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

I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX  : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$1500.00} In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.
Product: Debt collection

Starting on XX/XX/2019, I started receiving robocalls on my cell phone with caller ID from XXXX  XXXX. We do have XXXX XXXX XXXX cell service and recently upgraded phones so I assumed the calls where follow up/survey calls related to that. The calls are coming at least once daily. Today, I answered the call so that they would stop the follow ups. Imagine my shock when it was " XXXX XXXX XXXX '' attempting to collect a debt which I have continually disputed. The correct name of the caller was NOT on the caller ID, which is a violation of the FDCPA. This agency is using deceptive tactics. It also took several seconds to connect to a person vs. the autodialer. Please investigate the deceptive tactics by this company in falsifying the identity of the caller.
Product: Money transfer, virtual currency, or money service

I am filing this case for the fifth time. Capital Kne bank letter dated XXXX XX/XX/2021 XXXX attached XXXX states the wire transfer was approve and returned on XXXX XX/XX/2021. To date, I have not received the check nor my bank XXXX. Today, XXXX 2021, I checked with my bank and to date they have not received anything. 

Capital One failed to address in their letter how they have sent the money back. On XXXX XX/XX/2021, I was for the first time able to reach XXXX and she has told me she will check and let me know how the funds were returned and she will send me copies of the document to my email XXXX within 2-3days. 

It has been over a year Capital one is sitting on my money with fake promises. Please someone from Capital one call me at XXXX or email regarding my issues as stated.
Product: Vehicle loan or lease

Discrimination due to denial of my own credit offered in good faith to receive a vehicle. 
Please see attachment below
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian in XXXX separate times about a dismissed XXXX  XXXX being reported by them. According to their report, such Bankruptcy information is being collected by the courthouse where this bankruptcy was allegedly filed, it says so directly on their report. 

I did contact the clerk of the court of the same bankruptcy and they told me they do not have any jurisdiction over any credit reporting agency, yet Experian is sending the results of the supposedly investigation stating that the " company that reported the information has certified to Experian that the information is accurate ''. 

I will attach the letter from the clerk of the court as well as Experian correspondence for you to see the inconsistencies in which Experian conducts its investigation of my disputes.
Product: Credit reporting or other personal consumer reports

I am again attempting to have public records removed from my credit report. I have several fraudulent XXXX  XXXX Bankruptcies reporting to my credit profile. With multiple attempts with Equifax, asking them to remove unverifiable public records. They refuse to do so. My last resort is to take this situation to Federal Court for damages. I sent documents several times as they requested and still no help. I am in the process of buying a home and my financial character is in questioned by Equifax.
Product: Student loan

This XXXX loan was specifically acquired to attend The XXXXXXXX XXXX on XX/XX/04. I've always managed to stay on top of it but recently have become unemployed due to the lack of job opportunities within XXXX XXXX and due to constant job outsourcing because of foreign subsidies. In this case I have asked and requested American Education Services many times for some sort of help in the form of forbearance or temporary pause but have not received any help whatsoever to my lack of employment. Most recently in light of the my borrowers defense approval, my federal loans have been completely XXXX and credit repaired due to crimes committed my XXXX and XXXX XXXXXXXX XXXX, found guilty in many cases and subsequently closed down. I submitted an email requesting a school misconduct XXXX  loan discharge from American Education Services, which they also refused me. In this case of all the legal precedence against XXXX XXXXXXXX XXXX, the federal Borrowers Defense approval and the provided FTC holder rule, this loan acquired for these found criminal institutions ( including private ) are ill gotten due to seller misconduct. In the meantime, American Education Services still refuses to provide even a forbearance, while destroying my credit and cause undue harm while I'm unemployed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$4300.00} XXXX XXXX   XXXX {$780.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$120000.00} XXXX XXXX   XXXX {$120000.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 section 602 A - right to privacy 15 U.S.C 1681 Section 604 A - States a consumer reporting agency can not furnish an account without my written Instructions!

15 U.S.C 1692k - Civil Liabilities!

Sun loan - This account should not be on my credit report, reporting improperly. 
XXXX XXXX XXXX XXXX never gave written consent to report this! 
XXXX XXXXXXXX XXXX - reporting illegally and improperly XXXX XXXX XXXX  - XXXX - reporting illegally and improperly, this account has already been removed from other bureaus!
Product: Debt collection

I am writing to you with the utmost urgency and frustration regarding the fraudulent accounts that persist on my credit report. It has come to my attention that despite repeated attempts to rectify this egregious error, these fraudulent accounts continue to tarnish my financial reputation. This is unacceptable, and I demand their immediate and aggressive removal from my credit report. XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

