23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

PayPal/XXXX  told me on XX/XX/XXXX that they cancelled my {$20.00} a month recurring transaction to XXXX ( but they actually cancelled the {$35.00} a month one ). However, I asked them to confirm this on XX/XX/XXXX, and they cancelled my {$20.00} a month transaction too! XXXX then told me she couldn't reinstate the {$35.00} a month donation! XXXX only needed to see the monthly amount transactions and he would have been able to properly cancel the right one and saved us hours of time!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is willingly and knowingly, disobeying the credit laws at their own benefit and discretion. Equifax has remained to stand against my disputes requesting that they remove these three fraudulent student loan accounts. It has been months since i've first initiated a fraud dispute and i've gotten little to no responses with no verification or clarification how they can say the accounts in question belong to me. There's no way that they could have proved this during any type of investigation when i have never had any relationship with these creditors, never had college loans, i've never shared any personal info with these creditors or anything. I was never notified that these items were in anyway, somehow verified and i was never presented with any verification evidence. I was sent letters by the creditor US DEPT EDU in respondence to my disputes with their own verification departments, and the creditor deemed activities were fraudulent and unverifiable, not being my responsibility. I am just now sending these confirmation documents to Equifax through faxing and i am including CFPB to oversight this exchange online, so i can feel more confident that all will be done appropriately and correctly. I ask Equifax to do their jobs and remove this creditor from my credit profile immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have XXXX XXXX  XXXX new unauthorized inquiries on my report asking for immediate removal
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been permanently opted out of receiving credit and insurance offers, which I completed several years ago, through the opt out provided by the FCRA and CFPB. Unfortunately, Experian is ignoring my permanent opt out status, and continues to supply my personal and credit information to credit and insurance agencies. I have confirmation that Experian was the credit agency responsible for providing these two companies with my information, illegally. 
I have tried, multiple times, both verbally and in writing, to contact Experian but have received no response concerning this matter. I am unsure why this credit agency is engaging in illegal activity, but I would hope that this business would be aware enough to follow the current federal statutes on this topic and begin to abide by the law.
Product: Credit reporting or other personal consumer reports

XXXX AND TRANS UNION CREDIT AGENCIES is displaying an account from XXXX XXXX on my credit report. However, this account and balance do not belong to me. I have already sent a letter from XXXX XXXX requesting that the account be deleted, but XXXX has not yet corrected my credit report. XXXX XXXX has also sent a letter but my credit file has not been corrected yet. 
I HAVE ATTACHED AGAIN THE LETTER DIRECTLY FROM XXXX ADVISING THEY HAE SENT LETTER FOR REMOVAL AFTER RESEARCH
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent XXXX, Equifax and XXXX XXXX certified letters concerning XXXX XXXX XXXXXXXX credit card XXXX XXXX XXXX Credit card, and XXXX Bank credit card, and they refuse to delete accounts from my credit reports I am the victim of identity theft these cards DO NOT BELONG TO ME!!! and under the FCRA they must delete especially!!!! Equifax!! I want you to investigate them they are reporting fraud on my credit report I want them Stopped!!!!! I need you to send all XXXX  credit agencies letters ....
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : XXXX XXXX XXXX Reported : XXXX XXXX, 2020 + {$850.00} Closed XXXX   Reported : XXXX. XXXX, 2020 + {$0.00} Closed XXXX XXXX XXXX XXXX Reported : XXXX XXXX, 2020 + {$0.00} Closed XXXX XXXX XXXX XXXX XXXX  XXXX Last reported XX/XX/, 2020 AND INQUIRIES As required by FACTA and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit and discovered 4 open accounts XXXX XXXX XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX  collection. These accounts haven been open without my permission I have no relationship with any of these companies.
Product: Checking or savings account

A unauthorized Chime account was opened under my name in TX on XX/XX/22. I live in FL, I am the victim of identity theft and fraud. My XXXX business account was hacked and changed to a Chime account, I do my banking with XXXX XXXX XXXX. I was unable to login into my own account because they set their email up and erased mine. On XX/XX/22 I was finally able to get an XXXX support person to unlink the Chime account. I received an email in my spam folder from Chime advising that my card was on the way, a card that was unauthorized. I called Chime on XX/XX/22 and advised it was a fraudulent account opened in my name and to close it. It took me years of calling Chime to finally obtain a copy of this fraudulent account showing that the money was deposited and stolen. Chime advises that there are no transactions on the account? I can not get an answer to anything, no matter how many times I call. 

