23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XXXX stole my wallet. He then created a fake check of XXXX $ and pretending to be me went into a bank of america teller 3 times atm 2 times and cashed it in my checking account. I had just a few dollars in it at the time. It bounced but he was able to get XXXX $ out of b of a being me. Well i tried to fight it. I went to my branch spoke to mgr and she said to call fraud department 2hrs pater she told me to call the bad check dept. 2 hrs later still at b of a. I got nowhere. She and the people on the phone treated me like a criminal victimizing twice. 
They reported me to XXXX XXXX  and XXXX  as fraud. Closed ckg and savings down. Ive never been able to open either account types since. I was forced to use XXXX  cards whose bz practices are shady causing much more theft as they dont have live people at branches to descern verifying face to face. And practise fraudulant holding funds ( interest they get on my money ) for weeks sometimes i wasnt able to access my money left from theft. Im filing on XXXX after this. I want to tyke a polygragh to prove innocence. I need standard bank for any loans so denied. No car no house no bz nothing i can leverage without accnt. I keep hoping to be cleared of this but noones helping. The damages and colateral damages are over 3 million after 4 .5 years. 
I said to roll archive tapes he isnt me. Hes 2inches taller less 35 lbs. Please help clearing my name
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and equifax has refused to take car loan off my credit report after I have proved it was fraud and identity theft
Product: Money transfer, virtual currency, or money service

XX/XX/23 through XX/XX/23 someone ( or multiple people ) have been using my bank card. It is a Wisely card that has been given to me through my agency I am employed with. Most transactions were through XXXX. The bank is XXXX XXXX bank. Different names were showing under these transactions : XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. {$1200.00} is the exact amount that was taken in increments of {$1.00}, {$2.00}, {$5.00}, {$10.00}, {$20.00} multiple times. They made small transactions that led to larger ones as shown in my transaction history. I am currently awaiting the paperwork that shows every transaction from the customer service department at Wisely. I have a case number open : XXXX. Any additional information needed, please contact asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continuously reported two accounts as inaccurate on my credit report with XXXX XXXX who I do not KNOW whatsoever! I have disputed these accounts and the company has absolutely ignored me continuously! I have received absolutely no proof nor have I have received a response at ALL! This is ILLEGAL per FCRA and FDCPA regulations! This company will not respond to any letters I have sent! I am considering litigation at this point, although I prefer not to, theyre leaving me no choice and I must do what is in my best interest. The first point of contact with this company was on XX/XX/21 and I have yet to hear from them!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXy showed up on my report as a new open account on XX/XX/XXXX with a delinquency. I have attempted to contact the company with no response via mail and phone. If the company bought old debt from another company they are not showing correct delinquency dates and the amount is higher than closed off account. This company is reporting as a brand new debt that is not correct. If it was bought from another company the delinquency date should be XX/XX/XXXX with XXXX XXXX  with a closed date of XX/XX/XXXX and a balance of {$720.00} XXXX XXXX XXXX has a new open date and delinquent date as XX/XX/XXXXXXXX XXXX  with a balance of {$1100.00}. I have submitted disputes with all 3 reporting companies. Changing the delinquency date and additional amount are both violations of Fair Debt Collections. Also, I am a south Carolina resident and S.C. has a 3 year statue of limitations on these types of loans.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX  Number XXXX
Product: Credit reporting or other personal consumer reports

i have several inquiries on my credit report that are not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$600.00} XXXX  XXXX XXXX Balance : {$190.00} XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX  XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Vehicle loan or lease

I was in desperate need of a vehicle and credit acceptance gave me a loan for a 2011 vehicle. My payments were over {$400.00} a month and I could not afford to keep up with these payments. My car was repossessed and as a result my credit isnt bad standing. I no longer have a vehicle as a result it has lowered my quality of life.
Product: Bank account or service

I received a letter from Wells Fargo regarding my online account access on XXXX XXXX, 2016. My accounts at Wells Fargo were losed and I do not have any online account access. I do not trust my information or reords were safe or up to date with the bank.
Product: Student loan

Since XX/XX/XXXX I have been attempting to connect with MOHELA education servicer for direct loans. I keep getting informational messages for extended periods of time. They also do not not answer and say they cant locate my information but I am calling to discuss something else. When speaking with agents they give false information.
Product: Credit card or prepaid card

