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

After checking my credit I realize that I have been victim of identity theft, inquiries has shown in my credit report that i did not authorize. 
An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file, please remove any other address, other than my current to prevent others to use my name. I'm reporting this as an effort to clear my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts that I have disputed ( that are not mine ) are still on my credit report after I have written letters to the credit bureaus letting them know they are not mine. The credit companies are not complying with their own policies in a timely manner.
Product: Vehicle loan or lease

I was contacted by Truist bank that I had missed a payment for the month of XX/XX/XXXX. I went to my bank provided them a copy of the cleared check. Truist then contacted my stating it was actually XX/XX/XXXX. Again, I went to my bank and provided them a copy of the cleared check. I was informed this was not adequate proof of payment. This is the only form my bank could provide me. On XX/XX/XXXX spoke with collection agent from Truist and was told now this missed payment was from XX/XX/XXXX, and XX/XX/XXXX. I provided proof of payment for the XXXX payment in the form of a bank printed copy of the XX/XX/XXXX payment. I was unable to locate the XX/XX/XXXX payment. I took all payment information to a XXXX PA branch that was requested and available. Today XX/XX/XXXX I was contacted again. Now the date has changed once again to XXXX of XXXX. This is unacceptable and has caused me to loose time from work obtaining the requests. I have had to return to my bank for proof, which will now be 5 times! Again, I have proof that payment was made XXXX of XXXX. There was a transition from BBT to truist. Every payment in question has been when it was BBT. I am questioning the validity and accuracy of their ability to keep and maintain previous and current records. Please help my get this straightened out and hold this bank accountable for their poor handling of my situation. I have been more than happy to provide them what they requested however, everytime I do, they come up with a new date!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and tried to resolve the issue of missing credit information over 2 days since the erroneous report was tendered to XXXX, causing them to deny credit. 

The telephone numbers online, sent me to an overseas site that hung up on me three times, while attempting to transfer me. I finally reached a party in the US that said missing information was my issue and I had to call each credit card company to ask them to report to Experian. 

I pulled the Credit reports from XXXX  and XXXX  and all data is contained in these reports. 

The Experian representative said that I had to buy their monthly services and apply for a credit card from them to process my dispute.
Product: Credit reporting or other personal consumer reports

Trafficking Blocking Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears om my credit report is the result of that trafficking, 1 ) Bankruptcy XXXX case # XXXX 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX XXXX 4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XXXX 6 ) XXXX/XXXX XXXXXXXX 7 ) XXXX XXXX XXXX XXXX 8 ) XXXX XXXX 9 ) XXXX XXXX XXXX XXXX 10 ) XXXX 11 ) XXXX 12 ) XXXX XXXX XXXX 13 ) XXXX XXXX 14 ) XXXX XXXX XXXX 15 ) XXXX XXXX XXXX XXXX 16 ) XXXX XXXX XXXX 17 ) XXXX XXXX XXXX XXXX 18 XXXX XXXX XXXX XXXX 19 ) XXXX XXXX XXXX
Product: Student loan

I tried to make payments that I could afford but was told that if I did n't make the full {$1600.00}, payment per month, that my payments would not be accepted or count towards my loans. I was encouraged to take a forbearance, continually and not told about payment sensitive options. I work in XXXX, so my salary is low but was not told that my loans could be forgiven because of my field. My loans have quadrupled since I left school and I have no way of ever paying the actual loans off, even with XXXX additional jobs. I want to make payments but I need a lower more affordable amount, less than a mortgage payment.
Product: Credit reporting or other personal consumer reports

I PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/year> ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

XXXX HAS REMOVED THE UNVERIFIED ACCOUNTS FROM MY CREDIT REPORT AND I HAVE TRIED RELENTLESSLY WITH TRANSUNION. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 Collection Account : Bridgecrest Account number XXXX, numThese 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The balance is too high since this company has been charging illegal fee and I never receive any communication about the charges reflected on my credit report.
Product: Student loan

My student loan was refinanced with SoFI on XXXX of XXXX. 

I receive a monthly contribution of {$300.00} from my employer through XXXX  XXXX that it sent directly to the bank using ACH system. 

My loan was being serviced by XXXX initially. 
The first payment from my employer was made on XX/XX/XXXX of XXXX to XXXX and this payment was applied correctly into my account. 

The second payment on XX/XX/XXXX, was sent to XXXX as well, but coincidentally my account was transferred over to Sofi for servicing this same day and this payment hasnt been posted into my account yet until this date. I had placed a complaint to XXXX and after multiple attempts, even through XXXX, they finally replied they had received this payment and they are in the process of transferring this payment to Sofi. ( Still waiting on this issue to be resolved ) Additionally, on XX/XX/XXXX of XXXX, my employer sent two more payments of {$300.00} each, for a total of {$600.00}, using ACH system, but this time they were sent directly to Sofi. These payments havent been applied either into my account and I was told my account was reported to the credit Bureau for late payments. 

