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

XX/XX/XXXX is the final date to communicate with XXXX regarding the incorrect information they are reporting. They need more time to rectify these inaccuracies, and I feel they are neglecting their responsibility to ensure my information is accurate. 

I have already experienced identity theft within the last year when someone used my identity to rent an apartment and to establish services with XXXX XXXX. This situation has significantly impacted my wellbeing, and I am seeking to take legal action for each instance of identity theft. 

I would like to have these issues corrected, as I feel I am not being heard. Perhaps someone with more authority can help address my concerns and ensure my information is properly removed from their records, along with providing validation for my claims.
Product: Credit reporting or other personal consumer reports

I am REWRITING to TRANSUNION to dispute inaccurate information on my credit report. 
My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, AL XXXX. My date of birth is XX/XX/year>. The FTC report number related to this complaint is XXXX. I have identified entries on my credit report that appear to be either duplicated or incorrect, and for which I did not provide authorization. As a consumer, I am entitled to have inaccurate or unverifiable information removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Please review my report and remove any entries that do not comply with the FCRA, specifically under XXXX XXXX XXXX, Section 151, which mandates accurate and verifiable reporting. I request that you address this matter promptly and provide confirmation of the resolution.
Product: Credit reporting or other personal consumer reports

In XXXX I started to have problems with my XXXX XXXX  accounts. Several times I had to change my bank cards. Then I changed my checking account three times. XXXX XXXX  did investigate and always got my money back. In some way through online banking, my information was being compromised. I changed banks. I am at XXXX XXXX. While at XXXX XXXX someone was trying to use my XXXX XXXX XXXX XXXX to get into my bank account. I have a personal and car loan with this organization. I went to the credit union closed those accounts and opened others. When I set up my checking and savings with XXXX XXXX the young man said to stop online banking. The young man set up my banking on my phone where I use my fingerprint to get in and a backup eye scan. In XX/XX/XXXX I got an email from MoneyLion about a monthly credit-building loan of {$9.00} payment a month.. the loan amount is {$500.00}. I did not pay the email any attention... A few months later I was checking my credit with the three credit bureaus and it showed delinquencies. I always pay my bills. I put in a fraud complaint a few times with the bureaus. The bureaus keep telling me it is mine. I reached out to XXXX and asked for a copy of the application. On the application dated XX/XX/XXXX was an XXXX XXXX XXXX XXXX apartment address. I moved into my home in XXXX XXXX, Maryland XX/XX/XXXX and on the application is no signature, it has my name typed. I need help because I did not fill out a application for XXXX credit building.
Product: Credit card or prepaid card

On XX/XX/2018 - I received an email from US Bank that my account was in fact in good standing and the errors with all 3 bureaus have been updated. As of today - XX/XX/XXXX - two bureaus ( XXXX and XXXX ) are both reporting that I have negative past due payments. As stated originally, these past due charges were from Fraud on the account, and they were taken care of and agreed to be fraud. This has been an ongoing issue for over a year now.
Product: Credit reporting or other personal consumer reports

I am interetsedin processing disputes for all accounts listed on my credit report. these accounts has been listed as identity theft and are reporting illegally to my credit report. this does not follow the FCRA guidelines. please review and remove all account listed to help clear my file asap.
Product: Credit reporting or other personal consumer reports

I have not authorized the creation of these accounts and believe they are potentially fraudulent
Product: Mortgage

At the end of XXXX, I closed a mortgage refinance with XXXX XXXX. The loan being refinanced was serviced by XXXX XXXX XXXX. 

After closing of the refinance but before the funds to payoff the old loan were sent, servicing of the loan was transferred to Flagstar Bank. Because of the timing, the payoff funds were sent to XXXX  XXXX XXXX. The funds were then forwarded by XXXX XXXX XXXX to Flagstar. However, Flagstar is unable to locate the payoff funds and claims they are lost. 

Here is a detailed timeline of events : XX/XX/2021 Refinance closing documents signed XX/XX/2021 Servicing of the old loan ( the one being paid off by the refinance ) was transferred to Flagstar Bank. 

XX/XX/2021 Refinance recission period ended and loan was funded. Settlement company, Title365, wired payoff funds to XXXX XXXX XXXX. Wire transfer amount : {$440000.00}. Wire transfer ID : XXXX. Wire transfer confirmation number : XXXX. 
Note that the payoff statement provided by XXXX XXXX XXXX was good through XX/XX/2021. 

XX/XX/2021 XXXX XXXX XXXX forwarded payoff funds to Flagstar Bank. Wire transfer amount : {$440000.00}. Wire transfer ID : XXXX. Wire transfer confirmation number : XXXX. 

XX/XX/2021 Contacted Flagstar Bank by phone. Customer representative created a " lost funds '' report ( ticket number XXXX ). At this time, I had not yet obtained the wire transfer ID and confirmation number from The Money Source, so I only provided the date and amount of the wire transfer to the Flagstar representative. 

XX/XX/2021 Flagstar closed the " lost funds '' report saying they could not locate the funds. 