As of today, XX/XX/19 ( XXXX time zone ) my credit card balance, on both the Citi mobile app and the Citi automated phone system, reflect a recently made payment. However, my card was denied due to the balance of my card being over my credit limit. When I called Citi and spoke with a representative, they explained that while the payment was received on XX/XX/19, the payment has not been posted. In order to expedite the payment posting, I will need to coordinate a third-party verification between my bank and Citi, or wait until the hold is lifted in a few days. This is most inconvenient as I made the payment a week in advance of traveling internationally with the expectation of being able to use the credit card. Additionally, my bank is not open on the weekends, and I will have to wait approximately 36 hours from now to resolve this issue myself by coordinating a call between my bank and Citi. This is outrageous. Citis inability to accurately portray my credit card balance is the definition of an unfair, deceptive, act or practice, as all information provided by Citi reflects that the payment has been made and credited towards my outstanding balance.
Product: Checking or savings account

I am a XXXX  mother and a minority owner of a business that I founded in XXXX. The journey has been one of determination and hard work. However, the challenges that came with the XXXX pandemic hit my business hard. In the past year, I've found myself in an ongoing struggle to keep the business afloat, facing numerous obstacles along the way. 

As a result of these difficulties, my business account has been teetering on the edge, maintaining an average monthly balance between {$1000.00} and {$2000.00}. Last month, unfortunately, my account dipped below the required limit, resulting in the imposition of two fees totaling {$72.00}. While {$72.00} might not appear substantial to some, for individuals like me, facing economic uncertainties, every dollar counts, particularly during these trying times. 

Hoping for a resolution, I contacted PNC Bank to discuss the possibility of a fee refund. Regrettably, their response was not as empathetic as I had hoped. The situation highlights the unfairness that many individuals encounter in their interactions with financial institutions. Often, we find ourselves in positions where we are not fully informed about avoiding overdraft fees or utilizing available alerts that could help us sidestep such financial setbacks. 

It's my belief that financial institutions should take greater responsibility in ensuring their customers ' financial well-being. They should provide transparent information on how to prevent these fees and offer clear guidance on setting up alerts to prevent inadvertent overdrafts. Such practices would foster a more supportive and mutually beneficial relationship between banks and their customers, especially during these challenging times. 

I understand the crucial role that the CFPB plays, which is why I felt compelled to express my concern. I am hopeful for a timely resolution to address the issue at hand. 

Thank you!
Product: Credit reporting or other personal consumer reports

On XXXX and again on XXXX I XXXX XXXX sent a letter with proof notifying the bureaus of fraudulent, incorrect, unknown, and obvious violations reported on my credit report. It has been over 30 days later and I have not received a resolution yet towards these violations. I feel like i am being wrongly treated and ignored of my disputes. I believe failure to look into these items within 30 days and the ignoring of obvious FCRA Violations that I clearly pointed out in my correspondence gives a reason to quickly remove those items from my credit report. it has been over 30 days so they should be deleted promptly. I demand these accounts be delete immediately or I will file for a case due to the stress you caused me. My information was also impacted by the XXXX and XXXX XXXX data breaches and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. Please provide the original instrument of indebtedness, the method of verification, validation of debt. 

All communication and verification documents should shared through the CFPB portal and I don't want to see information will sent you through US mail. Upload those document through and mail. 

U S DEPT OF ED/XXXX/XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX There needs be physical verification of these accounts they are not mine!
Product: Credit card

Made a purchase on XX/XX/XXXX for {$1900.00}, the store representative forgot to apply the correct promotional rate. Called Citi Bank was advised to return to the store to redo the transaction. Bestbuy processed an incorrect refund to rectify this issue. Bestbuy refunded {$1500.00} on XX/XX/XXXX and recharged {$1700.00} at XXXX percent interest. I was under the impression the issue was resolved although the amounts didn't add up. I received a letter from CitiBank on XX/XX/XXXX stating they accidentally applied interest to my purchase and were rectifying the issue that I thought was resolved. They added a balance of {$1900.00} to my credit card account, with the correct XXXX percent rate. Additionally, they refunded me {$1700.00} to offset the charge that was made {$1700.00} on XX/XX/XXXX. The actual issue is I was charged {$1900.00} and only refunded {$1500.00} therefor I am owed {$480.00}. I have invested many hours, phone calls, cases and disputes to rectify this issue and I have gotten nowhere. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A.states I have the right to privacy.

