23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

so as CFPB already know I had fraud accounts opened in my name got most of it cleared away and I decided I wanted to go to XXXX XXXX XXXX and apply for a store card now back in XXXX I applied and told I was approved and wait 7-10 business days. in that wait I received a letter stating was denied because of delinquent XXXX XXXX accounts I went back and forth on the phone for 3 months. Prior to that I was told by a manager that I was all cleared to apply again which I did while she was on the phone told me I was guaranteed approval now I got the same 7-10, letter came and it said the same thing ... called back-office corporate everybody I spoke to 50 people in 10 different departments all told me everything was cleared and made me run my name but now im stuck with 3 XXXX XXXX inquires and no card or approval.
Product: Money transfer, virtual currency, or money service

The Xoom money transfer used to be processed within the day after a transaction is finalized. I had been doing money transfer using my XXXX XXXX XXXX ( XXXX ) debit card and send money to my bank account in the XXXX, but when I made a transaction on XX/XX/2021 it was accepted just like my past normal transactions and I was expecting that it will be processed after a day or two. But turned out that until now XX/XX/2021, I haven't got my money in my bank account in the XXXX but it was already deducted from my XXXX debit card. I tried to email Xoom customer service, but only an autoresponder is sent back to me saying that they are sorry for the inconvenience. I tried to call their toll free number but I have been waiting for 25 minutes on hold/queue but no person answered my call. I did call for several times but same waiting time and no person answer my call. Tried to message their XX/XX/XXXX account but still no response.
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 XXXX XXXXXXXX XXXX XXXX. 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

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts I have made to correct an account opening date on my credit report with 3 Credit Bureaus. The incorrect account opening date has resulted in inaccurate reporting that has negatively impacted my credit score. I first reported the issue and have subsequently made attempts to resolve the issue, providing the necessary supporting evidence and documentation to support my claim. Each time, I received a confirmation of the receipt of my dispute but saw no concrete action to rectify the inaccuracies. I believe that a prompt correction of this late-open account is essential to ensure the accuracy of my credit report. I kindly request a thorough and immediate investigation into this matter to correct the reported account opening date. Furthermore, I insist on a written response outlining the steps taken, the results of the investigation, and a clear plan for the correction within the legally required timeframe. I expect that Credit Bureaus values accuracy and fairness in its credit reporting practices and is committed to ensuring the integrity of my credit report. I would appreciate a prompt response to this complaint. I am asking for your help to correct the account immediately : XXXX XXXX XX/XX/XXXXXXXX Balance : {$7300.00}.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account loan opened at XXXX XXXX XXXX under the account number XXXX opened XX/XX/XXXX with a balance of {$790.00}. XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX opened XX/XX/XXXX, XXXX account number XXXX that resulted a late payment on XX/XX/XXXX as do XXXX XXXX XXXX XXXX account number XXXX that resulted in a late payment on XX/XX/XXXX. XXXX XXXX XXXX account number XXXX XXXX XXXX resulting late payments due to XXXX XXXX. please remove all late payments. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, late payments or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, late payments and hard inquiries are the result of identity theft and fraud. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX from FTC report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Mortgage

My mortgage company transferred my loan to another lender and because of the transition they took out a payment for my PMI Insurance ( for XX/XX/XXXX ) in XX/XX/XXXX. The amount is {$200.00}. In the mist of all this, I refinanced my home through another lender. They paid off the loan XX/XX/2016. There is an escrow refund owed to me that does n't include the {$200.00} ( PMI Insurance ) they are suppose to give me for XX/XX/XXXX. I called multiple times and they said the PMI was due XX/XX/XXXX therefore they will not refund me the amount. Why would I pay PMI Insurance for a loan I do not have with them? Its like selling your car and still making the car insurance payment. I would like my {$200.00} refunded for XX/XX/XXXX. They had no right to take that money out a month in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX For XXXX/TransUnion/XXXX & Attorney General/Consumer Finance/XXXX.

