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

ON XX/XX/year>XXXX  MY ACCOUNT WITH XXXX XXXX CREDIT AND SYNCB / CAR CARE DISC CHARGED OFF BOTH ACCOUNTS, HOWEVER THIS IS ACTUALLY CONSIDERED INCOME BECAUSE I SHOULD HAVE RECEIVED A 1099 C IN ORDER TO ACCOUNT FOR THIS AS INCOME. THIS IS NOT A CHARGE OFF AND I'M REQUESTING THAT THIS IS REMOVED BECAUSE IT IS NOT DEBT. THIS IS CONSIDERED INCOME AND INCOME SHOULD NOT BE REPORTING ON MY CREDIT REPORT.
Product: Credit card or prepaid card

I received an unemployment benefit card that I did not request. It is a U.S. Bank ReliaCard. 

I suspect someone is using my identification to fraudulently claim unemployment compensation. 

I am alerting you so that action can be taken to prevent payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed my information to be stolen, failed to give timely notification, and worst of all are wanting me to sign up for credit monitoring owned by them with a credit card so they can start charging me on year two if I forget to notify them properly. They al so are not notifying people of XXXX and birth dates are stolen only credit cards
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the national credit report request number to obtain my free credit reports for this year because I am suspicious of fraudulent activity. I requested for all 3 reports and it has been almost 2 months since then and I still havent received them. Im concerned someone is using my information and just need to check my credit reports.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$560.00} XXXX - XXXX - XX/XX/XXXX - {$10000.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$940.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$12000.00} XXXX - XXXX - XX/XX/XXXX - {$71.00}
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted onXX/XX/2024XX/XX/year>. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX XXXX - XX/XX/year>XXXX XXXX XXXX  - XX/XX/year> Section XXXX ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section. 

I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On XX/XX/2019, XXXX repossessed my car and said that I had to pay to get my car back. This is not where the fraud ends! Pursuant, 15 U.S. Code 1605, finance charges are explained. Built into the finance charge is an insurance that protects the lender in the event the obligor defaults. XXXX sold my car in auction. I defaulted on XX/XX/2019. Which means XXXX received insurance money! They took it even further and put it on my consumer report stating it as a charge-off. Well, according to the IRS, when a creditor cancels a debt or file a form 1099c on any amount over {$600.00}, they must send the obligor/consumer a form 1099c. {$13000.00} was written off. I never received my form 1099c for this cancelled debt! A cancelled debt means exactly what it says, a cancelled debt! So, how did they coerce me into paying the balance? They have deceived me, and they have frauded me! In addition to the insurance money they collected, the IRS classifies a charge-off or cancelled debt as gross or income! You are reporting a charge-off on my consumer report. Income does not get reported on my consumer report! This is inaccurately reporting this account! Furthermore, XXXX has committed tax fraud! They have this account reporting on my consumer report as a cancelled debt, meaning that portion of the debt has been cancelled.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX is on my credit report twice as a hard inquiry and they stated they only ran my credit once on XX/XX/2022 but XX/XX/2022 is appearing on there as well. Please remove XX/XX/2022 immediately. Also, XXXX XXXX ( XXXX ) is also showing as a hard inquiry on XX/XX/2022 and I reached out to them and it's still appearing on my credit. I don't have an account with them and canceled my application before they were suppose to run my credit.
Product: Checking or savings account

