23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXX by student loan was consolidated with MOHELA from XXXX to take advantage of the temporary changes made to XXXX. I submitted my XXXX forms to XXXX XXXX as they were processing MOHELA 's XXXX forms at that time. I have had very little communication from MOHELA. I have XXXX payments made towards my loans however they are showing XXXX payment. 

I have also called on multiple occasions to make a XXXX time payment of XXXX and been put on hold for over XXXX hours XXXX days in a row and then MOHELA hangs up on me before speaking to a representative. This large payment needs to be made in the month of XXXX because I am also participating in EDRP through the VA medical center. In XXXX I sent emails to MOHELA and have not received a response other than " Your recent request has been received and is expected to be processed within the next XXXX business days. '' I received this message XXXX. 

MOHELA is not responding to its consumers in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN has a high risk on my credit report. 
I have good credit. I am demanding it removed! It's been happening for awhile. XX/XX/2022 was most recent.
Product: Credit reporting or other personal consumer reports

The following 3 hard inquiries on my credit file on all 3 bureaus were not authorized by me. 

1. CAPITAL ONE -- Inquiry : XX/XX/XXXX XXXX. XXXX -- Inquiry : XXXX XXXX, XXXX XXXX. XXXX -- Inquiry : XXXX. XXXX, XXXX Please remove all 3 inquiries from my credit file on all 3 bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Originally filed a complaint # XXXX when XXXX XXXX XXXX placed a delinquent account on our credit report in the amount of {$2800.00}. Again it shows it is collecting foXXXX XXXX  XXXX & XXXX XXXX, which by the way we never had. We did have XXXX XXXX XXXX for internet and confirmed with them our account was in good standing, in fact had a {$18.00} credit. After this original complaint ( which was verified to be fraud ) and the complaint deleted. Now another company using the name Sunrise Credit Service in the same amount {$2800.00} has placed a derogatory non payment on our credit report on XX/XX/2022. Shows account XXXX... 

The last time we filed a police report and started with XXXX. Not sure if we need to file another report or not. 

Thanks for your time, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an auto loan with XXXX XXXX today XX/XX/2020 and when they ran my credit to see if I qualified, I was told that I did not get approved because there were accounts and inquiries reflecting badly on my credit history. I looked through my credit report and I found four accounts and several inquiries that are not mine. The accounts are from Dept of Ed/XXXX, XXXX XXXX XXXX & US Department of Education ; the inquiries are from many different companies that I have no relationship with. None of these accounts/inquiries belong to me and I have never allowed anyone to open any account on my behalf. I did not benefit anything from any of these accounts such as money, goods, services or any other benefit nor did I ever contribute to any payments made towards these accounts. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding this incorrect information on my credit report.
Product: Checking or savings account

I initiated a ACH withdrawal this morning XX/XX/2023 at approximately XXXX. I received a text message stating my withdrawal was in progress. 
After I received the text message stating my withdraw was confirmed and would be processed immediately. 
Then tonight at XXXX pm, I received a text and email stating that Citizens Access can not process my withdrawal and the message gave no reason why. 
I called Citizens Access and after being told for XXXX minutes that they couldn't find my account and that they had to look further into the issue. 
Then I was told that my ACH withdrawal wouldn't be processed until XXXX to 5 days. 
It's had never taken a bank XXXX to XXXX? days to process a ACH. Especially when both accounts are in the same name. This bank is trying to hold my funds to prevent me from closing my accounts. 
I spoke to a customer service representative XXXX. I asked her to speak with her supervisor since he said they wouldn't release my funds. Her supervisor who refused to speak with me about my account was named : XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Albert Genius is an application I had on my phone many months ago that offered a subscription for services. I linked my checking account and savings account to the application but later removed them and supposedly canceled my subscription. I found out by looking at my bank account that theyve been taking money out of my account for months without me knowing. I had my bank submit a claim which was denied and a stop payment on the checking account. Now I see they are trying to take money out of my savings account too. I dont understand how they can do this since I delinked both accounts and receive texts from Albert saying they lost connection to the accounts. So how are they still withdrawing money from my account? 

