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

I have contacted XXXX multiple times to close the fraudulent credit account and remove all information from my report. I have submitted copies of my police report, FTC identity theft report, FBI IC3 form, and proof of identity. They have failed to provide any proof of who and where the account was opened. They claim my letters ( which are provided by the FTC for identity theft victims ) are on the behalf of a credit repair organization and therefore are not obligated to investigate. 

On XX/XX/2019 I received a package from XXXX. On the same day XXXX comes to pick it up claiming the sender had sent it by mistake. The following week I receive a welcome letter with XXXX XXXX. 
XX/XX/2019 I contact XXXX fraud department to initiate an investigation. I placed a fraud alert to the credit bureaus. 
XX/XX/2019 I have received no response from XXXX so I check my credit report to find that the fraudulent account is being reported. I initiate a dispute with credit bureau XXXX. 
XX/XX/2019 I submitted a dispute letter to XXXX with an FTC report and police report. The dispute is closed at XXXX  as it states XXXX finds the information accurate ( my information was stolen and used so of course it would match ) XX/XX/2019 I submitted a dispute letter to XXXX XXXX account services which has a different address listed. I send a letter to XXXX  requesting to block the information from my credit report directed by section 605B of the Fair Credit Reporting Act. 
XX/XX/2019 XXXX responds claiming no suspicious activity XX/XX/2019 XXXX responds that they find my letter to be prepared by a credit repair organization ( which it is not as the FTC provides the letters to identity theft victims ) so they will not investigate. 
XX/XX/2019, I found that the fraudulent account now appears on TransUnion report so I send a letter requesting the information to be blocked from my account as directed by section 605B of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts are in violation of my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In accordance with the Fair Credit Reporting Act, the following unauthorized inquiries are in violation of my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, the following inaccurate personal information is in violation of my rights : XXXX XXXX ( Not my legal name ), XXXX XXXX XXXX ( not my legal name ), XXXX XXXX XXXX XXXX XXXX TX, XXXX ( Not my address ). XXXX ( Not my spouse/co-applicant ). 

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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

This incident happened on the XXXX XXXX XXXX XXXX XXXX. cryptocurrency exchange. On XXXX XXXX 2017 at XXXX XXXX I Completed limit buy order for XXXX ETH @ {$440.00} for a total of {$330.00}. I then attempted to withdraw XXXX ETH from the exchange and then the website timed out. It then threw my funds back into an open order with no option to cancel. Now I can not access my ETH funds. Their support is giving automated responses and is not listening to my problems.
Product: Credit reporting or other personal consumer reports

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than XXXX XXXX since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Student loan

I have a school loan through AES .. My college I attended XXXX XXXX in New York is where my loan originated .. Since the inception of my loan, the loan company has had the wrong date of birth on my loan including the promissary note from the loan. Still they have been paid by me, and have been speaking to me without knowing my identity for sure. My loan has been in a different date of birth yet they continue to seek info from me, and now that my loan is in status of going to collections from being unpaid, for medical reasons I could not pay, they refuse to even comment or speak to me about my loan, after I sent them my license 2 times to confirm my identity .. So now I can not secure a payment plan
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. XXXX  has removed this line item from my credit report. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this issue however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Consumer XXXX ... Early Warning Service has obtained all my personal banking information & personal information such social number, date of birth etc., without my consent. I have never done business with them. Early Warning Service has over XXXX of my banking transaction from XXXX XXXX  XXXX XXXX bank XXXX This evading my privacy.
Product: Money transfer, virtual currency, or money service

I am writing to express my concern about Zelles handing 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 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: Checking or savings account

XX/XX/XXXX ( Today 's date ) On XX/XX/XXXX I attempted to use my SunTrust debit card at a restaurant. It was declined. I immediately called SunTrust to find out what the issue was with my card and was told that my account was frozen and pending an investigation due to one of the following reasons : 1.Unsatisfactory handling 2.Negative reporting from another bank 3.History of return items I was then told that the specific reason would be sent to me by mail within the next ten ( 10 ) days. I have yet to receive any information on why my account is frozen.

I have made more than a dozen phone calls and visits to the local branch of SunTrust and I continue to get the same message, as stated above ) from representatives on the phone and in the branch.

My problem is that I have had two direct deposits, one from Social Security and another from my retirement pension, that were deposited in my checking accounts after XXXX XXXX ( the day my accounts were frozen ). 

The Social Security check was directly deposited on XX/XX/XXXX and the retirement pension check was directly deposited on XX/XX/XXXX, well after the date that my account was frozen. I was not able to stop the direct deposits with the Social Security Administration and the XXXX XXXX XXXX of Georgia from depositing due to the lack of time that the freeze took place. Thus, both direct deposits went to my accounts as usual. I have been receiving both direct deposits since my retirement which officially began in XX/XX/XXXX which Im sure SunTrust can verify. These are my living wages and I understand that both forms of income are exempt from the frozen status. 

I am requesting that my living wages ( Social Security and retirement pension ) be released to me immediately so that I can carry on with the necessities of life such as paying my mortgage, paying my utilities, and buying food. 