The first deposit was on XX/XX/22 for {$4000.00} into this Chime account. There was a transfer of {$2000.00} made on XXXX to a XXXX XXXX on XX/XX/22 a charge was made for {$1000.00} at XXXX XXXX in XXXX TX. On XX/XX/22 another transaction went to XXXX supercenter in XXXX TX. XX/XX/22 an ATM withdrawal happened in the amount of {$400.00}. Another deposit was made from my XXXX business account in the amount of {$1700.00} on XX/XX/22. XXXX transaction TX on XX/XX/22 for {$1000.00} and another for {$790.00} in TX, which brought the account to {$0.00}.
Product: Credit reporting or other personal consumer reports

As per the FCRA as a federally protected consumer, I am now opting out of any and all authorization related to my consumer information as protected under the Fair Credit Reporting Act ( FCRA ), specifically referenced in 15 USC 6802.

As a federally protected consumer, I am exercising my rights to control the disclosure and use of my nonpublic personal information. 

Entities Involved : XXXX, EXPERIAN, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, This request applies to any and all written, unwritten, verbal, and non-verbal authorizations provided to you. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this matter.
Product: Money transfer, virtual currency, or money service

In using Zelle I was scammed and was unable to get my money back. This has happened on multiple instances and Zelle was no help. Some amounts were larger than others
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX requested Experian to investigate and then re-investigate XXXX XXXX XXXX Account number XXXX which shows charge off on my report for over 2 years. I requested that because the amount is over {$600.00} and NO 1099c was given since any " Canceled debt '' over {$600.00} according to The IRS canceled debt is to be reported as income and no longer able to be claimed as debt. Canceled debt must be reported as taxable income and filed through Form 1099-C.

If the canceled amount is {$600.00} or more, then an individual is required to file with the IRS. In addition to this violation Experian continuously reports CO  from XXXX of XXXX  to present essentially re-setting the CO date each and every month. All of these INACURACIES are adversely affecting my credit report and ability to obtain new credit. I called Experian and requested INFORMATION pertaining to this issue ONLY and was told that they could NOT provide ANY information on who and what was used to legitimatize this investigation and re-investigation. I spoke with many representatives at Experian on XXXX XXXX only to end up talking to a Manager named XXXX on the same day about XXXX who ultimately informed me the only thing he could do is dispute the matter again. I argued that I do NOT wish to be flagged as a frivolous disputing person since I have already disputed the account several times and that Experian 's Investigation and Re-Investigation would have proved with the factual evidence and by law should be removed from credit profile had it been investigated properly in the first time. I exhausted all my abilities to rectify the issue with Experian which included the request to speak to a legal dept, other managers or higher up managers via phone and or email to which XXXX declined and ultimately hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX # : XXXX is lost/stolen, and all the transactions on the account is fraudulent and unauthorized transactions. I have never used my XXXX XXXX.
Product: Mortgage

I am writing to follow up on a previous complaint I submitted against Selene concerning their illegal foreclosure actions on my mortgage. I have recently discovered a fee of {$1100.00} categorized under " late fees '' and " other charges '' on my mortgage statement. As my mortgage is a VA loan, it should not incur any late fees.

Despite my efforts to obtain an explanation and request the removal of these fees, I have not received a satisfactory response. I suspect these charges may be related to foreclosure legal fees, even though the foreclosure was initiated illegally due to the company 's failure to properly credit my mortgage payments. Since then, my home has been removed from foreclosure status.

Additionally, I have received letters from the company stating that my mortgage is in default due to these unexplained charges. Based on my previous experiences, I believe Selene. Finance iss engaging in predatory practices designed to delay responses and attempt to possess my home. 

I am requesting a thorough investigation into these charges. If they are indeed related to the prior illegal foreclosure, I demand that all fees be removed. Furthermore, I request confirmation that these fees have been eliminated from my account.
Product: Checking or savings account

there has been an error occured by bank not noticing a fraudulant withdraw by a unknown source from my acount in the amount of {$13000.00} plus has been withdrawn by an unknown person which bank of america did not notice this fruaudulant activity on my acount and it is the bank of americas fualt by not noticiting this fraudulant activity on my acount and therefore bank of america refuses to return and/or credit my acount with this fund amount that was taken out illegaly fruadulanty and unathorized from my bank acoount even though i tried many times to resolve this issue with bank of america need to have bank of america return this fund to my bank acount and credit my bank acount with this stolen fund from my bank acount.
Product: Debt collection

First of all I got a letter in the mail from XXXX XXXX stating they are a debt collector and that I owed XXXX {$150.00}. It gave an address, phone number, and ways to pay. My XXXX account is good and I owe nothing. I read through and looked at he letter more and something seemed fishy. So I went online to research this company and immediately came across hundreds of complaints about this company being a scam and when people call they ask for your social security number even after giving them the account number they have on the letter. The other people stated they are identity thieves and want your social security to steal. They are a theft ring.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX, XXXX XXXX Balance {$1600.00} XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX  Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX  Inquiry Date 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 XXXXXXXX Date of Inquiry : XXXX XXXX  Date of Inquiry : XXXX XXXX XXXX XXXX XXXX  Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX  Date of Inquiry : XXXX XXXX XXXX  Date of Inquiry XXXX XXXX XXXX XXXX of Inquiry : XXXX XXXX Inquiry Date XXXX
Product: Credit reporting

I have presented an Afidavit from XXXX XXXX XXXX XXXX regarding an erroneously reported {$1300.00} State Tax Lien that simply states that the lien should never have been posted and has officially been deleted from their records. In addition, the court asks that all credit bureaus remove the lien in the public record 's section as it never should have been picked up the bureaus. Both XXXX and XXXX immediately removed the lien and my scores rose close to XXXX points. Equifax refuses to comply, refuses to escalate my calls, emails, and mail to a supervisory level and refuses to offer an explanation or afford my wife or I the opportunity to discuss. I have also filed a complaint against Equifax with XXXX XXXX XXXX, Chairman of the XXXX XXXX. Equifax 's XXXX Mortgage Score XXXX is below my mortgage loan threshold so I 've had to personally spend my IRA money to finish my retirement home after 40 years of XXXX. Equifax 's refusal to comply with the XXXX XXXX of XXXX XXXX will cost me more than {$2.00} XXXX of my life 's savings and IRA. Their ability to negatively affect any US citizen 's life without any accountability is unacceptable. In my opinion, the laws regarding the for profit credit bureaus need to be changed and Equitable should lose their right to issue credit ratings. Essentially, they are ignoring the court 's request, for no valid reason, and seriously affecting my life. They seem to be going out of their way to destroy my finances ... because they can.
Product: Student loan

I took out a XXXX XXXX loan for my daughter that was supposed to be deferred until she graduates next year. I currently already have other student loans being paid to Fed Loan Servicing and those are automatic payments. Soon after I took the loans out I became ill and had to have a relative take over my finances. Seeing that I was already paying Fed Loan Servicing it was assumed it was being paid and never questioned until I received a collections notice for the loan and it shows on my credit report as defaulted. 
The loan was supposed to have been in deferment so it is unknown how it defaulted. 
I tried contacting Fed Loan Servicing and they claim they have no information except that the loan was once there but they transferred it to " XXXX '' and they gave me the phone number of XXXX and I was told I needed to call Fed Loan Servicing back at XXXX as I would have to get the information from them, they also advised me to speak to a manager. I spoke to a manager was told there is absolutely nothing they can do for me and can give me no information. 
Furthermore as I had mentioned above, I have other accounts with Fed Loan Serviceing that is an automatic payment for the minimum amount that they take out every month. I don't understand why it wasn't added as the others are all lumped together. 
More questions they are unwilling to answer.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several item to be inaccurate. Under 12 U.S. Code 1681a ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general it, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer. An item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on results of the reinvestigation, and ( a ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance Owed : {$80.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$470.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$60.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXXXXXX Balance Owed : {$180.00} XXXX XXXXXXXX Balance Owed : {$32000.00} XXXX XXXX Bankruptcy Dismissed Date Filed/Reported XX/XX/XXXX Reference # 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 Bankruptcy Dismissed Date Filed/Reported XX/XX/XXXX Reference # XXXX XXXX XXXX  Bankruptcy Dismissed Date Filed/Reported XX/XX/XXXX Reference # XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. 

Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. 

As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days.

The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. 
My credit report contains fraudulent INQUIRIES that are not associated with me. 

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 

In addition, I request the immediate removal of the following fraudulent INQUIRIES from my credit report. 

XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX