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

I recently obtained a copy of my credit report and noticed that there were these four fraudulent accounts which are hurting my credit. Please, I would like these accounts removed from my report.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit card or prepaid card

Authorized user purchased jewelry in XX/XX/2020. The cost was {$1000.00} for a " deposit. '' User did not receive the final product. She has never received the final product. 

I made a dispute with Citi and they found in the merchant 's favor. 

I wrote a letter to Citi to appeal, have not heard back. 

Willing to take merchant to court and have Citi employees as witnesses.
Product: Checking or savings account

I made a deposit of 4 money orders, with {$390.00} each over the counter on XX/XX/XXXX ( Saturday ) at the Regions XXXX XXXX  branch, XXXX GA XXXX. However, on XX/XX/XXXX it was showing one money order was declined and only three were deposited and posted onto my account. I went to the branch, asking for the reason. A lady with manager title gave me a Refer to maker notice and asked me to contact the money order issuer, XXXX XXXX to see whats going on. She refused to start an investigation. 

I spent a lot of time and paid to request a customer trail research document, and it came back saying it was declined because the money order was presented by the same bank more than one time on the same day and it was paid off upon the first attempt. It must have been the clerk who tried to cash it made a mistake. 

I went back to the XXXX XXXX on XX/XX/XXXX. Someone helped to find the image of the declined check was duplicated in the system, which means another money order was not scanned and cashed. 

If the previous manager would pay a little more effort to go through the scanned images on my first visit, I wouldnt have spent so much effort and suffered from the stress of losing my money, and I wouldn't have paid just to prove that it is a fault of some one at the Regions XXXX XXXX branch
Product: Credit reporting 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. 

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 has violated my rights . 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: Checking or savings account

I am writing to file a complaint regarding Capital Ones failure to process my paycheck deposit in a timely manner, resulting in significant financial hardship. 

On XX/XX/year>, at XXXX PM, I received an email from Capital One stating : Were working closely with our provider to resolve this issue and restore processing as quickly as possible. We expect services to gradually begin to return to normal throughout today and the majority of issues to be resolved by Friday morning. 

As of Friday morning, XX/XX/year>, the funds have still not been released into my account. This delay has caused my account to overdraft due to bills being processed without the expected deposit. 

I have attempted to resolve this issue with Capital One, but the funds remain unavailable, and I have not been provided with a specific resolution timeline. The delay is causing undue stress and financial harm, as I am incurring overdraft fees and late payment penalties. 

This situation violates my trust in the banking system and Capital Ones obligations to process deposits promptly. I respectfully request the Consumer Financial Protection Bureaus assistance in ensuring that : XXXX. My paycheck deposit is released immediately. 
XXXX. Any overdraft fees, late payment penalties, or other financial damages caused by this delay are reimbursed. 
XXXX. Capital One implements measures to prevent similar delays in the future. 

Thank you for addressing this matter promptly. I can provide additional documentation upon request, including the email I received from Capital One and records of the XXXX  charges. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

All Acccounts Have Violated My Rights Acct Name XXXX Account Name Department of Education, Acct # XXXX  XXXX, Account SSN XXXX Account Name Department of Education Acct XXXX  XXXX Account XXXX Department of Education Acct XXXX  XXXX Account Name Department of Education Acct XXXX  XXXX Account XXXX Department of Education Acct XXXX  XXXX Account XXXX Department of Education Acct XXXX  XXXX Account XXXX Department of Education Acct XXXX  XXXX Account XXXX Department of Education Acct XXXX  XXXX Account XXXX Department of Education Acct XXXX  XXXX Account XXXX Department of Education Acct XXXX XXXX Account XXXX Department of Education Acct XXXX  XXXX Account XXXX Department of Education Acct XXXX XXXX Account XXXX Department of Education Acct XXXX  XXXX Account XXXX Department of Education Acct XXXX  XXXX Account XXXX Department of Education Acct XXXX  XXXX Account XXXX Department of Education Acct XXXX  XXXX XXXX Account Name Department of Education Acct # XXXX Account SSN XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Transunion Account XXXX Department of Education Acct # XXXX Account SSN XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate.
Product: Credit card

I was recently reviewing my credit report for a loan I was applying for and found a 30 day late payment reported to my account for the month of XX/XX/year>. I am not sure how this happened because I believe I made all of my payments to you on time when I received my statements. I didnt receive my monthly statement.
Product: Credit card or prepaid card

