23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have already disputed this mark against my credit to XXXX XXXX on the XXXX XXXX website, and it 's been closed. I would like it to be closed with XXXX as well, how do I do this? My credit score is being negatively affected due to fraud and I feel this is an unfair practice as I said XXXX credit reporting agency already removed this. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding an account that is incorrectly being reported on my credit file, despite being past the statute of limitations for reporting. The statute of limitations for this account is six years, as it was established in Delaware. 

I contacted XXXX XXXX and Experian ( online ) and even after filing a dispute, and they informed me that they could not assist me but advised me to reach out to Experian. However, I have not been able to reach anyone at Experian again over the phone to resolve this matter. Since this account is beyond the allowable reporting period, it should be removed from my credit report immediately. 

I have also attached a copy of my credit report I am granting the CFPB authorization to investigate this matter further on my behalf. I appreciate your assistance in ensuring that Experian complies with federal credit reporting laws and promptly removes this outdated account. 

Sincerely,
Product: Debt collection

In 2014, my husband and I lived in an apartment complex for a few months personal issues happened where we had to leave. Almost 3 years later we decided to get a credit report for personal reasons and noticed an extremely large debt with a debt collector. Within the years they did not notify us what so ever. Last month we reached out to them and they provided us " verbally '' a list of things we supposedly owed when I asked if they could work with us they said no. We were not going to pay such an amount with no proof of this debt, no notification of debt, and the fact that it has been years and they still expect us to pay the full amount is outrages! Since then we have still not received any paper work indicating the debt. We have contacted the creditor and recently found out they have new owners. We have called, been to the office, and emailed them to at least provide some type have verification of new ownership and some type of copy of our file and have yet to hear back from them. This is ridiculous, I do not understand how they expect us to pay an outrages amount of money we had no acknowledge of oweing, this is not right!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries associated with my credit file as permitted under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and the following accounts and inquiries are not authorized by me. 
Fraudulent Accounts : XXXX. XXXX XXXX Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$420.00} XXXX. XXXX XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$23000.00} XXXX. XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$1700.00} XXXX. Bankruptcy - Account # : XXXX - Filed : XX/XX/XXXX - Balance : {$0.00} Fraudulent Inquiries : XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Scammer posted a listing on XXXX XXXX about a rental. I contacted this person and he said it was available for showings. He told me I needed to fill out a rental application and it would cost XXXX XXXX per person. Since my boyfriend and I were applying he said it was XXXX XXXX I sent this scammer the money and stopped responding to me.
Product: Student loan

On XX/XX/year> I submitted an application for loan forgiveness. I attended the XXXX XXXX of XXXX and had been awarded federal loan forgiveness. Navient now has a program for private loan forgiveness. I clearly articulated how I was defrauded, submitted documentation showing my federal loans were forgiven, as well as proof that I was awarded money through a class action lawsuit brought against Navient by my state attorney general. Today on XX/XX/year> my application was denied with no explanation why.
Product: Credit reporting or other personal consumer reports

My wife and I was to purchase a vehicle from XXXX XXXX, we didn't like the deal they offered so we went elsewhere. We did purchase a vehicle from another dealership .after we left XXXX XXXX they continued to run our credit over and over.for two-to three days they did this, for no reason.
Product: Credit card or prepaid card

On XX/XX/2020 I went to make my monthly payment on my Synchorny XXXX XXXX XXXX  Card and was prompted that my account had been closed. My monthly payment is not due until XX/XX/2020 but I paid it early. I generally pay on it bi-weekly just to make extra payments and keep interest down. I paid on XXXX and XXXX. I called customer service and was told that I received a letter in the mail stating why my account was closed, which the rep said it was closed on XXXX. When I paid on XXXX XXXX my account was not closed. I never received a letter just the monthly bill. The representative told me they pulled my credit report to see what I was spending my money on and made the decision to close it. I explained to her that makes no sense for a company to continue to pull my report like and cause my score to drop by doing so. I asked for a manager so I could get the information on filing a report. The manager decided to argue with me stating " how do I think we receive increases on cards ''. I explained to her you receive increase based on your credit payment history with the company not from them pulling your credit report. She refused to give me the consumer complaint information to make a complainant and continue to try and argue me. She then stated they mailed a letter on XXXX, weeks after the initial rep said it was closed. I have not missed a payment on my account and my account is in good standing yet they have closed my account and caused my credit score to drop 54 points by doing so. From the complaints filed with the XXXX  they have done numerous people like this within the last 6 months. Someone has got to do something about this. They are ruining our credit closing accounts like this.
Product: Mortgage

Had a mortgage with NewRez LLC as the servicer. I refinanced with a different mortgage company and NewRez LLC received payment in full for the mortgage I had with them on XX/XX/2020. On XX/XX/2020 I contacted them to make sure the check for my escrow funds and any overpayment had been issued. I was told the check was not cut yet and that it can take 30-45 days to return my money. This is unacceptable - they have thousands of dollars of my money that they owe me and I have never had a mortgage company take more the 3 weeks from funding to return my money. I want my money issued immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 credit card account : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer to privacy and confidentiality under 15 USD 1681. 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, has violated my rights. 15 u, s.c. 1681 section 602 a. states I have the right to privacy. 15 u.s.c 1681 section 604 a sections 2 : it also stated a consumer reporting agency can not furnish a account without my written instructions. 15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than XXXX  years. 15 u.s.c 1681 s-2 ( a ) ( 1 ) person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX account ( # XXXX ) was fraudulently created by someone in my name on XX/XX/XXXX, and an amount of {$1900.00} was charged. The account was closed by XXXX after going to collections, and was discovered by me when running my Experian credit report on-line on XX/XX/XXXX. Additionally, my XXXX band debit card was hacked on XX/XX/XXXX and charges were attempted on it from XX/XX/XXXX through XX/XX/XXXX, totaling {$420.00}. The charges were reversed to my account by XXXX XXXX after we discovered the fraudulent attempts. 

Since then, I filed a police report with my local police department, and XXXX has sent me a confirmation e-mail absolving me of any responsibility of the fraudulently created account or financial responsibility ( See attached documents XXXX. 

Despite providing Experian with all of this documentation proving my innocence and being a victim of identity fraud, they have refused to remove the XXXX account from my credit report. I have attempted two disputes with them, but they still refuse to remove the fraudulent XXXX account.
Product: Debt collection

OnXX/XX/XXXX around XXXX I contacted Accelerated Financial Solutions LLC about a debt placed on my credit report concerning XXXX. The original amount of the XXXX debt was for {$790.00} dating to XXXX of XXXX, Accelerated Financial Solutions LLC placed the debt as being from XX/XX/XXXX in the amount of {$1800.00}. I spoke to a representative from Accelerated Financial Solutions LLC who said his name was XXXX XXXX about the fact that he re aged the debt and also placed the wrong amount of my credit report. XXXX even read the original date and amount of debt off to me over the phone. XXXX stated he would absolutely NOT send me any validation of the debt or change anything unless I paid him something over the phone. He said the debt has been validated and paperwork was sent. I told him I have been calling and asking numerous times for validation on this debt and have received nothing, he said well it will not be sent and that I need to pay him now. By the end of the conversation he read off my home address and my email and said your request has been noted but do n't plan on receiving anything unless I set up a payment arrangement with him. I told them what he 's doing is illegal and he stated he knows what the law is.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act. The lists of accounts below violates my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

National Recovery Agency collection needs to be BLOCKED AND REMOVED FROM MY CREDIT REPORT IMMEDIATELY this account is fraudulent information and it's inaccurate and it violates my consumer rights I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consum credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/18, my car window was smashed and my entire purse was stolen. My wallet with all my money, credit cards, ID and checks. While at the scene with the Deputy who was writing the report, my DISCOVER card was used at a gas station ( I had received an alert on my phone ). At that exact moment, I told the deputy AND I called DISCOVER to report the fraud/crime. I explained to DISCOVER what had happened, I explained I was at the scene of the crime and that during that time, my card was used at a gas station for about {$44.00} worth of gas. The rep at DISCOVER seemed very apologetic and right away they closed the account and reported the fraud. I gave the rep the POLICE case number, the POLICE phone number AND the POLICE Detective 's name. The rep assured me that I would be protected and NOT be responsible for the FRAUDULENT charge. Fast forward 30 days, DISCOVER continuously failed to return the calls of the DETECTIVE working on my case. The DETECTIVE was able to track the FRAUDULENT purchase along with a video of the perpetrators.However, DISCOVER refuses to return the calls of the DETECTIVE and  investigate the fraudulent charge. I mailed DISCOVER a copy of the police report as well. As of today, XX/XX/18, DISCOVER refuses to acknowledge the FRAUD, investigate the case and denied my claim stating that I am responsible for the charge. After all that was/is provided to DISCOVER, and the DETECTIVE 's calls and report, they have IGNORED it all. DISCOVER has refused to follow through on all of the information and investigate this matter properly. Yet, DISCOVER " claims '' to protects its customers/clients. I need DISCOVER to honor the FRAUDULENT charge, reach out to the DETECTIVE on this case and properly remove this charge and clear my name/credit.
Product: Checking or savings account

Wells Fargo is a fraud, and I will publish a new complaint everyday until my problem is actually handled. I had {$2000.00} stolen from my account and they dont care. They didnt bother to do any investigation. They continually tell me the same thing. Contact us to see what we used to research the claim. But they cant send anything because no one did any research. No one reached out to me to provide more information or to ask me about the charges so how could they testify that they completed a thorough investigation. And who completes a thorough investigation in two days? The company is just a fraud, and no one is of any help at the bank. Probably because Im an XXXX-American woman, had I been XXXX, my case would have been solved in my favor and Im sure of it. No one treated me with any kindness or regard to my money being stolen. Dont ever bank with this XXXX, company. I will be complaining everyday on CC, and social media platforms until I have my money back. I mean every single day. This is ridiculous.
Product: Credit reporting or other personal consumer reports

CREDIT BUREAU XXXX XXXX GA XXXX XXXX CREDITORS BUREAU XXXX XXXX XXXX CREDITORS BUREAU ASSOCIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT 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 CITIZENS XXXX XXXX XXXX XXXX CAPITAL XXXX XXXX XXXX XXXX COMENITYCAPITALBANKBREADPAY XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CUSTOMER ACCTS XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block/delete 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 accounts listed below 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  ( Inquiry ) These accounts have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer credit report maintained by you which shows the fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, 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: Checking or savings account

I contacted my bank J.P. Morgan Chase and explained that Im going through a financial crisis and cant afford the expense of overdraft fees. Im living paycheck to paycheck and need every XXXX. Ive been a loyal customer for over XXXX  years. I always find away to bring my account back to good standards but chase always charging {$34.00} for an overdraft is not right, especially if my account balance is XXXX  the funds shouldnt go through the bank should decline the transaction. I was charge an overdraft fee of {$34.00} on XX/XX/year>.
Product: Debt collection

I recently learned that a fraudulent account in the amount of {$500.00} was opened in my name via Speed Cash 's online process. 

Speedy Cash seems to have no issues providing cash to a fraudulently opened accounts but when it comes to answer question posed by fraud victims they and their compliance staff can not be located or wo n't answer. 

Speedy Cash 's business model, which loosely verifies identities via its online application process is an inherent danger to the general public. Their processes puts the onus on the fraud victim to show that the account opened was not theirs. Why should the general public have to spend their time getting police reports to satisfy the fact that the company has inappropriate policies and procedures to protect the public from fraudulent accounts? 

I have tried to contact the Firm 's compliance officer, chief compliance officer and public relations officer and apparently they are not willing to discuss their process with consumers and have failed to return my email. Further, I have requested to speak directly with their compliance officer but was told by customer service that their compliance officer does n't speak to consumers. As a compliance officer myself, in a different industry, I never hesitate to pick up the phone and explain policies and procedures and in general educate consumers whenever possible. Clearly their Firm 's view on compliance is narrow and in effective. 

Please take a look at this firm and ensure their policies and procedures develop significant safeguard to protect the general public from accounts fraudulently created in their name.
Product: Bank account or service

On XXXX XXXX, 2016 my tax preparer XXXX XXXX went into Suntrust Bank at XXXX XXXX XXXX to make an XXXX XXXX dollar withdrawal she successfully made that withdrawal & left the bank within 25 minutes of leaving the bank, XXXX XXXX branch manager contacted her again and informed her to bring the money back due to a fraud alert due to deposits not being in the account holders name we were informed that if XXXX XXXX brought me to the bank and I verify my identity everything would be fine that was not the case when we got back to the bank the branch manager XXXX XXXX just wanted the money & did n't give any information as to what actions should be taken next nor did she review the information we brought to the bank I have been in constant contact with the Irs, Suntrust Bank, and the 3rd party preparer bank XXXX Bank. I have been able to get nowhere & they have constantly responded in a rude manner presenting horrible costumer service skills. I have limited information about my funds & Suntrust Bank internal department is telling me they can not give me a time frame as to when my funds will be released & and I was referred here to possible get a resolution within 10 business days of this matter being referred to the bank