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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent Items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

This is no written-off/collection yet on XXXX / XXXX reporting as a negative account
Product: Debt collection

The initial notice from Revenue Enterprises ( RE ) was received XX/XX/21. I sent my notice via certified mail disputing the debt 's validity and requesting Validation and Verification on XX/XX/21 ; it was received by RE on on XX/XX/21. 

RE ignored this notice, failed to validate and verify the debt, and mailed a 2nd notice ( received XX/XX/21 ) claiming the the debt to be collectable and threatening interest. I mailed my response via certified mail on XX/XX/21 refuting RE 's claims and notifying them of the Fair Debt Collection Practices Act violation. 

At this time, RE has made no attempt to validate the debt or met my requests that were made in accordance with the FDCPA.
Product: Debt collection

I did a investigation on my credit report and found several items on there to be inaccurate. Under XXXX XXXX code XXXX XXXX ( b ) accuracy of report whenever a consumer reporting agency prepare a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX XXXX XXXX ( XXXX ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( XXXX ) of any information dispute by consumer, an item of the information-is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from file of the consumer. Please remove the following items from my credit report, immediately : XXXXDept of ed XX/XX/XXXX XXXX amount XXXX
Product: Credit card

The customer purchased a service for the sum of {$7000.00} from a Business known as XXXX XXXX on or around XX/XX/year> to assist my business with obtaining 0 % interest funding using what they said was the bankers that they had a personal relationship with and based on my excellent credit could grantee that I could get at least XXXX to XXXX XXXX in start-up business credit for my business and give me a business plan to apply business credit card funding to a list of XXXX Companies. which I was denied credit or could not apply due to the company being in another state. I was told I had to walk into the office to apply, and I realized that XXXX XXXX lied about their relationship with the bankers and just gave me a list of companies to apply to. After I did not see any results or the financing that was promised to me, I expressed my disappointment and requested a refund through my credit card company Navy Federal CU for services not rendered/ the credit card company said that they found no error in the service purchased and stated that the case was closed and put the credit back on my card and reported the $ XXXX matter to the credit bureaus as a dispute. In addition. Efforts were made to show the contract and other documents shared with me in my XXXX XXXX by XXXX funding and they have closed or deleted my file in XXXX XXXX but dumped a list of financial institutions after they closed my file when I requested a refund. Navy Fed CU has not provided the customer the documents or proof used to determine why the customer should not be given back her {$7000.00} since the company falsely advertised their services and did not render the services as promised to the customer to help her business.
Product: Credit reporting 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 these accounts 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. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

paid off XXXX credit but still showing XXXX. balance on credit report
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand that you provide actual proof the information was verified, not a computer generated confirmation.
Product: Debt collection

XXXX XXXX XXXX says I owe XXXX from XX/XX/2022 and its not my debt at someone opened the account in my name without my consent.
Product: Credit reporting 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 the 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 that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$820.00} Capital XXXX XX/XX/year> Capital XXXX XX/XX/year> XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit card or prepaid card

I paid a off my cc which was close to the limit on Monday, XX/XX/XXXX. Sams Club MasterCard took the money from my checking account, applied the funds to my balance, then put a hold on my cc that was not going to be removed until XX/XX/XXXX. There was no notice nor update to me as a customer. 

Their " system '' would not allow the hold to be removed while I was out of town at a sporting event. I could not get a XXXX XXXXXXXX XXXX be made available. I had been a customer since XXXX, but no more
Product: Checking or savings account

Wells fargo keeps freezing my account. Then they just closed it without any notice. I went to deposit money & was told my account was closed no reason at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX never late XXXX   XXXX inaccurate/not mine XXXX XXXXXXXX XXXX XXXX never late
Product: Credit reporting or other personal consumer reports

This is completely inaccurate. 

