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

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me, also a couple inquiries. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible. 


-XXXX-XX/XX/XXXX/-XX/XX/XXXX/-XX/XX/XXXX/-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX -XXXX XXXX- XX/XX/XXXX -XXXX XXXX XXXX-XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I paid off a credit balance that is listed on my credit report ( I didn't close the account, just paid it off ). This had the effect of lowering my credit utilization which is supposedly a good thing. However, as a result of doing this, both Trans Union and XXXX  report the account is paid, but as a result, they both lowered my credit score. I've tried to contact both agencies with little success. I was able to file an online dispute with XXXX, which they have acknowledged but not responded to as of yet. However, I have been unable to do the same with Trans Union. Their web site for initiating a dispute doesn't work, and if you call them, you just sit on hold forever - so far 6 hours in my case. Hence I would like to file a complaint about Trans Union at least.
Product: Credit card

CITI bank issued a refund check for the amount of {$3000.00} on XXXX/XXXX/2016. I tried to deposit the check into my XXXX checking account. But, XXXX never released the funds to me saying that CITI placed a hold on the issued check. As a result XXXX suspended my checking account. When I called the CITI bank they issued me a replacement check for the same amount and I deposited into my XXXX XXXX XXXX checking account and it 's cleared. But, CITI is charging the first check of {$3000.00} on my credit card account ( but I never received these funds ). It 's impacting my credit score and each month CITI is generating statement with 23 % APR on the {$3000.00}. It 's been more than 2 months but the issue was not resolved. I contacted CITI and XXXX several times, but they never resolved this issue.Please help me to resolve this issue.
Product: Debt collection

Company Caine & Weiner are listed on my XXXX XXXX XXXX XXXX  credit reports for the amount of {$460.00}. This company failed to comply with FDCPA, It's a violation of the collection practices act for a debt collector to refuse to send a validation notice. I have never recieved any notice to validate said debt however, this company placed this account on my credit reports. These types of collection practices are a violation of the FDCPA.I do not have any contract or business signed contract with this company. I do not owe this company nor have I had a chance to express this as this company failed to allow me to validate their said debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings I have been patient with the credit bureaus yet they keep breaking the law. As of XX/XX/2021 I have sent letters out to dispute items that I truly believe are not mine and yet these companies say that they are accurate without proof. How much longer can they play this game?
Product: Credit reporting or other personal consumer reports

Mistakes exist on my credit report under 15 USC 16c-2. The inquiries noted were unauthorized, and this is harming my credit. Kindly remove all unauthorized hard inquiries. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 inquiries on my XXXX credit report that should not be there that I have not applied for from Curo Management LLC.
Product: Credit reporting or other personal consumer reports

I reveived a credit alert that Capital One had made an inquiry on my account on XX/XX/XXXX XXXX XXXX When I called the company they said that someone use my Social Security to apply online for a credit card. I reported it as fraud and stopped the application. I contacted all of the credit bureaus and reported it as fraud as well.
Product: Debt collection

In XX/XX/2020 i sent CAINE & WEINER a debt verification letter https : //files.consumerfinance.gov/f/201307_cfpb_debt-collection-letter-2_more-information.doc by USPS certified mail with tracking number XXXX to CAINE & WEINERs lockbox address listed on my XXXX  report XXXX XXXX XXXX, XXXX XXXX , CA XXXX CAINE & WEINER had received my latter In XX/XX/XXXX and they failed to respond to my verification letter with any documents after 30 days ( Why they thinks i owe the debt, Original creditor contract, Authority to collect the debt, Last statements ).
Product: Credit card or prepaid card

