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

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$84.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$7000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$84.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$7000.00} REC XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$950.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX XXXX : {$1100.00} XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As per our recent correspondence, I wish to bring to your attention the unauthorized opening of XXXX accounts under my name. Enclosed with this message are the necessary police reports and supporting documents that confirm the fraudulent nature of the aforementioned accounts. These accounts, bearing the following details : Account number XXXX with XXXX  XXXX XXXX and Account number XXXX, require immediate deletion.
Product: Checking or savings account

The original Certificate of Deposits were purchased with XXXX XXXX  XXXX, however TCF Bank is the current successor to XXXX XXXX. I have multiple CDs that TCF is stating they have no records or reports about and says, " Sorry, Maam, you're just out of luck! '' This is unacceptable to me and I would like to cash in my CDs.
Product: Debt collection

Spoke with Navient representative XXXX on today I informed her I could make my payment today. However, moving forward for the next three months I will not be able to make payments due to being out of work. She began asking me personal questions on who can help me make my payments such as my cosigner I told her she is not working anymore she is XXXX. She then asked me if the childs father can make the payment. I find this question so unprofessional and personal this is her second time posing this questions Ive never had a company go down a list of people to help you make payments as if I havent thought of that my own. Then she asked it my parents can help and I informed her they were deceased. She stated there is no forbearance or any program that can pause or stop me from making payments until after my three month leave period and I begin my job back. She told me maybe by next month I can have something figured out to make these payments I find them so unprofessional and insensitive every time I speak with this company. I dislike them they are the worst private loan company a person can have. I get upset everytime I have to answer their calls. They dont care about customers they dont accept payments a customer can make. They do everything like poke in people personal business but accept what they do have to give. They need to be shut down already all the lawsuits they have received in the last couple of years!
Product: Credit reporting or other personal consumer reports

Theyre two closed accounts with XXXX XXXX that I never applied for and it fraudulent and due to identity theft.
Product: Debt collection

The original creditor on account XXXX XXXX XXXX XXXX XXXX is my previous landlord. I paid all of my rent and I can verify that. After moving out they tried to claim that I owed for wear and tear through a rental insurance provider XXXX XXXX, I believe is the name. Anyway, I have suspicions that they are doing this to many tenants. I never hung a picture nor did I receive new paint prior to moving in. The apartments did not indicate what the so-called wear and tear was nor provided proof to me nor sought relief in a local court. Instead, they just wrote something down and " claimed '' I owed for wear and tear and submitted it to this insurance company to my understanding without any judgement or proof. Again, prior to moving in I never received new paint nor did I hang XXXX picture or damage any property during my stay. I think I have before and after pictures. I also believe they are doing this to others, but I submitted a dispute through XXXX because they put this on my credit through a company called National Credit Systems but they have not obtained a judgement against me nor have they shown proof of what I owe. XXXX took it off my credit, however XXXX claims in their remarks that consumer meets FCRA requirements. I do not owe this creditor money though. I would like someone to show me what and why I owe this and why it is on my credit. Can any creditor just make a claim without a judgement?
Product: Checking or savings account

On XX/XX/year>, I deposited a check for {$4400.00} from my employer. I deposited this into my Bank of America checking account, account number ending in XXXX. I was notified by email on XX/XX/year> with the following details : " We've placed a hold on one or more checks to help verify funds. Review the availability information and hold reason for details. 
XX/XX/year> by XXXX XXXX local time {$4400.00}. We've placed a hold on your deposit because we have information indicating the check ( s ) may be returned. '' I tried to log into my online banking on XX/XX/year> after this email, and I was not allowed to log in. I called Bank of America and was told my checking account and savings account are closed. The bank told me it was a " business decision '' and did not provide any other reason for closing my account. I asked how I can get my money from my closed account and what happened with my deposited check for {$4400.00} from my employer. I was told the check is being help. I don't have my money from my employer in the amount of {$4400.00} and my bank account is closed. This is wrong. Please help me.
Product: Debt collection

I have tried repeatedly to dispute this, the amount owed was paid directly to the creditor. It is still showing up on my credit report. I have also disputed it with credit reporting agencies.
Product: Checking or savings account

I was trying to open " No borders checking account '' at HSBC online with a promotion. I got a lot of tough time. Twice my application was rejected. I reached out to the customer service via chat - got different reasons every time ( essentially which means nobody knows the truth or telling the truth ). Each chat was for 45 minutes each. 
Finally i was asked to give a call to the online account opening team at XXXX. I called them at around XXXX XXXX  and talked to XXXX. She also trying to transfer me to somebody else - phone banking. 
Nobody at HSBC knows what they are talking about and simply not helping the customer. This bank should be asked to close out it's operation and go out of USA. It is not allowing US citizens to open the account. 
Application declined Application ID : XXXX Application declined Application ID : XXXX In the past - this online application was stating that i am not eligible for this offer. Both the chat persons confirmed this. 