US Bank took over the CD 's I had with XXXX XXXX XXXX. When 5 of the 10 CD 's matured on XXXX XXXX, 2021, I called US bank and told them I was calling about the matured CD 's. After they told me the going interest rate, I told them to send me the CD 's. Not only were the matured CD 's sent to me, but also the 5 unmatured CD 's. When I received the checks that had not matured, I immediately called and asked what could be done. I was told to not cash the checks, but to return them to the Customer Care Unit at the following address : US Bank 24 Hour Banking, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. I was also told to include a note requesting the CD 's be reopened ( which I did ) and they would reopen the CD 's retroactive to the date closed. I started having conversations with XXXX XXXX XXXX phone number XXXX ) from the Customer Care Unit on XX/XX/2021. To make a long story short, she has since told me the XXXX 's should be able to be reopened ; on XX/XX/2021, she verified the checks had been received ; and on XXXX XXXX, 2021 she told me her manager ( who I later was told, by another US Bank person, was XXXX XXXX -- phone number XXXX ) was personally working on it and I should hear from her within a few days. Since XXXX XXXX, 2021, I have called XXXX 7 more times and her manager XXXX ( starting XXXX XXXX, 2021 ) 3 times asking each of them to call me and neither will return my calls. I have also called US Bank since I am not having my calls returned and gotten different representatives. One representative ( on XX/XX/XXXX ) emailed XXXX asking her to call me and another one ( on XX/XX/XXXX ) said they talked with XXXX, who told the representative to tell me she would call me in about 45 minutes, which she never did. On XX/XX/2021, which was the last time I called XXXX, I left a message telling her I was losing my patience and would have to try something else to get a response. On XX/XX/XXXX, I again called XXXX and left a message saying that since it doesn't seem they will be able to reopen the CD, I wanted to know what I needed to do to get my money back. I still have not received a call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I intend this message finds you well. My son and I purchased a new XXXX in XX/XX/2018 from XXXX XXXX XXXX XXXX. The car was purchased as I am XXXX XXXX and need to get to doctors appointments etc. When we went into XXXX XXXX XXXX we went using the XXXX XXXX program to be sure we did not have to haggle for a car. When we went to financing the finance lady in which her name escapes me since I have a XXXX XXXX and have memory issues ( She is listed on my account at XXXX XXXX ). She was moving quickly and was fully aware we were going to get a cashiers check to purchase the car. Both of our credit was pulled on this day without our knowledge and again mine was pulled by XXXX XXXX in XX/XX/2018 in which I NEVER gave authorization for this to happen nor did they call me to discuss the erroneous incident. I found out while I was checking my credit as I was told by the lady finance manager who assisted us that she was going to fix the credit issues I brought to her attention in XX/XX/2018. She stopped following up and I finally went above her to XXXX XXXX in which I felt he assisted as much as he could. No one followed up once both my son and I signed letters for XXXX XXXX to send to the credit agencies. I requested them to be sent certified mail, registered mail and XXXX XXXX to insure it gets there. In the meantime I put an inquiry on all the credit agencies to dispute the credit inquiries from XXXX XXXX and XXXX XXXX and they were denied by XXXX XXXX and XXXX XXXX???? WHAT???? I also called and because I am NOT the owner of the inquiry I could NOT delete them even though there were erroneously done. I was told to wait 60 days and waited 90 called the bureaus and nothing has yet to be done. I followed up with XXXX XXXX and apparently I have a new rep XXXX that was going to take this over and call me. I never received a call back from him so I followed up 2 weeks later. This has just been a ridiculous process and it seems to be getting nowhere other than XXXX getting their money for a car and not caring about the negative outcome of running my credit report and these are hard inquires. What got me really fired up is I am in the process of purchasing a home and these hard inquiries are causing me problems per my lender and interest rates will be higher because my credit went down. I believe the finance manager was getting kick backs from whomever they use to run credit reports ( I found this out from a source I am not willing to bring into this situation ) which I think is appalling and to take advantage of someone whos is XXXX XXXX XXXX and I didnt even mention how she treated my son and profiled him because of his arm tattoos. My son has never been in trouble with the law no traffic tickets and provides fully for himself and helps me. I am appalled that such a large company lacks integrity and ethics and allow their staff to profile others who are trying to purchase a brand new car. I am thoroughly disgusted with how unprofessional XXXX XXXX and XXXX XXXX have been with us and that they are allowed to pull credit reports erroneously and get away with it!
Product: Debt collection

Was getting ready for work and got a call on my cell phone at XXXX XXXX I did not answer since I was busy. There was a voice mail left telling me about a complaint that has been filed against me and to call them back. It was the same call I got the day before just a different name of the person but it was the same voice on the phone. The previous call was was while I was working. Plus the caller id number was from a city I do not know anyone in on both calls I do not answer unknown numbers. The phone number is linked to Alliance Recovery Group.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, The company that I am having an issue with is Ally Finacial on. Ally financial stated that they have verified this account on XX/XX/2020, but they have never verified this account with me. Also, this account is showing as a charge off and closed but it is showing my payment frequency as monthly. I have sent a request to Ally Financial on XX/XX/2020 to send something to me to show that this is my debt. However, they have not sent me anything.
Product: Checking or savings account

I have two savings account with Citibank. One of my savings accounts was made in active while ago. I was told the only way I could make it active was a go to a branch or to send them a notarized letter. This particular bank has very few actual branches that are available to go to and none near me. a couple months later they also made my other things account inactive even though it had activity on it. I called them and they told me that I was not able to access it because my debit card was expired. I never received a debit card from them, so in light of this, I requested a new debit card. They told me they were going to send it out to me. One day later I get notification from them that they are unable to deliver this debit card to me. I called them and ask why and they say it's because I need to confirm my address which has not changed. I confirm the address. I still am unable to receive the debit card for some reason and every time I call they just tell me they are going to assure that it's on the way but then I get notification that it's not. So I am unable to access any of my money in both of my savings account, and unable to activate them I'm unable to transfer money unable to do anything with my money because they have it frozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am requesting the following information get deleted off my credit report.The items I need deleted are listed on the word document attached. 

I am a victim of identity theft and did not open said accounts listed on the word document provided. I ask that all items ( fraudulent accounts and inquiries ) be deleted off my credit report. 

I already reported the theft of my identity to the Federal Trade Commission. 

I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Please note that I am submitting this request on behalf of myself. No third party is involved Thanks in advance for your time.
Product: Money transfer, virtual currency, or money service

On XXXX I have conducted the payment in the amount of XXXXXXXX XXXX  from my account with XXXX XXXX account of XXXX XXXX XXXX opened with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 
JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX under the XXXX XXXX XXXX. Considering this, my payment must be blocked by intermediary bank according to XXXX sanctions regulation. In order to unblock the payment, I need to apply for a specific license to XXXX. However, JP Morgan Chase Bank has not still blocked the payment or has not informed originating bank about freezing measures. Thus, I can not apply to XXXX for a license that is necessary to unblock my funds because to do so, I must fill in some data and specifically the date when the payment was blocked. Otherwise, XXXX may not locate the records of the blocked payment. On XXXX and XXXX we tried to contact JP Morgan Chase Bank via XXXX from XXXX XXXX  asking them to clarify if the payment was blocked and reported to XXXX and when. Still, JP Morgan Chase Bank has not responded. Thus, I can not apply to XXXX for a license that is necessary to unblock my funds.
Product: Credit card or prepaid card

A balance transfer payment was made to my XXXX XXXX Credit on XX/XX/2018 in the amount of {$1700.00} check number XXXX from my Cardmember Service account. The check was cashed on XX/XX/2018. I have supporting documents ( front and back of check ). I forwarded the documents to XXXX Payment Inquiry Team as requested on XX/XX/2018. As of XX/XX/2018 the issue is still not resolved. I have spoken to several different supervisors and was told an investigation is being done. Each time I get an apology but they need more time. I was told the payment was posted to another account. This is totally unacceptable. In the mean time I am responsible for payments to XXXX Credit to avoid late fees. I have had to have late fee reversed on the initial occasion. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent an investigation request by mail to XXXX, EXPERIAN and XXXX with non-response. Additionally on XX/XX/XXXX sent a SECOND NOTICE investigation request to XXXX, EXPERIAN and XXXX and as of XX/XX/XXXX I have not received a response or corirmation that my request has been received. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report so I am able to purchase a home for me and my family .I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete these items as soon as possible : I noticed this problem in XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against TransUnion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where TransUnion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as TransUnions inaction violates federal law and my rights as a consumer.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX number has violated my rights. 

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: Mortgage

I allowed Wells Fargo to change my mortgage and in the process was in the process of selling a parcel and Wells Fargo kept {$28000.00} of the proceeds and put it into interest instead of applying it to the loan as it was described.
Product: Mortgage

Aloha, on XX/XX/19 I attempted to make my normal mortgage monthly payment of {$1700.00} with Mr. Cooper and was unable to do it as normal online. I than called Mr. Cooper and than was transferred to three different people. I was told in all three cases we are unable to tell you whats wrong, as you have litigation involved with your home loan. I have never received any notices of litigation and My monthly mortgage has never been in default EVER. The next Day I filed a small claims case against Mr. Cooper and had them served. 
The day of the hearing the Judge said small claims is the wrong place to file this kind of case? I opened an escrow account with XXXX XXXXi XXXX in XXXX hawaii on XX/XX/19 and placed XXXX payment of {$1700.00} in that escrow. With specific escrow instruction. To date I have never had a return call, or any correspondents from Mr. Cooper. I did receive the XXXX monthly statement now showing im Late for the first time. Thus wrecking my perfect credit rating. As you might know Mr. Cooper changed its name from Nationstar Mortgage a few years back. Maybe because of two reasons 1 ) they have a B- rating with the better business bureau 2 ) the name XXXX. XXXX was already taken