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

This is my second 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, FL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX  Balance : {$21000.00}, XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXXXXXX Balance : {$430.00}.
Product: Checking or savings account

On XXXX of XXXX I received a letter from Citi Bank that my checking account with at least {$1500.00} was being closed due to fraudulent activity and that in 90 days following the letter I would be receiving a check with whatever amount I had in the bank. It has been more than a year and still no check. Just a lot of run around on the phone with customer service who can not give me a straight answer and will not do anything to help me. I opened this account online. There is no Citi Bank branch anywhere near me. The last person I spoke with told me that I have to go personally to a branch for them to help me! With what car?!? How will I know that the branch is going to have a solution? When everyone that I speak with cant conveniently find my closed account anywhere on their end! I have been getting the run around from these people for way too long. Something needs to happen I need my money!
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2023 I have been disputing inaccurate information within my credit report but have not been getting a response from XXXX, Experian. Even one of them ask for verification that its me when i sent my information of verification. XXXX, sent information but all they continue to tell me is that its verified without any information that i asked for
Product: Credit card

On or about XX/XX/ I noticed a large sum of money missing from my account and when I check my account and realized that a XXXX XXXX  was withdrawing this money from my account I immediately called Wells Fargo bank and although the gentlemen that I spoke with said they would reissue me a temporary credit well they have not and continue to refused to give me the money that was taken out of my account without my consent or knowledge and despite me issuing police reports and an a affidavit of truth and facts ( see attached ) they still refuse to reissue me the funds stating that the transaction were authorized, although they have no proof of previous business or dealings. I dont nor have I ever knew a @ XXXX
Product: Mortgage

for the past three months my mortgage company selene finance has misrepresented my payment history on my monthly mortgage statement, showing an unpaid balance for the month of XXXX, XXXX, and XXXX and applying my mortgage payment to an Unapplied balance account instead of properly applying them to my mortgage payment account
Product: Credit reporting, credit repair services, or other personal consumer reports

Take my bankruptcy off my credit report
Product: Credit card or prepaid card

On XX/XX/XXXX my bill did not go through account with missed payment. I am kindly requesting SANTANDER CONSUMER USA Opened XX/XX/XXXX to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Payday loan, title loan, personal loan, or advance loan

I am wanting XXXX XXXX XXXX XXXX inquiry deleted because I did not authorize this company to run my credit this is fraudulent.
Product: Credit reporting or other personal consumer reports

I am writing to express my concerns regarding significant issues with my credit report. During my review, I discovered several inaccuracies, such as incorrect account listings, unauthorized inquiries, inconsistent billing, and accounts that do not belong to me. These errors are affecting my financial well-being, and I urgently seek your assistance in addressing them.
Product: Credit card

I am writing to file a formal complaint against Capital One regarding their failure to provide 1099 forms for two charged-off credit card accounts. Despite multiple attempts to contact Capital One and request the forms, I have been informed that Capital One does not issue the 1099 forms for these accounts because they are " not interest-bearing. '' However, I believe this explanation is incorrect, and I am still unable to obtain the necessary documentation for my tax purposes.

Background : I had two credit card accounts with Capital One that were charged off in XXXX, and I understand that any forgiven debt on these accounts may be considered taxable income, requiring the issuance of 1099 forms. After the charge-offs, I reached out to Capital One multiple times to request the 1099 forms for these accounts. However, I was informed that these forms would not be issued because the accounts were " not interest-bearing. '' Attempts to Resolve : XXXX. On or around XX/XX/XXXX, I contacted Capital One customer service through mail, requesting the XXXX forms for the following accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # ending in XXXX XXXX. The initial response I received was that Capital One does not issue XXXX forms for these accounts because they are " not interest-bearing, '' which I believe is incorrect for accounts that have been charged off and potentially forgiven. 
XXXX. I explained that I needed the forms to properly file my taxes and comply with IRS requirements, but no alternative solutions were offered. 

Since my initial contact with Capital One in XXXX, I have made multiple attempts to reach out to them again. However, I have yet to receive any responses to my requests. 

Impact : Capital One 's refusal to issue these XXXX forms has placed me in a difficult position, as I am unable to report the forgiven debt from these charged-off accounts properly on my tax return. This issue could result in complications with my tax filings and may lead to penalties or delays with the IRS.

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and assist in ensuring that Capital One : 1. Provides the correct XXXX forms for the XXXX charged-off accounts listed below : Account # ending in XXXX Account # ending in XXXX XXXX. Issues these forms in compliance with IRS guidelines for reporting forgiven debt from charged-off accounts. 
XXXX. Provides clarification on their stated policy of not issuing XXXX forms for " non-interest-bearing '' accounts, as I believe this XXXX not align with tax regulations governing forgiven debt. 
I have attached copies of my account information and my repeated requests to Capital One, along with any relevant correspondence with Capital One. 
Thank you for your attention to this matter. I appreciate your assistance in helping resolve this issue as soon as possible
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Disputed items on my credit that shouldve been included in my bankruptcy and they didnt investigate properly or change it. After XXXX still showing open.
Product: Checking or savings account

Hello, I could use some help with closing this account which belonged to my father, XXXX XXXX. He passed away XX/XX/XXXX. I have provided all necessary documents to this bank and everytime I call I get told to email them again or to visit the local branch where the account was opened. I am not able to visit the local branch as it is located in XXXX XXXX, XXXX XXXX. I am in Rhode Island. 

