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

I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Product: Checking or savings account

On XX/XX/2021, an unauthorized wire transfer was made both from my Checking Account and My Savings account from Citibank. On XX/XX/XXXX, as soon as I realized money was taken from my account I contacted the bank by phone and went in person to the bank. The bank told me the name of the person the wire transfer was made to. I then also filed a police report. USD XXXX were taken from my checking account and USD XXXX were taken from my savings account. This is very unusual activity in my account, I don't understand how the bank authorized this transaction. After I warned the bank of the wire transfer, I filed out an affidavit and to my surprise, the bank took over 1 week to submit my affidavit to the bank 's fraud department, even though I made various requests that my situation be solved quickly. It was the beginning of the month and I had deposited all of my payments into the bank. All bills were dated to be paid, including my rent and other bills. I didn't even have any money to put gas in my car to get to work. The bank did not provide me with ANY support, they left me without any money. Interestingly enough, the bank decided to offer me a LOAN with an extremely high interest rate, since they argued that my checking account was new. The account was only new because they had to close the older one due to the unauthorized wire transfer. I had the other account for almost 10 years. Still to this day, the situation is not resolved, and it's been 23 days and I urgently need my money back to my account.
Product: Credit card or prepaid card

Money was taken out of my account. I have no idea what this website is but it is called XXXX and Ive never heard or used this website. They have took out multiple amounts of money such as {$3.00}, {$7.00}, {$1.00}, and even {$17.00}. It has now put my account into overdraft and everytime I call customer service and type in my card information it says it can not pull up my account. This all happened XX/XX/2018 this morning. I had over {$100.00} in my account and its all gone now. This website is in a different language and somewhere in XXXX. Please help me get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since year XXXX, and year XXXX XXXX. 

I have made numerous requests with legal documentation provided to have Equifax LLC change and update my legal name on my credit report. The full name that appears is inaccurate.

Equifax LLC has refused to acknowledge and/or make requested change. Equifax LLC credit reporting agency continues to report wrong and inaccurate information about me and has caused loss and difficulty in obtaining credit and mortgage loans because of reported inaccuracies.
Product: Mortgage

On XX/XX/XXXXXXXX, I sold my home at XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX. The purposes of this complaint are to : ( 1 ) request that LoanCare send my Form 1099 and/or other correct tax documents to me at my home address by XX/XX/XXXX so that I can file my Federal and state taxes for Tax Year XXXX as soon as possible and ( 2 ) to inform LoanCare of my change of address. My new home address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. My old home address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. My apartment number changed from XXXX XXXX to XXXX XXXX. Thanks for responding to my previous CFPB complaints. Upon receipt of my tax documents, this will be my final CFPB complaint. I filed this complaint because LoanCare 's customer service department does not respond to my requests for information in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal delicate information is being reported to unauthorized third parties without my consent. I have not provided written instructions on how to display my personal information which is a violation of my privacy. I DO NOT want my personal information such as my payment history and balance reported to any credit reporting agency. I know my rights and you are in violation of them and if this information is not removed I will proceed with legal action for the violations and I will receive compensation for my time, legal fees and the violations. Remove the highest balance payment history and the balance history, as this is my private information that you are not authorized to give to any third party without my consent and instructions. Remove Immediately. 

Account # XXXX Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to remove my fraud alert and consumer statement, I have been unable to view my credit, a copy of my ID, social security and utility bill is attach. Please remove it permanently. Thank you.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- XXXX UNAUTHORIZED INQUIRIES : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Experian investigations always come back verified but does not explain the process of how information was obtained.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by XXXX Transunion, and XXXX. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XX/XX/year>, I submitted a dispute to XXXX Transunion, and XXXX regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : XXXX. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ). 
XXXX. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests. 
XXXX. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Product: Mortgage

