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

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a XXXX of identity theft and did not make the charge. I ask that the items be deleted to correct my XXXX XXXX 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions XXXX XXXX XXXX. Please delete the items as soon as possible.
Product: Credit card or prepaid card

I was recently called by a person impersonating an employee from the fraud department at Goldman Sachs Bank. The number they called from was ( XXXX ) XXXX. They convinced me that there were multiple large charges on my Apple CC and sent me a link to change my password, which I stupidly did. They put me on a long hold at which time I began to suspect it was phishing. I immediately hung up and called Apple support. My credit card was deactivated, but Apple refused to help me recover my AppleID even though they could clearly see that my recovery information had just been changed. They wouldnt even lock the AppleID so that the person committing fraud would be stopped from accessing all of my bank info, saved passwords, and online accounts. Im sure Im not the only person that has been scammed by whomever the XXXX phone number belongs to. The biggest lesson I learned is that no matter how many years you have used Apple nor how much money youve spent with them matter. They were more interested in protecting the scammers rights to my account than in helping me. The did send me a link to educate me about phishinga little late for it to be of any help
Product: Credit reporting or other personal consumer reports

I recently filed a complaint with Eqifax stating for them to update my personal information on my credit report due to them stating that it wasn't me who requested the change. This is not correct. I did request change. I sent my initial letter on XX/XX/XXXX. Since that date, Equifax then responded on XX/XX/XXXX stated that I didn't submit the correct information for the change. I sent the following documents : Drivers license, social security card, and a bill to verify my address. All of which they required to make any changes.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX of Inaccurate Reporting Dear Credit Bureaus I am writing to formally dispute inaccuracies in my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ). After reviewing my credit reports, I identified several charge-offs that contain incorrect information. 

The following accounts require your immediate attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : The balances reported are inconsistent, and the status is inaccurately listed as a charge-off with current payments. This needs to be corrected and removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : The reported amounts are inaccurate and need to be removed from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The report contains conflicting information, indicating both charge-off and open status. This incorrect information must be deleted from my credit report. 

According to the FCRA ( 15 U.S.C. 1681e ( b ) ), you are required to ensure maximum possible accuracy in reporting. If you can not verify the accuracy of these accounts, I request that you delete the inaccurate information promptly. Please provide me with all information your bureau used to verify these inaccuracies, including any METRO 2 compliant evidence, within the required 30-day period.

Failure to comply with this request for deletion will result in my legal team taking action, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the Attorney General of North Carolina, as well as pursuing any further legal actions deemed necessary, including civil punitive damages. 

Upon completion of your investigation, please provide me with an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Vehicle was repossessed and sold. Lender is reporting incorrectly, incorrect dates, status and balance owed.
Product: Student loan

I have called and e-mailed my student loan servicer ( Mohela ) numerous times about my current loan balance. I was previously on the XXXX plan and was placed into a forbearance with 0 % interest. However, over the last XXXX months, I have continued to accrue interest on my account despite my loans being in interest-free forbearance until the courts can make a decision on this issue. So far, no one has removed the loan interest accrual from my account. I have received re-assurances that everything will be waived, but there is no written documentation that they have given me, nor any update on their end of things to remove the additional {$1500.00} that has accrued on my loans already. It is over a XXXX hour wait to reach them via phone and I had to send a message through their portal weeks ago that still has no response.
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Chase has not credited me {$390.00} for a refund from XXXX on XX/XX/2020. The refund was sent to a closed credit card. Chase said they would send me a check. No check arrived. Chase said they purged the credit card ( meaning they deleted all information, including the refund ). Chase said they will not credit me {$390.00} now. I have the refund receipt from XXXX still.
Product: Money transfer, virtual currency, or money service

I was selling a China cabinet on XXXX XXXX. A XXXX offered to purchase. We wrote via XXXX XXXX XXXX messenger. She asked if she could send a check. I said sure she waited a couple days to send it. She advised that she sent it with extra money in order to provide cash to the shipping company once the item is picked up. I received the check via United States Postal Service tracking number XXXX. 
I deposited the check on XX/XX/XXXX sent a receipt via XXXX XXXX messenger to XXXX. She said that it will probably clear by Monday Tuesday morning. On XX/XX/XXXX It looked as though the check cleared and the money was in my account. She then proceeded to tell me that the shipping company needed the money upfront to send {$500.00} to see if it goes through via, Zelle. So I sent it to the phone number she provided, which is as ( XXXX ) XXXX. She asked me to send her a screenshot. After that was sent she said go ahead and send {$1000.00} and you can give them the other XXXX at the time they pick up the item. She then came back to the me, and stated that the shipping company wont set up the appointment without the full amount. To go ahead and send the other {$500.00} which I did. She said that the shipping company kept on telling her they didnt receive it. I said they need to call their bank and verify. She then advised they received and shipping will be set up Wednesday the XXXX. I messaged Wednesday morning and it said it Couldnt Send I look at my account and the check was returned and my account was negative. I called the bank and submitted a claim and XXXX sent a letter stating No Action will be taken. I have all the messages and the envelope the check came in. I really hope someone can help me out or direct me of what i can do next.
Product: Prepaid card

Have purchased 9 Vanilla Visa gift cards in XX/XX/2023, none of the cards worked and they were locked on 1st try to use. Have called customer service to unlock the cards, but they couldn't do that, so they've sent me replacement. A few week later have received replacement. Now in XXXX have tried to activate cards received as replacement, but that couldn't be done, so I'm unable to use gift cards purchased. Don't want another replacement, would like full refund including activation fees, since purchased product can't be used
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$430.00}
Product: Debt collection

I do not know how Penn Credit Corporation obtained my information. I've never resided in Pennsylvania and I have attempted to identify the breach of my information. I have also challenged this derogatory with the credit bureau 's who validated the debt without investing at all, rendering a verdict within days ( Report NumberXXXX Date generatedXX/XX/2020). According to FCRA I am entitled to due process in reference to Pennsylvania law should not reflect due to statue of limitations. I've never received literature to upload on this complaint.
Product: Mortgage

I have been trying to complete a streamline FHA refinance since XXXX of XXXX with no success, with two attempted applications and two different loan officers. Every month they miss deadlines, then tell me my paperwork is expired, which I then re-submit. Then they will take over a week to " review '' a single page document, only to report something else is now expired. It's circular, over and over. I call every other day or updates and I'm told everything is great, given estimated closing dates, etc. Then a few days go by and its back to square one.  Resubmit, wait for the review, miss the XXXX of the month, and start over again. 

Today being the XXXX, I just experienced the XXXX month of this circular XXXX and watched my closing disclosures change by over XXXX XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my XXXX XXXX & Experian credit profile with XXXXXXXX XXXX XXXXXXXX XXXX. I wrote many letters to both companies and the actual collection agency and submitted a prior complaint to you ( CFPB ) and I'm not getting any answers that make sense. This collection company can not validate this debt. The documents that they are providing can be easily downloaded and manipulated. Any of the documents provided DO NOT have my signature or personal information attached just my name. Also, this company just re-aged my debt to XX/XX/2021, as if it's a new collection account. This is illegal and doesn't not me FCRA guidelines. I want this collection account deleted from my profile. I also hired an attorney to help me since no one is trying to do anything and will be filing a lawsuit against XXXX XXXX, Experian and XXXXXXXX XXXX XXXXXXXX XXXX for not doing their due diligence in this matter. 

XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX-re-aged and you can tell from my previous complaint. 
{$2000.00} I also want them to stop mailing be bogus statements every month. 

Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim XXXX XXXX XXXX of Debt XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX  ) XXXX BALANCED {$3400.00}
Product: Debt collection

Never received any notice that {$370.00} was owed, not a phone or notice, just got a notification that a had a bad collection on my credit XX/XX/XXXX, I have ask for validations of debt several times and I have not received anything I have even offered a pay to delete XX/XX/XXXX and it was refused. I need this off my credit or the debt needs to be validated. 

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

there is a company by the name of XXXX XXXX stating i owe then for account that i never had that was XXXX XXXX amount XXXX XXXX XXXX  XXXX XX/XX/XXXX another account that is fraud XXXX XXXX  XX/XX/XXXX amount is XXXX and XXXX XXXX XX/XX/XXXX amount XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2020 I received an alert that my XXXX XXXX/XXXX   bank credit card was reported as delinquent. This brought my credit score way down. The account is not delinquent. I tried submitting a dispute on XXXX  but unable to do so. This account should not be reporting as delinquent Ive also had many issues resolving a problem with this bank in the past.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX 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 XXXX XXXX, XXXX XXXX, XXXX XXXX. from XXXX XXXX XXXX with a balance of {$410.00}, XXXXXXXX XXXX XXXX, with a balance of XXXXXXXX XXXX XXXXXXXX, with a balance of {$2300.00}, XXXX XXXX, with a balance of {$1900.00}, XXXX XXXX, with a balance of XXXX. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being 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 XXXXXXXX ] 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: Debt collection

I am writing to formally dispute the reporting of the collection accounts listed under The Bureau and XXXX XXXX XXXX. This dispute is based on the following violations : Failure to Provide Notice of My Right to Dispute Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, a debt collector must provide a written notice of my right to dispute the debt within five days of initial communication. Neither The Bureau nor XXXX XXXX XXXX provided me with this legally required notice, which is a direct violation of my rights under federal law. 

Unlicensed Collection Activity in Florida According to Florida Statutes 559.553, all collection agencies must be licensed to collect debts in the state of Florida. After researching both The Bureau and XXXX XXXX XXXX, I found that neither company is registered or licensed to operate in Florida. Since they are engaging in unlawful debt collection practices, these accounts should not be legally reported on my credit file. 

I have attached evidence, including screenshots confirming that both The Bureau and XXXX XXXX XXXX are not licensed in Florida, as well as records showing their failure to provide written notification of my right to dispute the debt. 

