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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

U.S Bank has decided to close my account because they were trying to protect my account from fraud because of the activity on my account, however they locked me out of my account and I had about {$2700.00} in my checking account. I have tried to call them numerous times and all they do is transfer me to the fraud department just to get the run out and get transferred back to customer service. They informed me they would be closing my account about 3 or 4 different times now and here I am waiting for the closure to take place so that I can have the funds released to me via check because they will not give me access to my account whatsoever.
Product: Mortgage

On or around XX/XX/2009 Wells Fargo Bank ( Mortgage Bank ), tried foreclosing on my property, my home, after I fell behind on my payments. I had regained employment and tried to do a modification loan, which was repeated denied, even though there was sufficient income. They forced me to file bankruptcy protection to save my home. I sent all documentation to the OCC, who helped force them to refinance my home as a modification loan, not before they added over {$35000.00} to {$40000.00} to my loan, which they said were for hazard insurance at over {$900.00} a month, and legal fees, and passed due interest and penalties, and even a higher interest rate, etc. No one has ever gone after Wells Fargo for these outrageous tactics, but I believe compensation is due!
Product: Debt collection

I am requesting a method of verification. I am needing a description of the procedure that was taken for this company to state the accuracy of this account. I need a method of verification and documentation that XXXX, XXXX, and XXXX has on file that states that this information is indeed one hundred percent accurate and correct? Who did you interview regarding the disputed items? Please provide this information to me by email XXXX or by mail XXXX XXXX XXXX XXXX XXXX TX, XXXX within 5 days or remove this account and delete it immediately. 
Acct # XXXX Midland Credit Management XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  MI XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Recording Act XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXXcct # XXXX has Violated my rights XXXX XXXX XXXX XXXX. 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 also states a consumer reporting agency can not furnish an account without my written instructions.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. XXXX, XXXX Never informed me of my right to exercise my nondisclosure option. This account Shows on my credit report as a Charge off and Per the IRS Publication 4681 States, " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return '' I have attempted to get this off of my credit report can you help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this account I am not liable for any debt with P & B Capital Group LLC collection system I do not have a contract with this company they did not provide me with the original contract as requested they continue to report negative and inaccurate information on my credit report which violates the FCRA
Product: Checking or savings account

On XX/XX/year> my cash app was mysteriously closed for what they said as activity that goes against their terms and conditions, I called the customer care line 4 times to get an explanation to what happened and why. They never told me why and I needed to add money to pay my rent at the time.
Product: Prepaid card

Net Spend sent me a card for which I did not apply. This is an actual chipped card, with embossed numbers, and my name on the front. I was under the impression that this practice was illegal, as it made the recipients of these cards easy targets for identity theft. I have never had any contact with Net Spend, and until about  XXXX  minutes ago, when I opened some mail, was completely unaware of their existence. I am appalled that any company would be so reckless. It is negligent on their part to send out a card, to my home, that could so easily be activated by someone other than myself. Their business model is predatory and unethical. They charge consumers a ridiculous amount of fees for using their own money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize inquiries for this companies, I have never sign writen authorization. Inquiries have no permissible purpose. 
XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 Amex XX/XX/2020
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$7000.00} XXXX XXXX XXXXXXXX Balance Owed : {$7200.00} XXXX XXXX XXXX Balance Owed : {$7000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing a complaint against XXXX, XXXX, Equifax, XXXX. XXXX XXXX, and XXXX because there was a collections against that was falsely opened in my name on XX/XX/2022. XXXX claims that I owe a balance of an XXXXXXXX XXXX  whenever I switched carriers from XXXX to XXXX XXXX. 

I recently messaged XXXX, and they said that it is IMPOSSIBLE to switch carriers when you owe a balance on a phone, and XXXX XXXX XXXX XXXX when I opened the account with them, they didn't see any balance owed AND the XXXX was in good standing. 

Also, when I traded in this XXXX XXXX to an XXXX XXXX, the XXXX was in good standing. I have a variety of evidence to prove my case. Messages between the two carriers, screenshots of the phone 's XXXX in good standing, as well as the receipt for my traded XXXXXXXX XXXX. This has messed up my credit score for a long time, and I wanted this collections account removed.
Product: Debt collection

This collector leaves message saying there is a legal case pending against me and that I need to call to stop possible wage garnishment. They also do not leave a message about who is calling and does not leave a return number.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, late payments who were never made. XXXX REMOVE THEM NOW. 



XXXX XXXX - Date opened - XX/XX/XXXX - This account only appears on XXXX, it is really odd since it is the only i have on my credit report showing on a Bureau, remove them now. 


XXXX - Date opened - XX/XX/XXXX - This account only appears on XXXX, it is really odd since it is the only i have on my credit report showing on a Bureau, remove them now. 



