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. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 7. there is some inaccurate information reporting. XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 8. there is some inaccurate information reporting. XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 9. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 10. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 11. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 12. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 13. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 
14. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 15. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 16. there is some inaccurate information reporting. Account Number : XXXX Delete this account. 17. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 18. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent in a complaint bout inaccurate info on my credit report and was given a response about not included the items to dipute so im sending another with the items that are incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX As required by FACTA and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA,  that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely,
Product: Credit reporting

I 've tried on several occasions ( dating back to XXXX 2016 ) to get this debt verified and proof that it belonged to me. I have not received a response or documentation showing proof that the debt belongs to me. I 've sent several letters requesting information pertaining to this debt and I have yet received a response or information I requested.
Product: Credit reporting or other personal consumer reports

this letters complaint to fixed and delete inaccurate and misleading accounts XXXX XXXX  **** Balance Owed : {$15000.00} XXXX  XXXX Balance Owed : {$4800.00} XXXX  XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$3800.00} XXXX XXXX XXXX Balance Owed : {$0.00} -tied up XXXX XXXX Balance Owed : {$310.00}
Product: Credit card

I noticed about {$1000.00} in unauthorized charges to XXXX on my XXXX credit card statement. After some investigation I discovered my child ( who has XXXX XXXX XXXX XXXX ) had used my card to purchase downloadable content from the game store without my permission. I followed up with XXXX but was not able to get the funds charged back since it was past their 7 day refund window. I then followed up with my card company as follows... 

On XX/XX/XXXX, I had a conversation with a Citi representative. The representative did not accurately capture all the transactions. The representative also did not advise me of my rights to dispute the charges. They told me that since my child had made the charges I was still responsible regardless of if the charges were unauthorized or if my child had a XXXX or is a XXXX XXXX 

On XX/XX/XXXX I did some research on FCBA and spoke to counsel. I discovered that I should have been allowed to submit notice to the credit card company for remediation and investigation and the charges should be credited while investigation was taking place. I contacted the credit card company on XX/XX/XXXX and asked again that my request be considered along with where I should submit my complaint in writing per the XXXX guidelines. 

A few days later I submitted a paper letter and copy of the disputed charges to the credit card company via USPS with the full disputed amount summarized. As an enclosure to this letter I also included proof of my son 's diagnosis of XXXX and asked that the charges be reversed. This was sent to the address provided by the representative. 

On XX/XX/XXXX the company emailed me that my dispute had been resolved however they did NOT include the full amount of my dispute in any of the notes or resolutions nor did the email mention the full disputed amount. The dispute was for {$1000.00} ( which was communicated by BOTH by phone on XX/XX/XXXX and via paper letter shortly after ) The resolution was for a very small fraction of that amount, which equated to a single charge of {$53.00}. 

On XX/XX/XXXX I called the company again, this time to ask about the resolution and if they had received my full complaint submitted via letter. The representative said they could not confirm any details sent by me. I asked to speak to his manager. I XXXX was put on the phone. I asked if they received the letter. He said he could not tell me and that it would be handled by someone in the complaint dispute team. I asked for a contact number for the team and was told he was not authorized to provide that information to me, but that he would enter notes on my account and someone would get back to me. No one has done so. 

It has now been over 30 days since I submitted my documentation per the FCBA and should have been received by the credit card company. I would like to file an official complaint with CFPB under the FCBA that the company reverse these unauthorized charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following companies are not entitled to check my credit history, it is not authorized, I never received any correspondence from them, I don't have an account with them and therefore must be deleted from all my credit reports 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, XXXX, XXXX XXXX, XXXX XXXX., XXXX XXXX, XXXX , XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

( XXXX XXXX XXXX XXXX XXXX, ( XXXX ), ( XX/XX/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 credit reporting agency, Block information appearing on my consumer credit 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 consists of XXXX XXXX XXXX XXXX, Open Date XX/XX/XXXX, Account # XXXX, XXXX XXXX Open date XX/XX/XXXX, XXXX, XXXX XXXX Open Date XX/XX/XXXX, Account # XXXX, XXXX XXXX XXXX  XXXX XXXX Date XX/XX/XXXX Account # XXXX, XXXX XXXX XXXX Open Date XX/XX/XXXX Account # XXXXXXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Account # XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collection appearing on my consumer FICO credit report. All of the aforementioned account, Collection are the result of identity Theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account and Collections are the result of identity theft and fraud.
Product: Credit card or prepaid card