Bank of America is purposely saying i 'm not sending in the required documentation for a home loan modification. I have sent XXXX by XXXX and i made copies of what they requested. I am not going to keep wasting money and gas mailing them the same things over and over again. They are doing this on purpose so they can continue to add the late payments. Bank of america did this to me last time where i took 2 years to get them to lower my payment. They are giving me the run around they keep mailing me saying they do n't have the required documentation. This is causing me real undue distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed information with a third party reporting agency lexis nexis that was not able to verify or validate public records information. The company removed most of the unverified information in XXXX on my consumer report but not with the bureaus. As investigations continued none of the reported information could be verified and it was completely removed from my consumer report. The company has sent me proof of the removal but has not removed the information from the bureaus even after multiple disputes surpassing the 30 day investigation time. I have tried on numerous occasions to contact lexis nexis to get a resolution from the manual disputes they entered to the bureaus via electronic reporting but, always placed on a dead hold for an extended amount of time with no person on the line but call still intacted.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding an issue I have encountered with Experian, XXXX and XXXX. Specifically, I have not received a proper method of verification regarding several disputed items on my credit report which include XXXX, XXXX XXXX, XXXX and XXXX that are on my XXXX credit report. I have also asked for my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) on this Santander Account that was put on my credit report, I also asked Experian, XXXX and XXXX credit bureau to provide me with the date of first delinquency, the FCRA compliance date and the name of the party who reported the date of first delinquency on XX/XX/year> and have not gotten a response. Despite my formal request Im not getting any results. On XX/XX/year> I got an email from Experian stating, We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. Which to me doesn't make sense because I sent a dispute letter that was accepted with the same address and telephone number. I believe they are trying to stall. On XX/XX/year> I got another email from XXXX stating, It's been five days since we received your dispute and were still waiting for a response from your creditor ( s ). Well continue to keep you updated on this status. I didn't request a dispute. I requested a Method Of Verification for these claims on my credit report. I also haven't gotten a response from XXXX about my consumer disclosure request for this alleged debt by the creditor XXXX. XXXX has failed to provide the requested details within the legally required timeframe. 
This lack of responses undermines my ability to ensure the accuracy of my credit report and violates my rights under the FCRA. I am seeking your assistance to investigate this matter and hold the credit bureau ( s ) accountable for their non-compliance. Please let me know if you require additional details or documentation to proceed with this complaint. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Ohio XXXX
Product: Student loan

Naviet changed rates, loan types, & interest rates without notification. The payment suggested to me is impossible to pay. Naviet suggested that I defer them which increased the interest amount on a monthly basis
Product: Credit card or prepaid card

Two fraudulent credit card accounts have been opened with my social security number at Capital One. I have had this confirmed through multiple departments at Capital One. Upon being transferred to their fraud department I have been told that they can not confirm this or verify any information, and that they can not help me. Despite the fact that I have already verified through other departments that there are multiple fraudulent credit cards issued with my information by their company.
Product: Checking or savings account

On or about XX/XX/XXXX and XX/XX/XXXX I received text alert for unauthorized transaction on my Chime checking account ending in XXXX. See attached. Because the transactions from XXXX XXXX were questioned by Chime how was the account debited? These transaction processed repetitively. As a result my balance of {$200.00} was reduced which prevented a incoming ach transfer for XXXX to XXXX XXXX. See attached. This negligence has caused consequential damages for the declined transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have filed disputes with the credit reporting agency and it has been well over 30 days with no response in also filing 30 day demand to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

I have submitted personal information disputes with the credit bureaus on XX/XX/2022 and am still waiting on Experian to update my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX is reporting inaccurate information to all three credit bureaus for XXXX XXXX XXXX. The company is reporting the wrong balance, past due amount, last reported, date of last active, and date of last activity. This is a violation. I have disputed this information several time starting with XX/XX/2021. I have attached my first letter.
Product: Credit reporting or other personal consumer reports

I discovered an unauthorized Target XXXX account was fraudulently opened in my name. After an investigation, Target confirmed the account was opened fraudulently, closed the account, and removed the balance. They also notified the national credit bureaus to remove the account from my credit report. 

