23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Barclay Bank XXXX Delaware allowed a fraudulent credit card to be opened in my name, after notifying them, providing a Police report regarding identity theft, documents showing that the account was not my account and opened without my knowledge, the representative was rude and stated that it was in her opinion that my wife Opened the account and that I needed to provide a police report naming her as the suspect for them to address my concerns, and that despite the numerous items that showed that the account was not mine, they continue to leave the account on my credit, it a damaged my credit score and continues to do so.
Product: Vehicle loan or lease

Dear CFPB : Chronology of Vehicle Loan 1. In XXXX, XXXX, XXXX, I bought a used XXXX XXXX from XXXX, XXXX XXXX, XXXX  ; 2. The vehicle was financed by Suncoast Credit Union for {$24000.00} ; 3. Upon closing the purchase of the car with XXXX, XXXX XXXX, XXXX  ; 4. I had to provide Proof of Insurance before leaving the dealership [ with the car ] ; 5. I secured insurance immediately with XXXX, asx recommended by the dealership ; 6. XXXX wrote me an online policy coverage for my car ; 7. I presented the policy coverage for collision/comprehensive to XXXX, per XXXX policy , before leaving the dealership on XX/XX/XXXX ; 8. On the same day, XX/XX/XXXX, I went to Suncoast Credit Union to complete my loan document ( s ) signatures ; 9. On XX/XX/XXXX, I also provided Suncoast Credit Union with my XXXX auto insurance document ; 10. However, on XX/XX/XXXX, Suncoast immediately put a " Forced Placement Insurance '' on my auto loan.
Product: Debt collection

I had my mortgage set up for automatic payments in the past. In XXXX of 2020 I was in the process of refinancing with another bank. I called Fifth third bank and had my bank account removed from automatic payments I paid the XXXX bill through another bank account I have. Come XXXX, I refinance my loan on the XXXX. Fifth third continued to automatically charge my old bank account they had without my permission after the phone call I had with them in XXXX to remove automatic payments. The customer service rep ended up refunding the charges. Come two days later, I closed with my refinance and was charged again from fifth third bank to my old account.customer service was less than helpful
Product: Student loan

My federal loans were discharged under XXXX XXXX XXXX. I don't understand why my federal loans were discharged for a fraudulent degree, yet my private loans are not eligible. The reason provided is very vague as well. 

" Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' What are the requirements for discharge when the school was closed, degrees were not recognized, and credits were not eligible for any type of transfer? I would like to resubmit my application with additional evidence and ask that my forbearance time is reset until I gather the additional documentation. It is my right to continue the complaint process and it will be resubmitted until students get the justice they deserve.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 at XXXX XXXX I made a money transfer of {$400.00} via the Western Union to a family member in another country. After I sent it, my family member called to tell me he was " not allowed to receive the money because the receiver name on the transaction didn't match his government identification '', so, I thought, " I'll fix it, no worries, let me call the Western Union and ask to change the receiver name ''. So I called and was transferred a million times only to be told " there's a hold on the money '' by the " Compliance Team ''. So, I went in person to the place where I made the transfer and the man at the counter had the same issue with the office over the phone for A WHOLE HOUR only to be told at the very end " the sender needs to call and cancel the transaction to get a refund, we can't change the name ''. So, I'm currently calling them to cancel the transaction and am being ignored on hold. I want my money back, this is some kind of a scam. I called the company several times over this issue and nothing has been fixed. HELP ME. This was my grandmother 's funeral money, where does Western Union get off eating funeral money??? Someone fix it.
Product: Credit reporting or other personal consumer reports

I mailed in a bankruptcy dispute letter on XX/XX/24 in which the delivery was confirmed. this account is in violation of 15 usc 1681b it is being reported without permissible purpose my information was obtained under false pretenses which is a violation of 15 usc 1681q You possess my information without permission to use it which is a violation of 15 usc 1028a aggrevated identity theft i also have a court letter and a pacer letter that confirms they did not verify this information with any consumers and all information must be verified and confirmed
Product: Credit reporting or other personal consumer reports

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX  XXXX Bankruptcy Case Number : XXXX Delete this account. 
XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : 1608 Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

I NOTICED FRADULENT UNAUTHORIZED INFORMATION ON BEING REPORTED ON MY CREDIT REPORT. 
XXXX XXXX BANKRUPTCY
Product: Credit card or prepaid card

I believe I have been scammed. I respond to an internet job offer and was notified of my acceptance. 
XXXX received a XXXX  letter pack. In it was a money order for $ XXXXon XX/XX/2020. My instructions were to purchase {$800.00} XXXX and XXXX XXXX gift cards. I deposited the money order then went shopping. I discovered that XXXX XXXX was the only retail store carrying these cards. I completed the assignment. I have all receipts and photos. I sent these documents and was congratulated for my professionalism. 
The Next XXXX  XXXX  Letter Pack arrived on XX/XX/2020. This time there were three money order for $ XXXXI was asked to purchase {$2500.00} on XXXX and XXXX XXXX gift cards. The second assignment was complicated by retail stores would only sell two cards a day. I saved copies of the money orders as will as possessing the actual Gift Cards. I also have receipts as well as all correspondence. I would forward the photos and receipt. I was to receive {$500.00}. for this task. 

I discussed this situation with my family, and we found a great deal of negative comments on the internet. I checked the XXXX XXXX XXXX and Washington State Attorney General. This confirmed that I was duped into to this entire operation. 
I saved everything ; Money orders, email correspondence, photos of the gift cards front and back and the applicable receipt from these purchases. 
I must claim ignorance. I was not aware of this scam. I live on Social Security and was hoping to supplement my income. Instead, I am experience extremely XXXX. I guess you could say I fell for it. 
I am currently contacting all agencies handling fraud. 
I have filed a complaint with the Washington State Attorney General office. 
I am going to file my experience with the FTC I am going to file of complaints with the FBI Please let me now Numeric normally handles situations like this. 
This situation has me rattled. 
My information XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, WA XXXX XXXX XXXX
Product: Bank account or service

On XXXX/XXXX/XXXX I cashed a check at US Bank in XXXX, CA and found that {$100.00} was withdrawal on XXXX/XXXX/XXXX from our checking account in XXXX XXXX, CA. Fraud was committed! 
I spent 3 hours with my local branch and did not receive a resolution after talking with the chief officer, XXXX XXXX. 
The whole matter could have been resolved if she had checked my wife 's signature on file with that on the counter withdraw slip issued in XXXX XXXX on XXXX/XXXX/XXXX. 
My wife did not withdraw the {$100.00} because : 1. We live in XXXX, CA which is almost XXXX miles away from XXXX, CA. 
2. Non-stop flight time is 1.5 hours ; much longer for driving time : my wife does not drive! 
3. Scammer negotiate the withdraw around XXXX XXXX and earliest that he ( she ) would be in XXXX would be very past XXXX XXXX. 
4. We checked out at XXXX XXXX at XXXX XXXX and at XXXX at XXXX ; XXXX XXXX see receipts. 
5. We did not go to either US Bank on XXXX/XXXX/XXXX. 
5. Comparing the two signatures : fake and real : Fake : loop on XXXX is on the left ; rise from XXXX is up, slope on XXXX is slanted up ; XXXX is wrong : should be XXXX ; XXXX is run together, XXXX does not match. Real signature is the opposite. Check the enclose sample of both documents.
Product: Mortgage

A year ago we took out a mortgage with Wells Fargo. At closing, the Truth in Lending statement disclosed a monthly payment of {$1700.00}. One year later we received notice from Wells Fargo stating there was a {$5000.00} shortage in our escrow account that would need to be paid, as well as our monthly payment would be increased to {$2200.00} We reviewed all mortgage documents, and found that Wells Fargo made an error on the Truth in Lending statement in regards to our taxes. We contacted Wells Fargo in an attempt to resolve this situation. After 2 months of review, they ultimately admitted they made a mistake, they covered the {$5000.00} escrow shortage, but said we are still responsible for the higher mortgage payment, which amounts to {$480.00} more every single month for the term of the loan. We are not satisfied with this resolution, as their mistake will cause our family to have to pay an additional {$480.00} each month for the next 29 years.
Product: Debt collection

These people call from different numbers and when I call them they never address themselves. I do owe a credit card debt but I can not make any payments right now since i only work part time and I am in school. They keep calling my place of employment which is illegal and asking my co-workers personal questions about me. I need this too stop.
Product: Checking or savings account

On XX/XX/2018 at XXXX XXXX I deposited money into the Chase ATM at XXXX XXXX XXXX XXXX in XXXX, IL. I do not recall the sum personally but my reciept says that {$50.00} dollars was deposited : Deposited cash : 3 x {$10.00} 1 x {$20.00} Totaling {$50.00} On XX/XX/XXXX, a debit posted to my account for an item that was posted in error on XX/XX/XXXX. It is completely unacceptable that they took away my money. I have a receipt for this deposit and proof that this is my money. The Chase customer service line has transferred me from department to department and I spent a total of over 3 hours on the phone with them. Finally someone told me that they have to do an audit on the machine and have no time frame of how long that will take. It is unnacceptable to take my money from me when I have proof that this was my money.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
US DEPT ED XXXX {$3400.00} US DEPT ED XXXX {$2500.00} US DEPT ED XXXX {$1400.00} US DEPT ED XXXX {$7700.00} US DEPT ED XXXX {$5500.00} US DEPT ED XXXX  {$3400.00} US DEPT ED XXXX {$1600.00} US DEPT ED XXXX {$4200.00} US DEPT ED XXXX  {$4100.00} XXXX XXXX XXXX Balance : {$22000.00}
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXXJefferson capital Subject : Cease and Desist - Credit Reporting Issue Dear sunrise I am writing to formally request that you cease and desist from reporting inaccurate information regarding my credit account with Jefferson with accounts number XXXX with XXXX Being the creditor. I never had XXXX XXXXI believe that the information you have reported is incorrect, and it is damaging my creditworthiness. Specifically, the inaccuracies include not being able provide What the money you say I owe is for. 2. A detailed explanation of how you calculated what you say I owe. 3. Copies of any and all papers that prove I agreed to pay what you say I owe. 4. A verification or copy of any judgment, if applicable. 5. The identity, name, and address of the original creditor. 6. Proof that the Statute of Limitations has not expired on this account. 7. Proof that you are licensed to collect in my state. 8. Your license numbers and Registered Agent or Agent of Service. Under the Fair Credit Reporting Act, I have the right to dispute inaccuracies in my credit report. I request that you investigate this matter and correct the information. I never owned a sprint account. Please provide written confirmation of your findings within 30 days. Failure to comply with this request may result in further action to protect my rights. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I pulled my credit report and noticed I have 2 unauthorized inquiries from the following companies and demand that they be removed from my credit reports. Not only is it inaccurate because they are reporting separate dates, but per the FCRA, any inaccurate reporting information must be removed so I'm demanding the removal. 

Equifax : -XXXX  - XXXX XXXX ( inquiry from XX/XX/2020 ) XXXX  XXXX ( inquiry from XX/XX/2020 )
Product: Credit reporting or other personal consumer reports

This is not a duplicate request nor filed by a XXXX XXXX XXXX XXXX XXXX. I'm filing this CFPB complaint to request pursuant to FCRA 605B ( 15 U.S. Code 1681c2 ) that you, XXXX, TRANSUNION XXXX a consumer credit agency block information that is 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 personal credit card accounts opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX These accounts appear to be related to the aforementioned in this dispute. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aformentioned accounts, collections, and or hard inquiries as reported. The aforementioned accounts, collections, and or 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 a result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

In Accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX Account number XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B A creditor can not treat a payment on an account under an open-end consumer credit plan as late for any purpose.

15 U.S Code 1681a- Definition ; rules of construction- Exclusions. - Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act Credit Acceptance Corporation Account XXXX, has violated my rights. 

15 USC1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction 's.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, XXXX U.S.C. 1681c-, And police report. 
after number of request by me. Experian, Equifax and Transunion that had not block or remove any account report been open by identity theft. and had not fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair  Credit Reporting Act. The Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information maintained by credit bureaus
Product: Mortgage

Our Mortgage was originally with XXXXXXXX XXXX. Unfortunately there were some health issues in XXXX and XXXX that caused us to start falling behind. We requested a modification to the loan - at this time we were only 45 days past due but trying to keep up with the regular payments. XXXX XXXX started the modification process, however in the 3rd month of  our modified payment trial XXXX XXXX  sold the loan to Bayview Loan Servicing LLC. We were told by XXXX XXXX that Bayview would honor the modification. Bayview did NOT. We started this process in XXXX of XXXX with XXXX XXXX  As of today XX/XX/XXXX the modification is not complete with Bayview. We are making our modified payment to Bayview on time each month yet we are told that there is one thing or another preventing the modification. The latest challenge has been the home equity loan we have on the house, Bayview needed the credit union to subordinate the title. We spoke with the Credit union and they sent the required document list to Bayview in XXXX of XXXX. As of this date XX/XX/XXXX Bayview has yet to send the correct documents to the credit union to finalize the modification. The fear now is that all the money we sent to Bayview that was put in suspense will be eaten by fees and charges rather than going towards the loan. We have requested a transaction report several times but have received nothing. I am attaching a detailed timeline of events document to this complaint as it is too large to type into the window provided.