DISCOVER FINANCIAL IS NOT REMOVING THE FRAUD CREDIT CARD OPENED UNDER MY NAME. I HAVE SENT THEM A VALID POLICE REPORT AND THEY ARE NOT REMOVING THE FRAUD ACCOUNT OUT OF MY CREDIT BUREAU. I NEVER APPLIED FOR THIS CARD AND HAVE NO KNOWLEDGE OF IT. ALSO THERE IS A PO Box FRAUD ADDRESS ASSOCIATED WITH HTIS CAR THAT NEVER BELONGED TO ME
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX ), XXXXXXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ), XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$110.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$310.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Checking or savings account

I bank with HSBC which is now XXXX XXXX  effective XX/XX/XXXX. on XX/XX/XXXX I received an alert from XXXX alerting that I spent an unusual amount of money. When I logged my online Banking with HSBC, My account was overdrawn by {$3700.00}. I notice multiple small electronic Transfers from a Merchant named XXXX-Bill pay . my balance on XX/XX/XXXX was XXXX, somehow this merchant that I didn't recognized manage to steal all the money that I had in my checking Plus overdraft my account by {$3700.00}, I don't have overdraft protection and haven't overdraft my account in 7yrs. when I looked XXXX appears looked like XXXX. When I called XXXX their fraud department informed me that XXXX is not them to contact my Bank report these fraudulent charges. I called HSBC on XX/XX/XXXX and spoke to the fraud department and reported the fraudulent activities on my account. HSBC didn't block this merchant and/or my account until XX/XX/XXXX, which resulted into overdraft amount of {$5600.00}. I was assured by HSBS that they would conclude the fraud investigation before the merger and I should get my money back. on XX/XX/XXXX when I notice HSBC didn't refund my money I called HSBC, after 1hr wait, the rep that I spoke to told me the person working on my fraud case is not available. on XX/XX/XXXX when HSBC changed to XXXX bank, I went in person to a XXXX bank to find out the status of the fraud investigation. I was told that HSBC never forwarded or alerted XXXX bank that I had an open fraud case prior to the change. XXXX bank told me to contact HSBC and also I'm not the only former HSBC customer who walked into a XXXX XXXX that were victim of Hacking or electronic fraud right before HSBC the changed to XXXX bank. The branch Manager at the XXXX  ban even admitted to me that during the merger that fraud department at HSBC were not doing their job. he advised me to keep trying to reach HSBC. when I call HSBC their automated system tells me to call XXXX. when I call XXXX  they tell me to call HSBC. I had direct Deposit and before i could stop my direct Deposit, the HSBC/XXXX bank kept my paycheck from work to cover the overdraft on my account. I have incurred late fees because I am not able to pay my bills. I have had to use my credit card to buy gas and food my special needs child. I even received letter dated XX/XX/XXXX and XX/XX/XXXX from HSBC informing that my account is overdraft. My account is overdraft not by be but because HSBC allowed this to happen. I don't have enough money to hire a lawyer to help recoup my money. I just need help to get HSBC/XXXX bank to do the right thing and refund these fraudulent charges.
Product: Debt collection

XXXX XXXX Last reported XX/XX/2022 {$1800.00} Open balance XXXX XXXX XXXX Original creditor
Product: Student loan

To preface this is about the tenth time this has happened. XXXX XXXX/Navient has mis-allocated my student loan payments, ( again ) making certain loans become past due. I have called them over and over to solve the problem. As a customer, this is extremely frustrating as I have fixed it so many times, yet it still continues to happen. I can not include dates because I get several phone calls/emails a week regarding the matter every time it happens. I also have no idea what actions can be taken by the company because they obviously don't pay attention to this mistake as it has happened over and over and not just for me. This company really needs to have some sort of protection against it. This is just the problem of the week and I seem to have problems all the time with them. This is the worst company I have ever dealt with yet no corrective action has taken place. I would love the single payment they take out of my bank account directly every month to be correctly allocated to each loan that is due.
Product: Payday loan, title loan, or personal loan

I have a loan with GM FNANCIAL with account number XXXX. I have always made my payments on time. For some reason, I realized that there were 60 days late payments on my credit report for the month of XX/XX/2019 up to XX/XX/2019. The XXXX and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I reported to my local police department a Identity Theft Complaint and Affidavit. 

On XX/XX/2022 I forwarded a copy of my Identity Theft Complaint and Affidavit to XXXX Equifax and XXXX by USPS certified mail. 

On XX/XX/2022 I forwarded a requested Affidavit statement to XXXX Equifax and XXXX that confirmed that I have been a victim of identity theft and the listed accounts, inquiries and information was inaccurate dute to identity theft. 

On XX/XX/2022 I forwarded a second Affidavit statement to XXXX Equifax and XXXX that confirmed that I have been a victim of identity theft and the listed accounts, inquiries and information was inaccurate dute to identity theft.

