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

Date : XX/XX/2024 Fair Credit Reporting Act ( FCRA ) Dispute and Opt-Out Notice Dear XXXX XXXXXXXX, This letter serves as a formal dispute of information on my credit report and an opt-out notice pursuant to my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically 15 U.S.C. 1681s-2.

Identity Theft Victim : I am writing to dispute information on my credit report due to identity theft. Specifically, the following accounts are inaccurate and should be removed : Third party agencies Experian XXXX XXXX XXXX XXXX any other third party agencies using my information 15 USC 6802 Restrictions on Sharing Information : Financial institutions ( banks, credit unions, investment firms ) can not share a consumer 's nonpublic personal information with unaffiliated third parties unless the consumer gives written consent. 
Providing Notice : The financial institution must provide a clear and conspicuous notice to the consumer explaining what information is collected, how it's used, and with whom it might be shared. The notice should also detail the consumer 's right to opt-out of information sharing. 
XXXX XXXX has been Sharing my personal information to third parties Legal Basis : 15 U.S.C. 1681c-2 requires consumer reporting agencies to block information identified as a result of identity theft within XXXX business days. As a victim of identity theft, I request the immediate deletion of these accounts. 
Previous Attempts : I have previously attempted to address inaccurate information on my credit report. These errors have caused significant damage to me and my family. 
Request : Therefore, I am requesting the following : Immediate Investigation : A thorough investigation into the disputed information on my credit report. 
Correction of Errors : The removal of any inaccurate or unverifiable information from my credit report, specifically the accounts listed above. 
Opt-Out Notice : I hereby opt-out of any and all authorization, written, unwritten, verbal, or non-verbal, previously granted to XXXX XXXX to share my personal information with third parties, except as permitted by law. 

Incorrect reporting of personal name and Address total inaccuracy in reporting on the credit report directly going against 15 USC 1681. The Inaccurate information must be removed immediately.
Product: Checking or savings account

While living in NY in 2018, I opened an online Savings Account with Marcus by Goldman Sachs. However, I have recently moved to XXXX and a few months after I had to close my former US phone ( I opened a new virtual US number instead ) and transferred my US correspondence to a relative 's house address. Since then, Marcus blocked and then closed my account due to unspecified reasons ( likely related to the change in my contact information ) while I was trying to make a transfer to my own external checking account, which I understand. However, it's been almost a month that I've been contacting them to retrieve my funds from Marcus to my other US external checking account ( linked to my Marcus profile ) and they are putting multiple blocks. I have contacted them every single day. It's been a week since they told me my money would be transferred to my other account. Passed their deadline ( Tuesday ), I have contacted again and have only now mentioned that I should ask my other bank to recall the funds. Which I tried, but is not a feasible option since all the savings I accumulated on Marcus throughout the years ( around {$140000.00} ) were not originally sent from my current checking account so it can't be recalled. I've contacted Marcus again and now it will take another XXXX business days for them to give me another alternative. At this point, I'm considering they are just slowing the process, and holding my money hostage until I give up. They are not willing to collaborate and most agents have been extremely unpolite. I am in the middle of an expensive medical treatment and have an urgency in recollecting my money to pay for these expenses. I please ask for your assistance into this matter. I've contacted a lawyer recently who recommended placing this new complaint.
Product: Credit reporting or other personal consumer reports

There are 2 accounts from Dept of Ed/Nelnet XXXX XXXX my name on XX/XX/2023. XXXX for {$3000.00} and another for {$1700.00}. I have never had a student loan in my life. I went to the XXXX XXXX XXXX XXXX  from XXXX on a football full scholarship.These two accounts showed up on my credit report and I was given their number to reach them. When I called I was kept on hold for an hour and 36 minutes then it appeared as someone was taking the call then disconnected me. I contacted XXXX and XXXX and both advised that I contact the FTC and file a police report for identity theft, fraud, and whatever else I could think of against the XXXX XXXX XXXX Nelnet XXXX I filed a dispute with the credit reporting agencies and it stated the accounts are mine. I am XXXX XXXX XXXX and have been with the same financial institution for 15 years as a XXXX XXXX XXXX can provide whatever is needed along with picture ID. I am 100 % sure that the XXXX XXXX XXXX/Nelnet can not provide my same information. Please help!!!
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/year>, I fell victim to XXXX multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my JP Morgan Chase account to fraudulent investment firm.
Product: Checking or savings account