I have submitted proof of this payments, I have called multiple times, I have emailed them a lot of times as well and they have not resolved this issue either. Everyone gives me different information and even have lied to me in many occasions, communication is terrible and supervisors from customer service have not helped at all. 

My account is past fue for 55 days now and missing payments from XXXX and XXXX for a total of {$900.00}. 

I need help solving these 2 investigations as soon as possible.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXXXXXX Balance : {$630000.00} ; XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXXXXXX XXXX Balance : {$5200.00}.
Product: Credit reporting

I applied for business credit card using company EIN. The card was issued using my social security number. The application stated that my social security number would only be used for Identification purposes.
Product: Credit reporting or other personal consumer reports

On or before XX/XX/2023 a Certified Mailed was sent to Experian, a request of proof of copy, signed documents related to Bankruptcy on my credit report. 

As of time Experian unable to provide substantiation; Failed to provide signed documentation of the said Bankruptcy. 
Failed to provide a copy of bankruptcy petition filed with the court. 
Failed to provide proof of filing document, such as stamped document.
Product: Checking or savings account

I filed a dispute with USAA for my checking account debit card. When I called to check the status of this dispute I was first met with the most annoying automated service I have ever experienced. Then once finally able to speak with someone human I was met with agents who either did not have the tools to do their job or didn't have the intelligence to do the job because they repeatedly would bring up older disputes as opposed to the most recent. This would take 20 minutes at least every time every call, repeating old outdated information and wasting my valuable time with something they should honestly be able to update a customer on automatically. The resolution team members were worse citing 2 in particular XXXX and XXXX. These agents were arrogant disrespectful and deserve to be fired for their behavior and lack of cooperation. I filed complaints against both but am almost certain they will receive no corrective action. I have been hung up on while trying to gain information on my funds held in institution. This seems to be withholding of information regarding my financial transactions. Finally I have been told that even though I called and spoke with someone to put disputes in and completed the call that they had not put in enough information and had not put in the dispute 2 weeks after the initial dispute I filed. They also sent me a conduct letter XXXX XXXX however they tell customers they can not overnight debit cards when they close them and leave you stranded. This bank needs to be investigated thoroughly there seems to be a culture of shady practices and inside fraud possibly.
Product: Credit reporting or other personal consumer reports

I need help with being identified as a XXXX XXXX Victim. I have provided the documentation to substantiate my identity and the items that are the result of that XXXX  : I have provided As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) https : //www.consumerfinance.gov/ I have supplied my ID, Social Security card , Bank Statement, Victim Determinatation Letter, Self-Atestation statement, Items idenified to be the result of trafficking to be blocked, FTC Report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is annoying because my I would not have been able to obtain credit if my score was low and now because I have several cards open I am being penalized although they all are paid on time. This is ridiculous my score have dropped from XXXX to XXXX. This makes no sense at all. I want my score fixed at there earliest convenience. Thank you so much. I feel this is more that just unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an inquiry that was not authorized by me, and the inquiry is stuck on my credit. When I go through the creditor there was no resolution. 
XXXX XXXX XX/XX/2020 XX/XX/2020 XXXX XX/XX/2020 XX/XX/2020
Product: Money transfer, virtual currency, or money service

someone hacked into my PC and stolen the login credentials for my Bank of America account. He/She enabled XXXX  transfer feature into my amount under my phone XXXX. He/She made 2 transaction of amount XXXX total on XXXX XXXX XXXXXX/XX/2024 XXXX ( XXXX $ ) and XXXX, XXXX XX/XX/2024 XXXX ( XXXX $ ). I did not get any alert into my phone as a text message or mobile app notification. I got to know these transaction next day when i was checking my emails. Then i called the back immediately and asked to o pen the case. 

Bank of America investigation team told me that these two transactions was authorized using my phone text message code and they closed the case. But i have asked them to open the case again because i have not received any text message at these two times of the transactions. I have called XXXX XXXX XXXX XXXX as well to check if these was any text message delivered aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 XXXX and the response was NO. Till date i have not head anything from them. 

XXXX case number : XXXX Bank of America case number : XXXX XXXX NJ Police case number : XXXX Please check the attached documents as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a fraudulent and negative account that doesn't belong to me. i have notified them numerous times, via mail, via phone and email and they have failed to rectify this urgent issue. they have failed responding within the allowable time frames for disputes like this and they are still not getting in trouble for these violations. they have failed numerous times and this is not the only time with us. my husband worked for XXXX XXXX XXXX and they laid him off with numerous other employees here in our town which made headlines. they had him leave work and didn't allow him to get his personal items.they advised they would mail them to him and never did. this was multiple years ago now and they failed to respond to that after numerous follow ups. they also continually charged my bank account monthly services charges even though we are on XXXX and those fees should be waived as well as receive multiple checks via direct deposit which also waives fees. they are ridiculous and have failed our accounts now multiples times as you can read in what i can fit here, i could go on with more details and documentation i have but there is no time or room for all that. now after multiple complaints they finally refunded our account {$75.00} for the fees they continually charged and shouldn't have but would do it for months for mew and had me call in and continues to worsen my XXXX health which they were also aware of and didn't care. they had the ability to make it right and didn't for months and made me be without, which they seem to like to do. they have violated so many things and i will bring a lawsuit next and class suit for all these multiple violations if they do not once and for all make this right and correct this matter at once and that is to remove the negative and fraudulent credit card account from records of mine as it doesn't belong to me and should have been handled properly years ago. this is out of hand and needs resolution now. im writing to the top of XXXX  XXXX XXXX and agencies that can and will help to resolve this once and for all. maybe it took being the safest city and becoming the headlined city with what has recently occurred in our town so near and close. maybe it was being evacuated and realizing we need to speak out about what is wrong and it needs to be made right and this is this matter. 