Two inquiries who are - XXXX  XXXXXXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX  XXXX Utilities and Fuel XX/XX/XXXX
Product: Credit card or prepaid card

these people call you twenty times a day on all my phones burning up my minutes 1. XXXX 2.  XXXX 3. XXXX 4. XXXX 5.  XXXX is their any way they will stop calling they call me about the irs warrant for my arrest student loan idont have a student loan. 3.health insurance with XXXX XXXX 3 times I have called them about the birth date being wrong never gets fixed near. then their is the fireman ball or policemans fund. XXXX XXXX XXXX  credit card fraud you have to have a card first to have fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I am infuriated with the credit system we have in place. Paying off a loan should not be a PUNISHMENT and it is to my XXXX XXXX EVERY TIME I PAY IT OFF! My XXXX XXXX dropped XXXX points and I am struggling against it when trying to rent a new home. 

I already have a bankruptcy on my report and this is the second time doing the RIGHT THING ( Paying off my loans ) XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received an updated copy of my Equifax credit report. I had disputed the XXXX 's Account because the account status was being reported incorrectly. I even mailed a letter to Comenity Bank to advising them of the error. When I looked at the results the XXXX stated the original creditor had verified the status was being reported correctly. I question the validity of that because I have letter dated XX/XX/XXXX that refutes that. The date on my credit report is dated XX/XX/XXXX. How did XXXX  verify something that Comenity had already agreed to correct after the XX/XX/XXXX letter. 

I called Comenity Bank on XX/XX/XXXX and I was told by some person named XXXX that the status should be reported as a charge off, I told him he was wrong because the account had been included in bankruptcy in XXXX which was well after the charge off in XXXX. 

XXXX was wrong and he needs to be retrained. I called back and was transferred to another representative who did know what she was talking about either. 

I feel like I am being jerked around and rights are being violated by Comenity Bank.
Product: Mortgage

I have contacted Mr. Cooper on several occassions. They are holding almost double the oustanding balance of the loan and have cost me substantially because I didn't have the money to pay a deposit for repairs. 
XXXX XXXX Loan Number XXXX Balance approximately {$72000.00} Holding insurance amount over {$120000.00} They will not send documentation as to what provision allows them to hold this money, they will not respond with written correspondence and they will not release the amount over the XXXX What law governs this as I would like to pursue legal action pro se. I also want to formally file a complaint here against Mr. Cooper. They have also charged me late fees that were not late in the past.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2019 GM Financial received an insurance payment of {$13000.00} from XXXX XXXX, and an additional check from XXXX XXXX XXXX for {$12000.00} to pay off the XXXX XXXX XXXX, I had financed with GM financial . Since then, they have placed the vehicle back on my credit score as a charge off. I have had it removed multiple times. But they keep placing it back on my credit report. Ive disputed it, and now they placed it back on my credit report as a charge off again! My credit score plummeted XXXX points as of today. GM financial refuses to properly reflect the vehicle paid off. I dont know if my next step is to get an attorney?
Product: Credit card or prepaid card

I closed my account and was told I would receive a refund on the XXXX dollar initial fee after 90 days However it never arrived I complained 5 times to no avail. Please help.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I transferred {$2200.00} to XXXX XXXXXXXX through Chime for a purchase of a XXXX XXXX XXXX which is what I entered in the Note. It went to the wrong XXXX XXXX. I contacted Chime and they told me that they were unable to refund me. They told me that I needed to contact the receiver directly. However, it went to the wrong person and I do not have the receivers information and they can not provide their contact information. On XXXX, XXXXXXXX XXXX, I noticed this amount shows " expired '' which Chime told me that happens when the user never claims the money. So, I contacted Chime again and they told me that the funds went into the users account and they can not recoup the funds. And they still refused to provide me with the information of the receiver. I need the information to seek legal action on the receiver. Chime should have been able to assist me since this was a large sum of money that went to the wrong receiver. Chime states that the receiver still has the money in his account but they refuse to give me the receivers information to contact them to return the money to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