I have all the necessary documents - Death Cert, Declaration of Heirs, and the Relelvo de Hacienda. I forwarded these documents to Firstbank using this email address : XXXX today, XX/XX/XXXX. 

Please help me in resolving this matter. I have been getting nothing but the run around from everyone I talk to at this bank and I'm worried that there may be some malfeasance of deceased account holder funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a vehicule loan i was informed by the dealer that my credit would be shared with one credit company Unfortunately I never verified my credit score to realize that my credit was ran multiple time.
Product: Debt collection

On XX/XX/2019, I contacted Midland Funding LLC. 
Midland Funding and I came with an agreement and settled the amount owed the same day, XX/XX/2019. Midland Promised to remove the account from my credit history on the first cycle of reporting to credit reporting agencies. ( XXXX, XXXX, XXXX ). 2 reporting cycles have passed and the information still appears in the 3 reporting agencies. I contacted Midland on XXXX XXXX to get information on the removal or reporting of information to the 3 credit reporting agencies and they had not cleared up the information. I called on XX/XX/2019 to ask about why they have not reported the payment of the account and they still said they will be reporting on the next reporting cycle. 
I mentioned that they have said the same thing on XX/XX/2019 and they have not done it. 
I made a record of reporting this t0 the Federal Trade Commission for not reporting according to the fair credit reporting Act.
Product: Checking or savings account

In late XXXX I had my car broken into and an XXXX was stolen. Shortly after that, I had XXXX transactions through XXXX that were not authorized by me from XX/XX/XXXX through the middle of XXXX. The amounts totaled {$14000.00}. I turned in a claim when I was sent a fraud message regarding a couple of transactions through a company called XXXX XXXX. 

I filed the claim, was told that no documentation was needed and an agent would reach out if that changed. Less than a week later, my claim was denied. I re-opened the claim when I sent in documentation supporting my claim. Was again told that an agent would be in touch if they need further information. The claim was again denied a week or XXXX later. 

I contacted Bank of America and spoke to a supervisor. They told me that the claim was being filed the incorrect way and that it was instead a billing dispute. The claim would be re-opened and a new investigation would be opened. A week or XXXX later the claim was denied again. 

I sent in more documentation on XX/XX/XXXX, including a police report. For the first time in the whole investigation, Bank of America attempted to contact the merchant on XX/XX/XXXX regarding the fraudulent charges. 

It has been over XXXX days, almost XXXX XXXX XXXX XXXX months and not once has someone from Bank of America reached out to me regarding this claim. I have called in continuously trying to get this solved. There has been absolutely no sense of urgency from anyone at Bank of America. I have asked to speak with supervisors, managers, and they all act like this isn't a big deal. It's almost {$15000.00}. That is a lot of money! 

I was never offered temporary credit during any part of this investigation.
Product: Checking or savings account

In mid-XXXX. '18, I opened a Citi checking + savings account combo under the following guidelines in return for a {$400.00} bonus. Also note at the time of opening the account, I inquired and double-checked that only funding 1 of the accounts ( not both ) as also stated in the requirements of the offer was adequate to meet the guidelines and was again reaffirmed. 

-Within 30 days of opening your account deposit XXXX new-to-Citibank funds into the checking and/or savings account. 
-Maintain a minimum balance of XXXX in your eligible linked checking and/or savings account for 60 days. 
-Get {$400.00} deposited to your account! 

After fulfilling all of the above requirements, I expected to see the bonus deposited into my account ; I even received an email stating " You've Earned Your Citibank Award '' with the details mentioning I had earned the {$400.00} bonus. After inquiring why I hadn't received the bonus, I discovered THEY had closed my checking account ( at some point ) without my consent ( saying it had not been funded ) and also stated they would not pay-out the bonus since it no longer qualified due to THEM closing it. Again, note that nowhere in the above requirements does it state both accounts need to be funded at all. After 3 unsuccessful rounds of direct appeals/reviews with Citi and even another attempt via XXXX ( in a disguised attempt to  appear to be helpful and solve my problem only to waste my afternoon and provide the same too bad response ), I have decided to report their big bank shady practices to scam and bait-n-switch customers.
Product: Credit card

I returned from an international assignment to the USA on XXXX/XXXX/16. I applied for a new credit card with American Express and was approved on XXXX. I received my credit on XXXX. I called and activated my card on that same day - the agent stated I could use the card immediately. On the phone, I had the agent document XXXX very important transactions I needed to make. I then logged into the AMEX portal and tested those transactions in their verification tool - both transactions were approved. On XXXX I drove XXXX miles to complete a car purchase, of which a down payment was XXXX of my important transactions. The transaction was denied and when I called the AMEX customer service agent, they said they could n't help me. The next day I was sent a request to get a form notarized that provided my identify. I have sent that in and continually call into AMEX to get my problem resolved, which is still outstanding. At this point, I have to wonder if AMEX is discriminating against me based on my international background and heritage? This situation has become unfathomable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent a certified letter to Equifax asking to validate an account ( XXXX, XXXX, XXXX ) reporting negatively on my report. They responded with the account was verified but sent so validation paperwork. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that Equifax disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that is reporting in my credit report. Equifax has responded to my request by saying that these accounts have been verified. Equifax has not sent me copies of the documents that they have in their files that were used to validate these derogatory accounts. As required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties are damaging my reputation and credit worthiness. Equifax has ignored my request to provide me with the documents that their company have in their files that is used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I have sent certified letters asking Equifax reporting agency to VALIDATED these accounts with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint against EQUIFAX for their failure to remove fraudulent accounts from my credit report as required by law.

I recently disputed several accounts on my credit report under the claim of identity theft, pursuant to 15 U.S.C. 1681c-2. I submitted a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ) as evidence. The credit bureau acknowledged my dispute but has not complied with the requirements set forth by the Fair Credit Reporting Act ( FCRA ). 
Despite my initial request for the blocking of these fraudulent items, the following account remain on my credit report : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 15 U.S.C. 1681i ( 7 ) - Description of Investigation : Pursuant to the FCRA, credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. To date, I have not received this required information.

15 U.S.C. 609 ( a ) ( 1 ) ( a ) - Verification Requirement : Per the FCRA, you are required by federal law to verify all accounts and public information through physical verification of the original signed consumer contract and/or judgment ( s ). Without such verification, there is a risk that erroneous or fraudulent information could be included in credit reports. Given the lack of adequate verification, I request the removal of this unauthorized public record information. 

Accuracy Compliance : Additionally, under 15 U.S. Code 1681e ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report. If the information can not be verified, per 15 U.S. Code 1681i ( a ) ( 5 ), I request that you delete any unverifiable information.

Failure to Investigate Accurately ( 15 U.S. Code 1681i ) : After submitting a dispute regarding inaccuracies on my credit report, I did not receive a thorough investigation within the mandated 30-day timeframe. The results of the investigation did not adequately address my concerns.

According to 15 U.S.C. 1681c-2, credit reporting agencies are required to block disputed information identified as resulting from identity theft within four business days of receiving a valid identity theft report. Additionally, under 15 U.S.C. 609 ( a ) ( 2 ) and 1681i ( 7 ), any unverifiable or inaccurate information must be removed from my credit report. 
Inadequate Compliance Procedures ( 15 U.S. Code 1681e ( b ) ) : The bureau has not demonstrated that it has implemented reasonable procedures to ensure the accuracy and completeness of the information provided on my report. I am requesting detailed information on the procedures used during the investigation.

I demand that the CFPB investigate this matter and take appropriate action to ensure that these fraudulent accounts are deleted from my credit report. I expect a prompt resolution to this issue and would appreciate any guidance you can provide regarding my rights in this matter. 
Thank you for your attention to this urgent issue. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My girlfriend & I were scammed out of {$140.00} when attempting to buy event tickets through XXXX & paying through XXXX. XXXX 's website seemed legit but their " only send funds to trusted recipients '' statement was hidden in their website & not clearly displayed. Because funds were easily pulled from my Citizens Bank checking account, I believe the transaction was legit.
Product: Money transfer, virtual currency, or money service

I created my gemini account on XX/XX/2021 and have been waiting to be verified ever since. I completed all the verification steps, but yet nothing. Also I contacted gemini customer support multiple times and nothing. Im unable to withdraw due to this and Im quite frustrated.
Product: Debt collection

I have contacted ; SECURITY CREDIT SERVICES- ( XXXX ) XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Mississippi, they are reporting a debt that I have not agreed to enter by contract or written consent, and they are reporting this information to the bureaus, it is hurting me greatly. There is no privity and no signed contract or agreement between me ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfer, virtual currency, or money service

I opened an account on Bitstamp in XXXX and submitted my drivers license and a selfie, as requested by Bitstamp in order to transact and withdraw or transfer assets. Bitstamp has become unresponsive to my requests for attention to the matter, and has now XXXX trading and deposit/withdrawal functionality. i have requested several times that Bitstamp allow me to close my account, and transfer assets elsewhere, given their unresponsiveness. Further, the disabling of trading has subjected my account to enormous market risk. And i am facing hardship by not being able to withdraw my own funds. Finally, on more than one occasion, I have offered to provide additional identification information, but Bitstamp remains unresponsive. I am concerned that Bitstamp may be engaging in fraudulent activity, given their actions pertaining to my account, and lack of response.