23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I would like to notify the credit bureaus once more that I was the victim of identity theft. Additionally, I would like theseitems stemming from the claimed identity theft to be removed off my credit file. Credit Bureaus are obligated to remove any items specified in Identity Theft in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). Here is the list of things I wanted to remove once more! 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX Balance XXXX {$5000.00} XXXX XXXXXXXX Balance : {$470.00}
Product: Checking or savings account

The banker told me I failed to qualify because the bank 's web page did not apply the correct code when my account was created ( I clicked " Enroll today '' on the web page saved to a pdf ). I kept a copy of the web page and the link I used to create the bank account. It has been uploaded below. The banker, XXXX, still told me I am wrong and refuses to credit my account the {$450.00} I earned by meeting all of the bank 's requirements. I asked if there were any alternatives for me other than to file a complaint with the CPFB ; XXXX said no, there were no other alternatives available at this point.
Product: Mortgage

I was working with my mortgage company to do a cash out refi on our existing home. We signed documents on XX/XX/XXXX at a title company locally as required by Texas law. On XX/XX/XXXX the loan still had not funded, even though we had passed our 3 day right of recision period. At that time we received an email from Solidifi Title asking for new signatures on a closing disclosure that we had already signed at the in person closing. They wanted original signatures which werent possible since we dont have a printer/scanner. I asked for guidance on another solution and did not receive response until the following day. On XX/XX/XXXX, I received an email asking for wiring and bank account numbers for the funding account as the account had a different set of wiring instructions than what is on the check. I tried calling the individual, and the phone was not working. I responded via email that I would not provide account information via email as its not secure. I called the mortgage broker at XXXXXXXX XXXX to also inform them of the problem. XXXX was very helpful and worked to get my updated information to the closer. The loan did not fund my account until the following Monday XX/XX/XXXX. My payoff of the old mortgage should have occurred on XX/XX/XXXX, but did not occur until XX/XX/XXXX. This cost delay cost me 5 days worth of per diem on the old mortgage which should have been returned to me, interest on my cash out that would have been sitting in an interest bearing account, and I believe extra days on per diem on my new mortgage. I am beyond frustrated with the actions of this title company and their incompetence.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : 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. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XXXX of XXXX Ive noticed a hard inquiry was reported to TransUnion on my credit report. I got a notification on my phone from XXXX XXXX indicating that I applied for some type of credit on XX/XX/22 which I did not applied for anything at all on that day or any other day. The company name is XXXX XXXX XXXX XXXXXXXX I Looked up that company and I placed a call but they prompted me for my information and a referral number which I did not have, so I told them that my name or information was used by them so they told me to repot it to the credit report agency which I had done.. XXXX XXXX XXXX XXXX  could not give me any information unless I gave them all my information which I do not feel safe on doing to a company I do not know anything about and why and how they had my information in the first place.. so Im reporting this to have that hard inquiry removed from my credit report and to find out what I can do to have my personal information removed from certain companies or third parties companies and keep my personal information safe? However I did have all 3 credit report agencies freeze my accounts but I dont think that its enough to keep my identity safe. Thank you
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against the three major credit bureaus - Equifax, XXXX, and XXXX - for their failure to guarantee the accuracy and completeness of my credit report, as required by the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Federal Trade Commission ( FTC ), and United States Code 15.

According to the FCRA, Section 607 ( b ) ( 1 ), " A consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Furthermore, the FTC emphasizes the importance of accurate credit reporting and states, " Credit reporting companies must investigate the items in question- usually within 30 days - unless they consider your dispute frivolous. '' The FDCPA also plays a crucial role in protecting consumers from inaccurate credit reporting by prohibiting unfair and deceptive debt collection practices.

Despite these legal obligations, I have discovered multiple inaccuracies and discrepancies in my credit report, which can have severe consequences on my financial well-being. As a consumer, I have the right to ensure that my credit report is correct, exact, and free of all inaccuracies.

I would like to bring your attention to the following disputed items on my credit report : [ Disputed Item 1 ] : XXXX XXXX Bank # XXXX Identity theft victim. 
[ Disputed Item XXXX ] : XXXX XXXX XXXX XXXX # XXXX Identity theft victim. 
[ Disputed Item XXXX ] : XXXX  XXXX XXXX # XXXX Identity theft victim. 
[ Disputed Item XXXX ] : XXXX XXXX XXXX # XXXX Identity theft victim. 
[ Disputed Item XXXX ] : XXXX XXXX XXXX # XXXX Identity theft victim. 
[ Disputed Item XXXX ] : XXXX XXXX XXXX # XXXX Identity theft victim. 
[ Disputed Item XXXX ] : XXXX XXXX XXXX XXXX XXXX Identity theft victim. 
[ Disputed Item XXXX ] : XXXX XXXX  # XXXX  Identity theft victim. 
[ Disputed Item XXXX ] : XXXX XXXX XXXX Identity theft victim. 
[ Disputed Item XXXX ] : XXXX XXXX XXXX # XXXX Identity theft victim. 

