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

I am writing to formally request the removal of incorrect addresses from my credit report. Specifically, I have identified the address XXXX XXXX XXXX XXXX, XXXX, GA XXXX, among others, which have never been associated with me in any capacity. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate information. As per Section 611 of the FCRA ( 15 U.S.C. 1681i ), if a consumer disputes the completeness or accuracy of any item of information contained in their file, the credit reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if it is found to be inaccurate or unverifiable. 

I have made multiple attempts in the past to have these incorrect addresses removed from my credit report, yet they continue to appear. I am providing the following details to facilitate your investigation and prompt correction of my file : Incorrect Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX XXXX XXXXXXXX - Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX - Opened on XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Prepaid card

Rushcard shut my account down reissued me a new card. Thy did not require a signature on delivery. Due to tht my card stolen someone activated my card with my info and stole my money. If signature was required this could have been prevented. I filled out police report and disputed. But rushcard says due to my info used they refuse to refund. This is n't fair I did not authorizes the activation, someone stole my XXXX cost me XXXX for another card. Rushcard allowed it. Yet tell me I 'm a valued customer. Yet wo n't allow a refund as it seems I 'm a liar. I work hard for my money I deserately need that money. I feel thy feel I 'm lying. I would n't do that! If they would have required a signature. I 'd still hve my money. So much hardship for me from this. Migraines my electric shut off. Really was n't treated as I was a valued. Customer. Ups said they 'd even refund rush. To treat me as I was valued. I feel thy should have taken my word with police report and refund me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft. I submitted documents here and to the credit bureau. I just had to obtain a new driver license number because someone is using my name everywhere. I was just informed that XXXX XXXX had a data breach and my information was stolen as well on XX/XX/2021. In XXXX someone surrendered my Georgia license for a Indiana ID. I have been forced to live like this I would like for the credit bureaus to remove my disputes. I have sent in all my personal information correct name and address and XXXX and XXXX will not update my information. Even according to Experian my information is everywhere. My name should read as follows XXXX XXXX XXXX my name is not XXXX XXXX.
Product: Checking or savings account

Hi, I went to citibank branch at the atm to withdraw some cash on XX/XX/2021 around XXXX noon. I put in my card and requested to withdraw XXXX XXXX. The Atm froze not just for me but for everyone who that there on that moment doing transactions. We all freaked out and went inside to ask why it's frozen and why our cards are locked. Nobody came out of the office to help.The next minute the ATM went from being frozen to saying " Out of Service please try later '' it gave me my card back but the XXXX never came out of the atm. no receipt got printed and I got debited into my account for the withdraw. I went inside of the branch and asked to speak to a manager to get my money back and she said " I can't do anything from here you have to call the number on the back of your card. Anything related to atms we don't deal with that. ". I did reach out and was told a complaint was filed and my money is not back still and I still am missing money. I'm missing XXXX which the atm never put out and citibank clearly as stolen money from me and are refusing to show any help. This bank is fraudulent and a bank of this sort should not exist. Money gets taken out of my account no cash is out and they are gon na tell me they can't do anything about it? 

ATM ID : XXXX ATM Location : XXXX XXXX XXXX, XXXX, NY, XXXX Date : XX/XX/2021 Time : XXXX Amount : {$290.00} I will be following legal actions about my stolen money from citibank . The manager at the branch literally did nothing and I got no help whatsoever but my money is still taken from my account but they told me they couldn't do anything about it.
Product: Vehicle loan or lease