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

All three credit bureaus are showing wrong addresses My current addresses as of XX/XX/2022 are - ( XXXX ) XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX. XXXX XXXXXXXX, XXXX XXXX, CA XXXX My old address is ( XXXX ) XXXX XXXX XXXX, XXXX, CA XXXX My correct " and only '' phone number ( XXXX ) XXXX This address fiasco is not being corrected by XXXX, Equifax and XXXX .... causing me a lot of problems in opening an online savings account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have did a thorough investigation on my credit report and seen a collection on my credit report that doesn't look right. 

XXXX XXXX Date Opened : XX/XX/2022 Amount {$770.00} I sent the company a cease & desist. This account is not mine. Lastly this account is not reporting on XXXX. ( refer to screenshots to see both accounts via XXXX XXXX )
Product: Money transfer, virtual currency, or money service

2017 I sent a XXXX XXXX zelle to the wrong person on accident. I called zelle and no one would help me. They told me it was basically my fault, oh well they can't do anything about it. Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's 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.
Product: Bank account or service

Dear Sir/Madam, After reviewing this document : XXXX and being a victim of Identity Theft myself, I thought I would take some of the proactive steps to research and resolve the situation. 

I am writing today to ask Scottrade Bank provide me with access to my account so I can review the alleged debts and balances. Furthermore, I would like Scottrade to confirm what amount if any debt they allege to own. 

Scottrade previously claimed that I owe them money, but will not let me access to account to see the specific details.
Product: Credit reporting or other personal consumer reports

Despite my numerous written requests, your organization callously ignores my communications. I urge you to take immediate and decisive action to rectify this situation. Specifically, I request the following actions : Conduct a thorough investigation into the root cause of the issue, including any potential vulnerabilities in your systems or processes that may be enabling fraudulent activities to persist. Implement robust measures to prevent further occurrences of fraudulent items and ensure the security of customer accounts and data. Provide clear and timely communication to affected customers, including updates on the status of investigations and actions taken to address the issue. Offer appropriate compensation or restitution to customers who have been adversely affected by the presence of fraudulent items, such as refunds or account credits. Review and improve your customer support and complaint resolution procedures to ensure that issues are addressed promptly and effectively in the future. I expect a prompt response to this complaint and a commitment from Credit Bureaus to address these concerns with the seriousness and urgency they deserve. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

there's several inquiries I came across on my transunion and XXXX account that was there due to fraudulent activities, It was removed from XXXX but XXXX and transition never updated the accounts and inaccurate inquiries wasn't removed. 

I've circled and underlined all the inaccurate inquiries that was added to my account in the image below.
Product: Checking or savings account

I have a checking account and XXXX savings accounts with Capital One. My wife and I recently completed our estate planning and now have a family trust established as the beneficiary upon our deaths. I have been contacting all of our financial institutions to update the beneficiary. With 7 other financial institutions this has been an easy process and could be done online for all but 1. 

However, it has been difficult with Capital One because the company says they don't allow trusts as beneficiaries. These are our funds and I have the right to designate what happens to them upon our deaths. I have tried online and by phone but Capital One refuses to acknowledge our request. The phone representative said she knows this is a problem and she hears the complaints often but Capital One doesn't listen to its customers. 

Please assist in helping us ensure our funds go where we intend.
Product: Student loan

Hello. I recently transferred from XXXX to Mohela. I've had 120 qualifying PSLF payments since XX/XX/2022. I have tried almost daily to call Mohela to ask if I either ( a ) should just continue to wait for final forgiveness, or ( b ) need to submit another employment certification form before XX/XX/XXXX. The average wait time is over 90 minutes. On multiple occasions the phone just hangs up or gets caught in some error recording loop. I have also messaged them twice and have not heard a response. I have been unable to speak to someone from Mohela. I am trying to identify how long I should wait for my loans to be " zero 'd out '' or if I need to submit another form.
Product: Consumer Loan

