXX ( 10 days ), I have communicated with them every few days via email, the only way to contact them in case of a frozen account. Following are the issues I have with VENMO : - I have repeatedly asked VENMO via email to describe precisely why my account was frozen which has not yet been provided in any shape or form. 
-My money has now been unavailable to me for 10 days ; and I am in desperate financial straights. 
- I submitted a requested document ( a valid ID ) to them per their request and yet nothing has been resolved. 
-VENMO has published that their response may take as long as three weeks, which is outrageous.

As far as I am concerned they are essentially " stealing '' my money by freezing my account, perhaps to cover some financial distress they are experiencing. I have followed all VENMO instructions and reviewed all help content they have identified, none of it is of any value so far for informing why my account is frozen, what I can do to unfreeze it or the unethical, harmful long duration to their supposed resolution of my problem will take.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX RE : ( Business checking account number XXXX ) Dear Bank of America XXXX XXXX name is XXXX XXXX who has been loyal preferred rewards XXXX XXXX customer since XX/XX/XXXX. I opened a business checking account number XXXX and linked all my bank of account and XXXX edge accounts together. As you can see, on my account page, Bank of America ( BoA ) determined my business checking account as platinum honors preferred reward customer ; as a result, I relied on Bank of America information and kept all my accounts over {$100000.00} together. However, Bank of America charged monthly fee {$29.00} from XX/XX/XXXX through XX/XX/XXXX. When I inquired the bank of America customer service, BoA customer rep acknowledged that this is a BoA system issue but only refunded me for XXXX month monthly service fee of {$29.00}. Because of BoA systemic error, as a customer Im being penalized for following BoA policies and procedures, which is totally wrong.

In conclusion, I hereby respectfully request bank of America follow consumer financial protection bureau and banking rules and regulations and stop unethical practices for incorrectly charging me XXXX months monthly fee of {$29.00} in the total of {$89.00}. Also going forward, I already ensured I kept my business accounts balance over {$15000.00} knowing that BoA has a systemic issue of incorrectly determining customer reward status. I look forward to your reply and a resolution to my problem. 
Sincerely, XXXX XXXX
Product: Debt collection

I do n't wan na to get bankruptcy never late payment i was payment on time but I went to my hometown last three months i have at that time i have a lot of payment. My wife she 's XXXX she needs XXXX more than two months. That 's XXXX come back everything was missed up. I have XXXX bank account but I have negative balance. I am trying to find new job to reduce my negative but I did n't get any job. My account is closed now. I am trying to report my situation but no body help me. Imagine my future baby wife .they can not give me option.
Product: Debt collection

The debt is with XX/XX/XXXXXXXX and I have consistently tried to let them know that the debt does NOT belong to me. It belongs to my father XXXX XXXX XXXX XXXX. They have come back and placed the debt on me.
Product: Debt collection

I am getting almost daily calls from XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, VA XXXX. Phone ( XXXX ) XXXX. 

They continue to call me and leave messages on my voicemail telling me I need to call them about a loan ; however, I have called them several times to explain my phone # is only a few months old and I do not now, nor have I ever, had a loan with them. I have asked them to take my phone number off their system but they refuse, and the calls continue. I now have them blocked, so that my phone won't ring when they call -- usually during the day when I am at work -- however, the voicemails still appear on my phone.
Product: Checking or savings account

A personal check for my rent was mailed through the USPS system : it never entered a personal or private mailbox. Evidently, it was intercepted and fraudulently signed and deposited by XXXX XXXX. Wells Fargo refuses to give me my money back even after I submitted their affidavit to them, opened a police case for XXXX XXXX, and can see in their own system a representative from my housing management company did not sign it and that the past rental checks for my management company went to a different, and correct account at a different bank. I did not authorize my check to be signed and deposited by the thief who intercepted it. They asked for 90-120 days to resolve it which is too long to withhold my money and accrue unpaid rent charges but there was no choice than to accept their terms. Now they are demanding 40 more days. They need to return my money now that was fraudulently taken as a crime that I had XXXX part in.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Saturday, XX/XX/2022, I received an email alert from XXXX that a new account had been detected by Equifax on my credit file, therefore impacting my credit score. Someone has fraudulently opened a " XXXX '' credit card or bank account in my name. Upon further investigation, I learned that XXXX XXXX  " is a digital banking platform and the only full-suite banking solution for internationals in the U.S., providing U.S. bank accounts, debit and credit cards. '' This is the second time that someone has opened a " XXXX '' account in my name and triggered an alert from the credit reporting agencies and the XXXX time I have wasted valuable time and resources investigating and disputing these nefarious activities. I have no interest in contacting XXXX XXXX  directly, as I am suspicious of their legitimacy.
Product: Debt collection

I have tried several times to reach out to Jefferson Capital Sys regarding account # XXXX listed on my credit report. I have sent certified letters to them in XX/XX/XXXX as well as XX/XX/XXXX. I have also made multiple phone calls throughout XXXX requesting for this debt to be validated. I have never received any communication from them regarding this debt or how it can even be disputed. It just showed up on my credit report. If Jefferson Capital can not or refuse to provide me with the requested validation then they must  remove this negative information from ALL credit reporting bureaus including XXXX, XXXX, and XXXX immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two recent collections reported from " XXXX XXXX   XXXX XXXX XXXX ''. For starters - I haven't lived in Indiana or been to a hospital, doctor, or been seen by a physician in that state in over 7 years. 

Moreover - I have XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, along with XXXX from the State of Virginia. I have had this coverage since 2013. Any medical expenses I MAY have incurred would have been MORE than covered by my insurances. 