On or around XX/XX/XXXX I signed up for a six week subscription to our local newspaper XXXX XXXX XXXX XXXX for {$29.00} -On XX/XX/XXXX I called to XXXX XXXX about an unauthorized charge for {$24.00} on my credit card, I called canceled my subscription before the end of my six week trial and requested a refund for the unauthorized charge. My paper stopped being delivered shortly after this call. I noticed a 2nd unauthorized charge for {$29.00} on XX/XX/XXXX, called again to inquire about the unauthorized charge. On XX/XX/XXXX I complained to my credit card company. My credit card company declined my claim because I could not prove that I canceled the paper. I shared that I canceled via a phone call and paper stopped being delivered.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a charged off account on my credit report. Its reporting as open, but it is charged off. 
How can a charge off account be open. 
Thats illegal.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA Section 611 ( 15 USC 1681i ), the method of verification for disputed information on a consumer 's credit report involves a " reinvestigation '' process where the consumer reporting agency must contact the original source of the information to verify its accuracy, and if the dispute is valid, update the consumer 's report accordingly, including the option to delete the disputed information XXXX XXXX  XXXX {$480.00} XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX XXXX XXXX {$9300.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX {$310.00} These credit accounts and collections are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing about a over 30 years old fraudulent student loan. I was a minor when I attended XXXX XXXX XXXX. This was a corrupt beauty school along with over 36,000 students, my information and signature has been copied and pasted on documentations without my authorized consent. I do not have any signed contracts with any collection agencies or loan services. I've contacted XXXX loan servicing about this fraudulent claim by certified mail on XX/XX/2018. Also, reported by CFPB XXXX is facing 4 lawsuits alleging that it harmed student loan borrowers throughout the repayment process. XXXX miscalculated payments, steered struggling borrowers toward multiple forbearance instead of income-driven repayment plans, and provided unclear information, etc ... I've contacted ALL 3 credit bureaus, XXXX has completely removed this from my credit report. However, XXXX and Equifax has refused to remove this fraudulent account from my report. I've submitted them with a XXXX police report # XXXX and have contacted the FTC # XXXX as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I've been a Citi customer for years now and generally have liked the card benefits and customer service response until this week. 

I had a messy divorce in the past and have been rebuilding my credit for years by chipping away at balances. Despite this I have never once missed a payment to any credit agency in my entire credit history. 

Earlier in the year my credit limit on a Diamond Preferred card Double Cash card were increased by {$500.00} each. Naturally this was great news and I was happy with the diligent response of the company. 

Fast forward to now, both cards dramatically had their credit limit decreased, one to {$700.00} below what the account was opened at, the other roughly {$300.00} below. 

I was shocked, and thought for sure something fraudulent had happened. When contacting customer service in regards to it, I was informed one of my credit accounts was delinquent causing the drop in my available credit. I took the information as to which credit reporting agency they claimed generated the information to investigate myself. 

I pulled all 3 credit reporting agency reports to be on the safe side, and found the information they had given me to be completely false. The only derogatory information was from a collections from a medical debt that had already been disputed and removed but has sense reappeared with the original information. This is one I have been fighting for 4 years now and was paid by insurance and thus is going to be disputed yet again. 

When I contacted them again to inform them, I was greeted by a lackluster rep who only offered to do a general request to increase my limit which was denied. I was never given any other specific reasons behind this. 

This incident has had a significant impact on my credit as a result, and put me back progress I had made for no reason. 

Do yourself a favor and stay away from Citi. In the end I regret ever opening a card with this company, and if it wouldn't hurt my credit score even more to close the accounts I would.
Product: Money transfer, virtual currency, or money service

We have an insurance claim and our insurance check of {$54000.00} was required to be sent to our mortgage company, Shellpoint Mortgaging to disburse the funds back to us working in conjunction with XXXX XXXX which seams as an umbrella of Shellpoint as they are both at the same address and suite number. Shellpoint uses the company XXXX XXXX to disburse those funds. On XX/XX/XXXX we were instructed by Shellpoints Loss Draft Department operated by XXXX XXXX, in order to expedite our funds in 8 to 10 business days, we needed to upload the adjusters report and the contractors estimate and overnight the check for {$54000.00} and provide a prepaid overnight return label to receive our funds which we provided. On XX/XX/XXXX we uploaded the contractors estimate to XXXX XXXX 's portal timestamped on XX/XX/XXXX. On XX/XX/XXXX we uploaded the adjusters report to XXXX XXXX 's portal timestamped on XX/XX/XXXX. On XX/XX/XXXX we overnighted via XXXX the check for {$54000.00} to Shellpoint Mortgage Services Loss Draft Department with tracking number XXXX. Shellpoint received that check on XX/XX/XXXX at XXXX. We provided a prepaid overnight label via XXXX to Shellpoint to send our funds back to us and as of XX/XX/XXXX, day 23, we have no funds that have been sent to us. In bad faith, Shellpoint in conjunction with XXXX XXXX has lied to us, provided misinformation on when funds will be sent and how much funds will be sent. Their reviews show a pattern with at least 47 other victims of the same fraudulent actions by Shellpoint working in conjunction with XXXX XXXX. XXXX XXXX XXXX reviews XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report reflects two hard inquiries being made into my credit as follows : Inquiry from XX/XX/XXXX Institution Information XXXX   XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, CO XXXX I never authorized these " hard inquiries '' and have tried to reach out to the above on prior occasions to have the issue rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$290.00} ; XXXX, XXXX ( Original Creditor : XXXX  XXXXXXXX XXXX XXXX ) XXXX XXXX : {$5000.00} ; XXXX XXXX XXXX : {$700.00} ; XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Mortgage

XX/XX/year> we submitted a letter from our county appraisal district office to submit to our lender Newrez Shellpoint, stating that our account had been incorrected coded for the XXXX tax year and that they ( lender ) should no longer be collecting for property taxes. On XX/XX/XXXX it was verified that letter was sent and at that time I was told that the escrow analysis should take approximately XXXX days. After which, any money owed to us would then be mailed out in a check asap. Being that we had been going through this for a few months before we realized what was actually happening we were looking forward to getting this overpayment money returned to us. So we called XXXX weeks later in XXXX and was told that the escrow analysis actually takes up to 30 days. So then I called again the first week of XXXX and was told that they are so backed up that it will take up to 60 days ( but of course our case has been expedited - right ). Then I called Friday ( XX/XX/XXXX ) only to be told that the escrow analysis hasn't even been completed- which I'm not surprised at that point because all they've done is lied and tried to placate us. My wife and I have run into some tough financial challenges over the past 6 months in which not only do we need the money we have overpaid this company but we also need them to stop overcharging us. I have sent emails as well as spoken to representatives on the phone practically begging trying to get them to understand that they are putting my family in financial peril. They are always stating that the conversation is being recording ( which I hope is true ) because this is not how a company should treat it's customer ( XXXX ). We are already running almost a payment behind and incurring a monthly late charge but I'm trying to keep it together. We've had mortgage payments before and escrow analysis are not new to us, it shouldn't be this difficult. Also, if there is some other entity that we can/should go through being that we are veterans, please advise - we don't know where else to go. Thank You. 

Case # XXXX XXXX XXXX supposedly began XX/XX/year> ( as of XXXX XXXX - still not completed and representative could not give a completion date for something I was initially told should not take longer than XXXX days ).
Product: Credit card or prepaid card

Customer : XXXX XXXX XXXX XXXX. 
Point of Contact : XXXX XXXX Account XXXX Customer ID XXXX Card # : XXXX XXXX XXXX XXXX XXXX is a XXXX XXXX conducting business in the XXXX XXXX XXXX Area. Between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX there were XXXX fraudulent fuel transactions in XXXX cities in the XXXX XXXX, XXXX and XXXX, where we do not transact any business for a total amount of {$3900.00}. The card has been in our possession and has never been lost. On XXXX I received a call from XXXX XXXX, the XXXX representative assigned to our account, that the disputed card was declined several times. I told him the card was in nor possession and we were not using it. The next day XXXX I reviewed the card transactions and it was apparent that the card was skimmed somewhere and used in the XXXX metro area. 

On the same day XXXX I contacted XXXX 's afterhours support and had the card blocked from further usage and initiated a fraud claim. XXXX denied our claim stipulating : " this dispute was denied based on the XXXX Reserves XXXX XXXX which provisions what we call the XXXX rule. To clarify, this government regulation states that if a business has XXXX or more cards issued to them, then that business is responsible for any and all transactions on the account, whether they are counterfeit or not. 
" We did not use nor did we authorize the use of the disputed card for the fuel transactions or any other transactions in the XXXX metro area. Attached are the complaints, email communications with XXXX staff, and an XXXX file containing the disputed transactions. Please let us know if you need further information. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report. 
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
Product: Credit reporting

I called transunion and told them there was a error with there system they remove my inquires and they put there back on without the proper notification