XX/XX/2021 Received the detailed wire transfer information from XXXX XXXX XXXX over the phone. Contacted Flagstar Bank by phone again and created a new " lost funds '' report ( ticket number XXXX ). This time I was able to provide the detailed wire transfer information to the Flagstar representative. 

XX/XX/2021 Contacted Flagstar Bank by phone again. Customer representative again said they could not locate the payoff funds. It is unclear if they are still looking for them and if the " lost funds '' report has been closed.
Product: Prepaid card

I received a {$1000.00} American Express ( Amex ) gift card from a business associate in late XX/XX/XXXX. On XX/XX/XXXX, I attempted to use the card to make a purchase on XXXX Despite the balance being more than sufficient to cover the expense, the card was not accepted at checkout. 

I contacted the retailer 's help chat for assistance and was informed that XXXX does not accept this type of gift card directly. However, they advised that the card could be added to a XXXX account and used indirectly. I attempted to add the card to XXXX, but the process was declined because my name and address are not associated with the card. 

Following the instructions printed on the back of the card, I visited the provided website for help. The site confirmed the card 's balance as {$1000.00} and suggested that I use " my name and address '' for the card during transactions. However, no further guidance was provided, and the card still could not be added to XXXX. 

There is no phone number listed on the card for customer supportonly a number to check the balance. This lack of support has left me unable to use the gift card, despite it being active and loaded with funds. 

I am requesting the CFPB 's assistance in resolving this issue with American Express, ensuring that I can use the gift card as intended or receive further instructions for a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under FCRA Fair Credit Report ACT. Experian, XXXX, XXXX has failed to provide me with an Investigative Consumer Report section 15 USC 1681a ( e ) for each erroneous items located on my consumer report ; " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX'. I've submitted an FTC complaint for each company detailing the Identity Theft of Furnishing my personal information without permissible purpos

e 15 USC 1681b. I request an investigative report to determine the accuracy of t
hese accounts. Which was never received. If not received, these needs to be remove pronto.
Product: Debt collection

I'm receiving harassing emails from a company by the name of Resurgent. I have never heard of this company or done business with them. They have absolutely no rights to communicate with me on behalf of anything. Their emails are filled with profane and abusive language.
Product: Credit card

I have a file # XXXX from XXXX/XXXX/2012 XXXX Credit Report. My case is this my parents were both ill at the same time, and I was running errands for them, so my mom ordered another credit card from her credit card Sears/Citibank for me so I could get groceries and pay bills for her. When my father passed away she was still left with many bills and XXXX for awhile, she had to banckrupt, and when she did since she had ordered a new card for me, I got stuck with a bankruptcy on my credit along with my husband, I wrote to the company and they never replied. I never signed any contract with Sears/Citiban, am I still liable for this?
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 15USC 1681. 
/ :. NAVY FEDERAL CREDIT UNION ACCT NO : XXXX PLACED ON MY XXXX CREDIT REPORT. 
/ : .NAVY FEDERAL CREDIT UNION ACCT NO : XXXX PLACED ON MY XXXX CREDIT RPORT. 
/ :. NAVY FEDERAL CREDIT UNION ACCOUNT NO : XXXX PLACED ON MY XXXX CREDIT REPORT. 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. 1681 C. ( 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. 45U.S.C. 1681 S- 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: Money transfer, virtual currency, or money service

On XX/XX/2020, i tried to withdraw all {$3000.00} of my own money which i had stored onto Cash App. They suspected " unusual activity '' and Cash app locked my account saying " My account is locked and it will take 24 hours for support to contact me. However i still have access to see my balance. '' The next day which is today .. I received another email stating saying " Email Address Unlinked XXXX has been unlinked from your Cash account. If you did not request this change, please let us know. '' Now i have no access to my account or my funds, this is an extremely concerning matter and i'm left in the dark about this who situtation. Also no one from support has contacted me within the 24 hours stated. 


I've tried to contact them numerously, no response and now i'm just missing {$3000.00} in my account.
Product: Money transfer, virtual currency, or money service

I got married, so my last name changed. I was asked to verify my identity by Coinbase and submitted the required documents over XXXX times. No matter what I do Coinbase denies my verification, therefore barring access to my accounts and my money.
Product: Credit reporting or other personal consumer reports

My personal information was exposed in reference to the Equifax data breach. It is not fair to me as a federal protected consumer whose privacy has been violated. I completed a FTC report and listed all accounts that I do not recognize. I can not purchase a home because of the exposure of my personal information which includes address, date of birth, social Security Number. Every institution has a privacy notice where Equifax is supposed to protect my personal information from the publisher or where someone can obtain that type of information. 
Therefore I am demanding all the accounts listed within the FTC report to deleted from consumer report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and trans union Have struggled to take off inquires off my record Ive called over XXXX times trying to relative and fix it they are complicating things and I finally gave up and now am seeking porefsinal help
Product: Student loan