These inaccuracies not only harm my creditworthiness but also hinder my ability to obtain loans, secure housing, and enjoy fair financial opportunities. I have attempted to resolve these issues directly with the credit bureaus, but their responses have been inadequate and unsatisfactory.

In accordance with the FCRA, FDCPA, FTC, and US Code 15, I request that the CFPB investigate my complaint thoroughly and take necessary actions to ensure that the credit bureaus rectify these inaccuracies promptly. I also request that you inform me of the steps being taken to resolve this matter and provide me with a written response within the legally mandated timeframe. 
Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has been reporting entries for 7 years and 10 months as of today XX/XX/XXXX without my KNOWLEDGE or CONSENT. I have requested them to provide me with the Original signed document bearing my, " XXXX XXXX '', signature as well as the date this was signed to and agreed upon, because to this day I have no recollection of giving my signature and consent. 8 years ago I was XXXX XXXX XXXX ; I could not have signed for such an account at such a young age. If they can not provide me with here said VERY SPECIFIC ORIGINAL SIGNED DOCUMENT BEARING SIGNATURE AND DATE OF SIGNING, than they must delete this account from my credit profile. 

XXXXXXXX XXXX Account Number : XXXX Open Balance : {$2400.00} Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Date of First Delinquency : XXXX, XXXX Last Reported : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I went to a car dealership and they stated that they were only going to use one bank and I said that was fine because I had my own financing but they could beat it with one company. I find out months later that they sent my credit to a lot of people because I was getting letters saying I was either approved or didn't accept credit. I also see Hard pulls I did not authorize as well. I just want these removed because it has added a lot of Hard inquiries and has hurt my credit score hard.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : DPT EDXXXX Account Number : XXXX DPT EDXXXX Account Number : XXXX DPT EDXXXX Account Number : XXXX DPT ED/AIDV Account Number : XXXX DPT EDXXXX Account Number : XXXX DPT EDXXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Checking or savings account

Im a veteran of the united states XXXX and when i departed from the XXXX I left $ in the credit union. I had 2 accounts. I thought maybe it would draw interest. Well when i tried to access it no info found I even had a loan through them and they got me in trouble I lost my SECURITY clearance and was sent to detention. Extra duty they took my money 4 45days and took all i had. This was navy federal credit union. Then in XX/XX/XXXX or XX/XX/XXXX I opened another account to access my old account they took my taxes and cancelled the account access and closed my account.
Product: Credit card

dear Sirs for the past 3 months capital one / XXXX XXXX  cabelas have NOT mailed me a paper statement, in addition yo that issue i have charged $ $ late fees and interest on my account i have politely requested PAPER STATEMENTS to HELP me reconcile my balances with cap XXXX master card, i do NOT do portals and auto pays, all i wish for is to recieve paper statment each month and let me pay off my monthly balance as i have done for MANY MANY YEARS!! 
i pay my bills gentlemen, mail me a bill i PAY it, simple ok i have recieved texts and XXXX mails explaining my past due payments along with excessive fees 2 follow i also had a dispute in XXXX and XX/XX/year> for credits due to my acc. 
i am thankful Cap 1 MAILED me copies of their procedure, but never did get statements for past 3 to 4 months PLEASE HELP ME SOME ONE, to get issues resolved as they used to be, which was a smooth process for paying my cap one balances thank you for your effots and time, XXXX XXXX XXXX me
Product: Checking or savings account

I opened an interest checking and savings account with Citi bank online. I have a credit card with them and a closed checking account. I had to wait until I got the debit card to register my account online. When I did, I was told that I had to call. 
I called and was on the phone for an hour, literally, and talked to FIVE different people. At first they said my account was blocked but then they said it was unblocked and that I should wait 24 hrs to try to register. I didn't trust them so I waited longer. Got the same message to call and I did and they said it was STILL blocked and that I had to send them additional documentation ( different documentation than they requested the first time AND there was no mention of these documents in the welcome packet they provided which did say that there may be additional documents to be sent in but there was no docs listed ). 
I called again and talked to two different people who said that there was still a block and that they'd send a docusign link in 24 to 48 hours. 
They were able to take my {$1500.00} out of my other accounts immediately but they can't give it back and have now blocked my access to my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act outlines the rights that Identiy Theft Victims and those who believe they are victims have the RIGHT to BLOCK FRAUDLENT INFORMATION FROM THERE CREDIT REPORT AND STOP A COMPANY FROM REPORTING INFORMATION RESULTING FROM IDENTITY THEFT BLOCK AND REMOVE THESE TRANSUNION FRAUDLENT HARD INQUIRIES XXXX XXXX XX/XX/2022 TransUnion XXXX XXXX XX/XX/2022 TransUnion
Product: Mortgage

Wells Fargo my home mortgage lender refuses to provide me a copy of my 2016 payment history.I am unable to login into their online services and was told by a rep. that I " you are ineligible for online banking ''. Every payment has been on time. We have a high income, equity in our home and are professionals.I have documented my Wells Fargo calls etc. PLEASE HELP.
Product: Student loan

