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

I recently acquired a copy of my credit report and discovered that my identity has been stolen, which has deeply alarmed me. At present, I am in the midst of purchasing a home for my family, and this unfortunate incident of identity theft has had a detrimental effect on my situation. Therefore, I kindly ask for your urgent assistance in removing these deceitful accounts from my credit report. Please see attached documents
Product: Debt collection

This collection is my they called m y one time a nd confirmed, That collection belong to my father I do n't know how they got my information no body knows my social security they are stilling my identity they obtained my personal information without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was disclosed without my consent by Equifax.
Product: Credit reporting or other personal consumer reports

I did not authorize the following lenders to view my credit report and it was done without my consent. 

I am requesting the following lenders to remove the inquires from my credit report within 5 business days. 

1. Capital One Auto XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Apparently someone has my credit information. I am a XXXX XXXX  and can not drive due to the numerous amount of XXXX XXXXXXXX XXXX XXXX XXXX XXXX this year. 


Please remove within 5 business days
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I have noticed hard inquiries I do not recognize. I have contacted all 3 CRAs, and they refuse to dispute or investigate the inquiries. Attached is an FTC report indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Checking or savings account

On XX/XX/22, I received a notification from XXXX XXXX XXXX that Wells Fargo Bank verified my identity as part of a new account opening. I have not done any business with WFB for years. I notified WFB Fraud Department who opened a fraud case number XXXX. I also was able to post a fraud alert with XXXX XXXX. On XX/XX/22, I received another XXXX XXXX  alert that a new bank account was established at WFB. The alert did not specify Ckecking or Savings. I again contacted WFB who stated that they had no active accounts open under my name and told me that they would investigate.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 ACCOUNT 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 ACCOUNT listed in Identity Theft. Once again HERE ARE THE LIST OF ACCOUNT THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX
Product: Checking or savings account

Navy Federal Credit Union is supposed to protect the monies of veterans and their families however they have been holding over {$100.00} of my money for over a month! When calling I have been treated rudely, unprofessionally, hung up on and interrogated and accused like i was a criminal. I did receive a voicemail from a lady " XXXX '' ( ph # XXXX XXXX ) and although my situation is URGENT, she stated she would send me a letter. How long does that take? As a Veteran currently suffering fron XXXX, XXXX XXXX, and homelessness i would expect Navy Federal Credit Union to be more considerate and compassionate plus respectful!. I need Help! i need my money! Talking the Navy Federal Phone reps have set me back emotionally, psychologically, and i had to go to the hospital for 3 days to try to recover from the experience, Is this how you do Veterans Navy Federal Credit Union? Unacceptable!. PLEASE ... release my money today so i can continue to focus on my life ... I need help! 

XXXX XXXX XXXX disputed fee XXXX double charge XXXX XXXX never got food disputed fee XXXX XXXX XXXX unauthorized charge dispited fee XXXX XXXX XXXX fraudulent charge XXXX
Product: Credit card or prepaid card

I opened an American Express Serve account and added money with my XXXX key. However, they locked my account and I am unable to unlock it and access my money added. Therefore, I want to close my account and withdraw all the money. I have attached my XXXX transaction records to prove all the transactions are legit and through my own account.
Product: Money transfer, virtual currency, or money service

i've been locked out of my Robinhood account for a while. Today i attempted to sign on and follow the instructions off the web " How Do I contact Robin support '' would not let me, IMPOSSIBLE!!. I tried to go through the APP as instructed, ABSOLUTELY NOT able to complete. Sends you in a loop.!! I signed in with my whole soc security number. they scanned my face, and i took a pic of front and back of driver ; s licence. I attempted to reach out through a chat. absouly a no go. The system just takes you in a loop, demanding the same info. Then I look up phone numberXXXX The phone number listed from the web, and guest what? Its telling you that this is the only number you can reach us by and to only contact them via Chat or through the App. and I cant contact them with any. Its a big loop. PLease help I am loosing my mind with the lack of customer service that help special situations. 
it instructs you to
Product: Debt collection

Applied for personal loan was approved not Im forced to pay twice with crazy interest.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I pulled my credit report in preparation for a mortgage application and discovered several accounts fraudulently opened in my name. Since then, I have taken multiple steps to resolve this issue, including disputing these accounts with the credit bureaus, debt collectors, and the original creditors. I have sent certified letters to all parties involved, but they have failed to rectify the situation and have not provided adequate documentation within the required legal timeframe. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), ** credit reporting agencies are required to investigate disputes regarding the accuracy of any item in a consumers file within 30 days of receiving the dispute. The credit bureaus involved have failed to meet this obligation, as they have not properly investigated or removed these fraudulent accounts. Additionally, under Section 609 ( e ) ( 15 U.S.C. 1681g ( e ) ), when an identity theft report is filed, I have the right to request all information related to the fraudulent accounts. This has not been adequately provided. 