- Applied for a home depot credit card on XX/XX/2021 and was approved. 
- Contacted on XX/XX/2021 that the credit card was returned due to an issue with my mailing address - Contacted both home depot credit card services and citi card services on XX/XX/XXXX attempting to verify my account and obtain a replacement credit card. They were unable to verify my account using my only phone number, a cell phone number. They are requiring verification of the address using a physical bank letter - normally this is fine but I'm traveling for 4 months so I have no access to my mail until XX/XX/2021 As a result I have no way to verify my account, obtain a replacement credit card, or setup payments on this account. Filing this complaint because I have debt on the credit card that I have no way to pay off because of bad bank KYC policies.
Product: Money transfer, virtual currency, or money service

1. XXXX, I received money ( XXXX ) PayPal automatically converted this to XXXX which was unusual because I did not ask it to and that my account has a US dollar currency as well. 
So my account now has XXXX 2. XXXX, I paid a XXXX XXXX for a translation service 3. XXXX, I paid another XXXX to same account, XXXX, for tariff in order to expedite the translation service. Before logging out I remember I still USDXXXX something in my balance as reflected after I made the payment. 
4. XXXX When I checked my account, I now only have USDXXXX. I was shocked! Did PAYPAL just charge me more than USDXXXX for those transactions? How was it possible that it was this small when I still have XXXX dollars when last I checked. Did they make late charges? Are there hidden fees? 

5. XXXX, I contacted Paypal and informed them about my concerns. No answers, olny canned responses. XXXX, When I checked the balance, at first I did not notice but then realized the balance changed again, it's now USDXXXX. I found this really suspicious. 
6.XXXX, Finally an answer from their Chat rep but it was vague and did not really address the issue of where the missing USDXXXX is 7. XXXX After this reply the conversation was immediately closed. I was not even given time to rebut this explantion. 
8. XXXX, I tried contacting them again and eplained my concern. I even requested a full account of my transactions and all the fees incurred. 
9. XXXX. I got a reply but again, it was beating around the bush. The chat rep even mentioned that my transaction did not need coversion of currency, then why the heck did you charge me with the fee. And where did the USDXXXX dollars go? 
Paypal refused to disclose any fees they have levied on my transactions and they wont answer how my account is missing between XXXX USD.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dating back to XX/XX/2022, multiple inquires are on my credit report from sources i never applied to/ through. I am unable to contact these companies to get these inquiries removed, and the XXXX major credit reporting agencies has requested a fraud letter. No loan was taken from most of these inquires it appears like. Totaling XXXX inquires dating back to XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 ( this appears XXXX times for XXXX ) XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX 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: Payday loan, title loan, or personal loan

I completed a refinance of my mortgage on XX/XX/2021. I also had a personal line of credit with SunTrust. I did not want the LOC to be closed. I wanted to balance that I owed on the LOC to be paid off and included in the mortgage refinance. I did not complete the LOC affidavit at the closing for the mortgage refinance to close the LOC but SunTrust closed the LOC. I believe that it was fraudulent on the part of SunTrust to close the LOC when I told the title company representative at the closing that I did not want the LOC to be closed and I was told that I did not have to sign the LOC affidavit. This statement by the title company representative led me to believe that the LOC would not be closed. I would not have gone through with the closing if I knew that the LOC would be closed.
Product: Credit reporting or other personal consumer reports

I regret to inform you that there seems to be a compromise in my credit dealings with your institution. Upon careful examination, it has come to my attention that there is a failure to expunge fraudulent entries, even when accompanied by an FTC fraud report bearing the reference number # XXXX. Today, I am submitting a formal complaint to bring to your attention that I have fallen victim to identity theft. Consequently, I have taken the necessary steps by filing an identity theft report on https : //www.ftc.gov. Pursuant to FCRA Section 605b, Credit Reporting Agencies are mandated to expunge any items listed on an identity theft report. I have attached the requisite documents to facilitate the removal of inaccurate information that is currently being reflected in my credit report. Outlined below are the items that do not pertain to me or have been initiated without my consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ), Credit Reporting Agencies are obliged to remove any items identified by a consumer as resulting from an alleged identity theft, within four business days of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts listed are fraudulent Accounts on my consumer credit profile that I want BLOCKED AND REMOVED IMMEDIATELY from my profile, Pursuant to 15 U.S. Code 1681b ( a ) IN GERNERAL, subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I Never gave XXXX  any written consent to report anything on my consumer report, No consent is Identity theft this is infringement and I want the following accounts BLOCKED AND REMOVED FROM MY PROFILE, I am demanding a deletion of this account or i will CONSULT WITH MY LEGAL COUNSEL FOR SUIT. 