15 U.S.C 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish a account without written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$1800.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX
Product: Payday loan, title loan, personal loan, or advance loan

2020 I took out a loan at TitleMax on my truck Ive been paying it and I always pay it on time the amount that I taken out was {$2000.00} Ive been making a payment of {$160.00} a month. I always make a payment of XXXX sometimes {$200.00} and the interest is 25 % a month I just made a payment of {$180.00} Today I was told a couple of months ago that XXXX XXXX XXXX XXXX by my husband being in the military I was not able to have an account with them and they That I would not be charged interest. which I dont understand that the interest is 25 % and down I always make the payment on time that XXXX is still there all I am trying to do is pay the loan off. I have tried plenty of times to call the company and every time I call and talk to someone they always say that if I pay a little more it will come down but I have always paid over in the year and XXXX of their employees were always telling me to keep making a little bit more payments on it every month and I will see income tax and the payments will change but the more I put on the payments it does not change it always stay the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. Ive already included this in my previous Complaint & I am including it again., 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing regarding a credit inquiry that appears on my credit report dated XX/XX/2024 under the name of XXXX XXXX. I would like to inform you that I did not authorize this inquiry and I am formally requesting that it be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

The FCRA stipulates that credit reporting agencies may only include inquiries that have been authorized by the consumer. Since I did not provide consent for this inquiry, I am requesting that you remove it from my report and provide written confirmation once the removal has been completed. 

Please treat this matter with urgency. I appreciate your attention and look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

Innovis is violating my rights under the Fair Credit Reporting Act. Innovis is reporting adverse items on my XXXX XXXX XXXX  account without my permission which is a direct violation of 15 USC 1681 C ( a ) ( 5 ) which states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Innovis is reporting late days on my credit report for this account. This reporting is clearly adverse and being reported without my permission, which is against the law. Innovis is also reporting a {$8100.00} charge off which according to the IRS publication 4681, a charge off is considered income and may not be reported as debt. The account has been charged off as witnessed by the report. 15 U.S. Code 1681 ( e ) states, Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. Innovis does not maintain reasonable procedures. 
Any and all consent to Innovis and XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked.15 U.S.C. 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless-the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXXXXXX XXXX XXXXXXXX never informed me of my right to exercise my nondisclosure option. 
According to the Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ) states There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I am the consumer, and Innovis is the reporting agency and I have the right to make sure that my private information isnt shared and is backed by 15 USC 6801, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX is a financial institution, by definition, under that title. 15 USC 1681 section 604 ( a ) section 2 states that In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX the financial institution, and Innovis, the consumer reporting agency, DO NOT have my consent to furnish this information and they surely DO NOT have my written consent.

12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services for this account and ALL FUTURE ACCOUNTS.
Product: Credit reporting or other personal consumer reports

I included all names and addresses. Phone numbers are no longer valid or never valid and names are fraudulent. My full name is XXXX XXXX XXXX and report fraud on any other names used. There may be fraudulent credit accounts but this company does not provide the information freely but reports wrong information and doesn't honor my disputes on incorrect personal information. I have provided proof of identification.

Thank you for you support. I want a full investigation on TransUnion and it's practices and policies.
Product: Debt collection

I have documentation to provide showing proof this was paid. I want it off my credit report, Im just not sure how to go about getting that taken care of.
Product: Mortgage

On XX/XX/XXXX LoanCare , LLC did an escrow analysis on my acct which showed a surplus in the amount of XXXX. As of XX/XX/XXXX the company still has not released my surplus. 

I have made several phone calls and have been told that nobody in Escrow takes phone calls. I have been told several times that this issue is being escalated and someone will call me back within 24 hours. I have yet to speak to anybody that can resolve the issue. 

I was also told on XX/XX/XXXX that on XX/XX/XXXX the company decided that they need to re review the escrow since the surplus was so large and that is why they had not done the refund.