They dont even show where you can cancel the subscription on the application. The company took {$100.00} out of my checking account over several months and {$44.00} out of my savings account since XXXX.
Product: Money transfer, virtual currency, or money service

XXXX XXXX- money was stolen from our small business account. We notified Bank of America within minutes and a police report was filed. There is an electronic transaction that Bank of America has all the information about, so there is a party that has {$9300.00} that was taken as a THEFT. Bank of America claims it has zero responsibility, and we are unsure of how to prevent this sort of theft in the future. We don't know how this happened and how to avoid it, and believe Bank of America should have some kind of responsibility for this theft. This is a lot of money for a small business especially with shutting down for the pandemic afterwards, and we are looking for the bank to reinstate the money that was stolen from their banking system.
Product: Checking or savings account

On XX/XX/XXXX at about XXXX XXXX, XXXX XXXX account was updated through email by someone in Florida, XXXX can confirm, Rendering the services on my phone useless. I was at work with no wifi access, employer can confirm no wifi access provided in or around the premise, which left me with no access to any function on my phone requiring internet access. My SIM credentials were updated through email and all phone services rerouted to new SIM that was updated in Florida. The following account passwords were reset leaving me with no access to any services provided by such apps ; XXXX, XXXX XXXX, XXXX  XXXX, XXXX, XXXX  email account tied to all of these account services. Three purchases of {$250.00}, {$250.00}, and {$100.00}, totaling {$600.00} were performed around the XXXX timestamp according to XXXX  XXXX, that was made to buy XXXX and then was sent off to a wallet address foreign to XXXX XXXX. 

I waited until XXXX XXXX on the XX/XX/XXXX to contact XXXXXXXXXXXX  to figure out why I had no access to any account services and they explained my sim card had been updated and was pinging in Florida, and then they transferred me to their security department.
Product: Credit reporting or other personal consumer reports

Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX ; XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a/ XXXX XXXX XXXX XXXX and autograph as the agent, attorney in fact , so be it.

Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, the Fair Credit Reporting Act is intended to secure my right to privacy and my privacy has been breached so be it. and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commences, so be it. and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A, Exhibit B and Exhibit C that EQUIFAX is in violation of 15 U.S. Code 1681b ( a ) ( XXXX ). EQUIFAX did not remove the following accounts in accordance with the written instructions of the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I Review my credit report and I find that there are accounts that are reporting misleadingly. These accounts must be verified in my report in order to prevent more erroneous information on my credit report. 

Please verify these accounts : XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXX XXXX XXXX {$25000.00} XXXX sent the required files and documents to the FEDERAL TRADE COMMISSION or https : //www.ftc.gov, so verify the aforementioned accounts
Product: Credit reporting or other personal consumer reports

Recently, I pulled my credit reports because I want to apply for a mortgage loan. In doing so, I noticed that I have a number of unauthorized accounts listed on my reports. Not only are these accounts unauthorized, but they are inaccurate, incomplete and unverified. I did not give consent to the reporting of these unauthorized accounts and need these accounts removed immediately because they violate my consumer rights and ruin my reputation with the banking system. I don't have any contracts with these creditors that listed these unauthorized items on my reports. THIS IS UNFAIR AND INACCURATE. I need a new home for my family and the inaccurate items on my inaccurate consumer reports is unfair and will ruin my chances at getting a home for my family. I MAILED LETTERS TO TRANSUNION, XXXX, AND XXXX ON XXXX XXXX AND HAVE YET TO HEAR FROM THEM. IT IS NOW XXXX XXXX WHICH IS LONGER THAN 30 DAYS. YOU MUST DELETE AND REMOVE THE DISPUTED ITEMS IMMEDIATELY!!!! THIS IS INDEED SUBMITTED BY MYSELF AND NOT DONE IN ERROR OR A MATERIAL MISREPRESENTATION
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on the FCRA law XXXX is allowing a company to report a account over ten years old on my report fraudulently created. The debt collector is showing false information stating the account was created in 2022. This is not true. The debt was bought from XXXX for a account created over ten years ago. XXXX refuses to remove this account. Bought by Zion Debt XXXX.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I didnt participate in any of it. They also didnt follow the proper 5 step validation procedure which makes this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$430.00} XXXX   XXXX {$1000.00} XXXX, XXXX  XXXX {$240.00} XXXX  XXXX {$740.00} XXXX/XXXX  XXXX {$460.00} DPT ED/XXXX XXXX {$450.00} DPT ED/XXXX XXXX {$21000.00} USDOE/XXXX  XXXX {$420.00}
Product: Debt collection

