23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

in XXXX of this year, 2023, 4 fraudulent charges were made over a 7 day period against my credit card by the same unauthorized individual, XXXX XXXX, and shipped to his address in XXXX, TX. I live in XXXX, TX. I do not know XXXX XXXX, never shared my credit card information with him, nor in anyway authorized the credit card company, Marcus : by Goldman Sachs, to allow XXXX XXXX to make any charges against my account. 

Of these 4 charges, the first seller ( XXXX XXXX XXXX ) recognized the charge as fraudulent and returned the funds to my credit card. The second purchase made against my account with XXXX XXXX was acknowledged as a fraudulent charge by Marcus : by Goldman Sachs after we filed a dispute with the credit card company and they refunded the charge to my account. 

Eight months later the remaining 2 charges made against my account to seller, XXXX XXXX, made by the same Unauthorized User, XXXX XXXX and shipped to his address in XXXX, TX have not yet been recognized as fraudulent charges and we are still being held accountable for the payments.This is totally unreasonable considering the facts that XXXX XXXX XXXX XXXX  immediately recognized the charge by XXXX XXXX as fraudulent and refunded our funds and that Marcus : by Goldman Sachs also acknowledged the second charge with seller, XXXX XXXX was fraudulent and refunded our account but refuse to acknowledge the remaining 2 charges to XXXX XXXX made by XXXX XXXX and shipped to XXXX, TX are not fraudulent. 

Marcus : by Goldman Sachs original investigation appear to be inept, had errors, and did not include some pertinent information. We contacted the seller, XXXX XXXX, and obtain copies of the original sales orders and proof of shipping. These documents indicated that XXXX XXXX was the purchaser of the items in question and that the items were shipped to his address in XXXX, TX. These documents were provided to Marcus : by Goldman Sachs. 

Our complaint is that as of XX/XX/2023 we have not received an answer for why they are holding us responsible for the remaining two charges made by XXXX XXXX while the other 2 charges WERE determined as fraudulent. My second question is what right Marcus : by Goldman Sachs decided to allow an Unauthorized individual who had no connection with my credit card to make charges against my credit card and ship the resulting products to an alternate address that also had no association with any of my credit card information.
Product: Mortgage

Our issue began this year, because of a mortgage default. We attempt on several occasion to rectify with Bank of America. Currently we have experience a lack of communication by our appointed point of contact, and customer retention manager ( CRM ). We have receive notice that we qualify for a short sale, however after only two months of marketing we were informed that our marketing period had ended. We have research and informed the bank that in our current market the time frame to sale is at a minimum of 120 days. We have set varies appointment with the CRM, in which no effort to make contact was made by BOA, neither to us or to the Realtor on file. When we attempt to call the bank the representative who answer tells us that our CRM is not currently available, and attempts to help us with a limited capacity/ while informing us that we would have to make another appointment with the assign CRM. Our Realtor, using the XXXX system has submit, a offer ( cash ) that has been waiting in the equator system, for almost a week. Upon calling Bank of America, they informed us that the offer has not been reviewed, and that current the reviewer is not available. Furthermore that the Customer Retention Managers do not have access to the very system they are should using to help us with the short sale. As a Veteran of XXXX, I expected a little more cooperation. I have repeatedly ask that the property be reevaluated, as the values in our have are on a continuous decline. I am not sure where to turn. I am even willing to complete a deed in lieu, however upon asking the bank, apparently that is not an option. How is that not an option if the foreclosure sale date was already set.
Product: Debt collection

I never had XXXX XXXX and i tried many time to call XXXX XXXX i asked about this problem but they never respect. I never had XXXX. They collect again new collect
Product: Checking or savings account

We have a safety deposit box with Wells Fargo Bank N.A., branch location, XXXX XXXX XXXX, XXXX XXXX. XXXX. A letter dated XX/XX/XXXX was received stating that this branch will be closing XX/XX/XXXX, and all boxes need to be closed by XX/XX/XXXX or the box will be drilled & contents secured at a central repository. We reside in XXXX  for 6 1/2 mos. out of the year and will not be returning to XXXX  until the end of XXXX, XXXX. 
We are able to access our deposit box by the end of XXXX. We are not comfortable with anyone opening the box & the removing the contents as there are personal & private items contained there & thats the reason why we chose a safety deposit box to begin. I called the branch involved and was told this is our only option. 
Thank you for your help and consideration in this matter.
Product: Debt collection

To whom it may concern : When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness.This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. It's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as XXXX XXXX standards. For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report.Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate.These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form MIDLAND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2017, I was stated to have missed 11 student loan payments because I had 11 different student loans from them at the time. It was stated that all 11 payments were 90-119 days late. This is not true. XXXX operates in a way that you pay a certain amount each month which THEY, not the individual making the payment, spread across the various loans that you have. That means that I only missed the 1 payment and not 11 separate payments. It also does not add up that the " 11 payments '' were all that late considering that every months payment after that was perfectly on time so I would not have had anything left to catch up on. I have contacted XXXX and they had me file a dispute but the dispute simply said that they found nothing incorrect. After calling them multiple other times, they then said that the issue was with the credit reporting agencies. I tried to contact XXXX, XXXX, and Experian to see what they can do but I have yet to get any answers about what can be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Nelnet a factual dispute of my credit report. I DID NOT USE a credit repair company. I pulled my 3-bureau report from XXXX  and noticed several instances of Nelnet violating the FCRA specifically in sections 623 and 611. Please investigate both of my attachments.
Product: Checking or savings account

On XX/XX/ Deposited in Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX I deposited a Cashiers check for {$2300.00} and they closed my account and are holding my money for 30-60 days and I need my money for rent. 

My Citibank account is : XXXX Routing Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX filed complaint against Rent Recovery Solutions LLC. Complaint was completed  and justified but Rent Recovery Solutions still appear on XXXX and XXXX  when they were to be removed. Rent Recovery Solutions LLC appeared on XXXX twice only 1 was removed it also appears on XXXX now and still remains.
Product: Credit reporting or other personal consumer reports

Kindly see file attached titled XXXX  dispute letter. This letter details the dispute been filed against XXXX XXXX and the credit bureaus involved. 
Kindly see file attached.
Product: Credit reporting or other personal consumer reports

The credit reporting company is in direct violation of U.s. code 1681 EB This law states ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Attached below is where Equifax is reporting this as being ok and paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of buying an ATV for summer fun. As I was looking for the one, I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualified. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theftXXXX {$360.00} XXXX $ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with XXXX, XXXX and Transunion. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit card

I hope this letter reaches you in good health and spirit. The reason why Im writing is because my Macys AMEX credit card. 
I called and spoke to an agent on XXXX2025 and asked him was my payment of {$280.00} going to RETRY to process the payment because the original payment didnt go through because XXXXXXXX XXXX was having errors on their in. The agent advised me no it wont RETRY you NEED to go ahead and make another payment so I did make another payment of {$280.00} on my account while he was on the phone. I had the money the whole time XXXX XXXX was having an issue so the first payment rejected. Today when I looked up my XXXX XXXX  account on XXXX2025 the payment of {$280.00} did RETRY. The agent did not know what he was talking about at all and the original RETRY payment is not going to go through now because the second payment of {$280.00} has already came out. I do not want any fees or this to count against me on my account because the agent did not know what he was talking about which is not my fault just like XXXX XXXX having an issue isnt my fault. Can you please look in to this and make sure I dont have any return fees and retry fees in result of all of this. Thank you for your time. Have a wonderful day!
Product: Debt collection

Account Name : MERCHANTS CREDIT GUIDE Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$680.00} Reason : Identity theft Please remove it from my credit report. 

Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Identity theft Please remove it from my credit report.
Product: Debt collection

This bill is not mine i lived renting a house and the owner on XXXX XXXX XXXX. where was my last gas bill but the rental company locked the doors and change locks i could not get in and the landlord use the gas for some months it was not me.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Employer - XXXX XXXX  Employer - XXXX XXXX  XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX ; Private SSN ), Consumer Date of Birth : 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 Equifax 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 a personal credit card account from XXXX XXXX # XXXX {$7600.00} opened XXXX XXXX XXXX XXXX XXXX XXXX opened XXXX {$42000.00}... These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.

What would be a fair resolution to this issue? ( demand for relief.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Equifax credit reportingagency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX.
Product: Student loan

At the age of XXXX, I met with a counselor at XXXX University, in XXXX, CA.
I applied and was accepted into there XXXX program which I completed XXXX 2014.
To pay for the tuition I secured a Fafsa loan.
I accrued a {$180000.00} debt. Now I ; m homeless and suffer from XXXX XXXX.
The XXXX University counselor failed to inform me that being a resident of California and over age XXXX, I could have earned an XXXX at a California XXXX University, for only {$11.00} per semester not per course but per semester.under California Education Code Section 68017, ( XXXX year old tuition waiver ) But being that XXXX is a for profit school, they convinced me to attend XXXX they took advantage of me, and did not inform me that I could earn an XXXX at a California XXXX  University school for under {$1000.00}, total.
Instead I attended a XXXX and incurred a {$180000.00} debt.
Which now at age XXXX will Never be able to REPAY.
Please help me. Please
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate cessation of a range of unlawful activities involving my account with Self Inc. As a concerned customer, I have discovered a multitude of unauthorized actions that have taken place without my consent, which has left me deeply troubled. I insist on the following corrective measures : XXXX XXXX XXXX, Fraud, False Reporting, Extortion, and Unauthorized Use of My Social Security Number : Self Inc. has engaged in a pattern of racketeering, fraudulent activity, false reporting, and extortion. Moreover, my Social Security Number ( SSN ) was used without my consent, a grave violation of my privacy and security. I demand that Self Inc. cease and desist from any further unlawful activities immediately.

Return of Stolen Funds and Removal of Unauthorized Securities : I assert that Self Inc. is responsible for the misappropriation of my personal and financial information, which has resulted in the loss of funds. Additionally, securities were taken out without my consent. I demand the prompt return of any stolen funds and the removal of unauthorized securities from my account.

Account Closure and Removal of Derogatory Marks : In light of the criminal activities conducted by Self Inc., I hereby request the immediate closure of my account with your organization. Furthermore, I demand the removal of any derogatory marks associated with my account due to these unlawful actions. 
Violation of Applicable Laws : It is essential to acknowledge that the actions of Self Inc. have violated several relevant laws, including : aXXXX XXXX XXXXXXXX Influenced and Corrupt Organizations ( RICO ) Act, 18 U.S.C. 1961-1968 b. The Federal Fraud Statutes, including 18 U.S.C. 1343 ( Wire Fraud ) and 18 U.S.C. 1341 ( Mail Fraud ) c. Laws governing False Reporting, such as 18 U.S.C. 1001 d. Laws governing Extortion, including state and federal extortion statutes e. Unauthorized use of personal information, a violation of privacy laws I insist on your full cooperation in addressing these issues and complying with my demands. Failure to do so will result in my pursuit of legal action to protect my rights and interests and to ensure that Self Inc. is held accountable for its unlawful actions. 

Please contact me at XXXX or via email at XXXX to discuss the specifics of returning stolen funds, the removal of unauthorized securities, the closure of my account, and the removal of derogatory marks. 

I expect a prompt response from Self Inc. regarding these demands, outlining the actions you will take to rectify this fraudulent and illegal situation. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

dave is holding my dd hostage. they have not release my funds from work. i want to sue them for fraudulent activities. they will make your settlement date for 13 days hold your money then claim i was late paying it back when they released funds several days late. please help
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit reporting act, this creditor XXXX XXXX XXXX XXXX XXXX has violated my rights under 15 USC 1681 section 602, states i have the right to privacy 15 USC 1681 section 604 section 2, it also states a consumer reporting agency can not furnish an account without my written instructions under USC 1666b. A creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late payment for any purpose. Please remove this late payment immediately as you are violating the law.