In regards to credit cards that do not belong to be 1 being XXXX XXXX XXXX XXXX and the other being XXXX XXXX  in regards to these accounts I did not apply for these cards and do not wish to have theses accounts furnished on my consumer report also its 5 inquiries on my report that i did not authorize those being and by law all transactions regarding such activities are ILLEGAL under 15 U.S. Code 1681a ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report. 
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiries currently listed and showing on my XXXX XXXX, Experian and XXXX credit report are the result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Ive discover that I been a victim of identity theft. I found out someone unknown to me used my personal information to open accounts with. XXXX XXXX  account number ( XXXX ) and XXXX XXXX  account number ( XXXX ). I immeaditly called the credit breuas to let them know of my findings and they advice me to file a FTC report and I send it to them and a month later I checked on my credit report again and fraud accounts that was opened using my information it still shows on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX inquiry with the credit bureaus regarding my credit report without my written consent. I never authorized XXXX XXXX to request credit report without have permissible purpose. I only have two credit cards with XXXX XXXX nevertheless there are over 7 hard injury on my credit report without my written consent. My credit score with XXXX has dropped by 58 points and can't be fixed. I have never given written consent to XXXX XXXX and XXXX XXXX has never asked for written consent. 

According to the Fair Credit Reporting Act, Section 604, a creditor shouldnt have access to a consumer 's credit information unless the individual himself gives written permission, or unless credit access is court-ordered or requested by a state or local government agency in relation to child support. 

I have disputed inquiry through the credit bureaus regarding my written consent concerning all inquiry on my credit reports with XXXX, XXXX, and XXXX under the FCRA but hasn't received a timely response regarding my written consent. 

Each CRA hasn't responded yet regarding my written consent. XXXX  XXXX have abuse inquiry without my written consent all with the attached document regarding inquires on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect information reporting on my credit report.
Product: Checking or savings account

On XX/XX/2023 I went to my Chase bank and withdraw the XXXX dollars for my bills. By XX/XX/XXXX I begin to get really ill having low energy in complicated to breathe. On XX/XX/XXXX Ive had the same symptoms but it worsen so I decided to take a XXXX  test which tested positive so I decided to go to the ER ( XXXX XXXX XXXX ) I was there for several hours where they gave me an x-ray and another Covid test that tested negative, but sent me home with an XXXX XXXX  and some medicine XXXX XXXX XXXX XXXX XXXX. I was also told to get plenty of rest by the doctor I didnt leave the hospital until XXXX or XXXX XXXX  the next morning XXXX XXXX it wasnt until XX/XX/XXXX. I received a email stating I had low funds in my account so I check my account and realize that over {$3100.00} was gone and I instantly begin to call Chase customer service, which they connect me to, another department that handles fraud after speaking to a rep they reassured me that I will be getting my funds back and that this will go under investigation. I received all of my money back but by XX/XX/XXXX I got another email stating that my account was negative {$3100.00} so i call customer service for the second time and they connect me with fraud department again and thats when I was told that their investigation concluded that I was a responsible for my missing monies. After further speaking with the agent, he told me what I needed to do in order to overturn their decision, which was to get document stating my whereabouts on certain dates, these dates are supposedly the days that someone withdraw money out of my account. However, they never gave me a XXXX XXXX for these dates. They just gave me the days. So two days out of the several that was given to me I actually provided paperwork showing I was in the ER. I provided that paperwork on XXXX XXXX and by XXXX of XXXX I called to see was there any updates on the investigation and thats when I was told that I needed something more specific, more like a doctors note stating the day and time I was at the hospital. I really didnt understand that because for one, Im not sure if a doctor would even give me a note and two if he was to then itll be the exact same thing that was already on my discharge papers so I explained that to the rep and in but so many words they told me I wasnt getting my money back so now thats why im submitting a complaint.
Product: Checking or savings account

I have my social security benefits deposited onto the direct express debit card and today I did not have access to my funds. I have been calling the customer service number but have not been able to get to a live person for over 7 hours. I called the number to enroll for the card but they advised that they could not help me and that I needed to contact the customer service number. This is not professional and is unacceptable to not have access to my funds.
Product: Mortgage

I submitted an online HELOC application to Wells Fargo. In the submission process the applicant ( me ) is advised that a email confirmation will be sent once the application is submitted. I completed the application, and expected to receive a notification email from Wells Fargo. I did not. Then 1 - 2 days after I submitted the online application, I called Wells Fargo Consumer Lending to follow up. I was advised that an email had been sent, but to an email address which is not mine. At this time, I asked that the question of the incorrect email address be addressed and escalated. I have received no response as of this date. I have again, today XXXX XXXX 2016, contacted Wells Fargo, and have been told that there is no status or information available to me for this complaint.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cash App ( Black Incorporated ) due to inadequate customer and unfair practices which violated consumer financial protection act. Specifically cash app timely measures to prevent on their platform, leaving my account, unprotected and vulnerable. furthermore, theyre their dispute resolution was unfair and deceptive as they did not comply with error resolution requirements electronic fund transfer act. These actions have caused an in and significant financial loss and I seek appropriate redress for these violations.
Product: Credit card

