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

I reached out to Transunion via certified mail and by phone. By phone on XX/XX/XXXX informing them I was a victim of their Inquiry issue and that the inquiries listed below did not belong to me and need to be deleted immediately. They told Me there was nothing they could do and lied to me about being affected by the inquiry issue I ask that you follow the FCRA 611 and remove this unlawful added information off my report. 
XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX I also sent a certified letter to TransUnion on XX/XX/XXXX to dispute & demand Removal of many negative items from my report due to identity theft and the revived my letter and signed for it, as I have proof on XX/XX/XXXX I called and spoke to a manager two times and they refused to delete the items even though its been over 45days since I reached out to them and got no response they lied and said they go nothing but XXXX XXXX signed for it at XXXX on XX/XX/XXXX the USPS said two signatures were given one at XXXX XXXX  XXXX and second was by XXXX. XXXX later that day. Ill include photos of the receipt delivery signature and confirmation from USPS Im going to peruse legal action against TRANS UNION if My demands for removal of the negative items in my dispute are not met IMMEDIATELY. I again paid for out of my pocket more money to send another certified sign upon delivery dispute containing the original Dispute & proof it was delivered. Please look at the dispute and see the collection accounts and miss reported information on my report that needs to be removed and please give me the right I deserve and make them share 100 % accurate information about me not 98 % 22 % or 0 % but 100 % true & accurate information. 
Thank you XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I wrote a letter from my location at the XXXX XXXX XXXX Federal Low Security Prison to DISCOVER CARD ( see attached ), requesting copies of my statements for XXXX, as I had been incarcerated since XX/XX/XXXX and upon reviewing my Credit Report, I discovered past due amounts that could only be by fraudulent purchases that I did not make, as I was incarcerated. DISCOVER CARD never sent me the requested Credit Card Statements for my review and therefore, I was not allowed an opportunity to review these charges and dispute, accordingly. DISCOVER CARD did not reply to my request for account statements within the 30 days required for a response, therefore they have not acted within the requirements under the FAIR CREDIT REPORTING ACT, and are therefore in violation of the FCRA. 

Further, I notified the FBI of these crimes and others in the attached letter to Special Agent XXXX XXXX of the XXXX XXXX XXXX XXXX in XXXXXXXX XXXX XXXX.
Product: Debt collection

This debt collection company placed an account on my consumer reports without notifying me. I was never given the opportunity to dispute the alleged debt and did not receive any information regarding the alleged debt in general. The debt collection company is in violation of the Fair Debt Collection Practices Act 15 USC 1692g and FCRA 15 USC 1681s-2. I want a certified receipt with my name and signature on it as proof that they sent notice to me in the mail regarding this debt. If they can not provide this information, I want them to remove the tradeline from all consumer reporting agencies immediately. You are damaging my reputation per 15 USC 1692d ( 1 ). I have also attached a debt validation letter to this complaint to answer to. I want them to validate the alleged debt as well. I was not given the opportunity to dispute this alleged debt
Product: Prepaid card

XX/XX/year> XXXX XXXX XXXX charged my cashapp {$230.00} for a reservation that had already been canceled within the allowed time frame of free cancelation. This charged overdrafted my cashapp {$140.00} For the past 76 days I have been emailing back and forth between XXXX XXXX XXXX XXXX XXXX & also chatting with Cashapp. XXXX XXXX has been telling me it has already been refunded, they understand my frustration but it has been taken care of as far as they were co concerned on their end & they recommend contacting my financial institution in regard to the refund not being back on my card balance. So cashapp was telling me the same thing, they seen no pending refunds from XXXX XXXX or any other merchant, recommending me to once again contact XXXX XXXX XXXX. Then this afternoon I get a email from XXXX XXXX XXXX with a reciept ( finally after asking approx. XXXX times ) stating my money was voided and the money was to be refunded back to my card. Now cashapp says they can nor help me any longer. I need to wait XXXX days to dispute this. XX/XX/XXXX was 76 days ago. Long over the XXXX XXXX days they say I have to wait. I am so frustrated with this situation. Please help me!
Product: Debt collection

