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

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Every time they call I inform them I only want to be contacted by mail and my ONLY source of income is SSDI And I'm XXXX them I hang up as they usually are yelling in the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received several notifications about for a hard inquiries on my credit report which to the best of my knowledge was not initiated by me. I did however contact these companies to resolve this issue and also filed a report for investigation with the credit bureaus but this has gone unsolved. The hard inquiries are still on my credit profile and has made my score go down greatly and I still haven't been heard. Both XXXX  and XXXX  are reporting inquiries on my file differently.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX attempt to notify you that I am a victim of identity theft and I'm sending a complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. These items are unknown to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) CREDIT BUREAUS is required by law to remove any items which are found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$69.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1200.00} ; XXXX Inquiry Date XX/XX/2021 ; XXXX XXXX XXXX Inquiry Date XX/XX/2021 XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/2021 ; XXXX XXXX Inquiry Date XX/XX/202XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2021 ; XXXXXXXX XXXX XXXXXXXX Inquiry XXXX XX/XX/2021 ; XXXX Inquiry Date XX/XX/2021 ; XXXX XXXX Inquiry Date XX/XX/2021 ; XXXX XXXX Inquiry Date XX/XX/2021 ; XXXX XXXX  Inquiry Date XX/XX/2021 ; XXXX XXXX Inquiry Date XX/XX/2021 ; XXXX XXXX XXXX Inquiry Date XX/XX/2021 ; XXXX XXXX XXXX Date XX/XX/2021 ; XXXX XXXX XXXX Inquiry Date XX/XX/2021 ; XXXX XXXX XXXX Date XX/XX/2021 ; XXXX Inquiry XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX  Inquiry XXXX XX/XX/2021 XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2021 ; XXXX XXXX Inquiry XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date XX/XX/2021 ; XXXX XXXX XXXX  Inquiry XXXX XX/XX/2021 XXXX
Product: Student loan

I submitted a refund request for {$8800.00} via phone call on XXXX. The rep stated the refund will take 120-180 days to process anf I was looking at XXXX or XXXX of XXXX as a timeline. Today I created a chat to verify the request was submitted, then asked for a timeline for both the new balance to reflect on my account and an eta for the refund and was told " we do not know that official timeline right now ''. I asked for an estimated time and was told " we can not provide estimates since it depends on the Department of Education 's process ''. 

My complaints are : 1. I need the new balance to be reflected on my account before the end of the year, which gives more than 90 days for account processing. This amount of time seems to be more than enough for other federal student loan servicers, just not Edfinancial. 

I qualify for {$20000.00} forgiveness since I am a XXXX XXXX recipient. I fear if the new balance is not reflected, the {$8800.00} will not be forgiven by the Government, because only my current balance of {$11000.00} is showing up on my account. 

2. The whole point of the refund program is to help families that have immediate financial needs, providing a refund in an estimated 4-6 months does not help. I need an official eta from EdFinancial so I can determine if I can look forward to this refund in a timely manner, or if I need to take out a personal loan to cover my financial obligations. 

There are thousands of forums on XXXX, XXXX, XXXX XXXX etc., about how poorly EdFinancial is handling these request. This is unacceptable and if it results in my loan not being forgiven, I will expect EdFinancial to forgive the balance.
Product: Credit reporting or other personal consumer reports

Over the past 5 years, I've been trying to dispute incorrect information that the reporting agencies are posting on my credit report. Ive never authorise the businesses that are posting debt item on my report, I've never conducted business with or ever communicated them with them. And each time I report to Equifax and XXXX they further post falsified information and report these items as new. I feel thru violating my rights, protection to privacy of my sensitive information and allowing falsified information on my report.
Product: Checking or savings account

on XX/XX/2019 a transaction on my debit card was disputed due to fraud. Bank of America initially credited my account but now is reversing the credited amount in dispute. I did not authorize the original transaction nor do I know who is using my identity and personal information to make purchases. Seeking assistance. 

Claim ID # XXXX Amount {$1400.00}
Product: Debt collection

According to 15 1692c ( 0 ) law clearly States a consumer notifies a debt collector the consumer refuses to pay a debt debt collector must cease all communication.