I have disputed this account and have asked for proof in form of a signed contract with my signature and have not received anything. Flagship Credit continually reports this account to the credit reporting agencies incorrectly. I have never done business with Flagship Credit Acceptance. I have never signed any contract with Flagship Credit Acceptance but they still are reporting this account under my name. Under the FCRA the creditor is supposed to furnish proof of the debt if asked. I have asked them to send me proof and they have not. I want them to delete this account from my credit report immediately. This has hindered me from getting a house and other things.
Product: Credit card

my information was found on the dark web, an account was never opened but they tried so now I have XXXX hard inquires on my credit report and it is affecting my report
Product: Checking or savings account

I received notice that Cash App had deleted my account without any warrant, when asked it was implied for violating terms of service but there are no violations, warnings, etc on the account. I even asked for an elaboration of the particular violation- to which they could not provide or provide sufficient proof that there was even a violation. They have closed over 100,000 accounts in the last two days- 95 % being people of color- specifically XXXX people. I have never violated any terms and would like proof of such. They have also stolen all funds in the account and have illegal seized the money and have blatantly told and taunted that they would be illegally witholding my funds. Not only have the violated civil rights laws but also financial laws as established by the US Treasury.

They have made no attempt to give back or return the stolen funds and have avoided all questions and clarification regarding the matter.
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 Transunion 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: Checking or savings account

Wells Fargo was hack the time my account was close causing my account to fall XXXX negative and close.
Product: Consumer Loan

I purchased a 2010 FJ Cruiser from XXXX Toyota XX/XX/2010 in XXXX AL. ( XXXX XXXX - at the time ) The original contract was through XXXX, was to include an extended warranty ( Tender Loving Care ) on the vehicle. I out after a week that the loan had to be financed through XXXX XXXX XXXX. Somehow the warranty was canceled and never activated. 
I do n't remember doing this ... I always take out these warranties! He could n't show me the paperwork! Paperwork was never sent to Toyota to cancel the financing for it and I assumed that I had the warranty. 
The car was taken in for service and they said that the warranty was n't effective which alerted me to the problem. The vehicle was paid off and I approached XXXX Toyota about refunding me the amount and they said the financing company owed it to me. I called Toyota and they said XXXX Toyota owed it to me. XXXX was never paid for the warranty ... I paid for it through my monthly payments ... in full! 
I have the paperwork to back things up ... I also did n't know they had cancelled the Road Hazzard for my Tires!! {$300.00} How can I get this amount back?? {$2200.00} XXXX XXXX
Product: Checking or savings account

They blocked my account for no reason and there is no answers when I call them they say that there is a special department that is handling the account and they can only be emailed. Meanwhile this is my 10 time asking the agent to email them and I have not received any response or emails from them. They are holding my money against my will. And for no reason! And their lack of response is irresponsible
Product: Debt collection

I contacted the business as soon as I found out about the check being dishonored. The amount was XXXX and we paid the business XXXX the business and I agreed to. We have now been contacted by DCI credit services of XXXX north dakota to pay the XXXX and a XXXX dollar fee. When I contacted them to tell them we paid the company they told me it did n't matter we still had yo pay the fee after we already paid one.
Product: Credit reporting or other personal consumer reports