XXXX  : XXXX XXXX XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Collection opened XXXX XXXX, XXXX XXXX Account number XXXX Date XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX  Account number XXXX Date openedAug XXXX, XXXX Account number XXXX Collection opened XXXX XXXX, XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX  Account number XXXX Collection opened XXXX XXXX, XXXX Account type Collection Account Transunion : XXXX  XXXX XXXX Account number XXXX Collection opened XXXX XXXX, XXXX XXXX XXXX Account number XXXX Collection opened XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following multiple entries on student loans were reported on my credit report.. The account should not reflect as late because this is assigned to government. This is a clear violation of the FCRA ..Credit Bureaus could not give me concrete explanation as to why they wont delete it..Please step up CFPB and delete US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, XXXX , XXXX , DEPT OF ED/XXXX  , DEPT OF ED/XXXX, DEPT OF ED/XXXX, DEPT OF ED/XXXX,
Product: Debt collection

I received several calls from XXXX XXXX ( Colony Brands ) for a charge I never made. It sounds like my information was used to make a purchase in the amount of {$190.00} from this company. The ( {$190.00} ) transaction was reported to the credit bureau for non payment. I never received a bill or any information regarding this charge.

I called the Company Colony Brands and spoke with their supervisor of collections and she gave me the an acct. # XXXX O and promise to investigate the charge and I should follow up in 10 days. 
I want this information removed from my Credit Report I never had of XXXX XXXX/Colony Brand or purchase anything from this company. Never receive proof of purchase or any bill from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$510.00}
Product: Checking or savings account

This is in response to a phone call I received from Wellsfargo XX/XX/XXXX XXXXWellsfargo Bank NA sent me a notice that I was enrolled in identity theft protection without my knowledge or consent along with other accounts dating back to XXXX  after reviewing my information. When I called in they found other accounts that were opened checking, savings, HSA, for bill pay, insurance etc without my consent or knowledge. Upon thorough review of the 12 accounts included with dates opened and closed in the offer, namely : - XXXX Bill pay - XXXX Checking - XXXX Savings - XXXX Checking - XXXX Checking - XXXX Checking - XXXX Savings - XXXX Savings - XXXX Identify theft protection - XXXX Identify theft protection - XXXX Insurance - XXXX Wells sent some records for the accounts which some show no signature or identification obtained. Wells responded and claimed they do not see any records or could not find the information. How are they not able to find the accurate records after identifying the issue. it has become evident that the harm caused by the identified cases of identity theft far exceeds the proposed amount. Each of these accounts represents a breach of trust and a significant violation of personal security. The dates shown in the letter detail a pattern of harm and are tied to the decline in my personal information and credit. Identity theft is not merely a financial inconvenience ; it inflicts profound emotional distress and undermines one 's sense of security. The unauthorized access to personal information and financial accounts results in a loss of privacy and exposes individuals to the risk of further exploitation and fraudulent activity. Moreover, the time and resources required to rectify the damage caused by identity theft impose additional burdens and disrupt normalcy in daily life. I would like the company to make me whole and fairly compensate me for this breach of my personal information. They offered me an amount that does not resolve or cure the issue. The company has admitted fault and this issue falls under sales practices which is similar to when the company opened up false checking and savings accounts in the past, this issue also falls under identity theft as there were two insurance account opened up and used from XXXX without my consent.
Product: Mortgage