Recently returned from service overseas and applied for a Chase credit card. Was told that I was not approved because I had XXXX credit card applications within 2 years ( I did n't have a credit card until I joined the XXXX 3 years ago ). If they have a rule, their application should clearly state that there is a rule before I applied for their card and had an inquiry and denial on my credit account.
Product: Checking or savings account

Hello to whom it may concern, Ive been banking with Charles Schwab for about XXXX years now, In my name holds a checking and savings account plus ROTH IRA at this bank. In XX/XX/2022 my card was hacked, and used at multiple stores online/In Store. Multiple companies charged my account over two years without any acknowledgment. I immediately contacted the bank to file dispute, but when I called to file a dispute Ive been treated in such a bad manner. Representatives continues to blame me for fraudulent charges instead of doing the correct investigation. Ive requested for my savings and checking account numbers to be switched. I was immediately denied access. Im a victim of identity theft my information is constantly being found on numerous of dark webs. My accounts such as checking and savings, credit card accounts has been hacked enormously amount of times. I think its very insensitive for Charles Schwab Bank to not record every fraudulent transaction instead they blame the customer. I know of a XXXX  American who has this same problem, but has been refunded for every fraudulent transaction. I feel this bank is very insensitive and prejudice
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$4100.00} ; XXXX  XXXX Balance : {$7900.00} ; XXXX XXXX XXXXXXXX Balance : {$7700.00} ; XXXX XXXXXXXX Balance : {$9400.00} ; XXXX XXXXXXXX XXXX Balance : {$3100.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXXXXXX Balance : {$3600.00} ; XXXX XX/XX/XXXX.
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 LEXISNEXIS 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 An Educational loan opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, A personal credit card opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an authorized credit card opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, An Educational loan opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collection opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX.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, or hard inquiries as reported. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

I have reached out to Wells Fargo to get a better understanding of how this loan was structured, to better understand why the loan amount wasn't reducing after XXXX  years of payments. I have paid XXXX of a XXXX loan and they still have me owing XXXX, this have the appearance of of a predictor lending practice. I have inquired about the loan with their representivies and receiving no positive results. I have ask them to sent me a copy of the contract, because my copy was lost in our storage container. I don't remember the total amount of the Car minus my trade in, however the interest rate was supposed to be fixed at XXXX XXXX. I don't understand how they are making their calculations on this loan agreement, and this is why i need your assistance.
Product: Mortgage

Consumer Financial Protection Bureau : This email is being written in response to your letter and your conclusion that Bank of America had adequately responded to our complaint. We appreciate Bank of American 's research by their XXXX Customer Care Resolution team and their response via their letter date XX/XX/XXXX regarding the disposition of our loan in XXXX. Frankly it may have been correct as far as it went. However, we made payments through XX/XX/XXXX and into XX/XX/XXXX. ( The last payment was received by Bank of America XX/XX/XXXX and was subsequently returned following our receipt of the Abandonment Form ). 
Copies of our XX/XX/XXXX payments, which were not recorded by Bank of America and were not addressed in the BofA XX/XX/XXXX letter. What happened to that {$1900.00} which was paid to and received by Bank of America? We can forward copies of the Bank of America receipts and copies of the cancelled checks. Although we sent copies of the receipts and cancelled checks to Bank of America, they are refusing to accept or return our numerous phone calls or hold themselves accountable for their errors. We would appreciate a response from Bank of America to our new inquiries. 
We have been in contact with XXXX, XXXX, PA ( Single Point Contact / XXXX # ( XXXX ) as late as of XX/XX/XXXX am and they have not been able to find any record or knowledge of the loan, by name, address, SS # or loan #. 
Because of these discrepancies we are asking you at the Consumer Financial Protection Bureau to further review this situation : ( 1 ) What happened to {$1900.00} payments that were made in XX/XX/XXXX to Bank of America on this account # XXXX ; ( 2 ) Help XXXX find the charge off records, identify the correct amount owed and assist us in being able to pay our debt, # XXXX ; ( 3 ) Remove the Abandonment Statement on our credit report allowing us to secure a new home mortgage. 
Thank you for your assistance. 
Regards, XXXX, SS # XXXX XXXX, SS # XXXX XXXX , XXXX, MI XXXX Phone - ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I contacted the three major bureaus concerning Chapter XXXX Bankruptcy reported on my credit report. The Bureau sent me a letter, stating that they received the information from the United States Bankruptcy Court, District of Nevada, yet I received a letters from the Bankruptcy Court that they did not send any information to the Three Major Bureaus, therefore they are reporting incorrect information ( see attach ) Also they stated that they received the information from XXXX XXXX, yet I contacted XXXX XXXX and was told that my account was frozen ( see attach ). Therefore when I requested proof to the accuracy of the bankruptcy, the bureau could not provide me that information, and it's been well over the allotted 30 days that the bureau has to validate ( no verified ), according to the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and are in violation of several of the General Rights and Obligations of NRS, including NRS 598 C. 130, NRS 598C, 160NRS 598C. 170, NRS 598C 190 and NRS 598C.200.