23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XX/XX/2019 Letters written on XX/XX/2019 from Bank of America state : " We've completed our investigation of your above referenced claim and based on our findings, we're unable to honor the claim because the transfer was made to an account that you own and the funds were made available to you for personal use, used to pay an obligation owed by you, or both. As a result, we're respectfully denying your claim. '' Transfer was made by a thief, and not available for our personal use ; because we were not aware that the unauthorized transfer was allowed by the bank until after-the-fact, when we received a bank alert on XX/XX/2019 that our account had been accessed by an unknown device. By that time, it was too late, our money had already been stolen, and was unavailable for our personal use. Since the money was stolen in person at the XXXX XXXX, VA branch by someone impersonating my wife, the money was not used to pay an obligation owed by us. 

We were told by a bank employee at our branch that to do this, the thief had to present two forms of identification ; which was most likely a driver 's license, and my wife 's bank debit card. The bank 's own records of her checking account show that on XX/XX/XXXX, her legitimate debit card was used to make a purchase of {$25.00} at the local XXXX 's store in XXXX XXXX, Fl, and could not have been used on the same date in Virginia. 

The bank 's records also show that for the savings account, her debit card was used to withdraw {$400.00} from the Bank of America ATM # XXXX in XXXX XXXX Fl, and could not have been used on the same date in Virginia. I ask the bank to examine the camera footage from this XXXX XXXX ATM, and compare it with the camera footage from the XXXX XXXX branch to clearly see that not only were these not the same people involved, but also that it is physically impossible to be at two distant locations at the same time. My wife 's employer has provided us with records which prove that she was at work in XXXX Florida on both XX/XX/XXXX, and XXXX and could not have been in Virginia to personally withdraw funds from the Virginia branch. 

Based on the incontrovertible evidence which I have provided, I ask that the bank reverse it's determination derived from its ' flawed superficial investigation. My elderly in-laws life savings were taken as part of this fraud, and they can not sustain such a devastating loss. My family can not just excuse a theft of {$17000.00} and I will continue to pursue this matter until the time that all of our federally insured funds have been properly returned.
Product: Student loan

I applied for the temporary loan forgiveness program back in XX/XX/XXXX. My loan servicer is Fed Loan Servicing. They have denied my application numerous times. They have only counted my payments back to XXXX accounting for XXXX payments of the XXXX needed. I have been in repayment since XXXX and have all of my employment verified. They are blaming the XXXX dept but I don't believe that. I am seeing other people in repayment as long as me being forgiven every day. I have never defaulted on my loans and feel I am being overlooked for some reason. I have tried to call so many times only to wait for XXXX hours and have to hang up to get back to work. I've spoken to 2 people who were no help. They would just transfer me only to wait longer. I've emailed several times and they keep saying there is nothing I need to do. I just have to wait. I'm worried I will be cut out of the program when it ends because of my servicer. I've filed a complaint with the XXXX dept as well. Please help.
Product: Money transfer, virtual currency, or money service

I received a 1099-K from Cash App for an account I did not open. Not only do I not feel responsible for paying for finds I did not receive, but Cash App is not able to close the account. Since I didn't create the account, I do not have the user name nor can I access it from the app. Cash App claims that's the only way to cancel an account. They are not able to cancel it using a SSN or any other personal information.
Product: Checking or savings account

XXXX has taken {$45000.00} from my checking account. I called both XXXX  and wellsfargo to dispute to claim a fraud. Wellsfargo denied my dispute saying it is not fraud. I never had any account from XXXX
Product: Mortgage

OCC # XXXX WORKING ON RESOLUTION, XXXX WAS MY MORTGAGE HOLDER AND I PAID MY HOUSE NOTES TO XXXX. THEY RAISED MY HOUSE NOTE 100 % FORCED ME INTO FORECLOSURE BY RAISING IT FROM XXXX TO XXXX AND I PAID THEM XXXX ON MY FIRST LOAN LOAN # XXXX TO GET OUT OF FORECLOSURE BUT WOULD NOT COME DOWN FROM XXXX. THIS IS THE ONLY LOAN THAT WAS FORECLOSED ON AND LOAN XXXX WERE NEVER FORECLOSED ON. 

THE SHERIFF 'S DEED ACTION YOU SPEAK ON XX/XX/XXXX ARE FROM LOAN # XXXX. 

ON A LETTER THAT I JUST RECEIVED DATED XX/XX/XXXX YOU STATE. BELOW, YOU SAID XXXX GAVE A QUIT CLAIM DEED TO XXXX XXXX. THEN YOU SAID XXXX XXXX AND HIS DAUGHTER XXXX XXXX  PURCHASE THE PROPERTY FROM XXXX XXXX FOR XXXX IN COMPLAINT XXXX XXXX XXXX XXXX OF XXXX XXXX STATED THAT THEY FACILITATED THE SALE ON XX/XX/XXXX. 

ON XX/XX/XXXX YOU SAID THE XXXX PURCHASED THE PROPERTY FROM MY LENDER XXXX XXXX XXXX FOR XXXX. 