The accounts in dispute are : XXXX XXXX XXXX Account # XXXX ) opened on XX/XX/XXXX with a balance of {$3600.00}, XXXX XXXX XXXX Account # XXXX ) opened on XX/XX/XXXX with a balance of {$160.00}, XXXX XXXX XXXX Account XXXX XXXX ) opened on XX/XX/XXXX with a balance of {$580.00}, XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ) reported as opened on XX/XX/XXXX with a balance of {$1700.00}, Collection account from XXXX XXXX XXXX ( Account XXXX XXXX ) with a balance of {$890.00}. The original creditor is XXXX XXXX, Collection account from XXXX XXXX XXXX  ( Account # XXXX ) with a balance of {$5300.00}. The original creditor is XXXX XXXX, and XXXX ( Account # XXXX ) opened on XX/XX/XXXX with a balance of {$5200.00} I have also submitted an FTC Identity Theft Report regarding these fraudulent accounts, which further strengthens my case under Section 605B ( 15 U.S.C. 1681c-2 ), which requires the credit bureaus to block the reporting of fraudulent information once the identity theft report is provided.

Furthermore, the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ) ( 15 U.S.C. 1692g ( b ) ), mandates that debt collectors must cease collection activity until the disputed debt is verified. Despite my certified letters, the debt collectors involved have failed to provide adequate verification of the debts within the required timeframe.

Given that both the credit reporting agencies and the debt collectors have not complied with these legal obligations, I am requesting that these accounts be removed from my credit report immediately. 

All relevant documentation, including my FTC Identity Theft Report, is attached to this submission.
Product: Checking or savings account

Greetings on or about XX/XX/XXXX i transfered XXXX from my main bank to XXXX XXXX to chime. XX/XX/XXXX, XX/XX/XXXX, XXXX deposit my benefits XXXX a week into my account i used the XXXX i had deposited for business travel expenses I canceled my reservation and was refund XXXX. XX/XX/XXXX chime closed my account with no valid reason and refused to send my money back to XXXX and to send my refund. I have XXXX issue so its affecting my bills them taking and refusing to send my money.
Product: Debt collection

XXXX from Genesis Credit Management has contacted multiple non-immediate family members and informed them of a debt. XXXX also left the debt information on a voice mail.
Product: Debt collection

I have been receiving numerous calls from Midland Credit, they are looking for someone else, not me for over a month. sometimes it is automated and they just ring the phone, I called them back XXXX times and asked them to take off my number, calls keep coming. Today I spoke to a person that said he would remove it from the automated calls and now the manual calls have begun.
Product: Bank account or service

On XX/XX/XXXX I responded to a flyer mailed to me by Citibank and offering me {$400.00} if I would deposit minimum of {$15000.00} into a new checking OR savings account and leave it for four months. You were to qualify for the {$400.00} in the first 30 days, and then leave the account alone for 90 additional days to be able to retrieve your money. I did that at the XXXX Branch in XXXX. CA. on XX/XX/XXXX and on XX/XX/XXXX I should have had the {$400.00} available to me to withdraw if I wanted to. It is now almost a month later, XX/XX/XXXX, and no money. No {$400.00}. I was told I was the only one at this Citibank branch that had this problem and last week they opened an " investigation ''. I went to the bank for a 2nd time today and was told that the investigation response came back that I did n't qualify because I did n't open a checking account.. The same guy, XXXX, helped me today that opened up the account. I told him that he knows the flyer said either/or, and had it stipulated both, I would have opened both but it did n't so I did n't. He agreed and said he was going to keep working on it and get me my {$400.00}. Then he said something odd : He said I could take the money out but leave my account opened while the investigation is continuing. I told him, 'yeah, I can just see it now. I take my money out and you come back later and say I do n't qualify because I took my money out, even after the promotional deadline passed. '' No thanks, I want the money put in my account immediately. He said he was going to call the branch manager in XXXX in XXXX but I called for her and she 's on vacation this week. This is a scam and a fraud. I do n't believe for a second I 'm the only one with this problem and I have since found others online that have been scammed by Citibank with the very same promotion. I 'm a XXXX school XXXX and I 'm NOT going to stand for this. Please contact me at XXXX. XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I have submitted a complaint with the three credit bureau well over 30 days ago and have yet to receive any correspondence back from them and this has caused me great hardship, i want to get this resolved asap so I can move on with my life...
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about the consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. 
Further, I certity that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S C. 1001.

Additionally, these misstatements are punishable as perjury under 18 U.S. C. 1621. This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money, and, was successful in creating some accounts. All is being invessigated by the FTC account XXXX XXXX Account info Account number XXXX Date opened XX/XX/XXXX Account type Open account Status - Status updated XX/XX/XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXXXXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX this account is reporting to XXXX and XXXX only ( its not on my XXXX account )
Product: Mortgage

Hello, Regarding our attempts to modify our mortgage with Greentree/Ditech over the past, almost 2 years. 

*in late XXXX, we began working towards a modification *after almost a year, full of lost papers and constant resending of documents, we were approved for a trial modification in XXXX XXXX *we made trial payments, per their instructions, in XXXX, XXXX, and XXXX of XXXX XXXX XXXX, there was no communication. 
*after repeated calls from us, we made a payments in XXXX and XXXX. 
*rec 'd a letter in XXXX stating we no longer would be able to modify due to not returning documents? 
*attempted to contact the rep on the letter referenced above, but no answer and no return call after leaving numerous messages *last message I left stated I would not continue payments until we could figure out what was going on. 
*continued to reach out in XXXX - no replies *drafted a letter to Ditech in XXXX XXXX responded in XXXX, stating they would review my inquiry, and get back to us in 30 days *In XXXX, another letter was sent by Ditech, basically saying our situation was still being reviewed *In XXXX, we rec 'd a letter from and attorney stating he was authorized to begin foreclosure proceedings *sent a letter on XXXX XXXX in response ( as requested on the attorneys notice ) with copies of the correspondences with Ditech *No response *Homeowners policy renewal payment of {$370.00} sent by me on XXXX - check was returned to us *Called my ns agent who stated policy was paid in full by the lender - we have always paid ourselves? 

So, it is now XXXX, and I 'm fearful that these people never had any real interest in working with us, and foreclosure is imminent. 
My wife and I worked diligently to save our home, but it just does not seem to matter.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation. Reinvestigate this account : Account name : XXXX XXXX # XXXX Despite previous attempts to resolve this matter directly, I believe there are unresolved discrepancies that warrant further investigation by your agency. 
I kindly request that the Consumer Financial Protection Bureau conduct a thorough reinvestigation into this matter to ensure that all relevant information is considered and that any errors or discrepancies are rectified promptly. Please provide all documentation stating lawfully that this would effect my credit or hinder me from obtaining any credit.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account XXXX  XXXX  XXXX XXXX date opened XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem is with Equifax and I have tried to contact them for almost two years to correct information and unfortunately I have no success with this company. Recently, on XX/XX/XXXX, they asked me for documents, letters and ect. to verify my identity I sent them again for two previous years sending them to try to solve this problem and even having the documents they requested letters and the. correct information speaking with the correct representatives with supervisors they still tell me that I have to wait and keep waiting to update my information and to have access to my credit information something that seems impossible to me and with a lot of disrespect they simply tell you you have to wait. How much time should I wait to see my information? My credit report is my right. Something is being violated. Please, I need help. I need to use my credit. This is affecting my life and my chances of growing and my job.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report XXXX XXXX and XXXX XXXX accounts as DEROGATORY AND COLLECTION/CHARGEOFF when these accounts have been settled aND PAID. The account status and payment status should reflect PAID AS AGREED AND PAID AND CLOSED. I have disputed this issue with the CFPB and still have not received any help. Equifax continues to violate the law and violate my consumer right to have the accounts reported correctly. I have attached yet again a current copy of the credit report direct from Equifax which shows they are incorrectly reporting these XXXX accounts as derogatory when they should reflect current and paid. I am now forced to hire a consumer attorney and sue the credit bureaus to fix this matter.
Product: Credit reporting or other personal consumer reports

My account with creditors 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 in those account 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.

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, credit repair services, or other personal consumer reports

Multiple addresses on credit report, I verified my current and only address, for all others are undeliverable and must be removed as per FCRA. Mailed in copy of state issued driver license, and bank statement with my current and ONLY address. All three credit bureaus still have multiple addresses on my credit report and all 3 have different addresses? 
Many of these addresses, I have not lived there? Furthermore there are XXXX different XXXX XXXX that resides in a XXXX miles radius here in XXXX, Tx. 
! I have ONE social security number, ONE drivers license, ONE address, ONE birth certificate, everything matches??! Why do I have multiple ADDRESSES on my credit report?, you can only claim ONE address for your place of residence in Texas its the LAW. My credit report is no different? I have mailed ( certified ) letters to all 3 bureaus and they still refuse to correct these fraudulent errors, on my credit report, my next course of action is to file a lawsuit in small claims court against all 3 bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoke with XXXX a supervisor at XXXX XXXX today, at XXXX XXXX est. she agreed that the information was not associated with my credit report and still refused to have the inquiry removed. Why does a debt collection company do hard inquiries in the first place? The inquiry took place on XXXX XXXX, 2016