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

IN ACCORDANCE TO THE FAIR CREDIT REPORT ACT 15 USC 1681 602A.. I HAVE A RIGHT TO PRIVACY .... 15 USC 1681 SECTION 2 STATE CREDIT REPORTING AGENCIES CAN NOT FURNISH MY REPORT WITHOUT MY PERMISSION/// THE ACCOUNTS ON MY REPORT SHOULD BE REMOVED INCLUDING INQUIRIES WHICH WERE NOT DONE BY ME, XXXX AND XXXX CREDIT BUREAU INQUIRIES BELOW : ******FACTUAL DATA XX/XX/XXXX ***UXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ***XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXS ***XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX AND EXPERIAN ***XXXX XXXX SHOWS A XXXX BALANCE THIS CREDIT CARD WAS PAID TO A XXXX BALANCE I ASK GRACIOUSLY IN ACCORDANCE TO THE FAIR CREDIT REPORT ACT 15 USC 1681 602A.. I HAVE A RIGHT TO PRIVACY .... 15 USC 1681 SECTION 2 STATE CREDIT REPORTING AGENCIES CAN NOT FURNISH MY REPORT WITHOUT MY PERMISSION/// THE ACCOUNTS ON MY REPORT SHOULD BE REMOVED. 

***XXXX XXXX XXXXXXXX XXXX IN ACCORDANCE TO THE FAIR CREDIT REPORT ACT 15 USC 1681 602A.. I HAVE A RIGHT TO PRIVACY .... 15 USC 1681 SECTION 2 STATE CREDIT REPORTING AGENCIES CAN NOT FURNISH MY REPORT WITHOUT MY PERMISSION/// THE ACCOUNTS ON MY REPORT SHOULD BE REMOVED. 

XXXX XXXX AND EXPERIAN XXXX XXXX  CREDIT CARD AND XXXX XXXX CREDIT CARD IS MY CREDIT CARDS AND WAS PAID TO XXXX BALANCE ..THESE TWO ACCOUNTS SHOULD BE UPDATED TO PAID TO A XXXX BALANCE. **** THIS IS NOT ACCURATE ON MY REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reported the recent data breach involving millions of Americans. I went to their below website to see if I was affected. URL : https : //www.experian.comXXXX XXXX XXXX XXXX I submitted my email address and waited for their reply email as requested. It has now been three days and no reply. Today I signed up for free with Experian to contact them as I could not find any number or email. There is no email contact I could find. I found their number of XXXX. I was on hold for 13 minutes with no indication of how much longer I would be on hold. I gave up. They make it difficult to contact them.
Product: Mortgage

my loan # XXXX is with a mortgage company called MrCooper. they added over $ XXXX to my mortgage principal in 2021 without cause or explanation, have not credited some payments and have added late fees when none are applicable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following accounts on my credit report. I have reviewed my credit report and found inaccuracies that require your attention. 

XXXX XXXX - Late Payment Account XXXX XXXX - Charge Off Account XXXX XXXX - Charge Off Account XXXX XXXXXXXX - Charge Off Account XXXX XXXX - Charge Off Account XXXXXXXX XXXX XXXX  XXXX - Charge Off Account XXXX XXXX  XXXX - Charge Off Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Collection Account XXXXXXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Collection Account XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX - Collection Account XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX - Collection Account XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX - Collection Account XXXX XXXX XXXX Original XXXX : XXXX XXXX XXXX ) XXXX - Collection Account XXXX XXXXXXXX - Charge Off Account XXXXXXXX XXXX XXXXXXXX - Charge Off Account XXXX XXXXXXXX - Collection Account XXXX XXXX XXXX XXXX - Charge Off Account XXXX XXXX XXXX - Charge Off Account XXXX XXXXXXXX - Charge Off Account XXXX XXXXXXXX - Collection Account XXXX XXXXXXXX - Collection Account XXXX XXXX - Collection Account XXXX  XXXXXXXX - Collection Account XXXX  XXXX XXXX - Charge Off Account XXXXXXXX XXXX XXXX - Charge Off Account XXXX  XXXX - Collection Account According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccuracies on my credit report. I am requesting that you investigate these accounts and provide me with written proof of the validity of these accounts. 

I also request that you contact the original creditor and obtain proof that they have authorized the collection agency or credit bureau to collect on their behalf. If you can not provide me with this proof, I request that you remove these accounts from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im attaching a ftc report to my complaint I made already some one been applying using my information I have numerous inquiries that I did not apply fraud 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
Product: Credit reporting or other personal consumer reports

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

2. The following account is not mine XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. Inquiry was not authorized XXXX XXXX  Date of InquiryXXXX  Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX XXXX Date opened : XX/XX/year> Please remove it from my credit report. 

5. The following account is not mine XXXX Date opened : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/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 XXXX 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 addresses that I have never lived at before. 

These addresses were used to open accounts in my name : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX These are the accounts in my name that stems from the identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$24000.00} Enclosed is a copy of a FTC report stating the items that were opened in my name. These accounts have resulted in several fraudulent addresses appearing on my consumer FICO credit report. I've attached a list of the addresses in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent addresses. I do not recognize the aforementioned addresses as reported. The aforementioned addresses appearing on my consumer credit report maintained by you were not initiated by me. All of the aforementioned addresses are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned addresses are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint regarding inaccurate and unauthorized hard inquiries on my credit report. Despite my previous attempts to resolve this issue, including a dispute with the credit bureau, the inquiries in question remain on my report. 
Disputed Inquiry : XXXX XXXX XX/XX/year> Description of the Problem : - I have identified several unauthorized hard inquiries on my credit report. 
- I contacted the companies listed as having performed these inquiries, and they confirmed that they do not have any record of performing these inquiries and do not recognize me as a customer. 
- As a result, these inquiries are negatively affecting my credit score. 
7. Legal Basis violation the credit bureau To the FCRA : - Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report.

- The relevant sections include : - Section 611 ( 15 U.S.C. 1681i ) : Credit bureaus must investigate disputes filed by consumers.

- Section 609 ( 15 U.S.C. 1681g ) : Consumers have the right to access information in their credit reports.

- Section 604 ( 15 U.S.C. 1681b ) : Regulates the circumstances under which a credit bureau can furnish a credit report.
Product: Credit reporting or other personal consumer reports

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have been trying to close my savings account with Citi for a while now, but each time I message or call them, I get a representative that is unable to close the account for one reason or other.
Product: Money transfer, virtual currency, or money service

I've been trying to close my HSA Bank account and transfer the full balance, ~ $ XXXX, to my other HSA provider since XX/XX/2020. I was told this should complete by XX/XX/2020. 

When it did not complete by XX/XX/XXXX I called HSA Bank. They told me that they got the transfer request, but they couldn't do anything until I liquidate the investment portion and transfer it to the cash account. They told me that they can automatically restart my transfer once this is done. Note that they did not tell me about any of this willingly, I had to call in to their hotline for about 20+ minutes to find out why my transfer had not occurred. At this time, I requested that my investments be transferred to my cash account. 

Several more days pass and I notice that my transfer has still not gone through, so I call HSA Bank back. They tell me that they still cant do my transfer because they have deposited some tiny amount of money into my investment account as interest, something like {$1.00}. I request that my investment account be closed and all the money transferred. Again I confirm that HSA Bank still has everything they need to do the transfer automatically once the investment account is closed. They assure me it will go through after the investment account is completely liquidated. 

Several more days pass after my investment account is closed, and the transfer has still not gone through. When I call HSA Bank again ( remember, each attempt takes about XXXX minutes or more ) they tell me that the transfer has not been started, so I ask them again to start it. They tell me it should be done in 10 business days.

At least 2 weeks later it is XX/XX/XXXX. I see that the transfer has still not gone through. When I call HSA Bank again, they tell me that they never started a transfer. According to them, they told me during my last phone call that I need to resubmit my transfer paperwork for the transfer to start XXXX This is not true, they specifically told me that they ordered the transfer during my last phone call ). I asked again if they have the paperwork from the last transfer that they can use. They tell me yes. They tell me that an expedited transfer has been approved and that it should take place within 48 hours and that they will call me when it's completed. As of this moment, it has been almost 72 hours, still no call and no transfer.

It has been about 6 weeks and several long phone calls now. Can someone please help me get my money away from HSA Bank?
Product: Debt collection

Continued threats of legal action for a debt they will not specify. Asked for proof and clarification multiple times, asked them to not communicate with me and further until they've done so, and made clear I would file for harassment if they did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yet again a case of the credit companys not following the rules and listing accounts on my credit profile when the account was remove and then placed back on my file without proof that it is even my account this needs to stop.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be updated. 


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 XXXX  days before the payment due date.

EQUIFAX 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 XXXX  days before the payment due date and this information was requested in good faith pursuant XXXX XXXX and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Since XXXX of XXXX I have been trying to get negative information off my credit report including inquiries. Most accounts on my report are not mines/accurate. I have been trying every month since XXXX of XXXX  to contact XXXX, XXXX, and Equifax about removing negative items from my report and have not gotten any results.
Product: Checking or savings account

Today I woke up with XXXX dollars in my Bank of America account of my money.. money from an app was taken out of my account on my end thats why I only had XXXX dollars left to spent. I woke up and made a XXXX purchase at a local store. Which left me at a total of XXXX I then made a XXXX withdrawal from my account which left XXXX I then deposited XXXX and another deposit of XXXX bringing my total to XXXX XXXX mad a XXXX dollar purchase and now they are saying my balance is XXXX. And Im being charged again for something that was token out of my account already I had two representatives hang up on me one was fine and the last gave me a fake email to cooperate because they wasnt taking accountability
Product: Debt collection

I called the debt creditor and they told me they outsourced my account to a third party. However, XXXX XXXX is the third party. I called the company unisonthey outsourced, they said they could record the call but if I recorded the call they would hang up. They wouldnt give me a legitimate website or account details via mail. They demanded a $ XXXX settlement from $ XXXX. But couldnt give me a secure way to pay.
Product: Consumer Loan

I signed an agreement showing the payments and payment dates. The loan was to be paid in full with the last payment being XXXX/XXXX/16. That is what was stated on the loan agreement that I electronically signed. I checked my account on XXXX/XXXX/16 in the morning and the loan agreement on the site still stated XXXX/XXXX/16 as the last payment. By later that afternoon the agreement on the site was changed to show the last payment is XXXX/XXXX/16. They changed the agreement without my knowledge, consent or any notification. I feel this is at the least morally and ethically wrong, if not legally wrong. Can you help me?
Product: Debt collection

In XX/XX/XXXX I signed a lease with the apartment complex XXXX XXXX. I work out of town so I was in and out of the apartment for the months XX/XX/XXXX -XX/XX/XXXX. To pay the rent I would mail a money order thru the United States Postal office. During the month of XXXX I decided to pay my rent in person. When I went in my apartment everything was gone and trashed out. I then went to the apartment manager and showed her what had happen. Before I left i told the whole leasing office that i would not be there. So upon my investigation around the complex, i was alerted that the maintenance men had stolen my things. Because there was n't any forced entrance the police would not write a police report, and the leasing manager was there to witness this. Once we sat down and talked she stated if I paid my XX/XX/XXXX rent i would not be responsible for XX/XX/XXXX and XX/XX/XXXX, which my lease was up then. My deposit was kept and I paid the remanding balance of XXXX . I have pictures of my apartment trashed and of the document signed stating I did not owe anything else. Also since this incident the whole leasing office has been fired due to unprofessional conduct that where done in this company. When i tried to contact the collection agency who has the account I was hung up on and treated very rudely. The whole thing has gotten out of hand they are just very unprofessional and do not stick to their words. They keep on reporting on my credit as if it is a new account which its over 6 years old and inaccurate.
Product: Student loan

I need your help in regards to problem I continue to have with Navient Student Loan services. I have been dealing with them for several months regarding my son 's student loan that I co-signed on. Due to both of us losing our jobs in XXXX through XXXX and not being able to gain employment until XXXX, we could not pay on the student loans. This summer during the month of XXXX and XXXX I started getting calls and emails to my work number and work email address. I filed a complaint to you all and they have stop doing that. I told them I could only pay {$200.00} per month on the loans which I did in XXXX and XXXX. Three days after I made the XXXX payment, they defaulted on the loans. Then I get an email from their recovery unit about options. They started calling me again, during work hours. I sent several emails advising them of my options to pay {$200.00} per month and that calling me during work hours is not an option. There is no available time to call them after work or weekends since they only accept calls during XXXX to XXXX eastern time. I am on the XXXX time zone so those hours are either too early in the morning for me or not late enough in the evening. So I have ONLY one way of communicating with them and that is through email. I get an email today saying that I have not tried to contact them and that if I don't then they have no option but to go to the next level. Well that is a complete lie. I have contacted them SEVERAL TIMES through email. They only responded once through email telling me that the payment option I provided them was not acceptable. I don't feel that Navient wants to works this out in good faith and just going through the motion to pretend that they are. I have asked for documentation on options and they refused to give me any. They just simply ignore my emails and continue to call during hours that I am not available. I really don't understand why Consumer Financial Services or XXXX XXXX XXXX is not going after Navient. They break all debt collection regulations by calling/emailing people at their employment. They hack into businesses network to get email addresses ( that is the only way they could have gotten my work email ). I don't know what else to do. Can you guys please help.
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for a credit card with Capital One and received an instant approval with a credit limit of {$2000.00}. When trying to download the ap I noticed the account was restricted and I reached out to capital one. I was told by 3 fraud reps that Capital One made an error with my application and it was approved in error and I would receive a letter in the mail on how to proceed. No one was able to validate what error was made by Capital nor how  it could effect an account being approved. On XX/XX/XXXX I noticed that account was closed and I reached back out. I was told that Capital One accidentally linked a promotion code to my account and that the account was closed to " protect me ''. I advised that the excuse given was NOT acceptable. when applying for credit a customers profile is pulled along with income information to determine their creditworthiness. Capital One told me to reapply but its not a guarantee I will be approved. This is a poor credit practice and it is not fair to me as a consumer to be approved for a product based on my personal information imputed and then told there was an error on CO side and the account was closed. capital One still has not explained to me how a promotion code could affect my approval. As I stated an approval is based on each individual consumers person information and credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

I became a victim of ATM skimming while traveling abroad. My Cathay Bank, XXXX branch, checking and savings accounts were fraudulently withdrawn from various XXXX  XXXX XXXX ATM machines between XXXX and XX/XX/year>. My total loss is {$8500.00}, including {$130.00} in bank charges. I noticed and reported the fraudulent ATM activities to Cathay Bank after I returned from the trip on XX/XX/year>. I also reported the incident to the local police precinct in XXXX, NY, but they could not take my case as the crimes occurred overseas. I asked my sister to file a police report in XXXX on my behalf. Cathay Bank returned {$800.00} to my account on XX/XX/year>. Today, Cathay Bank informed me that they are unable to recover the rest of my stolen funds. I am missing {$7700.00}, which constitutes my entire retirement savings.