ON XX/XX/XXXX XXXX XXXX XXXX MY SERVICER PROVIDED ME A DISCHARGE OF MORTGAGE AND CONGRATULATED ME ON A PAID UP LOAN AND THE OCC ARE WORKING ON A RESOLUTION ON MY BEHALF IN REFERENCE TO THE CASE ABOVE. 

PLEASE TELL THE FACTS OF WHAT TRULY HAPPENED?
Product: Credit reporting or other personal consumer reports

Unfortunately my dad took out credit cards in my name while I was at school. I still have another year of Grad School but there are 3 accounts that are not mine and I have no way of paying these charges he racked up. I have contacted the 3 major reporting agency as well as the credit card compainies and they are still reporting this to be my debt. Please help. The accounts are as foloows XXXX XXXX XXXX XXXX XXXX Not one of those charges is mine nor did I sign up or agree to have those cards. Thank you
Product: Debt collection

A predetory lending company XXXX XXXX has supposidly sold a debt of XXXX, XXXX to a collection agency LVNV Funding who has been derogiratoraly reporting to XXXX and XXXX on my credit report. I have requested my signed agreement and the name of the original grantor which they have not provided, the debt is not mine and I am being targeted wrongly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting XXXX XXXX XXXX  account number XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

Per code XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX You Must follow the law as it has been put in place to protect the consumer which I am. Honor my request this has been my second attempt Ive lost thousands of dollars paid high interest rates aggravating headaches stress and loss time this is my last attempt if this isnt COMPLETED AS SUCH I WILL MOVE TO LITIGATION!!! 
Also its illegal to freeze a consumer account you have been put in notice
Product: Debt collection

I received a voicemail message ( on my private cell phone ) on XXXX XXXX, XXXX. A woman named " XXXX XXXX '' said to call back the number XXXX XXXX XXXX XXXX. On the voicemail she claimed to be looking for a relative of mine allegedly over a summons they wanted to serve. The message told me to call back an " XXXX XXXX '' and gave me a reference number. " XXXX '' was out for the day. However, the man I spoke to did not say their company name when answering. They could not provide their company name, nor a business address, nor could they tell me if they were a debt collector etc. 

Based on other Internet postings, this is a Scam alert. Other people have reported this number. If they were a debt collector they would say their company name. I blocked that number and have digital security protection, and I advise others to do the same. Again, ( XXXX ) XXXX should be looked into, flagged, and reported to authorities.
Product: Credit reporting or other personal consumer reports

I'm contacting you regarding fraudulent personal information linked to my identity. Accounts and transactions have been wrongly attributed to me without my awareness or permission, causing considerable XXXX. As a victim of identity theft, I've taken immediate steps to report this incident. This issue requires urgent attention due to its negative impact on my financial status and reputation. I request your assistance in swiftly removing all fraudulent data from my credit report and conducting a comprehensive investigation. I stand ready to provide any necessary evidence and, if needed, pursue legal action to safeguard my rights and seek appropriate redress. Your immediate attention to this pressing matter is greatly valued.
Product: Credit reporting or other personal consumer reports

the bankruptcy should not have been the option due to an accident that i was recovering from. this was voluntarily discharged because it wasn't to be the option A bankruptcy dismissal means that your bankruptcy has been stopped before the court granted a discharge order.Finally, unlike a bankruptcy discharge which is considered a public record and will remain on your credit report for XXXX  years, a dismissed bankruptcy should not appear on your credit report at all if no discharge was entered.
Product: Checking or savings account

i was charged the maintenance fee {$12.00} for two months in my checking account, while I have enough funds in the savings account
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Product: Debt collection

My accounts were involved in a class action lawsuit and I wanted to go about getting it removed from my credit report. The dealership didnt let me know that I was being charged high interest rates because I had a low credit score.
Product: Mortgage

i reached out to gold star financial for an fha loan on a property and everything with the application process went smoothly, up until the pulled my credit i had under XXXX and they said because of that i wont qualify for the fha loan and they where going to refer me to a credit union non fha lender instead, according to the hud website and representative i spoke to if i have less than a XXXX XXXX XXXX i qualify with XXXX percent down which i stated i could do, their actions and responses go against the hud guidelines i reached out to them and they doubled down on the fact under XXXX not allowed for their fha loans which is a direct violation of the policies set in place by hud i feel discriminated against i could afford the loan and qualified for the credit on my income yet they refused me simply because their qualifications go against the rules they should not be allowed to do this
Product: Prepaid card

I've filed a complaint on XX/XX/XXXX with CFPB with not being able to access funds on this prepaid gift card I purchased. I received a response from someone named XXXX, see attached letter. On XX/XX/XXXX I reached out again to rectify the issue I was told again to fax my personal information to a number they provided. I did and waited a week to follow up. Of course the fax number was down during that period and I was asked to fax to another number on XX/XX/XXXX. I was told by a supervisor named XXXX that I would need to wait another XXXX  days to make sure they receive the fax. This is beyond ridiculous to wait that long to verify a fax and even worst to go through this to retrieve my money because of some " suspected fraud '' on a card that was working.
Product: Credit reporting or other personal consumer reports