After a lengthy battle with Santander consumer USA. I filed several complaints with the office of the president, most recently I was working with XXXX from the office of the president. We came to a settlement agreement for the vehicle to be paid off for {$7200.00}. Well above the total that the maturity date would reflect. this vehicle was sold on XXXX/XXXX/XXXX to XXXX. Santander processed the payment on XXXX/XXXX/XXXX. After Santander received the payment and after I disputed via e-mail and speaking to XXXX directly, I continue to receive statements and when I call my account is still open, my credit report is reporting it as open, And as recently as XXXX/XXXX/XXXX I received another statement and they have increased my maturity date and charged me payments and interest ( after the account was paid and should be closed ), This is a breach of contract! I was over charged via deception ( the requested balance did not match the previous maturity date of XXXX, so they changed the maturity date to XXXX on the XXXX statement, after the car was sold. They breached our settlement agreement, reported harmful and erroneous information on my credit report, causing harm to my income/debt ratio. I reached out to XXXX on XXXX/XXXX/XXXX to correct this matter, he failed to do so, he breached our contract and the deception only increased. I now feel that the overage I paid of {$2400.00} should be returned to me. Previous balance {$360.00} X 13 months ( maturity date of XXXX ) totaling {$4700.00}. {$7200.00} ( amount paid by me ) - $ XXXX {$2400.00}. My credit report needs to be updated and I would like a correct statement sent to me as closed and paid as agreed.
Product: Credit reporting

Equifax continues to report information on my credit file thats was submitted with an Identity theft report and a police report case number. 

It has been over a month since submitting the documents to Equifax and have not blocked the fraudulent accounts. 

Police case # XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 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 information relating to any transaction by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out that Equifax had the wrong name, social security attached to my name not only that different aliases and addresses as well. I contacted Equifax and I was advised to send in proper documentation via Fax to prove my identity and I was in compliance. I went to XXXX OfficeXX/XX/XXXX and paid to color copy of my SSN with my DL and send the fax to Equifax Dispute Department. I then contacted Equifax again days laters to see if they had received my documents and they hadnt, so I waited again. Days had past and then I receive my 1st confirmation email from Equifax, So I thought they had initiated my disputes and definitely my documents. So I called back and gave the 1st confirmation number and they had informed me that they had updated my information and received my documents and that now Id have to wait until the other investigation was done ( which I didnt know I had 2 different disputes ). So 2weeks go by and I receive another email with an estimated time of XX/XX/ for the last dispute to be fixed. So they had ( 4 ) collections removed but the still have my social security number incorrect and the same credit report with all the fraudulent medical collections are being pulled from Equifax to my credit union, denying me everything. Twice. The report still shows the same information that I hadnt the same ( 2 ) disputes about. I called almost everyday since XX/XX/XXXXand I keep getting the run around and Im always talking to to someone from out of the country who barely understands what Im talking about or saying.
Product: Credit reporting

I had a credit score of XXXX in XX/XX/XXXX then all of a sudden it dropped in the XXXX due to a tax lien from XX/XX/XXXX of {$170.00} which shows paid. I never received anything about a tax lien from anyone. My taxes and insurance were being paid by my mortgage company. If this happened in XX/XX/XXXX why all of a sudden is it on my report? I would like it taken off my report immediately. Thank you for your assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the following credit inquries on my consumer report that I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My XXXX daughter ( XXXX XXXX ) and I met with XXXX representative and district manager XXXX XXXX when she and another rep showed up un-anounced at our home. They wanted my daughter to sign up to sell avon, since she is XXXX XXXX they told us that the account would have to be set up in my name. I told them we were not interested. We started receiving bills in my daughters name from a collection agency. I have called the collection agency and avon to get them to remove this account and the balance and have been unsuccessful. XXXX XXXX will not return my phone calls and she is the only person that can remove the balance from the account. The account is unactive and has been closed but the bills keep coming and it will start to affect my daughters credit very soon.
Product: Checking or savings account

On XX/XX/2021 my phone and bank card was stolen by a relative. A police report was made. Case number and individuals name were provided to citibank. 3 atm withdrawals were done for XXXX each. Citibank originally credited back stolen amount then reversed charges indicating card never left my possession. This is untrue and police report if the ever obtained it reflected that.crockett texas police dept
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please delete the accounts below : TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX