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

Im sending this request to the credit Bureaus today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an id theft report. Please find the required documents to assist in the removing of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

On XX/XX/XXXX I called direct express to report fraudulent charges to my account. The total amount was {$400.00} and after around XXXX weeks I got the money back. I just noticed that on XX/XX/XXXX they had done a credit reversal taking the money back from my account. I had not received any reason as to why this happened before the money was taken back. I didn't make these charges on my card and would have no reason to lie about that just to get money. One of the charges appears to be from a XXXX XXXX who I don't know. Just wanted to know what to do about this and if I can get the money back. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX, as required by law, offers a method to obtain free credit reports from the 3 major credit reporting agencies. It offers an online method through XXXX. However, just as I did when I tried a few years ago, when I selected free credit reports from all three agencies, after I completed the steps for the XXXX report and received it, I clicked on the tab to move on to the next report ( the XXXX report ).  The next screen gave me the option to exit the site or cancel. It did not take me on to the XXXX report. 

This is what the agencies do. They put up obstacles to getting free credit reports in the form of glitsches in the online process. The website does n't work and the consumer is left to use a slower and more cumbersome process, such as ordering by mail, or paying for the reports. 

This is a SCAM that the credit reporting agencies have been running for years. It happens every time I try to be my free credit reports.
Product: Credit card or prepaid card

I have been back and forth with APPLE GOLDMAN SACHS for over 1 year now. I submitted my disputes 3 different times. XX/XX/2021 I sent out letters to APPLE GOLDMAN SACHS in regards to items being charged to my account that are not my doing. They refunded me for some items and charged me for other items. MIND YOU THESE ARE ALL THE SAME TRANSACTIONS. I'm familiar with deceptive practices but this is too much! I am a single father and I work 12-13 hour days. HOW CAN THEY REFUND ME FOR THE SAME EXACT ITEM AND CHARGE ME FOR THE NEXT EXACT ITEM??? 
They even closed my account and now are making me pay {$42000.00} worth of charges I DID NOT CONSENT TO NOR HAVE KNOWLEDGE OF! Its clear as day this is a deceptive practice. How can you refund some and charge the rest when its all the same transactions! 
Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

HSBC Bank XXXX XXXX, XXXX NY XXXX notified 1st by  phone XX/XX/2020 phone XXXX spoke to XXXX Fraud dept..Advised I was the victim of ID Theft, and a fraudulent account for {$6500.00} had been opened in my name.I sent certified mail a packet including : Identity Theft Report, Proof of Identity ( driver 's license ), Credit Report showing outstanding debt & Notice to Furnishers of Information. I requested the account to be closed, ( which I was told was done ), to remove any charges on the unauthorized account, and to take steps to remove information about this account from my credit files. I also told them to send me written confirmation that I am not responsible for charges on this account, and that it be closed immediately. I have NEVER received one call or letter from them to date. I have called them on several occasions only to be told they are working on it. Today XX/XX/2020I spoke to XXXX at XXXX since it has been 90 days! He said account was closed, that the investigation showed I was cleared. I informed him that XX/XX/XXXXstill shows I have a low score & I want them to contact XX/XX/XXXXwith updated information, clearing my bad credit! In addition I want a formal letter stating I am not responsible, so if I have a problem with my credit in the future I have something to show. He tried to get through to a supervisor, but after about 45 min. on hold, all he could do was email the supervisor asking them to call me. At this point I do not feel that I will get satisfaction without your intervention.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to CORRECT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Woke up to multiple rapid unauthorized transaction alerts for XXXX each on my PayPal, at XXXX the night of XXXX day, that was also fraudulently hitting my main XXXX XXXX account because it had to be linked, and only stopped just short of taking every dollar I own because I called XXXX in time ( after unsuccessfully getting help and reporting it to paypal, within minutes of the unauthorized transactions ) and the nice lady stopped them by freezing the account.. It left me with next to nothing, to live on and support my family.. On XXXX, during covid no less.. The transactions are still pending as we speak.. Don't understand why they can't be canceled before these cruel people gain access to the money they stole from me somehow.. Says right on front page of paypal that they protect against unauthorized access/hacking, and just about everything else, it's the whole reason I made a paypal, because it's supposed to be safe. Showed up each time as " XXXX XXXX '' .. Paypal was drained within 4 minutes.. I called them immediately and was hung up on by the machine multiple times with no way to talk to a real person.. All while everything I have was being drained right in front of me.. Called XXXX since I couldn't get help from PayPal, to get it canceled. Nice XXXX lady immediately seen and said they were still continuously trying to hit my account. We froze the account and closed my debit card just in case. She instantly put stop payments for the XXXX transactions and made it right. Just like that. Done, on the XXXX end at least. Unfortunately I XXXX had most my money in paypal at the time because I was recently using it to buy presents for loved ones and I thought paypal was the really safe and protected way to make purchases, Ironically I was even using their extra safe " paypal key '' for additional safety. Tried the paypal resolution center, but it would only say I couldn't dispute.. Tried calling but everytime it just said use the resolution center and immediately hung up, with all 3 different paypal numbers I been calling. Tried their messaging system, no response. Managed to find a paypal email ( no where in paypal gives any real contact information for some reason ) and within five minutes of me telling them what was happening I received an automated denial saying something about suspicious emails obviously written by a machine, and in record time. I was blown away.. The email even thanked me for finding fraud, and then said that the transactions look normal to them. Over 15 hours straight of this and have gotten no where with PayPal except that automated email.. Just don't understand why they can't/wo n't stop the payment while it's pending and before it is completed, or why I can't talk to a person, or anything. XXXX did everything I needed in 5 minutes. And now I'm here.. Come on paypal.. Just want you to cancel these outrageous charges, like you promise to. XXXX took all of 3 minutes to keep my account safe.. Please help me out here. A simple cancel payment, human reply, anything. They took everything that not only I have to live on, but my loved ones as well.. Sad and cruel..
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 insufficient funds when transactions were authorized, I was charged late fees due to lagged posting of charges 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: Checking or savings account

My account was hacked they informed me today. They keep deleting my password for account access. I just want charges reversed and my money mailed to me. 
I have called and waited on hold hours numerous hours actually numerous times with no pick up on their end. For a bank to not answer their phones and leave people for hours on hold and then to aggravate it not answer calls for hours when it rings its just criminal what theyre pulling in this bank needs to be reprimanded at best. 
Colorado Bank of the West is worst bank Ever They took my social security check to cover a hackers accessing and spending my money from XXXX ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XXXX XXXX and Equifax ) on/around XXXX XXXX, 2020 and a second request was sent via certified mail on XXXX XXXX, 2020. 
In my letter sent and received by XXXX XXXX and Equifax I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 5 months from my first written request and more than 3 months since my second written request and I still have not received any responses. This will now be my third attempt to resolve my concerns ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXX XXXXXXXX Balance : {$9000.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX Balance : {$4000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have charged off in my account from Wells Fargo and I had settled this debt with them in exchange for the deletion of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Big Lots Credit Card administered by Commenity Bank filed a 30 day late payment with m y XXXX bureaus. It dropped my credit score by XXXX points in one day and caused XXXX credit card called XXXX to close my account when they inquired. I lost a line of credit. I called them and told them I had all the statements and checks where I had paid them for the past XXXX years and I even sometimes paid them twice in one month. They told me they would write to the XXXX bureaus and fix the erroneous information and they believed the error happend due to a system upgrade last year. They wrote to XXXX which updated the card to zero balance and removed the 30 late payment ( fraudulent info ) but XXXX and XXXX still show this info and I have filed multiple disputes with both. I can not get them to remove it. I am so upset with this as I will never do business again with Commenity Bank.
Product: Debt collection

I had no Idea this even existed until recently my credit was pulled and i was notified, they never notified me I owed this, I paid it off and was told I would get a deletion letter and now they wont give it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Placed house for same in XX/XX/XXXX. Applied for and received COVID forbearance on home in XX/XX/XXXX. XXXX finally sold on XX/XX/XXXX. I attempted to apply for a new mortgage in XXXX of this year on a primary residence and discovered that Loancare placed derogatory marks on my credit report for each period the home was in COVID forbearance. I have called repeatedly to Loancare, often being told that no one could help and that a supervisor would call. None have, to date. 

When I started to file complaints with Loancare in XXXX, including sending an email to the president of Loancare, the servicing of my mortgage was sold to XXXX XXXX 's on XX/XX/XXXX. XXXX XXXX 's has indicated, in writing and through repeated calls, that they can not adjust comments made by another creditor ; it is up solely to Loancare to remedy. 

As of today XXXX XX/XX/XXXX XXXX, I still have not been able to speak with a supervisor of any capacity at Loancare, and, because the servicing of my mortgage was transferred in XXXX, my phone number comes up as an inactive account in their automated system and they will not speak to me without calling from an alternate number. 

I have also filed disputes with each of the credit bureaus, with no decision having been reached as of today. 

Ultimately, I can not secure a new conventional mortgage for the next 8 months, at a minimum, unless the comments are removed by Loancare. I fully complied with the terms of the forbearance, and ask that my complaint be taken seriously and addressed at once. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo incorrectly used my personal information and incorrectly submitted a hard credit inquiry to credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. 
Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. This account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/18 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 sent a hardship letter stating " I'm going through financial hardship and was a part of XXXX XXXX breach. I see where the item was charge-off from my credit report but I was never sent a 1099. Could please send me one. The way this account is reporting the account balance, acct number, the date of last payment doesn't look familiar, could you please delete this from my account immediately. According to 15usc1681i ( c-2 ) and 15usc1681 ( b ) '' This is a violation of the fair credit reporting act willful Non-compliance because you're neglecting the fact that I'm requesting something that under the law 15usc1681i ( a ) ( 6 ) ( b ) ( iii ) that I can request.

No response from none of the creditors listed on my accounts.

I have not supplied proof under the doctrine of estoppel by silence Engelhardt v Gravens '' is a statement that someone may use to deny the existence of an alleged debt. This item is charge-off on my credit report but creditor never sent me a 1099
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXXXX XXXX XXXX Balance : {$1.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$1.00}, XXXX XXXX XXXX  XXXX Balance : {$5500.00} XXXX  XXXX XXXX XXXX Balance : {$2100.00} XXXX  XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX numerous amount of times about them reporting incorrectly. I reached out to the XXXX  about them Inaccurately reporting a XX/XX/XXXX payment. They eventually deleted the XX/XX/XXXX late payment. After deleting the late payment they started reporting a XX/XX/XXXX late payment which never showed before on my credit report until they deleted the XX/XX/XXXX late payment. 
As stated before i have reached out to XXXX multiple times and they are very rude and unhelpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ALONG WITH XXXX XXXX XXXX AND XXXX ACCOUNTS WHEN APPLIED FOR PULLED 4 REPORTS, XXXX, EXPERIAN, XXXX AND XXXX AND AS A RESULT REPORT TO XXXX TOO.