I am writing to request a debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g. | recently received a communication from your company regarding an alleged debt. I am exercising my right to request a verification and validation of this debt.

1- send me a detailed list of history payments 2- I want to see a signature that I have put on a contract guarantee that I would pay this creditors.

3- Im asking to see has there been any insurance claims found on this debt.

4- I want proof you have the chain of titles to collect on this debt.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I am trying to get my free annual credit report. Equifax is the only one that wont let me access online. I have sent in my I'd and social security card in with the proper information and they always say they cant identify my info. I have tried this 4 times. They tell me to do the same thing over and over which I do. Then when i do that they say the same thing saying they cant identify me. This problem has been going on for 4 months and i am beyond frustrated and in desperate need of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit card company   XXXX   XXXX   had a dispute on resolve yet alleged compliant solve spoke to   XXXX   at corporate office send duplicate bills with rearrange sub totals rearange debt don, t match purchases deposit and payments attached memo indicating deposit to established secure card does not appear on statement and it should appear in the the day to day balance, also unauthorized withdrawal from account after payment was made reported payment history as late in  XXXX   2017  to credit bureau when they applied the secured deposit to balance indicated account close by me i never closed account they issued card ending  XXXX  with out my consent to offset balance when request fro breakdown on how deposit was apply from to month when was open no statement for   XX/XX/XXXX  or e nding balance statement to  XXXX  this matter has not been resolve please contact me for further detail  XXXX   XXXX   XXXX  duplicate statement send does not match original statement this account has never receive late payments u indicate payment receive were late let see bank transmittal for payment from bank to bank this account never been late on payments you have not resolve this matter this matter  XXXX  open with all not mentioned forthwith
Product: Credit reporting or other personal consumer reports

In regards to : XXXX & XXXX ( all accounts ) I asked for the contact information specifically whom, when, and how you verified the account as reporting accurate and didn't get it. On top of that I asked you to fix things that were 100 % incorrect just between the 3 agencies alone. For example ( as I sent in the mail ) the date of last activity is wrong between experian and XXXX my balance is reflecting on XXXX but is completely XXXX on Experian. The c/o status is even reported way more times via Experian then XXXX which is another violation in itsself. The above law states after numerous attempts if an account is still inaccurate IT MUST BE DELETED ( You are now in violation of Law 15 usc 1681 Treatment of inaccurate/verifable info section 5A. ). You are harming me and my credit journey, my livley hood, my children 's lives because nothing can be done without great credit now and days. I asked you to verify and fix things and you changed nothing to be 100 % correct. We are all human please act as such! I fell on hard times I kept contact with the bank they even sent me to collections so not only was the debt paid/an asset to the company they kept the negitive account open AND the collections account for 0 reason. It is your job to hold the company accountable and you guys get paid for subprime borrowers horrible scores and I understand everything is about money but you guys are wrong this time!! I request my 1099 and I demand a deletion within 48 hours of this notice, 24 from the notarized one in the mail..whichever is first. I asked for a pay to delete MONTHS AGO and was told " it's paid '' numerous times. Now I will not even engage in that option.
Product: Money transfer, virtual currency, or money service

The Treasury/IRS sent {$1400.00} stimulus money to my Wells fargo checking account XXXX on XX/XX/2021. Wells still has not credited my account. I would take this directly to OCC but they say their site is down ( possibly inundated with Wells complaints ). 
Thank you, XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I've made numerous attempts to get a billing statement and welcome packet. 

When I got the loan I was told there would be a way to see my billing statements online, there is not. I can make payments online through an online portal, but there is no way to view " my current balance '' Portal link : XXXX However, this online portal does not appear to be a secured system for logging too. ( A person only needs your email, zip, and account number- NO PASSWORD? ) Im extremely frustrated with this company, as today when I called ( like every other day I've called ) they validated my address and have make no indication that the address in their system wrong until today. Something I ask on numerous other calls and requests. 