I am a senior citizen, living on a fixed income and Im asking that you honor my request to release my living wages from my checking accounts at SunTrust, now known as Truist.
Product: Debt collection

I XXXX XXXX do not owe this company called zions debt holdings I request all them to ceast and defrain. Also I do not have a contract with this company. Also this company never mailed me my right to dispute the validity of this debt. They are violating my fcra rights. I noticed this collection pop up on my XXXX  report today on XXXX XXXX. If they dont delete I will have to sue under fcra law. I already have a fcra attorney ready to sue. Delete this off my credit and do not try to bill me for a debt I do not owe
Product: Credit reporting, credit repair services, or other personal consumer reports

Fact I the affiant is aware and I have proof that Equifax has and continued to violate my consumer privacy Rights. I the affiant observed 11 Violations on my consumer credit report. Equifax is and continues to be in violation of 15 U.S code 168b ( 2 ) 15 U.S Code 1681a ( q ) ( 3 ) 15 U.S Code 1692 ( a ) 15 U.S Code 1692 15 U.S Code 1692g ( c ) Even After Being Informed Numerous Times that information was incorrect and should not be on there. I Have been Injured Numerous times from Equifax Gross Negligent and Willful Behavior These Injuries Include, And are not limited to being denied of credit, my Reputation has been Ruined, Loss Of business income, XXXX, XXXX XXXX the following accounts need to be removed from my credit report and stop the illegal activity I have never gave written instructions to Equifax to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX my information was also stolen in the Equifax Data Breach Equifax Needs To Make This Right And Remove These Accounts
Product: Credit reporting or other personal consumer reports

It is incomprehensible to me how my PLEAS FOR JUSTICE AND ASSISTANCE IN THE FACE OF IDENTITY THEFT HAVE BEEN REPEATEDLY MET WITH A SEEMINGLY CALLOUS DISREGARD FOR MY PLIGHT. The nonchalant DISMISSAL OF MY CLAIMS HAS LEFT ME BOTH ASTOUNDED AND DEEPLY TROUBLED. Deep-seated emotions that words alone can not fully convey - emotions encompassing annoyance, distress, anger, and profound sadness. These emotions have been triggered by the persistent denials of my legitimate identity theft claim by your bureau. It is imperative that you take swift and decisive action to address this matter within the legally mandated timeframes. Failure to do so will only exacerbate my frustration, distress, anger, and sadness. XXXX XXXX and XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX. Also take note that I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.
Product: Mortgage

Please see attached letter, file named : " XXXX XXXX Complaint Letter Against Ocwen Being Filed With XXXX 2016 XXXX XXXX, XXXX ''
Product: Credit reporting or other personal consumer reports

I called them and asked for my tenant screening report over the phone. They reach out to me via email requesting information and an adverse action letter. By law I'm entitled to a consumer report from anybody housing my information. So id like my free consumer report.
Product: Credit reporting or other personal consumer reports

My rights enacted by the FCRA, XXXX and privacy act are in violation by the unaffiliated XXXX XXXX ( XXXX ) this complaint is going to. For items that have been placed on my credit report. I have included attached documents of these items. As for XXXX XXXX XXXX XXXX and XXXX I was never provided the knowledge of the opportunity to opt out of my personal information being reported. I then was also not provided knowledge and instructions on how to opt out of my personal information being reported. In addition I have late payments that are being listed that were never verified and violating my rights for XXXX XXXX XXXX XXXX. Both the credit furniture and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof. Which has also been attached in the documents uploaded, providing exact types of acceptable proof to have it considered verified. Lack of this acceptable proof based on the claim is lack of XXXX XXXX and a crime. If the proper recordings matching the letters are not rectified within XXXX  days and updated immediately with proof of the update. I will next exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information. I will take this to federal court to seek the highest claim to the XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

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: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized, i was charged fees due to lagged posting of changes and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX XXXX/XXXX   XXXX account for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXXXXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXXXXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft JPMCB CARD Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft JPMCB CARD Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

6. Identity Theft JPMCB CARD Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I have notified Experian multiple times of these unauthorized inquiries, and they still remain on my report. Experian refuses to comply with the FCRA and remove these UNAUTHORIZED inquiries on my report. 

PLEASE SEE ATTACHED!!!
Product: Checking or savings account

The merchant teller and branch managers at my local branch of XXXX XXXX XXXX have been Skimming large amounts of cash form my deposits for about XXXX years. My estimate is that they have been stealing $ XXXX a month from my cash deposits. 

I have personal video of the merchant teller hiding {$4500.00} in cash behind the bank cash counting machine and retrieving it.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN removes and then adds collection accounts XXXX XXXX XXXX {$290.00} XXXX XXXX {$270.00} they refuse to answer any correspondence I have sent and I am unable to dispute on the website
Product: Student loan

We started several months ago trying to get our student loan payment lowered. We filled out all the information they needed and still havent heard anything. We received information saying our loan was in forbearance until first of year, but the online account states a large balance due. This balance due is XX/XX/. We chose to pay the principal on the loan, while it was in Congress. Please help us! We dont want this to affect our credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( aka XXXX XXXX ) pulled my credit report 5 times. I talked them about the credit reports and the representative XXXX XXXX advised that they would send a letter to the credit bureau and have them removed, They sent me a letter to sign acknowledging they would take it off all three credit bureaus, XXXX, XXXX and Experian. its been three months now and the inquires aren't removed. 

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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

i found inquires rthat i dont recognize on my report and need them removed asap XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

My complaint is in regards to a debt that is being " double reported '' on my credit file by Enhanced Recovery, account # # XXXX in the amount of {$1200.00} and also by XXXX XXXX, under account # XXXX in the amount of {$1200.00} which was sold to them by XXXX. 

I have requested " validation '' of this debt from Enhanced Recovery which I do not owe because I have never signed any contract with this company. What they continue to do is send me a bill and a letter stating that they are the owners of this debt. This company continues to report this on my credit file which I have recently disputed with all XXXX credit bureaus and with them as well. Please also see attached a letter from another debt collection agency, XXXX XXXX, in which they have ceased collection efforts and closed this same account. Therefore, Enhanced Recovery have broken the law by not validating said debt, and they still have not marked the debt as disputed on my credit report within 30 days. 

Any assistance that your organization can provide would be highly appreciated. 

Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUESTING EQUIFAX TO REMOVE " 4 '' HARD INQUIRIES FROM MY CREDIT REPORT