RE : Request to Block Unauthorized Charges & Accounts from Credit Report under FCRA 605B I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft in XXXX The affected accounts are listed below. 
XXXX/XXXX ACCT : XXXX AMT : {$1000.00} XXXX/XXXX ACCT : XXXX AMT : {$3400.00} XXXX/XXXX XXXX XXXX   ACCT : XXXX AMT : {$880.00} XXXX/XXXX ACCT : XXXX AMT : {$3000.00} XXXX/XXXX ACCT : XXXX AMT : {$3100.00} XXXX/XXXX ACCT : XXXX XXXX : {$640.00} XXXX XXXX   XXXX ACCT : XXXX XXXX : {$700.00} XXXX XXXX XXXX ACCT : XXXX XXXX : {$800.00} XXXX ACCT : XXXX XXXX : {$660.00} XXXX/XXXX XXXX XXXX ACCT : XXXX AMT : 1636 I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, XXXX, and TU via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from Transunion, XXXX and XXXX, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. TransUnion and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX Enclosures : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

mailed letter to Equifax on  XXXX   XXXX ,   XXXX   asking for Method of verification, requesting copy of documents bearing my signature. Have not received any such items. I have frozen accounts with  XXXX   XXXX  and  XXXX   XXXX  still confirms that Chapter  7 is   verified through  XXXX   XXXX . I also have sent them the letter from the Bankruptcy Court stating that they do not verify anything to credit bureaus. How can you report something in my file that you ca n't even say is correct when you have no way of verifying it. There are millions of  XXXX   XXXX  out there my medical records get mixed up all the time. Chapte r 13 w as deleted.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Experian company deleted from my credit report an account that lacks specific information and is even incomplete and after 15 days put it back without sending prior notification, this is a serious violation of the FCRA since they should have notified no more than 5 days of doing this in writing before proceeding to report the account again. in my credit report. 

Another point is that they automatically opened without my authorization a dispute of the reinsertion without my authorization making it happen as if I had done it.
Product: Checking or savings account

I deposited a {$2500.00} check using Bank of America 's mobile App on XX/XX/2020 and was made to understand that the funds will be available for items posting on my account on the next business day, XX/XX/2020. However, the funds were never made available and this caused an overdraft transfer of {$2500.00} from my Bank of America credit card to cover an outstanding balance .I incurred a {$12.00} fee as a result of this. However, when I called and requested a refund of the {$12.00} overdraft fee on the credit card, they obliged. 
In the meantime, I was told the funds for the check has been delayed and wouldn't be release until XX/XX/2020 at XXXX ET. However, the checked cleared my other bank on XX/XX/2020. I called Bank of America 's customer service on two occasions to get the funds release, but was unsuccessful. Is unfair for them to keep my money for that amount of time and not pay interest on it. Furthermore holding the funds for 9 calendars has caused me severe financial harm and I want them to  compensate me and release my funds immediately. I even suggested that we call my other bank to confirm that the check has cleared but got turned down.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Dispute using Zelle numerous time and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, a handful of XXXX loans were marked as XXXX  days late. I had several loans totaling approx {$5000.00} across several loans. XXXX  never disclosed if they'd report to the credit reporting agencies, let alone when. 

On XX/XX/year> I spoke with a representative for over XXXX minutes and got a consistent run around on reporting dates. After I explained that I had been making payments and the amounts weren't correct and asked what I needed to pay to get " caught up '' she refused to tell me. 