Complaint from XXXX XXXX and XXXX XXXX XXXX XXXX ) Westlake Financial/CULA  has held onto lease equity. This greedy money grab hurts millions of consumers pockets all over the country, and only the regulators can force change. Any system that is designed to XXXX the consumers at all cost is a broken system that requires Regulatory intervention. 
XX/XX/year> Leased XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXXXXXX XXXX, payments to XXXX XXXX every 3rd day of each month of XXXX XXXX monthly interest accrue daily. Lease Downpayment and closing cost approx. XXXX XXXX. 
XX/XX/year> payment {$410.00} to XXXX for the month of XXXX XX/XX/year> We had a no-fault auto accident and the leased car was totaled. 
XX/XX/year> XXXX lease new car another XXXX XXXXXXXX to XXXX XXXX. Monthly payment XXXX XXXX monthly. We have by this date paid {$410.00} ( old lease XXXX payment ) + {$360.00} ( new lease payment starting XX/XX/year> ). In addition, XXXX XXXXXXXX out of pocket + lease payments XX/XX/year> XXXX issues check to CULA {$37.00}, XXXXXXXX XXXX XXXXXXXX lease payoff {$1400.00} in lease equity. Both XXXX and CULA were made roughly 104 % whole. Between CULA and XXXX, they collected the full payoff of XXXX plus the lease equity of {$1400.00}. I asked CULA for the lease equity to offset our out of pocket XXXX XXXX to start the lease, CULA reminded us that they owned the car, therefore that {$1400.00} lease equity was theirs. Lease termination confirmed was backdated to XX/XX/year>. 
The issue here that screws consumers is that if we returned the car at the end of the lease and the residual value was below the lease stipulated residual value we would need to pay the difference out of pocket. Consequently, consumers are really hurt when companies CULA are allowed to have it both ways with consumer lease transactions. 
We were not at fault for the accident that totaled our leased car, but the only parties that are made 104 % whole are CULA, XXXX and XXXX XXXX. CULA grabbed the lease equity check, while XXXX was paid off. I have another complaint with the credit union regulators against XXXX as they have refused to refund us the roughly {$250.00} excess payment in lease overpayment. Change is needed. We should get the lease equity of {$1400.00} to offset our initial lease payment of XXXX XXXX 
You can help millions of consumers like my wife and I.
Product: Student loan

I 've been trying to pay down my student loans and the interest is keeps going up. I had these loans since 2007 and I did not realize when I signed the contract my private loan is adjustable. I was young and irresponsible and now I 'm paying the price on paying these back. I have XXXX student loans and my biggest concern is my private loan. The lender is through Navient and I tried talking to them and reasoning with them with a better monthly payment but they want me to pay about {$400.00} a month and I can not afford that. I 'm constantly getting harassed with numerous calls and emails and they added new fees and my interest on my loans are constantly going up. I work but I 'm not making as much and I have rent, a vehicle, I 'm paying unemployment back the money I used abusively to pay back my student loans, and I have to pay them back or I will be in prison and get charge a felony. I have a lot of debt and I did file bankruptcy this year but some of my debt could not be discharge. I 'm not sure who I can talk to about this and I ca n't afford to pay that much and I did not even get a degree. I had to stop going because I could not afford to keep going anymore and I only last 8 months and now I owe around XXXX. I wish I had an understanding on how everything worked before I signed the contract and got myself into these loans. When I signed, I still had to pay out of pocket to get get supplies and I did not have a car at the time and had to figure out how to get to school and etc. I 'm very XXXX and XXXX out and I now have an condition called XXXX and it 's effecting me and my job. I need assistance.
Product: Mortgage

We obtained our first mortgage from Citi mortgage in XX/XX/XXXX at the start of the mortgage crisis. We pay XXXX for our home. We were fine until XX/XX/XXXX when I was laid off from my XXXX  job. Our house hold income decreased by 60 %. We were not able to keep up with any of our financial obligations. I collected unemployment from New York State. We could buy food and pay our utilities. I reached out to Citi mortgage for assistants and was not provided with any help. I applied for several modifications which did not help because we could only afford about {$500.00} per month. Our mortgage payment was {$2800.00}. Citi asked us to send documents upon documents every month. We were told that our documents had expired and that we needed to resubmit all documents. This happened 3 separate times. We were given the runaround. Citi mortgage was unable to help. In XX/XX/XXXX when attempting to reach out to Citi mortgage to try to modify the mortgage again, I was told that All bad debts were sold off and Citi was no longer servicing my mortgage. I had no idea what this meant. Three weeks later we received a Welcome packet from XXXX. at this point we owed more on our mortgage then the house was worth. The transfer caused a delay in the modification process but pre-foreclosure notices and repeated phone calls continued to be received daily. The ideas of losing our home and not having any place to live was extremely upsetting and XXXX XXXX. I became ill and was unable to look for work due to XXXX XXXX and XXXX. This added to the XXXX of finding a job. The house is currently worth XXXX and we owe more than XXXX. We filed for bankruptcy in XX/XX/XXXX and we still have a lien on the house. My health is still affected by this ordeal and I continue to take medication for XXXX and XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX I was hospitalized because I had XXXX XXXX XXXX XXXX XXXX XXXX. After XXXX and complications I was in and out of XXXX  for most of XXXX At that time I was unable to read mail or emails. In XXXX. I became aware that Bank of America had sent me notice that they were canceling my credit card due to nonpayment. My son made payments on my account XX/XX/XXXX {$3200.00}, XX/XX/XXXX {$3200.00}, and XX/XX/XXXX {$590.00} to pay the amount owed. I was told the account had been paid in full and was closed. I shredded the card and made no more charges. In XXXX XXXX I received an email notice that I owed {$15.00} on the account. I called Bank of America in XXXX and they said the account was closed so there could not be an amount owed and they would look into it. In XXXX.-XXXX  I continued to get notices with increasing amounts of interest added each time. I called again in XXXX and Bank of America responded that {$5.00} a month had been charged for 3 months for an on-line subscription to XXXX XXXX XXXX  XXXX. I had other on-line subscriptions that were being charged on the same card, but they all notified me that the card was no longer good and I provided them with new information. I'm not sure why the XXXX was notified like the others. In XXXX, I was applying for an auto loan and my credit report number came back considerably lower and the only overdue statements were this same account. That's why I called Bank of America in XXXX. First of all I was not physically able to pay and not able to notify any of my subscriptions. I don't think I should have to pay this bill.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX Inquiry 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) Violation of the FDIC Consumer Compliance Examination I am aware of your violations, and I am prepared to protect myself and my rights from unscrupulous collection agencies.

On my credit you have willfully reported an unverified and disputable debt to the credit bureaus and that is a violation of the Fair Credit Reporting Act. You have failed to verify the debt as accurate ; you have provided no proof of this alleged debt.

I highly doubt that this debt is worth your agency 's license and the fees and penalties for violations of the FDCPA. There is no question that you willfully violated my rights and that I could bring charges against you immediately. However, I am assuming this has been a terrible mistake on your part and that you will take appropriate steps to enlighten yourself and your staff of such dangerous actions.

I did not receive anything absolute proof from you, and you did not provide anything by the original creditor.

I will take action against you for these violations and abuse. 

Remember, the debt buyer must be able to provide me with a copy of an assignment of the debt that specifically includes the debtors. A competent and valid evidence that I have some contractual obligation to pay you. 

Which you failed to do AND you posted on my credit report.
Product: Credit card or prepaid card

This is in reference to my original complaint regarding our Capital One credit card that was closed in error by Capital One. Please refer to our original complaint cfpb XXXX dated XX/XX/XXXX. 

We first contacted Capital One about their error on XX/XX/XXXX. On XX/XX/XXXX, we received a letter requesting a street address for my wife. We contacted Capital One on XX/XX/XXXX, and provided the street address. On XX/XX/XXXX, Captial One provided two new credit cards as promised with a XX/XX/XXXX expiration date. On XX/XX/XXXX, we were notified that our credit card account had been closed because we did n't provide the information that was requested ( we did by phone on XX/XX/XXXX ). 

After dealing with an estimated 19 to 25 representatives from XX/XX/XXXX, to XX/XX/XXXX, nothing has been accomplished with one exception. We got a call from XXXX ( employee #  XXXX ) at Capital One 's corporate office on XX/XX/XXXX, and he acknowledged to us on the phone that Capital One had made an error which was responsible for the cancelling of our account. I asked XXXX for a letter from Capital One to confirm that their error was responsible for the cancellation of our credit card account ( open since XX/XX/XXXX ). On XX/XX/XXXX, XXXX said he would see if a letter could be sent to us acknowledging their mistake. He also said we could reapply for an account. We said we did n't want to reapply for an account, just have the old account reopened. XXXX said that they do n't send out letters regarding mistakes until the account has been reopened. It we reapply for the account, and for whatever reason the account is not reopened, they do n't send out a letter acknowledging their mistake. It 's now been 3 weeks since we last heard from XXXX at the Capital One Executive Offices. 

In a nutshell, we 're done. We will not conduct business with an organization that has sloppy record keeping, poorly trained customer service reps, dishonest customer service reps, offer unprofessional treatment to long term customers and have absolutely no sense of urgency. Fortunately, we have other long term credit card accounts and we will remain faithful to those companies. As for Capital One, we 're done playing this endless, fruitless game of nonsense. We are no longer interested in doing business with this unprofessional banking organization. 