problem whit bayview loan servicing on my credit report about every 2 to 3 month show 30 60 90  days late on payment i alwais pay my paiment on time my credit is very lo because of them they add fee on my account for nothing they call us avery day 7 day a week for a year or more this month my payment go up over {$200.00} is t a nightmare whit them i think they XXXX people lef and right i try to fine a lawer to file a sue again them but no success yet
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I purchased 15 twin mattress for a XXXX XXXX the total cost was {$3300.00}. The sales clerk offered a 90 day same as cash with NO CREDIT check option. I have excellent credit and try to keep my inquiries at a minimum. I took the option knowing I would have this paid off within the 90 days to avoid any interest. The time for me to pay {$2000.00} back is anywhere from XX/XX/XXXX - XX/XX/2020. I check my CB almost daily due to the industry I work in requires I keep good sound credit so I keep tabs on it. I noticed on XX/XX/XXXX Acima Credit reported to the bureau I opened credit with them for {$4500.00} on XX/XX/2020. This is not factual I opened credit/lease on XX/XX/XXXX and the amount granted was {$2400.00} of which only {$2000.00} was utilized. How can they say I owe {$4500.00} when I only used {$2000.00}? I asked how can you report interest before its earned? The company says it's not interest but a daily lease fee on a 12 month lease. I asked again how can you report a fee in advance of it being earned? He said again it was not a fee not interest but a daily charge. This makes no sense and sounds predatory. For individuals with bad credit and not credit conscious they can get away with these practices, however I'm astute enough to know this is wrong. If you grant {$2400.00} then the line item should reflect {$2400.00} with a balance of {$2000.00} which I've made a payment so the amount owed is {$1600.00}. How is the balance and credit {$4500.00} regardless of payments made? The rep told me they are not a credit card but a lease ... so they do it differently. I'm old enough to know 2+2=4 and 3+1=4 it all has to make sense and this doesn't. Acima Credit should be investigated for predatory behavior and reporting erroneous information.
Product: Student loan

To Ombudsman Group, Loan XXXX My husband reached out to studentaid.gov an office of U.S Department of Education regarding feedback case XXXX. ( all attachments are included ) I posed the following question, " I'm trying to determine what is the legal binding date of the Federal Consolidation Loan Application and Promissory Note I have attached to this feedback case. My assumption is that this Note became legally binding on XX/XX/2006 when both my wife and I signed the document. Please review the document and reply with the date that makes this a legal binding document. They replied with the following, " Dear XXXX XXXX XXXX, Thank you for contacting the U.S. Department of Educations ( EDs ) office of Federal Student Aid ( FSA ). This email is in response to your inquiry regarding a Federal Consolidation Loan Application. Your case number is # XXXX. Please retain this number for reference. You are legally bound by the terms and conditions of your Federal Consolidation Loan Application and Promissory Note from the date of your signature, XX/XX/2006. For any questions regarding your federal student loan balance or account details, you may contact your servicer, Nelnet, at XXXX. We hope you find this information useful. If you require further assistance or have any questions, reply to this email or contact us. Our hours of operation are Monday through Friday, XXXX XXXX. to midnight Eastern time ( ET ) and Saturday and Sunday, XXXX XXXX. to XXXX XXXX XXXX. We are closing your case at this time. Sincerely, XXXX XXXX Federal Student Aid According to the outcome, please help clarify whom you spoke to with the department of education because what you mentioned in paragraph three of your letter doesn't correlate to the Department of Educations response which validates this loan application and promissory note was signed after XX/XX/2006 when congress had eliminated the spousal consolidation program.

I don't believe they were in contact with the Department of Education regarding the legal binding contract my husband and I signed on a date after the program no longer should have existed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 requested LexisNexis to freeze my account and they refuse to process my request due to lack of identity documents. Copy of my passport, bank statement were submitted. My driver license is not current, However, proof my address were submitted as well..I believe that I submtted the necessary ducumentation. They also stated that were not legible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance {$37000.00} XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I was scammed by someone posing as a XXXX worker offering me a job opportunity. What happened was a check was sent to me containing {$3500.00}, XX/XX/XXXX I deposited it using my XXXX  mobile app and a few hours later, the funds were available to me. The scammer then had me send {$3000.00} of the funds to a " foster home '' through zelle and XXXX using bitcoin. {$2000.00} went to Zelle, and {$1000.00} went to XXXX. Then the check ended up being fraudulent, so the money was returned, resulting in my account having a value of - {$3000.00}. I contacted my bank and met with a representative, who then froze my account and told me to wait for 7-30 days so they can try to get the money back from XXXX. However, they stated that they can't take any action against getting money back from Zelle. I would likely need to pay it off myself once they unfreeze my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy and in 15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, continues to report outdated, derogatory remarks to my TransUnion Credit Bureau, in spite of several disputes regarding inaccuracy. They remarks state " BANKRUPTCY DISMISSED ''. I do not currently have a bankruptcy reporting on any of my credit reports. 
I disputed the remarks twice with TransUnion Credit Bureau on XXXX and on XX/XX/20. Received a response from TransUnion on XXXX and on XX/XX/20 stating " account has been verified ''. 

Additionally, XXXX XXXX XXXX  FAILED to mark this account as " DISPUTED BY CONSUMER '' upon receiving my dispute within 30 day time frame of dispute. 

I also spoke with a XXXX XXXX XXXX representative, XXXX id # XXXX, by phone on XX/XX/20, who stated the account is reporting accurately and that there was nothing they could do. 

This inaccurate/derogatory information continues to negatively affect me financially and emotionally.