I also referred to 15 USC 1681c ( 2 ) in which a consumer reporting agency shall block any information that is resulting from identity theft from the consumer no later than ( 4 ) business days from the receipt notice of the consumer. 

XXXX Equifax and XXXX has failed to block all of the information from my consumer report that was the result of identity theft. All consumer reporting received the required documents as listed by federal law, and my consumer report still reflects inaccurate information due to identity theft.
Product: Credit card or prepaid card

On XX/XX/14 I submitted a payment of {$1300.00} through the American Express XXXX XXXX. The payment was reversed stating that bank account can not be located and charged me for return fee plus interests. On my bank side, it shows the payment came out of my account with the trace number. I tried opening a dispute case with American Express and provided a copy of my bank statement showing the amount that came out. 3 weeks later American Express closed my dispute case without providing any reason. I logged into my account and found that the case was closed. I called and spoke with the dispute department and they gave the same initial response that payment was not received and its my banks problem and I should pursue with my bank. My bank wont do anything either stating they sent the payment.. Im not sure whose fault it is but someone has my {$1300.00}. Both sides are washing their hands of it. I also filed a complaint against XXXX XXXX I need both sides to figure out who has my money.
Product: Credit card or prepaid card

Bank of America, the pre-paid card provider for California EDD ( Unemployment Insurance ), provided a provisional credit for {$150.00} in reference to a dispute submitted in XX/XX/2020. The claim was approved and the credit was supposed to remain permanent. However, on XX/XX/2020, the credit was reversed and {$150.00} was debited from my prepaid EDD account. After calling Bank of America multiple times and the customer service representatives promising the credit would be reissued, the credit never materialized. The credit should be issued immediately and without delay, especially as these are funds that are needed to provide food and shelter in the absence of employment.
Product: Student loan

I have just finished my second XXXX XXXX XXXX and my income currently is from my XXXX as I am on a XXXX  which will end in XXXX. I am also XXXX XXXX XXXX XXXX to help pay the bills, though only make {$500.00} a month. My Navient loans were all accrued when I was an XXXX 10 years ago ( they were then Sallie Mae ). The more money I pay, the more money I've had to owe. It's sad to see that I've spent thousands of dollars to pay off a loan only to find the balance is higher! 

As I was getting my first XXXX  's, Navient told me I could not do an in-school deferment and that I had no option but to use up my forbearances ( which were used up due to being in school ). My loan payments were still too high for me after school so I've been on an interest only repayment which is about to end in XXXX. I've made all the payments on time and Navient is my highest loan bill -- even at interest only repayments. I have received emails since XXXX saying that my new payment would be in the next billing statement, which had never happened. When I called about this they said there's nothing I can do until that statement is generated and only then could they figure out what options I may have. At first I thought my new payment was almost the same as my interest only payment when I looked at the statement, but then realized the new payment amount still hasn't been generated and I'm struggling just to pay this interest! 

I recall years earlier when I had to use up my forbearances on XXXX XXXX and asked what my options would be if I got into a financial bind in the future but couldn't use the forbearance because they had to be used up in school. I just wanted to know what my options might be. They said there was nothing I could do but not to worry because I wouldn't go into default for 90 days -- as if that could somehow make things better? 

My student loan payments ( in total ) are more expensive than my rent and Navient 's is the highest that I have. I know they told me that if I do a lower payment it will have increased by {$20000.00} but I am in a bind because I'm just trying to afford ANY payment. I will never buy a house or have a family because this is so overwhelming and if I can barely afford to just survive, how could I afford that? These loans from Navient ( then Sallie Mae ) I took out as an XXXX at XXXX, thinking afterward a full-time job could help me make the payments, which has not been the case. It's sad to look at Navient 's website and feel relief at reading that my loans could be discharged due to death - to be so stressed out about paying student loans that death is a comforting option when you realize you're only living life to pay your loans and will have to work so many hours there's no time for anything else.
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 institution and Zelle failed to investigate my claims adequately. They informed me that reviewing lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle had not only neglected to protect consumers but had also allowed repear offends to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

I filed the complaint in XXXX. Santander responded but didnt address my issue. My complaint was closed but not resolved.

During the modification process, Santander failed to keep in contact with me and didnt explain all my options. When I was able to reach someone I was given inaccurate information which miss-leaded me. I was instructed to sign a modification that was more expansive than what was available at the time. I was advised that the rate will get adjusted later if I request it separately. When I made the request, I was told that since I signed into a program, no changes were available. Santander apologized for the lack of communication, but didnt do anything to assist me with reducing my rate and payment to an affordable level.