23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On my credit report all of them XXXX, XXXX, EXPERIAN, I HAVE ACCOUNTS THAT BOGUS THAT SHOULD NOT BE MINE THERE ARE OVER XXXX INQURIES THAT ARE NOT MINE SOME LOAN ACCOUNTS THAT HAVE BEEN PUT ON 2 TO 3 TIMES THAT I DID NOT OPEN ALSO I AM A VICTEM OF IDENITY THEFT SINCE XXXX  IT SEEMS LIKE EVERYTIME STUFF COME OFF MY CREDIT REPORT IT COMES BACK. ALSO I HAVE SENT IN POLICE REPORTS ALOT OF TIMES BUT THE DURAGATORY STUFF WONT COME OFF I HAVE XXXX BANKRUPTCYS THATS SHOWING ON MY CREDIT THAT SHOULD NOT BE SHOWING BECAUSE IT WAS THROWN OUT BECAUSE IT WAS IDENITY STUFF WE FOUND SO THE JUDGE SOPPED THE BANKRUPTCY RIGHT THEN ONLY WAS A MONTH .SPOKEN TO CREDIT DEPARTMENTS AND TOLD THEM I HAD NOT MDE NO INQURIES BUT ALL XXXX  ARE STILL THERE AND ACCOUNTS SO NOW IM TAKING ACTIONS TO GET THIS REMOVED OFF ALL MY CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. It has been over 30 days and they have yet to verify these accounts. According to Section 611 ( 5 ) ( A ) of the FCRA, they are required to Promptly delete all information which can not be verified that I have disputed. This includes a list of inquiries that i also did not consent too. Please resolve this manner as soon as possible. Thanks.
Product: Mortgage

Hi - I have a big problem with my mortgage servicer, PHH/XXXX XXXX. I indicated I wanted to be in the forbearance plan back in late XXXX, but after I did more research decided against it, and conveyed that message to the servicer, in writing! 

I have not missed any payments, and in fact have I have made my payments on time. I have, in writing, indicated I did not want to be in the forbearance plan. Today I got a letter saying I was approved for the forbearance plan, and my next payment would be due three months from today. 

Even the dollar amount on the banks statement / forbearance letter is off by a lot! And, there is no explanation of break down of these charges. 

Having been in the XXXX XXXX business for 15 years, and having lived through the financial crisis I am very concerned for not only myself, but others. Especially after receiving the piece of mail I received today. 

I have kept every bit of communication, all of it in writing. I am willing to go over it all with you and provide you with copies. I need your help! Thank you. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$3000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$68.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfers

I used western union services and they took the money out of the account and sent me a completed transaction letter. When my dad went to pick up the money they denied the transaction. When following up with WU, they said oh yeah, the transaction did n't go through. This was a transaction completed XX/XX/2016, this is now XX/XX/2016 and I still do not have my money back! 
This is not the first time I got this problem, initially I thought mistakes happen in the system, now I believe they are making money on denying transactions and keeping money for weeks making interest on the customers! There was no communication from WU telling me sorry and what went wrong, in fact when calling them I got very limited info, saying may be the recepie by reached some limit, but never a definite answer, never giving a direct answer to the declined transaction. Terrible service. The managers had no answer why transaction was cancelled by western union. Telling me to write to the headquarters. This is weeks now and my money is still held by them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. Update or correct the following items 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
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Sec. 604. Permissible purposes of consumer reports ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I demand the following be deleted from my consumer reports for violations of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act : STATE OF MICHIGAN STATE OF MICHIGAN STATE OF MICHIGAN STATE OF MICHIGAN STATE OF MICHIGAN STATE OF MICHIGAN Also under 15 USC 1681 Section 602 A I have a right to privacy.