In paying my mortgage, when I make payments ahead say on the first of the month, and then another payment on the XXXX of the month, and another on the XXXX of that same month- they charge the full amount of interest each time even though it is 2 or three months ahead of the scheduled payment. I also found out that this is almost an interest only loan, which I definitely did not want. They also say there is no prepayment penalty, but I am only allowed to make payments 3 months ahead?? When I tried to refinance with bank of America a couple of years ago, the loan officer I spoke with said he was very sorry and could not help me. He did not understand why anyone would put me in that type of loan??? 
They also were checking my credit if not every day, every other, which adversely affected my credit score, and made it so I could not refinance. I started out with an ARM with Bank of America and in 2010, I was ill with XXXX XXXX, and missed a lot of work and when the first increase hit, my payment jumped up so high, I was having difficulty making the payments. I called them after a couple of months and asked what I could do, they put me in touch with the home retention team which said they could help. Then when I tried to make my monthly payment, I called in to customer service or tried to log in, it automatically transferred me to the home retention team. So no one there answered the phone, I had to leave a message and someone would call back. Well, I live in Alaska and work M-F, I am not allowed to make or take phone calls at work. 
So they would call and leave me a message and the payment would not be made. This went on for months. They were also adding interest back onto my mortgage every month making my mortgage much larger than when I started, and also reporting me to the credit bureau. By now my credit is very poor from them checking my credit all the time, and from me not being able to make payments.So when the home retention team finally finished, I was in a very bad situation. Then in the midst of all that, my husband passed away. I am caught up now, even ahead, but my interest rate is now at 7.6 % and I need to refinance, but am having difficulty. I hope you can help me out.
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 Account XXXX Account Name : XXXX  Account Number : XXXX and 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 XXXX : 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 XXXX 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 reporting or other personal consumer reports

I am asking for your help in regards to these accounts being inaccurately reporting on my credit file. Please help me.
Product: Money transfer, virtual currency, or money service

I have been investing in cryptocurriencies using XXXX for a while now. I file taxes and do everything legally in the matter. Just last week, my bank - Capital One - without informing it's customers decided that it would no longer allow me to spend my money as I wished to by blocking all funds transferred into XXXX fro capital one accounts. Even though the USD is being put into an FDIC backed and US Treasury approved bank in the US which XXXX uses.The disgusting thing is that they will allow me to move funds from XXXX into their bank, but refuse to move money out of their bank into XXXX (XXXX means the US bank that XXXX is using). This strong arming tactic in controlling the way I legally spend my funds is beyond absurd and would not have been expected in this great nation. I can purchase XXXX and XXXX which slowly XXXX a person, or gamble it away at a casino, but I cannot invest it in a state and federally regulated manner into an asset that is clearly approved and taxed? I hope the CFPB will take note of this and correct these illegitimate actions of Capital One. The money is my hard earned money that should be allowed to be spent however I would like, provided it is legal, without a bank preventing me from doing so.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act, ( FCRA ), 15 U.S.C 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Equifax failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within XXXX  days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate incomplete, or unverifiable must be properly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that Equifax : 1. Conduct a thorough reinvestigation of the following disputed accounts or items. 

Name Account Number Amount *XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX {$3500.00} XXXXXXXX XXXX XXXX  {$2900.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 

3. Delete all information that can not validated or is inaccurate, as mandated by law Given the recent CFPB findings, I expect Equifax to handle this dispute with the utmost seriousness and compliance legal standards. A copy of my identification is attached to this letter. 
If Equifax fails to comply with its obligations under the FCRA, this dispute will be sent to the CFPB and pursue any necessary legal actions to protect my rights. 
Please respond to this dispute in writing within XXXX days or sooner. I expect written confirmation of any changes to my credit file immediately. 

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

Equifax ; XXXX and XXXX are reporting incorrectly that I am in Collections, and 120 days or more past due, on the XXXX XXXX XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 17 and 18 of the attached credit report. I have rehabilitated these accounts and I am no longer in collection status. Also attached are copies of my bank statements reflecting these payments in accordance with my agreement for the rehabilitation program. This incorrect reporting is harming my credit score.