I'm concerned this company 's methods are NOT in line with federal and/or state requirements.
Product: Mortgage

I began a home loan application with Navy Federal Credit Union ( NFCU ) on XX/XX/2023. I was already pre-approved, and had received conditional approval from their underwriting department. In order to move forward with final approval, NFCU needed proof of an insurance policy, home appraisal, and to conduct a final review of all the documents. Per my contract, NFCU needed to provide me with a final answer about financing by XX/XX/XXXX. 

Both the insurance policy and appraisal report were submitted to NFCU on XX/XX/XXXX and our file was sent to underwriting for a final review. We were told underwriting generally takes XXXX to respond. 

On XX/XX/XXXX I received and signed the closing disclosure documents and was even told there would be no problem closing earlier than our contract stipulated. 

Since then, NFCU has been unable to provide us with a final answer about financing. They have continued to ask for information that was previously submitted to be submitted again, asked for these documents one document at a time, and waited XXXX to give a response to only request more documentation they already had. We consistently wait XXXX to hear back despite providing all documentation the same day it was requested. 

Per my contract with the seller, NFCU must provide an answer about financing by XX/XX/XXXX. According to my last conversation with our loan officer, NFCU " hopes '' to have a better answer for us by XX/XX/XXXX. This date will fail to meet the deadlines stipulated in the contract, and unless the seller is willing to grant an extension, I will lose my escrow deposit and possibly the house. 

Despite asking for an expedited review from underwriting, asking that they request all additional documentation at one time, and reminding them of the dates required by the contract, NFCU has refused to move the process along or provide a reasoning for why underwriting has been unable able to grant final approval.
Product: Debt collection

This company is a complete scam, I have a previous case opened here # XXXX, this company stated that they terminated the collection which they lied since it still appears on my credit report. I have requested this to be removed multiple times. This company never contacted me or tried to clarify this debit. This debit needs to be removed from my credit report immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

SEE ATTACHED Transunion Fraud Victim Assistance Department, XXXX XXXX XXXX, XXXX, PA XXXX Dear Transunion There is information on my consumer report that is a result of Idenity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX, XXXX BANK XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX The only name should be listed on my report is ; XXXX XXXX XXXX remove ALL other variations The only address should be listed on my report is ; XXXX XXXX XXXX XXXX XXXX la XXXX remove ALL other addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX remove ALL others There shouldnt be any employer listed as I am self employed remove ALL employers You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of this receipt of this notice. I look forward to your response. 

Thank you
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) -I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationXXXX Please delete the following accounts. XXXX XXXX XXXX Balance - XXXX XXXXXXXX XXXXXXXX XXXX Balance - XXXX XXXX XXXXXXXX XXXX  Balance - XXXX XXXX XXXXXXXX XXXX  Balance - XXXX XXXXXXXX XXXXXXXX XXXX Balance - $ XXXXXXXX XXXX XXXX XXXX Balance - $ XXXXXXXX XXXX Balance - $ XXXX XXXX XXXX  Balance - XXXX XXXXXXXX  Balance - XXXX XXXXXXXX XXXX XXXX XXXX Balance - XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance - XXXX XXXXXXXXXXXX XXXX Balance XXXX XXXX XXXXXXXXXXXX XXXX XXXX Balance - XXXX XXXXXXXX XXXXXXXX XXXX Balance - XXXX XXXXXXXXXXXX XXXX Balance - XXXX XXXX
Product: Credit reporting or other personal consumer reports

Trans union and XXXX both approved me a XXXX credit card back in XX/XX/XXXX, so I purchased a very needed hot water heater for around {$650.00}. As of XX/XX/XXXX, they decided to cancel my credit card without any notice just mailing a letter stating due to inactivity and my credit score ( which was the same in XX/XX/XXXX ). They should have never approved me in the first place, now this is ruining my credit even more. I was making payments on the credit card and my credit might isn't perfect but to do this to people who are trying and doing the right thing isn't acceptable. I could see if I wasn't paying on the card but to give a person less than 4 months. Between Transunion, XXXX and XXXX watch out they have a good scam running for those who have less than perfect credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681n. Upon reviewing my credit report, I found the following information to be inaccurate : - Account with XXXX XXXX - Account Number : XXXX XXXX and Experian are violating 15 usc 1681n for negligence and non compliance. XXXX updated and corrected the error and XXXX and Experian have not. 

According to 15 U.S.C. 1681n, any person or entity that willfully fails to comply with the FCRA is liable to the consumer for damages. I believe this inaccurate information has been included on my credit report either due to negligence or willful non-compliance, and I demand its immediate correction. 

I request that you investigate this matter, correct the disputed information, and correct it on my credit report. Additionally, I request that you provide me with a written statement confirming the changes to this inaccurate information and an updated copy of my credit report. 

Enclosed, please find copies of documents supporting my claim. These documents include highlighted inaccuracies. 
Please consider this a formal dispute and take appropriate action within the time frame required by law. Failure to correct this information promptly will leave me no choice but to seek all legal remedies available to me under 15 U.S.C. 1681n, including potential litigation. 

Thank you for your prompt attention to this matter. I expect to receive a response from you within 30 days, as required by law. 

Sincerely, XXXX XXXX
Product: Debt collection

I am a victim of identity theft. I received a debt collection letter from XXXX XXXX XXXX stating I owed money ( {$1100.00} very suspicious amount ) and the current debt owner is XXXX XXXX XXXX XXXX XXXX creditor is Citibank. I researched XXXX recovery and every single review said they were a scam. Both XXXX XXXX and XXXX XXXX say an account was opened with my name and social and they last payment date was XXXX/XXXX/11. It was first reported on XXXX after it became a time-barred debt. I asked for debt verification from XXXX XXXX ( current debt owner ) and they told me they have to get the proof first. I have called Citibank 5 times and each time they have said they ca n't find and information on an account opened with my social security number or the account number that XXXX XXXX XXXX Equities gave to me. XXXX XXXX has not provided me with debt verification and has stated that they do n't even have proof of the account and that they have to get proof before they can send it to me. Citibank has no records of this account so where is XXXX XXXX going to get proof from? It has been put on my credit report and they have not provided any date the account was opened with Citibank only the last payment date ( XXXX/XXXX/11 ) meaning it is a time-barred debt by Texas standards and I was mostly likely underage at the time the account was opened. I have filed a police report and complaint with the FTC and XXXX XXXX has not acknowledged that. They want me to fill out a fraud packet that would be providing them with all my information ( social security, drivers license number, addresses ) without them having sent me proof of the account. They also said I only had ten days to return the packet to them after I received it. I spoke with someone at the FTC and he said that there should not be a time limit especially since they have n't provided me any information. Recently the debt owner on my XXXX credit report changed to XXXX XXXX XXXX even though the account is being disputed. XXXX XXXX 's phone number is XXXX XXXX XXXX XXXX but the same address as XXXX XXXX. There are many concerning factors, so I do not trust sending all my personal information to them since neither I nor Citibank have any information on the account. They need to take this off of my credit report as it is a result of identity theft and they do n't have any proof and/or are unwilling to send me proof of the account. They also need to take it off because I was underage.
Product: Money transfer, virtual currency, or money service

{$10000.00} has been missing for 4 days that was transfered from PayPal to XXXX. 
I transferred {$10000.00} from Paypal to my account at XXXX ( XXXX XXXX, XXXX, PA branch ) and I paid extra ( {$10.00} ) for instant transfer at XXXX pacific time, XXXX EST on XX/XX/XXXX. Today, XX/XX/XXXX, 4 days later the money has not arrived and is lost. I made 3 phone-calls to PayPal and they assured me the money left their bank on XXXX XX/XX/XXXX, claiming it is XXXX 's problem, I made 3 phone-calls to XXXX and they claim they never received the money. I made 4 subsequent transfers from sales from PayPal to XXXX ( all smaller amounts, less than {$1000.00} ), did not pay the 1 % or {$10.00} fee for instant transfer, and all of these arrived at the bank the same or the next day. My {$10000.00} is missing and still lost, PayPal claims they send it 4 days ago, XXXX claims they never received it.