I would suggest that people who are thinking about doing business with Capital One, think twice. We 'll never go back!
Product: Money transfer, virtual currency, or money service

Im contacting to voice my concerns for Zelle. 
My Zelle was intruded through the bank XXXX BANK and the unauthorized payment was for {$1000.00}. 
I tried reaching out to Zelle and they told me since it happened through my bank that they couldnt help me. I reached out to my bank and they told since it was a XXXX party, they also couldnt help me. I then reached out to my local PPD because how could someone easily get into my account and get away with taking that much money from me. I tried for months to get my money XXXX Zelle screwed XXXX over. Unfortunately the bank had told me that Zelle has things like my situation happened very often and its ridiculous. People work to hard for their money and for it to be taken away that easy by hackers/fraud-workers is XXXX breaking. It was a traumatic experience for me and Zelle should have at least been able to recover at least some information regarding how the scammer got my information. It was an unfair situation and I hope it doesnt continue to escalate further to others.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of fraudulent accounts from my credit report. I have discovered that my personal information was used without my consent to open the following accounts : Account name : XXXXXXXX XXXX, opened on XX/XX/XXXX, with a balance of {$3000.00} Account number : XXXX Account name : XXXX XXXX XXXX, Date opened on XX/XX/XXXX, balance : {$2500.00} Account number XXXX Account name XXXX XXXX, Date opened on XX/XX/XXXX, balance {$3000.00} Account number : XXXX Account name XXXX XXXXXXXX, Date opened on XX/XX/XXXX, balance {$3000.00} Account number : XXXX Account name : XXXX, Date opened on XX/XX/XXXX, balance {$4000.00} Account number : XXXX Account name : XXXX, Date opened on XX/XX/XXXX, balance : {$4900.00} Account number : XXXX I have already filed an Identity Theft Report with the Federal Trade Commission ( FTC ) and a police report with my local law enforcement agency. 
For over 120 days, I have been consistently submitting disputes to your agency regarding these fraudulent accounts, yet the information remains on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting that you conduct a reasonable reinvestigation of the disputed information to verify its accuracy and promptly delete any inaccurate, incomplete, or unverifiable information from my credit report.

Furthermore, under the FCRA, 15 U.S.C. 1681c-2, I am requesting that you block the fraudulent accounts listed above from appearing on my credit report. The FCRA requires credit bureaus to block the reporting of any information related to identity theft if the consumer provides appropriate documentation, including a copy of an Identity Theft Report.

Under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to complete the reinvestigation within 30 days of receiving my request. Failure to comply with this provision may result in legal penalties and civil liability. Additionally, I would like to remind you of your obligations under 15 U.S.C. 1681i ( a ) ( 3 ) ( B ), which requires you to promptly notify the information furnisher of my dispute. If the furnisher is unable to verify the disputed information, it must be removed from my credit report.

Please note that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you must complete the reinvestigation within 30 days of receiving my request. Failure to comply with this provision may result in legal penalties and civil liability.

In addition, I would like to remind you of your obligations under 15 U.S.C. 1681i ( a ) ( 3 ) ( B ), which requires you to promptly notify the information furnisher of my dispute. If the furnisher is unable to verify the disputed information, it must be removed from my credit report. 
I expect a prompt response to my request, and I will consider any unreasonable delays as a violation of the FCRA. To protect my rights, I have documented all communication related to this matter. I also request that you provide me with written confirmation of the removal of the fraudulent accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, XXXX  I recently received a letter from XXXX XXXX XXXX that they couldnt validate their debt. I requested from XXXX XXXX XXXX to provide the chain of custody that they purchased a XXXX account in my name, the name and address of the original creditor, the sign contract of the original creditor, the opening date of the account, payment history, last payment made status of account closed or charged of with dates. Michigan Law 339.901 thru 339.930 forbid unlicensed debt collector to report to credit bureaus and XXXX XXXX XXXX is unlicensed in the state of Michigan. To all credit bureaus state the reason why your not complying with Michigan Law 339.901 thru 339.930? 
To all the credit bureaus list the XXXX account as fraud because XXXX XXXX XXXX has not sent me any validation documents of their XXXX account.
Product: Credit reporting or other personal consumer reports

Resurgent/LVNV XXXX XXXX XXXXXXXX XXXX, SC XXXX Date open : XXXX/XXXX/2022 Original amount : {$600.00} This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.