The following inquires are unauthorized on my consumer reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

my name at the time of this occurance was XXXX XXXX XXXX and on XXXX XXXX 2012 I typed up and hand delivered a notice to vacate my apartment before the lease term was up and listed the reasons why in this letter, and gave it to the Manager of the XXXX, chapel XXXX failed to provide a safe environment for my children and I so I gave them 30 days written notice and moved my children and myself outta that apartment complex, people in the stairwells doing and selling drugs offering them to my children when they come home, gunshots all the time I recall calling the police several times, unruly children and the list goes on and on ... the manager ignored all reports by doing nothing to prevent these things from happening. She did n't even live on the premises ... XXXX did not abide by the lease terms of providing a safe environment for tenants and they should not be coming after me for the remaining lease and ruining my credit, I had no choice but to move for the safety of my family!
Product: Debt collection

I have been in communication with RPM since XXXX, 2021 to provide me with a verification of debt, company has failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXXXXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MD XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX Consumer Financial Protection Bureau U.S Department of Labor XXXX XXXX XXXX XXXX, MA, XXXX Subject : Complaint Regarding Theft of Filing Creations in Unlawful Pursuit of Amendment 2 Dear XXXX  XXXX XXXX, XXXX I am writing to formally lodge a complaint regarding the theft of my filing creations, which I testified were unlawfully pursued in connection with Amendment 2. 

This unauthorized use and theft of my intellectual property is deeply concerning and has significant implications. I have discovered that several of my original documents and filings, which were submitted in good faith, have been misappropriated without my consent. 

The specific issues I have encountered include : 1. Unauthorized Access and Use : This unauthorized access constitutes a clear breach of privacy and intellectual property rights. I have evidence indicating that my filings were accessed and utilized without my authorization. 

2. Manipulation of Original Content : This misrepresentation of my work is not only unethical but also illegal. It appears that my original documents have been altered or manipulated to support Amendment 2, a cause I did not authorize or support. 

3. Lack of Transparency and Accountability : Despite my efforts to seek clarification and resolution, I have not received adequate responses or accountability from those involved. This lack of transparency exacerbates my concerns about the integrity of the process and those responsible. 

4. Potential Legal Implications : This unlawful conduct must be addressed promptly to prevent further harm. The theft and misuse of my filings have potential legal ramifications, including breaches of copyright, intellectual property laws, and other relevant regulations. 

I request an immediate investigation into this matter to identify the individuals or entities responsible for the unauthorized access and misuse of my filings. Additionally, I seek the following actions : - Full disclosure of how and why my filings were accessed and used without authorization. 

- Implementation of measures to prevent such incidents in the future. 

- Restoration and correction of any manipulated or altered documents. 

- Immediate cessation of any use or distribution of my stolen filings. 

Thank you for your prompt attention to this urgent matter. 

Should I not receive a satisfactory response, I am prepared to pursue further legal action to protect my rights and interests. 

Please provide me with a detailed response outlining the steps being taken to address my concerns and the anticipated timeline for resolution. I trust that the Department of Justice will treat this complaint with the seriousness it deserves and take swift action to rectify the situation. 

Sincerely , County Owner of Record XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/22 I went to a XXXX atm in XXXX Ohio attempted to withdraw {$320.00} and the atm give me XXXX XXXX dollar bills so I disputed the charges with cashapp and they said they found no wrongdoing and now my cashapp is still in negative even tho XXXX admitted that the atm was pack wrong now cashapp is not replying to me at it being 6 months
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion XXXX XXXX XXXX XXXX, PA XXXX, I am writing to inform you of some changes to my personal information that are pertinent to my credit account with your institution. I need it changed because I fear I am susceptible to Identity Theft Please update my records accordingly with the following information : 1. Name : XXXX XXXX XXXX 2. Address : XXXX XXXX XXXX XXXX, CA  XXXX 3. Contact Number : ( XXXX ) XXXX 4. Email Address : XXXX REMOVE ANYTHING THAT DOES NOT MATCH THIS INFORMATION These changes are necessary due to [ provide a brief explanation for the changes, such as a legal name change or relocation ]. I kindly request that you update my personal information in your system as soon as possible to ensure the accuracy of my credit account. 