In XX/XX/XXXX we notified Cit that we were planning to file for bankruptcy, but intended to continue to make payments on the two student loans we had with them, after the bankruptcy was complete, per our lawyer, as they did not qualify for discharge. Citi did not agree to any delays in payment and immediately put the loans in default status and referred them to collections even though we had not missed any payments at that time. The first company that contacted us to collect on the loans was XXXX XXXX. We agreed to a payment plan and made all payments on time, but were never given statements or balances due after multiple requests by phone and in writing. In late XX/XX/XXXX or early XX/XX/XXXX, we received information by mail that Citi had sold our loans and we would receive further instructions from the new company. We did not receive further instructions so we continued to make payments to XXXX XXXX. Eventually XXXX XXXX stopped accepting our payments. We called several times and sent written requests for more information, including the last request that was sent via certified mail in XX/XX/XXXX. The certified letter was signed for, but no response was ever received. After not receiving any requests for payment from anybody, we contacted Citi for further instructions. Citi explained that the loans were in the process of being sold and/or reassigned to other companies. At this point we were instructed to send payment for one loan directly to Citi in XXXX XXXX, SD, and the other to XXXX XXXX, XXXX out of XXXX, FL. We then requested a payment history and current balances from Citi. We received a payment history for each loan that only went back to XX/XX/XXXX. Not only is this information incomplete since we made payments since XX/XX/XXXX ( and before the bankruptcy ), but it is also not correct. We sent exactly {$40.00} to each loan every month since the bankruptcy and that is not reflected in the short history that was provided. Lastly, we sent the amount specified by Citi ( with a copy of the letter from Citi ) to pay off one of the loans in XX/XX/XXXX, along with a request for verification that this loan had a balance due of XXXX dollars. As of today, XX/XX/XXXX, they still have not cashed this payment. We received a voicemail from Citi stating that they had questions about our request shortly after we made that payment. We have tried to contact them several times at the number given and they have not returned our phone calls or responded by mail.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of information that's on my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. This creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

I was contacted by this law firm today XXXX17 in regards to an auto accident i was in they were attempting to collect a debt due for the damages to the other person, when i returned the call to the lady XXXX she asked how i was going to pay i advised XXXX that i could not pay that amount and i would need an extensive payment plan, XXXX then stated that i need to pay her 50 % which would be XXXX then 5 % which is {$1000.00}, i advised her that i can not afford to pay that upfront but i would be happy to pay her what i can afford until the balance is settled in full, she refused to accept anything lower and then attempted to bully me over the phone and threaten me to have my license revoked into scaring me into paying money i do n't have, i then called back and requested a manager and another lady answered the phone who also became abrasive and a bully and refused to let me speak to a manager I will not be bullied by a debt collector or threatened into paying a debt.
Product: Credit reporting

I noticed on my credit report that the bureaus transunion and XXXX are reporting that Ive been late towards my XXXX credit card numerous times. Today XX/XX/XXXX, I spoke to a representative in the XXXX credit department to correct the information stated and it was confirmed to me that there has only been XXXX late payment back in XX/XX/XXXX. I am disputing that my credit report should update the proper information regarding late payments made so the courtesy to increase my credit scores can be provided
Product: Credit reporting or other personal consumer reports

I sent in letter of dispute, still no change on my report.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Experian for Failure to Correct Credit Report To Whom It May Concern, I am submitting a complaint against Experian regarding their failure to correct inaccuracies in my credit report despite my repeated notifications. I have informed them of the errors, yet they have not taken appropriate action to resolve the issue. 

1. **Failure to Investigate** : Under the Fair Credit Reporting Act ( FCRA ) Section 609, I am entitled to dispute information on my credit report. Experian is required to conduct a reasonable investigation and correct any inaccuracies. Despite my efforts, they have ignored my requests.

2. **Unauthorized Reporting** : Additionally, FCRA Section 605 ( b ) stipulates that no information can be reported on my credit profile without my consent. Experian has allowed unauthorized entries to remain on my report, which is illegal and damaging to my credit standing. 

I urge the Consumer Financial Protection Bureau ( CFPB ) to investigate XXXX practices and hold them accountable for their failure to comply with federal laws. I request that they be compelled to correct my credit report immediately. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, I would like this item immediately investigated. The inaccuracies are highly injurious to my credit score. 
XXXX XXXX XXXX  XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Please provide the name and business addresses of each individual with whom you verified the above so that I may follow up. Please send a copy of my credit report after your investigation.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$310.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1600.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1600.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$27000.00} **Inquiries** XXXX XXXX XXXX  ( XXXX ) XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX - XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX CONTACTED ME TODAY REGARDING A DEBT FROM XXXX THAT WAS A RESULT OF FRAUD ON MY ACCOUNT. THIS OCCURED XXXX  YEARS AGO. I WAS NEVER NOTFIED BY XXXX AND WASNT AWARE UNTIL I TRIED TO USE MY ACCOUNT A WHILE AFTER. I THEN CONTACTED XXXX AND TOLD THEM IT WAS A RESULT OF FRAUD. NOW XXXX YEARS LATER, I RECEIVING COLLECTION CALLS WITH ATTEMPTS TO COLLECT A DEBT THAT WAS A RESULT OF FRAUD. XXXX XXXX NOTFIED ME IN WRITING OF MY RIGHT TO DISPUTE NOR DID THEY VALIDATE THIS ACCOUNT AS REQUIRED BY THE FAIR DEBT COLLECTION PRACTICES ACT.