Given these violations, I am requesting the immediate removal of these accounts from my credit report under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, which requires credit bureaus to correct or delete inaccurate, incomplete, or unverifiable information.
Product: Money transfer, virtual currency, or money service

I opened an account with {$50.00} and the fees and everything is to expensive. I tried to close my account and withdraw funds. Now they are sad I need to add more money to be able to withdraw or get refunded
Product: Credit reporting, credit repair services, or other personal consumer reports

This is reported with inaccuracies. I sent all 3 bureaus a dispute and asked them to do a full investigation, verify, and remove the incorrect information. After I received their results with no changes I did my own due diligence I found improper inaccuracies remained as derogatory on my reports. They did not provide proof that this account was ever late. The 3 credit bureaus did an improper investigation.

According to the Fair Credit Report Act Account # XXXX .... violated my rights - 15 USC Section 6028 States that I have a right to privacy. 15 USC 111681 Section 0 604 Section 2 also states the consumer reporting agency can not furnish an account without my written instructions. 

Account name XXXX XXXX XXXX  XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status XXXX through Bankruptcy XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Address identification number XXXX Type Deposit Terms 1 Months On record until XX/XX/XXXX Credit limit or original amount {$98.00} High balance XXXX XXXX Monthly payment {$0.00} Recent payment amount Not reported Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 
Account history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Payment history guide Charge Off as of XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX
Product: Checking or savings account

My husband and I have very similar names ( I am XXXX XXXX XXXX XXXX is XXXX XXXX XXXX and of course the same address. 
Capital One has somehow merged my personal accounts with his and I have lost access to everything. I have tried unsuccessfully for over a month to get this corrected with Capital One. 
Each time I contact them, I must go through a SLEW of holds and transfers, sometimes taking hours. Only to be met with MORE instructions on things that I NEED TO DO and timelines that I have to wait for these changes to be processed. During all this time, I have not had any access to pay my credit card account ( can not find out balance, make payments, etc ). The main issue that I am having and the reason I am making this complaint is because I have also not had access to my savings account. You can imagine during this economy and during XXXX time how having access to my savings account would have been important. Essentially Capital One has over {$10000.00} of my money that I can not access, and no one is capable of helping me correct the issues which were caused by their agency. This honestly seems criminal to me.how can a FDIC insured bank be so irresponsible with someones money and private information and so incapable of making a correction. 
Please see attached list of the NUMEROUS times that I have contacted Capital One and the hours spent speaking to them with no resolve. 
At this point, this is ABSURD that no one can fix this issue and I am still being denied access to my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I am a victim of fraud. I used XXXX Docs to apply for loan forgiveness. I never received any confirmation nor did I receive any bills or payment notices. In XXXX I was trying to apply for a VA Mortgage Loan and was told that I owed {$16000.00} to a collection agency in regard to my student loans, and was denied a VA loan as a result. I contacted the collection company and asked for documentation to validate the debt. The documents they sent me were fraudulent. I never applied for a consolidated loan. I did not have any part in the documents and the information was incorrect, incomplete, and there was no signature, and no repayment plan selected. The email used on the documents was XXXX which clicked when I got a notification from the FTC stating that XXXX Docs had me listed as a client in their lawsuit for student loan scams! I sent this information to to collection agency demanding they remove it from my credit reports and found that they never reported to my credit? But that it is listed as two separate loans from Dept of Education one for $ XXXX and XXXX for $ XXXX. I disputed this with the credit bureaus and even sent them evidence of the fraudulent documents. Yet, now the accounts have been reinserted on my credit report as OPEN and DEROGATORY. I NEVER applied for a consolidated loan. I only applied for loan forgiveness since my school was shut down. In XXXX my military pay was taken and I was told it probably went to taxes owed. It wasn't until XXXX when I realized it was the deducted to pay this loan which is not mine!
Product: Credit card

I moved from XXXX XXXX XXXX in XXXX. After the move, I updated my address with American Express. It is a house in XXXX, not a XXXX XXXX XXXX Two days later, I got 2 mails from American Express, claiming that I was using a XXXX XXXX XXXX XXXX of my account ( XXXX and XXXX ) and I have to update to a physical address or my account would be suspended. I immediately called American Express, and the representative claimed everything looks good and told me not to worried. It cost me one hour. And one month later, I got 2 mails again from American Express, threating me of closing my account if I don't change my address to a physical address from a XXXX XXXX XXXX Again I have never used a XXXX XXXX XXXX I called again, and the representative put me on the line for one hour and claimed that the issue would be fixed for sure. It cost my another hour. One month later, I got another mail from American Express saying my account ( XXXX ) was suspended due to having a XXXX XXXX as address. This is more than ridiculous at this point. I called again, and this rep XXXX said she cleared the alert and fixed the credit limit. When I asked her how to prevent this from happening again, she refused to help. This wasted me another half hour. Plus, I have a pending purchase on this card, if the credit limit was not successfully restored, it would cause me real financial loss. I am still waiting to see what is going to happen.