Inquires were made that I didn't approve. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are some Unauthorized Inquiries on my TransUnion Credit File, which I am disputing and requesting that these fraudulent and unauthorized inquiries is deleted from my credit report, based on the following letters from the various creditors which stated that they would delete these unauthorized inquiries from the credit report. Please remove immediately, Per 15 USC 1681b ( c ), HJR 192 of 1933, and 18 U.S.C. 1028A. Violation of these statues will result in litigation seeking {$1000.00} per occurrence. 
The following inquiries are unauthorized : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Reporting my utilization is illegal and charged me a XXXX fee for my money I called and ask if they can close the account.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be removed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or correct them immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence, XXXX v. XXXX ( mo ) XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX balance {$0.00}, XXXX XXXX balance {$0.00}, XXXX XXXX balance {$0.00}, XXXX XXXX balance {$0.00}, XXXX XXXX XXXX balance {$0.00}, XXXX XXXX XXXX balance {$0.00}, XXXX XXXX {$0.00}.
Product: Debt collection

I have contacted I.C. System twice and told them this is not my dept. 
I do not have XXXX XXXX account. 
My Cell phone has been provided by employment company for 15 years plus. 
It is a corporation account with ATT I.C. Systems keeps sending mail requests to pay bill. 
that I have told them is not my account. 
It Started at {$2400.00} XXXX 
Now {$2500.00}
Product: Debt collection

Receivables performance are stating I owe XXXX $ and I feel that I should only pay the service monthly charge and not the early termination due to me bringing over my own phone over which was already paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against XXXX, inquiry date : XXXX XXXX/2017. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

I have been receiving notices from two debt collectors, XXXX ( XX/XX/XXXX ) and then XXXX XXXX  ( XX/XX/XXXX ), about an amount of {$340.00} which I supposedly owe to Synchrony for purchases made in XXXX at Belk, on Belk Reward MasterCard XXXX. I do not own that card and I have a different account number with Belk. I even received a notice from something called Synchrony Bank saying that this account was sold to XXXX XXXX on XX/XX/XXXX. 
I keep records of all my payments and I know that I have paid off my debts in a timely fashion. I owe nothing, this is the XXXX Statement record ; Statement date XX/XX/XXXX : total billed XXXX ; I paid XXXX on XX/XX/XXXX Statement date XX/XX/XXXX : total billed XXXX ; I paid XXXX on XX/XX/XXXX Statement date XX/XX/XXXX : total billed XXXX : I paid XXXX on XX/XX/XXXX Statement date XX/XX/XXXX : total billed XXXX : I paid XXXX on XX/XX/XXXX Statement date XX/XX/XXXX : total billed XXXX ; I paid XXXX on XX/XX/XXXX This must be a scam.
Product: Vehicle loan or lease

In the past couple months this company allowed someone to use my credit without my permission. I received alert stating that I tried to apply for new credit, which is not true. I tried to dispute with all three bureaus and this company multiple time to resolve this matter about this inquiry. Each every time they stated that it was verified, not true. They cant provide with any voiceover, my Driver License or signature authorizing this inquiry. They are breaking the law and putting a hardship on me and my family with these negativity.
Product: Debt collection

This account is being reported on my consumer report. I have no knowledge about this alleged debt or this collection company. I was never notified about my right to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of identity theft, the information that i have right now posted on my credit report is not correct. 
i need to fix this information cause i think somebody use my information to do froud actions, pursuant to section 605b of the faircredit reporting act and i send all the inf required.
Product: Debt collection

I have contacted Advance Collection Bureau , Inc. on the following dates requesting validation of the account that are being reported to XX/XX/XXXX and XX/XX/XXXX. The dates are XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. This company has failed to provide appropriate validation of the account. After receiving a letter on XX/XX/2020, I called and spoke with a representative on XX/XX/2020 at XXXX XXXX, who reports that is the only information received from the apartment complex that the debt was purchased from at the time. The representative inform me that I would have to send a type letter to her manager if I need additional validation. I inform the representative that I will not be sending her manager a letter when I have requested validation four time. The representative became upset and I did inform her that I will be submitting a complaint to CFPB and she said okay no problem I will make note of that. Attached is the letter I received from the collection agency on XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent correspondence over 60 days ago on XX/XX/2020 identifying inaccurate information requesting it be deleted and/or updated. To date I haven't received a response regarding this matter. I feel like Im being taking advantage of, I was also apart of the XXXX  data breach. This has been a stressful experience for me
Product: Debt collection

THE BANKRUPTCY COURT DO NOT REPORT TO ANY BUREAUS PERIOD, AND THEY DIDNT SPELL OUT THE CITY OR STATE ON MY REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumers should be able to freeze their credit for free on XXXX, Experian and XXXX. This is a vital service that should be free and available to everyone who has credit history in the US as these companies can not be trusted to store their data securely and protect their data against security breaches. No American should have to pay in order to help prevent their own identities from being stolen.