However, despite this confirmation, XXXX continues to report the account with negative remarks such as " charged off '' and " account closed by credit grantor. '' I have disputed this multiple times with XXXX, providing them with documentation, including the official fraud confirmation letter from Target. Despite my efforts, the account remains on my report, negatively impacting my credit. 

Attached is the letter from Target confirming the fraud and their request to remove it from my credit report. 

Thank you for your prompt attention to this matter.
Product: Mortgage

We have tried to obtain a modification from Wells Fargo and have been denied 5 times in the last few years. We paid our mortgage for 7 years before falling behind this last time. We worked with a Home Preservationist ( XXXX XXXX ) who indicated that we did n't have to keep making payments ; that at the end of the process all the past due would be put at the end of the loan. ( Please see documents at end of email to explain situation ) Please note the last statement we received indicate we were behind 13 payments of XXXX and the form dated XXXX/XXXX/XXXX states that the payment was {$980.00} and going to XXXX starting XXXX/XXXX/XXXX, which is not here yet. Also, after all we have gone through they are raising our payment and our interest rate! 
We want to keep our home and I have written to the CEO of Wells Fargo via email at least 3 times and he may have referred my inquiry to someone, but he did not answer me at all. I also spoke with a home preservationist recently ( XXXX XXXX ) who stated " some mortgages are not worth saving and maybe it is time to move on ) We have been fighting for almost 2 years and we do n't want to move on - if we did we would n't be fighting so hard.
Product: Payday loan, title loan, personal loan, or advance loan

I am not aware of these loans, these were not opened nor applied for by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USED MY PHOTO ID AND SOCIAL TO OPEN THIS FRAUDULENT XXXX XXXX XXXX XXXX  I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Money transfer, virtual currency, or money service

Went to Bank of America on XXXX XXXX XXXX NC on XXXX-19 to cash a check written from a BOFA member to me and was told that they would not cash check unless i opened a bank account with them ... .This was told to me by the intern branch manager XXXX XXXX XXXX 
I told them that i did not want to open a account and that i just wanted to cash a check that was issued by their bank ... ..I was promptly told that if i did not open a account that i would have to leave and they did not honor check that was written to me ....

Can you please tell me if this is even Legal? 
Seams to be a predatory type of banking to me ... 
Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the 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 ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( XXXX XXXX XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 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. '' ( XXXX XXXX XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of XXXX XXXX XXXX  reporting services. XXXX XXXX XXXX is also a third party debt collector that I have not contracted with ever. Therefore they have no right to try and collect a debt from me.
Product: Debt collection

On XX/XX/2021 NATIONAL CREDIT SYST was removed my credit report however, it was added back XX/XX/2021. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions. Requirements relating to reinsertion of previously deleted material. Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Please furnish me with copies of any and all such certification. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification, this is a serious violation of the FCRA, and I reserve the right to pursue further action. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. Please furnish me with the required statements and data.
Product: Debt collection

Credit Management LP, Diverified Adjustment and XXXXXXXX XXXX XXXX are attempting to collect debt that I dont owe to them. I sent a. Identity theft report and still no response. Ive asked to send me proof of debt like a signature or contract that I know they cant proof because I never did business with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am soon to be in the market to purchase a home. I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. XXXX {$220.00} XXXX XXXXXXXX {$21000.00} XXXX   XXXX {$25000.00} DEPTEDXXXX   XXXX {$15000.00} DEPTEDXXXX  XXXX {$1100.00} DEPTEDXXXX  XXXX {$5500.00} DEPTEDXXXX XXXX {$250.00} DEPTEDXXXX   XXXX {$3200.00} DEPTEDXXXX  XXXX {$3500.00} DEPTEDXXXX  XXXX {$1000.00} DEPTEDXXXX  XXXX {$3500.00}