On XX/XX/XXXX, I sent the credit bureaus a letter asking for the debt on my credit report to be validated. On XX/XX/XXXX, the collection agency failed to validate the account. The collection agency, sent a letter which included, the original creditor, creditor account number, Credence reference number and balance. The collection agency failed to connect this account directly to my with a -Proof of your right to own/collect this alleged debt, balance claimed including all fees, interest and penalties, or contract bearing my personal signature.
Product: Checking or savings account

Chase Bank has charged me a total of {$6600.00} over course of last XXXX and a half year over my XXXX business checking account namely XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX. 

XXXXXXXX XXXX XXXX XXXX  - {$4300.00} - Account # XXXX XXXX XXXX - {$2200.00} - Account # XXXX This charges were not in accordance with any rules of bank. They just kept charging a fixed amount every month for XXXX and a half year. This started during the XXXX time.
Product: Checking or savings account

I been lied too since XX/XX/2023. With the misleading info that I am enrolled in overdraft protection service. When this court litigation im involved in. Coincidentally started having difficulties with my checkings account. Multiple problems platinum debit card declining. At branch ATMS Even after making {$200.00} dollar cash deposit. Transaction failed and declined. Mobile phone app Wells Fargo app website. Clearly says my checkings account not eligible or enrolled in overdraft protection service. Making those changes not accessible Mobile app.On several different occasions bankers stay mute speechless. When questioned relating to what the disclosures say in writing. What's going on here I been flagged and my bank account modified. This is very unfair and very inconvenient. According to your guidelines and rules. Unfair banking service should be submitted to your agency in writing.
Product: Checking or savings account

1. Bank of America ( BoA ) was not able to protect the confidential information of my XXXX XXXX XXXX and XXXX Account in BoA. A hacker was able to obtain this information known only to BoA and myself to know when my XXXX deposits were made and set up transfers from my XXXX Debit Card account to a checking or saving account named State of CA XXXX Unemployment. A summary of all the transactions is attached. A total of {$7400.00} out of {$11000.00} were taken by the hacker. I do not have a checking or saving account at BoA. 
2. Bank of America has enough knowledge to recognize the initial few unauthorized transfers of money to be illegitimate and canceled my first EED Debit card account around XX/XX/2022. When I inquired, they issued me a second card in XXXX or XXXX. However, the hacker was able to immediately obtain the information on this new card and continue to withdraw money from my XXXX XXXX XXXX account. 
3. I notified BoAs XXXX XXXX XXXX Customer Service about these unauthorized withdraws in XX/XX/2022. After BoAs investigation, they sent me a letter saying the withdraws were not errors, even though hundreds of thousands of other XXXX accounts had complained about this problem. I requested information they used to arrive at their decision, but no information was ever provided to me. ( Letter attached ) 4. I made a second requestion to BoA to reconsider their conclusion in XX/XX/2022. Again, they came to the same conclusion and provide no information they used to arrive at their conclusion. ( Second letter also attached )
Product: Debt collection

I never had a XXXX account of my own. My cousin had opened the account in my name using my social security number that he stole from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These following items listed below are unknown to me.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX  XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX FED XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

XXXX the XXXX ' {$600.00} was taking out my checking account from a bank in Florida. XXXX XXXX XXXX # XXXX XXXX. I didn't get a alert of fraud. I call to file a dispute with moneynetwork.com and a case # was created. 
XXXX # XXXX I dont live in Florida Haven't been to Florida for vacation and my cards were in my wallet with me.please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Los Angeles Collection Service : This debt is past California 's statute of limitations. I was unaware I owed this debt. However, I had my credit pull in XXXX of 2019 and it was NOT on my credit and it was reported later on in 2019 - Even having been past the statute. I do not owe this debt. This debt needs to be removed from my credit file IMMEDIATELY!
Product: Debt collection

I requested verification of the debt in XXXX of XXXX and XX/XX/2022. I have yet to receive anything showing I owe Portfolio Recovery anything. No signatures from me. I've attempted to resolve this with the credit bureaus to no avail. I gave verbal cease and disist over the phone and they have not complied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last 6 months have been trying to get XXXX XXXX to correct the information they are displaying on my credit report. They are stating XXXX is the loan servicer, XXXX is listed on the credit account. Now, This has been transferred to a government entity and payments are current! If was suppose to pay XXXX or XXXX then how do I suppose to pay them???? <P/>Please provide detailed information on how this investigation was conducted with the following : 1. Names of people conducted investigation for the information displayed on my credit report 2.  Dates, times, and e-mails when these conversations has taken place? <P/>3. Last date of activity for this account? Which is not displayed on the credit report why?? <P/>4. Explanation on how to can you " MARK ACCOUNT LATE '' when you do n't have control over the account and have not provide a payment method to kept the account current? <P/>5. Please provide the original documentation sign by XXXX XXXX. <P/>6. Please provide the date and time when the account was transferred from XXXX to a government servicer. <P/>7.Please provide the proof and accurate information schedule payments that were missed. This should be displayed by financial statements from your accounts. <P/>8. If the BALANCE OWE IS XXXX??? HOW CAN YOU BE LATE? <P/>This does not make sense at all and should be investigated all my accounts are to date and XXXX XXXX is violation of the FCA. From this point I will consultant the attorney that sued Equifax for XXXX XXXX dollars because they refused to remove inaccurate information of her credit report.
Product: Mortgage

This complaint is about Shellpoint Mortgage Servicing I got my original mortgage from XXXX which has since been sold many times without any clear notification. I understand Shellpoint Mortgage Servicing is currently collecting payments and I have been requesting them to release the lender information to me for past several days. The original request was submitted for information to be released within 24 hours, I have been waiting forever and the mortgage servicer is not willing to release the information to me. 

As I understand, this is my mortgage and I am the legal owner of the loan to know who is the lender on my mortgage. Shellpoint has been hiding this information and sending me in loops to get access to my own legal information.
Product: Debt collection

I get calls before I even wake up. It's stressful and makes my day difficult.
Product: Student loan

I attended a similar private school like XXXX, called XXXX College ( in XXXX ). I attended XXXX College after being brain washed and convinced by all the commercials in the early morning shows, such as " XXXX XXXX '' and " XXXX XXXX. '' I was young and naive. After the tour, and all the successful stories told by the sales person ( lies of course ), I soon applied. A XXXX realized that the school was not accredited by the state and my credits could not be transfer to other colleges. I should 've got the hint when the whole night class would meet and gather in the conference room every few months and speak about transferring to XXXX XXXX or XXXX. Which of course the dean ( principal ) of the school would answer with a " that is a work in process. '' This whole time I was mislead by the sales people, teachers, and financial aid personnel, thinking I would a get XXXX in " XXXX XXXX '' in XXXX YEARS! Later to find out it was NOT TRUE. That certificate/diploma would not be recognized by employers because it was not approved by the state as an official XXXX. 
XXXX months, {$20000.00} ( school fees ) + {$12000.00} ( interest XXXX ) dollar in private loans, and debt later, I realized this school was a scam and quit attending XXXX College. 
XXXX, XXXX XXXX, now with Navient should not associate themselves with corporate companies that take advantage of low income students.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a fraud report with the ftc and they still havent took the fraudulent accounts off my report please this is hurting me from taking care of my family and hurting me in my everyday like I need those thing took off my account so I can get a credit card and auto loan for myself its been thirty days and they still havent removed the items
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

For years I have been paying a lot for insurance. I kept getting told by all the insurance companies that it could be that my credit is not so good due to them running a consumer report during the quoting process. Every time I would get a quote it would come back high or ineligible. I have always paid my accounts on time. I decided to get my report pulled and out of surprise there is a lot of things that do not belong to me. Please remove these items from my credit report.
Product: Credit reporting or other personal consumer reports

" I previously challenged the erroneous and incomplete information on my credit report, yet [ Equifax/XXXX/XXXX  ] did not correct it, thereby violating the Fair Credit Reporting Act ( FCRA ). To support my challenge, I provided clear evidence, including : - Marked credit reports that highlight all discrepancies and inconsistencies. 
- A formal dispute letter outlining the errors and specifying the necessary corrections. 
- Copies of my government-issued ID, Social Security XXXX XXXX and proof of address to verify my identity. 

Despite submitting all the required documentation, the inaccuracies and omissions remain on my credit report. Under the FCRA, my report must be accurate and complete, and the failure to make these corrections constitutes a violation of the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching a copy of the investigation request we sent to the credit bureaus on XX/XX/XXXX. They are supposed to respond within 30 days, but its been 60 days, and we don't have a response yet.
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. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Equifax + XXXX XXXX, On my XX/XX/XXXX Equifax credit report it says I have a 90 day late pay on XX/XX/XXXX as well as a 60 day on XX/XX/XXXX from this account below : - XXXX XXXX XXXX  xxxxxxxxxxxx XXXX Attached to this complaint I have a letter from XXXX XXXX dated XX/XX/XXXX that clearly says they have requested the removal of delinquencies previously reported on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

The XX/XX/XXXX and XX/XX/XXXX as of XX/XX/XXXX has yet to be removed. 

Attached to this complaint are : - my drivers license - my address - my W2 to show social security number - my complaint letter - letter from XXXX  XXXX - screen shot where it shows on my Equifax credit report Please have this handled, as the letter from XXXX XXXX says, immediately as this false information is damaging my credit and my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Equifax and written Equifax many times to get an address off my credit report and have also requested a copy of my credit report. I sent documents providing proof that this was my information. I called and spoke with XXXX at Equifax on XX/XX/2019 and was told they would send me my report and proof that the address has been deleted I have a confirmation number XXXX
Product: Checking or savings account

I opened an account with Bank of America which was promptly closed as soon as I put money into it. I went into the bank and the bank manager opened me a new account saying this will not happen again. I then started moving my assets into this new account, including cash deposit and paycheck deposit. Less than 5 hours after I made the cash deposit they decided to close my account and told me they are " mailing a check '' with my funds on it. I did not bring cash in there 5 hours ago just for them to mail it back to me in a check. I suspect this bank is committing fraud on a regular basis and I demand compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

From : XXXX To : Consumer Financial Protection Bureau Sent : XXXX XXXX, XXXX XXXX Subject : Dispute of results : Case # XXXX Thanks for your help : Case # XXXX Dispute of results. 

Having reviewed your report -- -I would like to dispute the report sent from Ditech . 
1 ) They fail to state the Mortgage balance I am anxious to know -- they can not surely state that they are using the XXXX value of {$290000.00}, as they have continued to state as the true balance every time I call to try to get another agency to refinance this loan. 
2 ) I have paid always paid my mortgage on time and must have accrued some enquiry since XXXX ( XXXX to XXXX ) I did file bankruptcy in XXXX XXXX -- here the rate plunges from 6.125 % to 4.250 %, causing this Mortgage balance to reduce. 
Then also the secured balance was $ {$260000.00} -- so it can not be above that sum. 
With the adjusted interest rate to 4.250 %, this balance should be {$240.00} or less as indicated from the print out they sent to me for Ditect after -- XXXX inquirer. 

3 ) So, I am disputing their report for further information : -- - What is the true Balance of this loan? 
-- - What is the % of the loan? 
-- - Why do they continue to tell me, and list the sum of {$290.00} as the balance of this loan? 
-- - I would like the true sum to be posted, so that when ever I call or whom ever checks on my behalf will have the accurate balance. 

XXXX Case # XXXX
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX