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

In XXXX of XXXX a credit card with XXXX XXXX XXXX ( XXXX ) was fraudulently opened in my name. I did not discover this until the fall of XXXX when a collection agency contacted me. I immediately filed a police report and hired XXXX ( a credit restoration service through XXXX XXXX ) to assist in getting this card off my credit report. In XXXX of XXXX we started calling XXXX to get this resolved. Now its been 13 months with zero resolution. 
I have sent them everything they have asked for to resolve, including police reports and other documentation. We have made countless calls to XXXX. Its important to note that 3 other credit cards were opened in my name at the same time with 3 other banks. All of those banks released my obligation within a couple weeks of contacting them. XXXX has all the information to prove it was fraudulent but continues to do nothing. This has negatively affected my credit as we are now in the process of purchasing a new home- the higher interest rates will cost us several thousand dollars. This needs resolved! I am convinced XXXX  is not even trying to resolve as they have all the information needed. 
HELP!
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 XXXXXX/XX/XXXX
Product: Student loan

XX/XX/year> i received an email stating my loan would be discharged and refunded from the department of education. mohela has yet to do so and provide no update. my loan is in forbearance with finance keep racking up and still affecting my credit report
Product: Money transfer, virtual currency, or money service

We used PayPal to purchase a puppy from out of state on XX/XX/2019. After attempts to get tracking information the individual XXXX XXXX XXXX did not respond to any email, phone, or text. When we asked to cancel the transaction on XXXX he said he would have the money back to us by XXXX that evening ... this hasn't happened. We have tried to resolve through PayPal which was denied and currently through our bank.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your urgent attention a critical issue concerning my credit report. Upon reviewing it, I have discovered fraudulent accounts that do not belong to me. I formally dispute the presence of these unauthorized accounts and request their immediate and aggressive removal from my credit report. As a victim of identity theft, I am perplexed as to why the CRA is not complying with the law, especially when the other bureaus have done so. I have provided supporting documentation, including a copy of my identity document, police reports, and any other relevant materials, to substantiate the claim that these accounts are a result of identity theft or fraudulent activity. The fraudulent accounts in question are as follows : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 

Recognizing the importance of your role in maintaining accurate and reliable credit information, I urge you to swiftly and aggressively investigate and remove these fraudulent accounts from my credit report. It is crucial that these unauthorized entries be deleted as soon as possible to prevent further damage to my credit score and financial standing. I appreciate your understanding of the urgency surrounding this matter and request your prompt attention in resolving this dispute. I hereby request that you initiate an immediate investigation into these fraudulent accounts and provide me with the results as soon as possible. I expect that you will take all necessary actions to promptly delete these entries, ensuring the accuracy and integrity of my credit report. Thank you for your prompt attention to this matter. I eagerly anticipate a swift resolution and the removal of the fraudulent accounts from my credit report.
Product: Payday loan, title loan, or personal loan

I had numerous payday AND installment loans with lendup over a few years... XXXX loans to be exact ranging from {$250.00} to {$1000.00}. I had reached the highest place in their " ladder '' but the interest remained very high and I was caught for years in a vicious cycle of borrowing and paying off every month costing me thousands of dollars. 
I just read that this agency successfully filed and completed a class action lawsuit against them. 
Am I,, a victim going to see any resitution? 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ) XXXX, Ca XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding multiple fraudulent accounts and unauthorized inquiries that have appeared on my credit reports due to identity theft. Despite my repeated attempts to resolve these issues directly with the credit bureaus, these fraudulent accounts remain unresolved and continue to severely impact my credit score and financial standing. 

Summary of Fraudulent Accounts and Inquiries Being Disputed : XXXX : 1. XXXX XXXX XXXX XXXX ( XXXX ) Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00} Status : Derogatory 2. XXXX XXXX XXXX XXXX ( XXXX ) Account # : XXXX Status : Disputed 3. XXXX, XXXX. 

Account # : XXXX Status : Disputed 4. Inquiries : XXXX XXXX XXXXXXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Card Date : XX/XX/XXXXXXXX XXXX XXXX 1. XXXXXXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$280000.00} Status : Disputed 2. XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Disputed XXXX. XXXX XXXX XXXXXXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Status : Disputed TransUnion : XXXX. XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$300000.00} Status : Disputed 2. XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Disputed 3. XXXXXXXX XXXX  Account # : XXXX Date Opened : [ Unclear, verify date ] Status : Disputed 4. XXXX XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Status : Disputed 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX Date Opened : [ Unclear, verify date ] Status : Disputed 6. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Actions Taken : I have filed disputes with XXXX, XXXX, and TransUnion and submitted necessary documentation, including a police report and an FTC Identity Theft Report, proving these accounts and inquiries were the result of identity theft. 
Despite my efforts, these fraudulent accounts and inquiries continue to remain on my credit report, causing extensive damage to my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error. 
XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX XXXX**** Balance Owed : {$6.00}
Product: Mortgage

I opened a HELOC with SpringEQ on XX/XX/2022. During the application process, they said that the cost of my appraisal had increased {$290.00}, from the {$580.00} original estimate to {$870.00}. I called SpringEQ and spoke to a Sales Manager, XXXX XXXX, and he verbally agreed that SpringEQ would split the cost of the increased appraisal cost and he took my payment information to collect the additional {$140.00}, which was in addition to the {$580.00} previously collected. Upon closing, SpringEQ did not provide a credit for the {$140.00} that they agreed to pay and instead deducted that amount from the proceeds of my initial draw. Despite numerous attempts to resolve this with SpringEQ, they are no longer responding to my emails.
Product: Debt collection

Full amount of XXXX was paid on XX/XX/20 however account was placed for collections on XX/XX/20. I attempted to get this removed and even tho they say its been removed, its still reflecting on my file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Account number # XXXX Subject : Request for Account XXXX Dear American Express I hope this letter finds you well. I am writing to request specific information regarding my account with your organization, which has been charged off. 

Please note that I am not disputing the validity of this charge-off ; rather, I am seeking clarification on the following dates pertaining to my account : 1. Date of First Delinquency 2. Date of Last Activity 3. Date Charged Off This information is important for my records and for any future financial planning. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX we are going to
Product: Debt collection

Repeated letters referencing debt not owed. Fails to provide the legally adequate amount of information on the amount owed, time frame, and entity they are collecting for.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2022 I disputed the completeness and accuracy of a trade line reporting on my consumer report and Trans Union said they updated the account only for the account to be reporting the same way. This is my final attempt at resolving this before I file a federal lawsuit.
Product: Money transfer, virtual currency, or money service

I am trying to send money from my XXXX  to link to my PNC and it won't let me link successfully. I would like to transfer at least {$500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX in XXXX XXXX XXXX during the time this loan was initiated with XXXX XXXX XXXX XXXX. During this time I did not have cell phone service or wifi. It was impossible for me to pull the loan. Ive called and asked them about it and they did confirm it was electronically signed. Ive recently been able to get a copy of my credit report and identity errors such as this because Ive taken a break from XXXX. From XXXX Ive XXXX XXXX  times with the XXXX XXXX . All to places where I did not have cell phone service or wifi. The account number of this loan is XXXX. 

This account was fraudulently opened by someone who accessed my account during this time of my first XXXX. Please resolve this issue and remove it from my credit report. Ive already filled out a report with identitytheft.gov and contact XXXX XXXXXXXX  and was offered no resolution.
Product: Mortgage

Ive requested all forbearance letters exit and entry of forbearance and documentation of any extensions, Cross country mortgage and the loan serviced has not produce any forbearance documentation letters, this has prevented me from refinancing my loan with new mortgage company they failed to produce theses documents going on thirty days or refuse to research and give me copies if no copies available they should produce such letters for exit of forbearance and any extension For loan XXXX without this documentation I can not refinance my loan, Ive lost XXXX trying to correct this Im ask them for all documents by XX/XX/XXXX or will take legal action of being able to produce require documentation for this loan
Product: Mortgage

Because I am a XXXX XXXX survivor and the underwriter could not find what he was looking for, he decided to harass me to divulge information that violated my rights under " The Address Confidentiality Program. ' I feel I was also mistreated because of my age.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding TransUnion, XXXX, and XXXX Violating Metro 2 Compliance Standards Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TransUnion, XXXX, and XXXX, collectively referred to as the credit reporting agencies, for their violation of Metro 2 compliance standards and the Fair Credit Reporting Act ( FCRA ). It is my belief that their actions have resulted in inaccuracies and inconsistencies in the reporting of my credit information, adversely impacting my credit reports. 

Inaccurate and inconsistently reported Accounts Information : 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 Details of the Violations : XXXX. XXXXMetro 2 Compliance Standards : XXXX The credit reporting agencies have failed to comply with Metro 2 standards, leading to inaccuracies and inconsistencies in the reporting of my credit information. These inaccuracies include [ provide specific details of inaccuracies and violations observed ]. 

XXXX. XXXXFair Credit Reporting Act ( FCRA ) : XXXX The credit reporting agencies have violated the FCRA by reporting inaccurate and inconsistent information. These violations have negatively affected my creditworthiness, causing undue financial hardship. 

Resolution Sought : I request a thorough investigation into the credit reporting agencies ' compliance with Metro 2 standards and the FCRA. Specifically, I am seeking the following resolution : XXXX. XXXXDeletion of Inaccurately and Inconsistently Reported Accounts XXXX XXXX I request the immediate deletion of all inaccurately and inconsistently reported accounts from TransUnion XXXX XXXX XXXX and XXXX. This action is crucial to rectify the inaccuracies and inconsistencies and to restore the accuracy and fairness of my credit reports. 

I appreciate the Consumer Financial Protection Bureau 's commitment to consumer protection and fair credit reporting. I trust that your investigation will lead to a resolution that upholds the principles of Metro 2 compliance and the FCRA. 

Thank you for your prompt attention to this matter. I am enclosing supporting documentation, including copies of my credit reports and any relevant correspondence with the credit reporting agencies. 

Sincerely, XXXX XXXX
Product: Checking or savings account

My complaint is against Associated Bank. They advertised a promo that if two direct deposits were made within a certain length of time I would get a {$300.00} bonus. It has been a while since I made the second direct deposit, and I did not receive the bonus so I called the bank. I was told I could not have the bonus, because my average daily balance was below the minimum {$1000.00}. I explained that when I visited the bank I was told I did not have to maintain a minimum balance in order to get the bonus, so I withdrew my cash all but {$1.00}. I was then told they will review the matter and get back with me. I received d call from them today only for them to tell me they are denying my bonus. I feel I was misled in this, because had I not been told I didn't have to maintain a balance I would have left {$1000.00} in the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I received an approval letter for a XXXX deferment for the XXXX XXXX XX/XX/XXXX. The bank reported the deferment payments as late with XX/XX/XXXX with it being XXXX days past due, XX/XX/XXXX being reported as XXXX days past due and XX/XX/XXXX being reported as XXXX XXXX XXXX XXXX 
I want this lates removed off my consumer report.
Product: Checking or savings account

XX/XX/21 I placed an online order w/ XXXX  for a birth certificate. The birth certificate is to come from AR XXXX XXXX XXXX XXXX. XXXX # XXXX, I received an email that shows my order shipped XX/XX/21. Per XXXX email, timeframe is 3-7 days. I never received the order. I sent multiple emails. 

I placed another order for the same birth certificate on XX/XX/21, Order XXXX. I received an email notifying me that my order shipped XX/XX/21. After sometime of me NOT receiving this order either, I sent emails. I eventually received a response advising me to contact Arkansas XXXX XXXX at XXXX. 

I called the number and I was informed its the incorrect number to be calling, they dont know why that number is being given to the public. The young lady then provided me a different number XXXX. I have called that number and I keep getting transferred to someones voicemail by the name of XXXX XXXX, her mailbox is full. 

At this point. I just want a FULL REFUND. $ XXXX for each order placed. These are not the only orders I placed. I had one other order BETWEEN these & I received it withing the timeframe of 3-7 days. So what is happening each time I place an order for my mothers birth certificate that I am receiving a notification that it shipped and I dont believe it ever shipped. I would have it by now. I got my other order. Thats {$46.00} Im out of now. I want my refund please and thanks.
Product: Mortgage

Over the course of many years, - from the initial inception of my parents purchasing this home at XXXX XXXX XXXX XXXX, XXXX XXXX, Nevada XXXX, back in XXXX striking through, and leading all the way up to myself in present day, - my parents and I have been cheated, and defrauded out of tens of thousands of dollars in mostly near interest only mortgage payments over the course of many years, as well as the loss of our homes natural equity because of fraudulent practices committed against us by Countrywide Home Loans, and later by extension Bank of America. 

Please see attachments I don't have enough file space to include the attachments?
Product: Credit card

There is a credit balance on my Discover credit card account. I requested that check be sent to me to resolve the balance and to date there has been no evidence that there has been an action to refund my money to me
Product: Credit card or prepaid card

On XX/XX/XXXX, I closed my American Express credit card with a credit balance of {$680.00}. AmericanExpress informed me that they would sent me a check to close out the remaining balance. I waited a month and I did not receive the check. On XX/XX/XXXX I contacted AmericanExpress. I was told a checked was mailed to me and cashed on XX/XX/XXXX. I informed XXXX that I never received the check and I made a couple of follow ups with them afterward. I was told the balance would be sent to me again through wired transfer. 

Then on XX/XX/XXXX, I received a letter from XXXX stating again that my remaining credit was cashed through a check and with the letter, a copy of check was attached. I saw no signature at the back of the check and it was deposited to an account I did not recognize. I immediately contacted XXXX and told them the situation. XXXX informed me that they would investigate with the back office and keep me updated. Afterward I never heard from them. Each time I contacted them I was told that the check has been mailed and cashed and they refused to refund me the credit balance.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I demand that the following account be verified or removed immediately : 1. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. " 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That is not initiated by the consumer '' XXXX XXXXXXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account.

3. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXXXXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
4. 1 ( Pursuant to 15 USC 168 a ( 2 ) ( B ) - Permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ) I never gave you any Written Consent to report anything on my consumer report. 
XXXX  XXXX Account Number : XXXX As a consumer by the law This account must deleted immediately. 
In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX
Product: Mortgage

On XXXX, 2016 I called CitiMortgage for payoff information on my mortgage loan. I was told that the total payoff amount to pay the loan in full is {$30000.00}. On XXXX XXXX, I transferred {$30000.00} form my Citibank account to CitiMortgage loan account. However, CitiMortgage did not process the transaction as the final payoff and instead processed it as a payment for the month of XXXX ( Principal {$170.00}, Interest {$75.00}, Additional Funds Received {$28000.00}, Escrow {$980.00} ). I called CitiMortgage again on XXXX XXXX to correct this processing error and to process it as the final payoff. They still did not correct the amount of interest that was charged for until the payoff date of XXXX XXXX. I have written and called CitiMortgage numerous times in the last three weeks, however, they will not give me an answer as to why they have charged me interest for the entire month of XXXX, when I made the full payoff of loan on XXXX XXXX. According to the payoff statement my escrow balance should be {$2700.00} after the payoff, however, by overcharging me the interest for the month of XXXX, CitiMortgage took money out my escrow and lowered the escrow {$46.00} to {$2600.00}. It is a small amount of overcharged interest but it is wrong as a matter of principal should be corrected.