I discovered that someone tried to authorize a wire from my checking account in the amount of {$17000.00} via email from XXXX. I immediately contacted the fraud department and reported this within hours. I then went into the branch and signed the fraud claim forms within an hour of reporting the fraud via phone. I was told the claim was escalated and would take 2-3 days, I have heard nothing and my funds have not been returned to me. I was instructed to close my checking and savings accounts and withdraw the remaining funds. I lost a day of pay from taking off work to do this. I had to stop all my auto bill pays. I had to deposit cash on to a prepaid debit card so I can pay bills. This has completely disrupted my life as I just moved XXXX weeks ago as well, the timing could not have been worse. I did not authorized this transfer, I do not know what it is for or who has hacked my account. I have no answers and am now without a substantial amount of my hard earned money that I worked for 10 years building equity in my home that I recently sold just to wake up one day and it's gone, Devastating, this is my life savings. My money should be returned while this is being investigated. This is unacceptable.
Product: Checking or savings account

I opened a savings account with Citibank in response to a marketing promotion promising a {$450.00} payment for maintaining {$50000.00} or more for 60-days. I opened the account and deposited {$70000.00} on XX/XX/2023. I maintained the {$70000.00}, but it was not until the XX/XX/2023 statement that the {$450.00} was paid ( 90-days after opening ). As other institutions now offer higher rates, I opted to close the account. While Citi readily accepts ACH deposits, when an account is closed they promise to send a check within 10 to 15 " business days '' ( i.e. it could be over 20-days )! While I could transfer funds to another Citi account or Citi partner account for free, I would have to pay {$50.00} in wire fees to send the funds to my bank ( Citi applies a maximum {$50000.00} wire limit, so two wires would be necessary ).

I believe it's both marketing fraud and a malicious business practice to offer an " easy open '', promise a bonus ( {$450.00} ), but then require 120 days to " actually '' get the benefits. Why not ACH the funds to my bank account from which the funds were origionally sent? Citi can easily do this, but wants to diminish my yield by not giving me my money back. I won't be doing business with Citi again and think they should be held accountable for their deceptive business practices.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity 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 a 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 the receipt of this notice. I look forward to your response.
Product: Credit card or prepaid card

I applied f or a Discover cr edit card on  XXXX  after seeing an advertisement promising a {$75.00} statement credit if a purchase was made on  XXXX  over {$1.00} within the fi rst three m onths of activation. I made the purchase and realized that the {$75.00} statement credit was not awarded as yet so I called the company and they told me that I would be receiving the statement credit on the  XXXX  statement.  XXXX  arrived and I still did n't receive the credit and now it is  XXXX  and I still have n't received the {$75.00}. I contacted the company and they told me that they were not aware of that promotion via chat. I called them afterward and the representative told me that I did  not qualify for that promotion.The Advertisement is still up currently and I believe that I was lied to. Discover is a very dishonest company and I want what was promised to me.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX OF XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  AND XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX AND XXXX never XXXXent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I received a notice of violation from Delaware. A state I have never been in. The photos in this alleged violation shows a vehicle like mine but the photo of the license plate is too blurry to view it. They simply made a guess and sent me the violation. This was not my car and there is no other proof it is.
Product: Credit reporting or other personal consumer reports

Incorrect information is being reported to my credit file. The loan information is incorrect. The balance and status is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up In accordance with the Fair Credit Reporting act XXXX  Account # 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 _______________ XXXX XXXX XXXX -- -- XXXX Past Due : {$420.00} Comments : Customer disputed account - reported by subscriber. 
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Consumer disputes this account information Collection account _______________ XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Past Due : {$420.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements _______________ XXXX ( Original Creditor : XXXX XXXX XXXX  ) Past Due : {$430.00} XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. 
Consumer disputes this account information Medical Subject has not satisfied debt. 
_______________ US DEPT ED ( 1 ) Past Due : {$18000.00} Last Reported : XX/XX/XXXX Comments : Collection Account Student loan permanently assigned to government Student loan permanently assign to government. 
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Student loan assigned to government Collection account _______________ US DEPT ED ( 2 ) Past Due : {$31000.00} XX/XX/XXXX Comments : Collection Account Student loan permanently assigned to government Student loan permanently assign to government. 
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Student loan assigned to government Collection account _______________ DEPTEDXXXX ( XXXX ) Past Due : {$17000.00} XX/XX/XXXX XX/XX/XXXX Comments : Account closed due to transfer Account transferred or sold XXXX loan _______________ DEPTEDXXXX ( 2 ) Past Due : {$28000.00} Comments : Account closed due to transfer Account transferred or sold XXXX loan _______________ US DEPT ED ( 3 ) {$5500.00} XX/XX/XXXX Comments : Collection Account Student loan permanently assigned to government Student loan permanently assign to government. 
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Student loan assigned to government Collection account _______________ US DEPT ED ( 4 ) Past Due : {$2500.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Collection Account Student loan permanently assigned to government Student loan permanently assign to government. 
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Student loan assigned to government Collection account _______________
Product: Debt collection

Synchrony Financial locked me out of my account and due to this I could not make payments and after trying to contact them numerous times, and not receiving a single answer, they moved my account into delinquency. 

I have now tried to contact them on multiple occasions and they seem to always be closed or unavailable to answer when I 'm being transferred.
Product: Credit reporting or other personal consumer reports

Im absolutely livid to find inaccurate information on my credit report that doesnt even follow FCRA guidelines. This is not only frustrating but completely unacceptable. I have trusted you with my personal data, and seeing something so blatantly wrong on my report is beyond disappointing.
Product: Checking or savings account

An account was fraudulently opened in my name. I immediately ( on XX/XX/XXXX  ) went into a branch in XXXX, MN and spoke with XXXX. i was advised that there were aware the account was fraudulent. I called fraud and was advised that they would send me an affidavit to fill out. I have never received it and the account remains open. I need that affidavit.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXXXXXX Balance : {$910.00}, XXXX XXXX XXXX : {$9200.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$18000.00}, XXXX XXXX XXXX XXXX creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$71.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX GA XXXX XXXX Balance : {$290.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX XXXX GA XXXX Balance : {$290.00}, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX Original creditor XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$59.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

I have XXXX joint mortgages ( I accumulated with my ex-wife of almost 20 years ) my credit report and I only own XXXX home. On XXXX XXXX, 2011 I was amicably divorced without legal representation.My divorce decree clearly list XXXX of the mortgages as the debt of my ex-wife. Number XXXX was gifted to my ex-wife and there is a quit claim deed on file. I have no ownership and yet I am being held hostage whenever my credit is reviewed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credence Resource Management, a collection company, has wrongly accessed my credit report and listed a false account collection. I have not opened any accounts within the last 2 years.  They say I opened an account in XX/XX/2020, with a balance of {$600.00} that is past due. I have no accounts that are past due. They do mot have my permission to access my account. I want this removed from all credit reporting accounts in my name.
Product: Vehicle loan or lease

In XX/XX/XXXX I financed a XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX. Every monthly payment was going well with Veritas Finance. Halfway through XXXX I receive a letter by mail stating VXXXX XXXX had given my loan over to First Investors Financial Services. Once I started dealing with 1st Investors my monthly payments seem to always be an issue. I have never received a single bill by mail nor email stating my monthly payment was coming up or statements. I call first investors to make a payment and nobody can ever take my payment. Per the agent the call needed to he transferred elsewhere. I receive calls from another agent every month to collect my payment. I do not have access to my account to keep track of my payments. Online login states account is no longer active. This year XXXX there has been several payments that have been collected but then get a call from an agent stating I am 2 months behind and I need to make both payments, when in reality my payments have gone through and I have proof. On XX/XX/XXXX repo was was outside my house to take my vehicle due to me not paying. Additional charges were added to my bill due to repo having to come to my door. The amount due onXX/XX/XXXX per the agent was less than XXXX dollars. NowXX/XX/XXXX the amount due is XXXX. As I was calling to make this month’s payment I was told repo was processing the pick up of my car since XX/XX/XXXX payment wasn’t made !? My husband has proof of the payments being made on his bank account and it did go through. I have been having issues with the financial company every since they took over my loan. Now I cannot even trade in the car for a newer vehicle due to the mistakes they have noted.