Additionally, please ensure that all future correspondences and statements are sent to my new address and that my contact information is updated across all relevant departments within your organization. 

I understand that providing accurate and up-to-date information is crucial for maintaining a healthy credit profile and avoiding any potential discrepancies. If there are any forms or documents that need to be completed to facilitate this change, please send them to me at the new address mentioned above, or inform me of any necessary steps to complete the process. 

Thank you for your prompt attention to this matter. If you have any questions or require further clarification, please do not hesitate to contact me at the provided contact number or email address. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello this is a feature of my XXXX XXXX XXXX debit card that I am supposed to be able to use, but for some reason has never worked for me. 
I tried XXXX XXXX at XXXX powered by Ria multiple times, a feature of the XXXX card, and it says that they are unable to approve the transaction for some reason. I tried for lesser amounts, XXXX, XXXX, XXXX, etc but all were " unable to be approved '' errors. This also happened today. I still don't understand why it doesn't work. 
I don't believe that I have reached any of the XXXX limits described on the serve.com website, and my account has sufficient funds. 
This is very stressful and distressing to me and am having difficulty even getting to anywhere to try and purchase money orders somewhere, mail them, use a ATM machine and also have to deal with daily ATM limits and fees. I need to complete my important payment as soon as possible and for some reason nothing is working and am still having problems with everything. I have verified my identity with XXXX XXXX XXXX and attempted the XXXX XXXX feature many times in multiple browsers and devices. 
I attempted to do a bank transfer from my XXXX account with Ria, and it was declined and my account " locked for security purposes '' while waiting for the bank account verification deposits on my XXXX account, and I explained in the email this situation, but have not received any response yet. I have been having difficulties attempting to purchase money orders and getting any help at all from Ria or XXXX customer service. I have contacted each customer service and have been assured that there are no problems and that it should be working, and to try again.
Product: Credit reporting or other personal consumer reports

I have unauthorized and fraudulent inquiries on my report. 
XXXX - XX/XX/2023 Equifax XXXX - XX/XX/2023 Equifax XXXX - XX/XX/2023 Equifax XXXX - XX/XX/2023 Equifax XXXX - XX/XX/2023 Equifax According The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies they must be removed immediately.
Product: Credit card or prepaid card

I was charged XXXX for a fraudulent charge and chase bank did not accept my dispute and charged me again for the fraudulent amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Transunion credit report I seen a inquiry from XXXX XXXX which is for a XXXX XXXX XXXX card that I never applied for the inquiry is fraud.
Product: Vehicle loan or lease

On XX/XX/2021 I call credit acceptance to settle my past due debt. I was advised by 21 credit acceptance account holders that they are settling debts for up to 80 % because of COVID-19. I called 5 times to try and take advantage of this offer, all of the reps told me they knew nothing about the settlement. I was transferred to XXXX, a manager in the collections department, she advised that she knew nothing about the settlement either.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I noticed several factual inaccuracies ( regarding a few accounts listed ) in the Date Open, Date Lasted Reported, Date Last Active, Date of Last Payment, still reporting a past due amount even though the account says charge off, and just incomplete information. I am writing to dispute the inaccuracies on my recent credit report.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score Account : XXXX XXXX Number : XXXX in accordance with the Fair credit reporting act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

I have been disputing inaccuracies on my credit report since XXXX, Transunion still haven't deleted or corrected inaccurate information, I've made all my payments on time, paid off XXXX XXXX, XXXX, XXXX accounts. Transunion sent updateds which was not updates on XXXX and XXXX which wasn't updates there was no change on my credit report, XXXX XXXX they said was verified, I'm asking for the FURNISHER to sent me the information they used to verify and update XXXX XXXX XXXX, XXXX accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under any open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

While on vacation in XXXX, XXXX, I made several charges on my Citibank credit card. For these charges, I received a receipt. However, immediately after each legitimate charge, the waiter made a second charge to his personal business. His personal business is a fraudulent company that he set up to get money for himself. The company that the charges were made to is called XXXX. Here are the dates and amounts of the fraudulent charges ; XX/XX/XXXX - {$170.00} ; XX/XX/XXXX - {$170.00} ; XX/XX/XXXX - {$170.00} and XX/XX/XXXX. I realized these charges were being made when I noticed that my balance was increasing more rapidly than it should. I checked my Citibank account online and I spotted the fraudulent charges. I immediately contacted Citibank. After several telephone conversations, Citibank suggested I close my account and continue the dispute process after returning to the United States. When I returned to the US and contacted Citibank, I saw that Citibank had closed my account and put through all of the fraudulent charges. I would like for these charges to be reversed because this company does not exit and I DID NOT MAKE THESE CHARGES.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address the presence of accounts on my consumer report that are linked to identity theft. These accounts were added without my written authorization or wet signature. Following my recent communication with your organization, I am formally demanding the immediate blocking and removal of these fraudulent accounts from my report. Their inclusion has caused me significant emotional and financial hardship by misrepresenting my credit history and obligations. If this matter is not resolved satisfactorily, I am prepared to pursue legal action to protect my rights. These unauthorized entries have impeded my ability to achieve crucial financial objectives, including purchasing a home and providing for my family 's needs.
Product: Checking or savings account

On XX/XX/2021 I got fired from Wells Fargo for having overdraft fees. 
During XXXX I opted out of overdraft fees but they still overdraft me 4 times. 
They ruined my chances of working in finances and it's been over a year of trying to find job security. This has caused me much pain and suffering. As I am a young father of XXXX children and can't provide for my family. I have gotten mail about Wells Fargo settlement cases but have not received my settlement
Product: Credit card or prepaid card

On XX/XX/XXXX I received a letter from Comenity Bank dated XX/XX/XXXX that my credit line was closed by the creditor due to inactivity. I had a name change in XXXX and called the creditor no less than three times requesting a new card with my new name on it. I was told in XX/XX/XXXX that my card was on the way. I called in XX/XX/XXXX because I had not received my card and I was told that my account had been closed. I asked to speak with a supervisor regarding this and was told that my account was not closed and a new card would be sent in the mail. On XXXX XXXX I called again because I wished to order something and was told that my account was closed and that I would need to use a different form of payment. Within the same week, I received a call from someone asking if I wanted to open a business line and I asked them to look in to my personal account, when I was again told that my credit line was closed. I asked to be taken off the call list because I kept receiving conflicting information on whether my account was closed or not. According to the letter dated XX/XX/XXXX, my account was in fact open until XX/XX/XXXX when it was closed for inactivity. This has negatively impacted my credit score due to the line being closed, and if I had known it remained open, i would have continued to utilize the credit line. I believe that I did not receive proper documentation regarding the status of the account, despite several requests, and I did not receive any adverse actions when my requests for a new card sent out were declined, and I am not sure why they were declined. I tired to call Comentiy today, XX/XX/XXXX to discuss this but was told it was not an option to discuss my account closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is in deliberate violation of the FCRA regarding reporting 100 % accurate information on my credit report. On XX/XX/22 I contacted Experian regarding public records still reporting on my credit profile as of date. Experian 's data furnisher XXXX has completed corrected and removed this data and also notified Experian of this update. However, Experian has ignored this an continue to be in violation and report this inaccurate data. I opened another dispute in an attempt to resolve on XX/XX/22 and they closed the dispute the same day stating the item remains ( in spite of )
Product: Student loan

For the past 2 years, I have been attempting to get the full details of any Student Loans and my taxes have been seized due to a frivolous loan statement that is sent when I request for full documented information concerning me trying to borrow money for a Student Loan ( s ). I have requested a full detailed paper trail of the loan, the schools my full signature on any and all paperwork and XXXX and NAVIENT both failed in providing the accurate description. I feel now that I must file for a hearing to deal with this problem.