This is a XXXX collection that is UNRELATED to me, and I want it removed from my credit, like YESTERDAY. FIX THIS XXXX - YOU SEEM TO HAVE CONTROL OVER THE NATION 'S FINANCES AND THE WEALTH OF EVERYONE - I'M SO TIRED OF BEING STUCK ON THE BOTTOM RUNG OF SOCIETY 'S LADDER BECAUSE YOU WANT TO REPORT FALSE INFORMATION. FIX THIS OR I WILL HIRE AN ATTORNEY ( NOT TO SOLVE THIS - TO FILE A CLASS ACTION LAWSUIT ). GET YOUR XXXX TOGETHER EXPERIAN.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called TransUnion to go over mistakes, inaccuracies, data errors and violations of the Fair Credit Reporting Act. One representative was very rude and would not allow me to go over the disputes. In addition to that there were numerous times when I asked questions and I was put on hold without prior knowledge. When I asked if the representative XXXX heard my question it was completely ignored. He told me that he needed information to pull up my consumer report, he asked numerous times when it was given in a very clear manner which as a consumer per 15 USC 1681 ( a ) ( 4 ) was not respecting my privacy as a consumer.The representative could have been asking me to constantly repeat information just to write down and take me information. I also asked if I could file a dispute and he willfully disagreed. When asked about inquires he told me he could not remove them. When asked why the only details that were given was " We have to follow a process '' .Then the representative hung up on me. I called again and attempted to get into contact with TransUnion again with another representative, once again who failed to help me as well. In addition to that TransUnion are also in clear violation with 15 USC 1681. Attached below is a letter showing the exhibits.
Product: Checking or savings account

On XX/XX/XXXX  we had a balance {$190.00}. On XX/XX/XXXX  & XX/XX/XXXX  we made a cash deposit at the ATM for {$300.00} & {$430.00}. It showed on the app that the funds were available. XX/XX/XXXX  - {$150.00} for XXXX was taken out. Along with {$6.00} in ATM fees & a - {$400.00} ATM withdrawal. I still had over {$350.00} in my account & received a {$36.00} over draft fee. When I called the rep said because the money that was deposited hadnt been placed in the account. Thats the reason why I received the NSF fee. However, my argument is if that is the case why did it show the deposit inside of the Truist app and why did it allow me to take out the funds if they technically werent in my account.. to me that means that their system is not adequate. It should have never showed that that money was available. I dont understand why I got hit with that fee if the app showed the funds were deposited. I received a total of 2 overdraft fees because of this! They are stealing peoples money! Their reps are in another country and could care less.
Product: Credit reporting or other personal consumer reports

I am writing in relation to the response received on XX/XX/2023 concerning my dispute. The lack of detailed information in your summary is concerning and necessitates further elucidation.

Account Updates Detail : The vague term updated does not provide clarity. I request a detailed breakdown of all modifications made to the accounts with XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, pursuant to the Truth in Lending Act ( TILA ). 
Verification Documentation : Under Section 611 ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), I request copies of all documentation used to verify the accuracy of the information reported by the aforementioned creditors, along with the name and contact information of the furnishers who verified the information. 
Receipt of Investigation Results : While awaiting the mailed copy of the Investigation Results, I urge XXXX to ensure the document encapsulates all necessary details, with clear delineation of all updates and modifications made to my credit file. 
The absence of transparency and detailed information in the summary is causing significant financial uncertainty and distress. I look forward to your thorough and detailed response within the stipulated XXXX period as outlined in the FCRA. 

Yours sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX - XX/XX/year> XXXX  XXXX - XX/XX/year> Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report.

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.
Product: Credit card or prepaid card

I've applied for an Apple Card provided by Goldman Sachs, multiples times, but each time I've applied ( through the XXXX XXXX  app on my XXXX ), I've been denied. On a constant basis, I get e-mails and ads from XXXX suggesting the I apply for an Apple Card. Each time that I launch the XXXX XXXX app on my phone, a message pops up to suggest that I apply for the Apple Card. These ads pop up all over my XXXX whenever I attempt to complete a financial transaction or use the wallet. 

I shouldn't be bombarded with these ads from Goldman Sachs in reference to the Apple Card if they are not going to actually give me the card. Because this company is partnered with Apple for this venture, I shouldn't have to keep getting these constant ads for something they are not allowing me to have, each time I use an app on my phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citizens bank has said TWICE now they have " run my credit '' for a credit card application. I have verified via my report they have not pulled my actual information. They have returned twice now I am not found, no credit history. Etc. They did not even respond to my first CFPB complaint and just found out yesterday they " closed my case '' without speaking to me. They clearly are performing serious fraudulent activities and will not even speak with me about what has happened. I was attacked on the phone and screamed at by a " XXXX '' whose only point was to tell me we had never spoken before. We didn't speak any further occasions either. Nor did any other members of this so called bank follow up. They just closed the issue with zero resolution.
Product: Debt collection

I have received a letter from the Dept of Education requesting payment for a loan that I was not responsible for at the University XXXX XXXX on XX/XX/XXXX when I was XXXX years old and enrolled. My father was the guarantor of the loan and it was paid off after they garnished his wages for years. 
The University XXXX XXXX has sent me to collection and reported this to the credit bureau which affects my credit and future chances of getting student loans for children who are college age or approaching college age. 

The date I received the letter was XX/XX/XXXX - the principal balance was {$750.00} and they are now asking for {$14000.00}. I called them today XX/XX/XXXX and they told me they received the loan from ECSI. I called ECSI and they told me they got the loan from the University XXXX XXXX in XXXX of XXXX and to call them. I called them and they told me they passed the loan to ECSI. So have no answers from anyone only a {$14.00}, XXXX debt that is not mine because I was too young to have been responsible for the loan and my dad paid off what we owed for the loan he took for me back in XXXX.