She also stated that I would get an email follow up about the matter and I haven't heard back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a very detailed affidavit of truth with evidence of all the issues I had with my credit report with evidence. I have attached that below. Experian responded back with a generic response saying " the debts were validated '' but they did not ever show me any original documents from any of the creditors that are on my credit report. I am the natural person thus the original creditor. I entered a consumer credit transaction with these organizations and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law, they have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. Not one single account that I requested proof of validation was ever sent to me. I have expressed this issue to Experian, and it is well over 30 days since then and I am demanding that the invalidated debts be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items XXXX XXXX XXXX Bankruptcy Case Number : XXXX XXXX XXXX Account Number : XXXX XXXX, XXXX Account Number : XXXX 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

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 fixed as soon as possible. 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

Please Remove it from my Credit Report. If you don't remove them i would like {$1000.00} per violation in accordance with the FCRA. XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX Previous Address XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX
Product: Credit reporting 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 Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I, a consumer, XXXX XXXX, am notifying you of a dispute of this alleged debt pursuant to 15 USC 1692g. I request that you provide to me with verification of this alleged debt. Verification consists of a formal declaration in where you swear to the truths of the statements of the facts of the matter, have first-hand knowledge, and must be notarized. 

Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt, which includes reporting to my consumer report with XXXX, XXXX, and Equifax. 

I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitute aggravated identity theft, I also DID NOT consent to you reporting information in my name to the consumer reporting agencies.
Product: Mortgage

I requested for a loan to buy a house and sign up financial applications at XXXX XXXX to finance a conventional loan with 20 % down-payment funds. I paid all necessary fees, provide all financial confidential documentation and submitted to the Guidance Residential LLC as my Mortgage Company. At XXXX XXXX I received Uniform Residential Financing Application ( Form XXXX ) from Guidance Residential, filled it out, signed and sent it back. All XX/XX/XXXX, XX/XX/XXXX and beginning of XX/XX/XXXX I am getting promises to sent me a commitment for close this real estate transaction.My mortgage broker is lying to me, my Real Estate agent and Law office who is representing me in this transaction every time when somebody calling him. He promised to speak with Vice President of the company, he got commitment already and just in few minutes sent it to us and etc.Now, I have to close this transaction with all cash, because time is the essence and buyers side wants to breach a contract.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX OF ) XXXX Balance Owed : {$560.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not verified any of these accounts which I have been asking for and now they State they are not going to reinvestigate anything until I provide new information which does not make sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I formally request that the following inaccurate items be immediately. 
REMOVED, these account are not mine and are fraudulent account and these company refuse to eliminate these account from my report XXXX XXXX XXXX XXXX XXXX BANK OF AMERICA 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

Applied for the XXXX secured credit card on a few different occasions between mid XXXX and early XXXX. After that period, I got a letter saying my application was denied but afterwards I got an email saying it was denied because it was previously approved. I was informed via the XXXX site that I needed to make a deposit in the desired amount between {$100.00} & {$750.00}. I was not told I had to make the deposit for the exact amount I entered on my application. 

On XX/XX/XXXX I attempted to make a deposit in the amount of {$250.00} and was rejected a few times. I called the customer service number and was told to attempt a {$100.00} deposit and when I did, I didnt receive any error messages. To this day, the XXXX website reflects that I still have a {$100.00} deposit pending. 

On the XXXX XXXX  XXXX, I realized the site still reflected I was waiting for my deposit to clear. I learned on their help screen that if there was an issue with my payment, I would be contacted via email with further instructions. I havent recieved any emails concerning the security deposit to open the card. I contacted XXXX and they informed me there was a flag on my account and cleared the flag on my account. I contacted synchrony two days later and they told me to wait 24 hours and the next day I called synchrony and they told me to wait 48 hours. I called again and they told me to mail a payment but didn't specify which department to send it to. I dont remember the exact date but I called to try to get more answers with no successso I asked if they could just close the account since I wasnt getting anywhere. The customer service representative informed me it would be reflected as a closed account on my credit report. I just called again today, XXXX XXXX and they told me to clear my cache and try again. When it didnt work they told me to just check every day and if it doesnt allow me to pay, then I need to reapply. I expressed that my credit score was already affected, and they want me to wait and apply again. It seems they are just stalling until I miss the deadline of XXXX XXXX.