When attending  XXXX  school I took several private loans. I was unaware at the time but some of the interest rates were exceedingly high. At the time I was unaware and uninformed of the loan process. When I graduated the loan company began to call me constantly and consistently. I went back to school because the loan amount was too large for me to handle and thought by going back to school it would increase my income. In  XXXX , from  XXXX  to  XXXX  my account fell into a 90 day delinquency. This was due to a family issue, as well as my transitioning into a   XXXX   XXXX  . I am now aware that there could have been more constructive methods of handling this situation but at the time I did not see how it was possible. Now am I facing over a {$100000.00} in private debt alone and can not consolidate my private loans until  XXXX . I am requesting a reduction in some of interest rates mainly the ones that are 10 % and higher, with an emphasize on the loans that are currently at 15 %. I do not see how it is manageable to pay rent, a car loan, and buy groceries with this crippling debt. The lender is requesting  XXXX  dollars monthly. This seems unreasonable and with my other financial responsibilities it is something that I just can not do. My estimate gross monthly income is roughly {$2400.00}. I can not see how I could possibly make these payments and survive.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX XXXX {$480.00} XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX {$960.00} XXXX  XXXX {$380.00} XXXX XXXX XXXX {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase mortgage is reporting paid, 30days late on my credit report. the late payment was in XX/XX/XXXX. I have a court signed judgement that my exhusband XXXX XXXX is responsible for the debts of the former XXXX home located at XXXX XXXX XXXX XXXX, La. I have a judgement dated XX/XX/XXXX and XX/XX/XXXX stating this, I was not even living in the home. Please remove this late payment from my credit report and leave it on XXXX XXXX since he was responsible for this debt.
Product: Credit card

A Kohls Rewards Visa was opened on XX/XX/year> at XXXX XXXX, without my consent. I called Capital one to open an investigation
Product: Credit card or prepaid card

I filed a dispute on XX/XX/XXXX. I also called from international calling and was advised to file online. No one has contacted me regarding my " evidence '' of the events. 

I Reserved an SUV for 44 days. The SUV was a XXXX unsafe SUV whose transmission broke down and left my wife and my young kids rolling down a hill on a mountaintop and almost over a cliff. Contacted the merchant several times with no resolution and no replacement and in bad faith. I am XXXX and can't be without a car so I had to rent elsewhere as the original merchant didn't deliver services promised .The car broke down on a hill as we rolled down and almost died and when I called he told me to take a cab home with kids. 

The car that was delivered at the airport was not the car promised. I have several email threads where the merchant gave me the run around and threatened to charge me for damages that were of no fault of mine. He delivered a malfunctioning car whom the mechanic said is a result of age and mileage. 

The issue was that the transmission broke down and it was a 16 year old car that had a lot of mechanical problems. I only learned recently that it's against the law to give merchants a car that is of that age. 

He apparently has done this to many consumers as I found after I read the XXXX reviews. 

I have been a loyal customer who has never disputed anything in my life. The merchant charged XXXX dollars and then after several calls and emails by me he credited only XXXX dollars. He charged me XXXX which is an incorrect amount as the car was supposed to last me for 44 car rental days and only lasted for 9 days and broke down on the tenth day almost costing me and my familys ' life. 

Citi card has not resolved this matter and closed the case siding with the merchant after several emails, evidence, contracts and emails between myself and the merchant. I provided an immense amount of evidence and the investigator closed the case and told me to reach out to the merchant. The merchant has been uncooperative and in bad faith will not do the right thing which is why I disputed the amount. 
I was unlawfully charged by the merchant and now by CITI card XXXX 
This has caused me medical issues such as XXXX XXXX XXXX and XXXX XXXX  that has kept me up all night. 
This erroneous charge has deteriorated my health. 
The credit card company failed me and discriminated against me as I called several times and they refuse to help me. I need this matter resolved immediately. 

I emailed and called credit card dispute department on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and most recently again today XX/XX/XXXX. 

I emailed the credit card company at XXXX several times. They responded before they even read my emails. They sided with the merchant and not with a loyal and honest customer like myself. The merchant incorrectly charged for services rendered. Please look into this fraud by the merchant but more importantly from the credit card company. 

Thank You, XXXX XXXX XXXX
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 completely unacceptable and raises concerned about my account safety
Product: Student loan

Navient has my loans. My loan payment amount continue to go up by hundreds of dollars and this is really affecting my credit. Can you please help me. I tried talking to Navient and that was no help. Please help me I dont know what else to do
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXX. Account # : XXXX  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. 
15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681S-2 ( a ) ( 1 ) 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Checking or savings account

At the peak COVID, I am a XXXX. My Daily Checking Account had a low balance/ overdraft ( Minimal ) as allowed by my contract with the Bank . 
There was a XXXX loss of XXXX and I had kept the Bank informed about my issues with a promise to top up soonest possible. 
There was no response however and one fine day found that my account had been deactivated. 
I can not pay my school fees.as the fees was tied up with my Daily checking account.