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

I have the right to make sure my private information isn't shared which is backed by Fair Credit Reporting Act 15 USC 1681 and 15 USC 6801. It is the policy of the congress that each financial institution has an obligation to respect the privacy, security, and confidentiality of their customers. 

The Financial institution and the CONSUMER REPORTING AGENCIES XXXX and Equifax DO NOT have my consent to furnish this information. They have never received my written consent. 

All consent to Equifax and XXXX is revoked whether it be Verbal, Non-verbal, Written or otherwise. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I was never informed of my right to exercise my nondisclosure option. 

15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. 

Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services!
Product: Debt collection

I have contacted XXXX in several occasions to try to rectify this issue and instead they continued to pass the buck around the company and no one would help me and yet this is still negatively reporting in my credit. 

Back in XX/XX/XXXXor XX/XX/XXXX not 100 % sure but i had an account with them i moved and transferred the account. The customer service rep some how created a totally new account for me not informing me of what she did therefore it resulted in a early term fee and some other unpaid fees that i have no clue about. When i contact the creditor EOS as well as XXXX no one can produce the finale bill Nor break down the charges to me. This is why Im bringing it here. I need this off my credit and Im at lost of what to do. My next step i guess is going to small claims court if i can not resolve it here.
Product: Checking or savings account

About last year in XXXX I send money to the wrong person and request an investigation and capital one never returned my money.
Product: Payday loan, title loan, personal loan, or advance loan

My promotion period loan got terminated 8 month ( XX/XX/XXXX ) before it ends on my contract ( XX/XX/XXXX ). In the middle of my promotional period I did miss a month of payment due to change of my credit card ( my card company reject the auto pay and thought it was fraud ), therefore my auto pay got canceled without me notice. I made payment to the company right after I found out this cancellation and restarted my auto pay with an agent by phone. But no agents mentioned anything to me about the termination of my promotional period. The company stated that I got a text massage on the termination of my promotional period which I have no record or memory at all. I did not receive any E-mail or any official statement about this termination. Also I understand this policy was stated in the contract, but there were no body going over the contract and explain it to me at the time I signed the contract.

I did contact the Universal Account Servicing , LLC and try to arrange some solution for it. the manager indicate it is not their response to remind or notice the customer the termination of the promotion, and the text massage it all they have to do, they refused to do anything other then ask for money.
Product: Credit reporting or other personal consumer reports

This is my 5th 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 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 XXXX XXXXXXXX XXXX Balance : {$620.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX
Product: Checking or savings account

My account at navy was hacked federal 2 months ago and everytime I call them I get the run around first they told me it would be 20 days to get my money back then 45 days then 60 days now 90 days please check into this for me
Product: Credit reporting or other personal consumer reports

Once again they have refused to investigate an error claiming they have already investigated it.. They provided me with a copy of my credit report including all prior investigations. The report they generated clearly shows there have been no prior investigations into any discrepancies.t. Any attempt at filing a dispute will result in an error stating no relevant information provided. I have screenshots of everything. They need to have charges brought against them for again refusing to investigate this entry on my credit report. The first screenshot shows all disputes filed. There are none listed. The second clearly shows what happens when any attempt at filing a dispute occurs. A third is posted to show that the item in question has not been reported to Experian by the creditor in almost 2 years. I have provided them with proof that the account was paid off.They refuse to allow you to file and do nothing but give you errors. Phone calls to them get refused. Both my XXXX and XXXX reports are over XXXX points higher than Experian because of the errors they refuse to investigate. This has now been filed with you XXXX prior times. You have done nothing to hold them accountable for willfully violating federal laws.
Product: Credit reporting or other personal consumer reports

I have disputed with this Creditor on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, ,and XXXX, I requested bank transactions and proof that I was late with this creditor. The creditor never sent proof that I was late. The creditor has taken over 30 days to update my account and perform an investigation. The creditor has illegally re-aged my date late.active from XX/XX/XXXX to XX/XX/XXXX. Transunion is missing date, last active and is unverifiable. TransunionXXXX failed to update my account and do a proper investigation. The creditor last reported on my account XX/XX/XXXX even though I sent my dispute XX/XX/XXXX Today 's date XX/XX/XXXX I have not received an update of a Re-Investigation from the creditor.