I have experienced trafficking, resulting in the establishment of fraudulent accounts and debts under my name. I kindly request that you take this situation into account when assessing my credit report and take the necessary steps to rectify any inaccuracies or fraudulent activities.
Product: Credit reporting

I disputed some inquiries that I do not remember doing or recognize. My understanding is that I may dispute anything in my credit file. Then the credit reporting company is to contact the furnishing of the information to the credit bureau to verify. If it is verified then let me know or if its not then delete. Well I received a email from Equifax telling me that inquiries are a factual record and if I disagree than I need to contact the creditor. Well that tells me that Equifax did n't even look into this dispute. That 's not right I have a right to dispute anything in my credit report and the first step in this process is to start with the credit bureaus.. Then they need to do there job and investigate.
Product: Debt collection

I received a notification that a collection was added to my credit report in the amount of {$1000.00}. I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports. That is a violation of my rights and I want this alleged debt removed from my credit reports immediately!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX of 2024 at XXXX I called to XXXX XXXX XXXX request the opening of a XXXX line in my account. XXXX XXXX XXXX from Customer Service helped me to open the account but he never informed about any inquiry to my credit report. After ending the phone call I noticed a hard inquiry in my credit report and called again to ask about it. They informed that they never do hard inquiries and that I they were supposed to do a soft inquiry instead of a hard inquiry. Since then, I have been trying to claim that XXXX XXXX send a letter to XXXX in order for the unauthorized hard inquiry be removed from my personal credit report. 

In addition, I am disputing that there is incorrect information ( Bankruptcy information ) in my credit report from XXXX and Experian. Please find attached XXXX separate letters that I already mailed and uploaded to the corresponding credit reporting bureaus.
Product: Credit card or prepaid card

Citibank was not willing to work with any payment options during covid-19 pandemic even though I was told my last payment was extended. I kept getting phone calls and emails. They had no record when I called back to confirm the arrangement made.
Product: Checking or savings account

Subject : Urgent : Data Breach and Unauthorized Access to Business Accounts at Chase Bank XXXX XXXX, XXXX XXXX XXXX XXXX XXXX [ Your Name ] Complaint : This complaint details a severe data security breach and unauthorized access to my XXXX  accounts at Chase Bank. On XX/XX/year>, at XXXX XXXX, a Chase employee named XXXX XXXX at the XXXX, XXXX XXXXXXXX disclosed sensitive information regarding my XXXX accounts ( including XXXX XXXX and others ) to my spouse, [ Wife 's Name ]. 

My spouse is not an authorized user on these accounts and has no legal right to access this confidential information. This blatant disregard for data security protocols constitutes a serious breach of trust and has caused significant personal and financial distress. 

Impact of the Breach : This data leak has led to a marital dispute, with my spouse threatening to exploit this information and potentially harm my business interests. Furthermore, the employee 's actions raise concerns about the overall security of my accounts and the potential for fraudulent activity. 

Actions Taken : I immediately reported the incident to the branch manager, XXXX XXXX, who confirmed a breach at XXXX XXXX but could not identify the source. 
I filed a formal complaint with Chase customer service ( complaint number XXXX ). 
However, I received conflicting information regarding the breach and the employee 's accountability. 
Request for Action : I demand a thorough and immediate investigation into this data breach. Chase Bank must take the following actions : Conduct a comprehensive investigation into the unauthorized access to my accounts. 
Implement appropriate disciplinary action against the employee responsible for this breach. 
Provide a clear explanation of the security measures being taken to prevent future incidents. 
Guarantee the security and integrity of my remaining accounts. 
Additional Information : Attached are copies of any relevant documentation, including notes from my interactions with Chase employees and the complaint reference number. 

I expect a prompt and comprehensive response outlining the steps Chase Bank will take to address this serious matter. I reserve the right to pursue further legal action as necessary and as per guidance of my lawyer.