Some or the other way HSBC causes issues for the customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report on Equifax and XXXX I notice that both companies are reporting not only inaccurate information. They are reporting two different things as well for a previous account that I had with XXXX XXXX. I have disputed this account with both companies previously and nothing has been done. This in fact is a violation of my consumer rights according to the FCRA. As a result I would like for the above mentioned companies to remove this account from my credit report IMMEDIATELY. 


I am really outraged that I have been going back and forth with the credit reporting agencies about this account for sometime. If nothing is done about this I will be forced to take legal actions and will exercise my consumer rights and file a lawsuit
Product: Credit reporting or other personal consumer reports

I am reaching out to dispute an account that was previously deleted from my credit report but has now reappeared, which constitutes a violation under 15 U.S.C. 1681i - FCRA Section 611 ( a ) ( 5 ) ( B ) ( ii ). Under the Fair Credit Reporting Act ( FCRA ), once an account is removed, it can not be reinserted without proper notification and certification of accuracy from the data furnisher. I have not received any such notification, making this reappearance unlawful and damaging to my credit profile.

This inaccurate reporting is negatively impacting my credit standing, which is particularly concerning as I am in the process of launching my own business and need access to funding. I formally request an immediate investigation and the permanent removal of this account from my report. Please provide written confirmation of your findings and any corrective actions taken within the legally mandated timeframe.
Product: Money transfer, virtual currency, or money service

I wanted to buy basketball tickets for my nephew who was in town for spring break. Someone I follow on twitter was selling tickets so I inquired. They said they were selling tickets for {$300.00}. I sent the money and they said they'd send me the tickets immediately via XXXX XXXX. I sent the money via XXXX  and the tickets never came and after I called him out, he blocked me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Is my second complain! 
Try to get a loan from my local bank, when they polled my credit form Equifax, my name show incorrectly and my social security number did not show on my file. I contacted Equifax to get the problem resolved. Even though they verified who I was over the phone the told me that I need it to file a dispute sending them a copy of my License, Social Security Card and prove of address. on XXXX XXXX I file the the dispute and I uploaded the documents they asked for and I received the confirmation # XXXX witch it shows on the Equifax web-site under my profile as a depute being process. ( I have a picture ) Since the dispute had a resolved date of XXXX XXXX I called today XXXX XXXX XXXX to see if the matter was corrected in there system. The first thing they asked when I called was about the first complain I file with CFBP and after that I got transfer to two different people XXXX who couldn't fine my file and told me that she couldn't help me and did not want to give a last name or employee # and XXXX who also refuse to give his last name or employee # after more than 30 minutes on the phone going true the validation of my identification shortly after, this gentleman informed me that they had not received the dispute I had file and the dispute # I was proving for him from the Equifax website wasn't showing on his screen there for I need it to file another dispute. In the meantime the loan I need it from the bank for this week is not going to get process because they can't verify the correct information from the documents I uploaded on the Equifax website on XXXX XXXX Please help!!!!
Product: Money transfer, virtual currency, or money service

Wellsfargo Bank claimed to have mailed me a cashier 's check for {$230.00} on XX/XX/2017, in which I never received. I filed an affidavit regarding check # XXXX and Wells Fargo Unclaimed Property department replied that they received my inquiry but never got back to me any further about replacing the check.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and desceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's client XXXX XXXX is an identity theft victim. His information was used without his consent to apply for and obtain several credit and banking accounts. An extended 7 year fraud alert was requested with each of the credit bureaus as a preventative measure however, while checking his credit report he found TransUnion never listed his fraud alert header on the victim statement. When he contacted TransUnion he was advised by an operator that someone was able to call and have the alert removed. Per FCRA guidelines the way an extended 7 fraud alert is supposed to be placed or removed is in writing with proper documentation and PII of the consumer requesting either the placement or the removal of the alert. TransUnion is in violation of FCRA guidelines.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX. XXXX - XX/XX/XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX {$8300.00} XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

TransUnion show Negative mark in XXXX but XXXX on Time OK XXXX on Time OK XXXX Show Different in XXXX On Time OK but XXXX Negative Mark and XXXX On Time OK Please Remove the Negative mark in my Credit Report ACT FairCredit I Always Do on Time My Payments Please Fair Credit Access Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against XXXX located in XXXX, TX. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they 're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I 've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, [ insert CB name ] has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon
Product: Credit reporting or other personal consumer reports

Please remove these accounts. This has really took a toll on my life
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. 

I disputed the item on XX/XX/year> and created police report with the federal trade commission. 
The account is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I am refiling this complaint to NATIONSTAR/MR COOPER for allowing inaccurate information to reflect on my account to my credit reports and for no corrective actions taken on this inaccuracies. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have received and read your response on my complaint, but this account is now being handled by the XXXX XXXX XXXX. With that being said, I am not liable for any payment on this account or to any double payment,
Product: Credit card

On XX/XX/year>2024, I purchased an unlimited car wash package directly at the XXXX XX/XX/XXXX location in XXXX, MI. I did this because of a {$50.00} off of $ XXXX offer directly on the Amex website. After a few weeks of waiting, I still had not received the {$50.00} credit. I contacted Amex twice, and they claim I was not eligible for the promotion. I followed all the steps for the promotion and they were not willing to investigate further.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that the bureaus are reporting inaccurate and incomplete credit information. These accounts do not belong to me. I am distressed that the bureaus have included the information in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated and to be removed immediately.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX - XXXX Date of inquiry : XX/XX/XXXX
Product: Bank account or service

My debit card was fraudulently stolen. On Friday XXXX XXXX when I received this news from the bank they told me they would ship a new card within 5-7 days. I asked them to ship it to a new address not the one on file. I was told this would not be a problem. On Saturday the XXXX I called to inquire about my card. They informed me it was shipped to the address on file, not where I requested it to be sent. I asked them to overnight a new XXXX due to their mistake and to waive the fee and they repeatedly refused to do so. I kept pointing to the fact I have n't had a debit card in a week and I should n't have to pay the {$12.00} fee due to their mistake and the supervisor said there was nothing she could do. I threatened to leave the bank that I 've been a customer of for over a decade and she did not seem concerned XXXX bit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received a bill from XXXX XXXX XXXX store credit card. Showing an opened credit card for credit limit of {$1500.00} and balance owed of {$1300.00}. I never opened this account nor did I purchase or receive any merchandise from XXXX stores. 
XX/XX/2020 Case # XXXX. I submitted a dispute through my Experien credit report. I do not know how anyone can open an account with my name. I tried to find a contact number to reach the bank but none was found. I do not even have the complete card number to even talk with the bank. Therefore they want me to provide my social security number and I refused to give it out since this account is fraudulent. 
On XX/XX/3020 Experien credit reported that my dispute was closed and complete. They stated that the information was accurate. 
Im unemployed and my husband is a retired XXXX  and receiveds XXXX   XXXX  XXXX income. We live on a fixed income. I do not know how this account was opened and I certainly never purchased {$1300.00} worth of merchandise. I can not afford to pay this bill since it is not mine. I do not know what else to do. I do not want my excellent credit rating to be effected by this fraudulent account.
Product: Debt collection

I filed a dispute with XXXX regarding yet another account that is in collections in XXXX, which is due to stolen identity and the result was that XXXX is continuing to list this account as mine on my credit report. 

I have had identity theft going on for over 2 years and I am just beginning to restore my credit and now it starts all over again. I am very weary of filing complaints, disputes, affadavits, sending registered mail, faxes, numerous phone calls etc, etc.
Product: Money transfer, virtual currency, or money service

Hello, I sent a family friend in NY {$1000.00} Via XXXX through my online bancking Truist Bank to his phone number, I received email confirmation of the transaction, he received Text message that I sent him {$1000.00} via XXXX. But the money was not deposited into his bank account, we waited for a week and nothing, the strange thing is my wife also sent him {$1000.00} via XXXX with Truist online bancking to the same phone number and he received her money but not mine. 
I filed XXXX claims through my Bank Truist and they keep closing my cases and telling me they can not recover the funds and there is nothing they can do. 
I provided them all the evidence of the text message he received and his bank statement showing that he received the money from my wife and not mine, they said his bank statement means nothing ( which is ridiculous ). 
When I contact XXXX directly they said there is nothing they can do I have to work with my bank they don't have any visibility. 
I asked my bank to show me proof of what account number the money was deposited to but they would not. 
This is not a case of fraud or a scam, the person is a family friend and he sent us his bank statement showing the money was never received!!! 
Please if there is something you can do to help I will greatly appreciated. 
I will not attach his bank statement here, but if yo need it Please let me know and I will send. 
Thanks.