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

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Mortgage

Until recently I had my Mortgage loan with.XXXX XXXX XXXX. My loan was sold to Loan care. XXXX XXXX XXXX XXXX XXXX, VA XXXX. ( XXXX. So as of XXXX my new payment would be going to the new company. My loan is due on the XXXX of every month. 

I noticed that no withdrawals had been made. On XX/XX/XXXX. XXXX I contacted loan care and asked if they had automatic deductions set up. For my account since my loan was rolled over and had auto deductions set up previously with XXXX XXXX XXXX They stated they did not. So I made a payment over the phone. Setting up the auto deduction with loan care representative. 

When I checked my account I noticed two transactions were processed For {$2600.00} the auto deduction and the phone payment made. 

I have been calling and submitting statements since XX/XX/XXXX, I have been getting the run around. I received an email that the bank statement I submitted was not sufficient, the next day on contacted them. I was placed on hold for over 45 minutes. When I asked specific instructions on what they requested I also got different responses. 

On XX/XX/XXXX I received another email that they could not read the statement from the bank with its name and address clearly showing. So, that afternoon I went to my bank and got a signed letter head clearly showing everything they requested. Along with the two transactions that were processed. 

On XX/XX/XXXX I called to check on the status and they stated that they could not read the copy from the bank, but the letter from the bank was ok. I advised supervisor that I had multiple copies Showing clearly the type transactions. She advised that this would be sufficient. 

I have been waiting for my money to be refunded to my account but nothing. So I called on the XX/XX/XXXX. Meanwhile I have not received nothing via email that anything was needed. So when I called XX/XX/XXXX I asked to speak to Supervisor and she advised that I would have to call on Monday XX/XX/XXXX to get my tracking number. I thought that was strange. Because I know you receive that via email so I called XX/XX/XXXX speak with another representative and she tells me that have to provide another statement from my bank to show it was CLEARED. That is ridiculous it was not a check. It was taken from the company directly. XX/XX/XXXX I re- submitted another statement showing All of the information with the two double Mortgage withdrawals. I am very frustrated I hope that this can be resolved soon. 



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

SOMEONE OPEN UP 2 ACCOUNTS IN MY NAME FRAUDULENT I REPORTED IT TO THIS COMPANY AND THEY STILL TRYING TO HOLD ME LIABLE. I DISPUTED THIS SEVERAL TIMES AND SENT POLICE DOCUMENTS TO THEM AND THEY HOLDING ME TO A DEBT I DIDNT AUTHORIZE. XXXX  IS THE COMPANY. I ASK THEM TO PROVE I USE MY SIGNATURE AND SOCIAL THEY CANT PROVE IT
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights as a consumer. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

15 U.S.Code 1681 section 602 A.- States I have the right to privacy.

15 U.S.Code 1681 section 604 A. Subsection 2- States a consumer reporting agency can not furnish an account without my written instructions and consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  unverified accounts 

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

My brother XXXX XXXX XXXX filed a bankruptcy and got a loan 2 years ago. and now i " XXXX XXXX XXXX '' is trying to get and build my own credit, but every time i try to apply i get denied because they always see my brothers history which is not mine. i wan na know how can i fix this.
Product: Credit reporting or other personal consumer reports

I am formally requesting this complaint to UPDATE the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, please provide evidence that the following accounts belong on my report and that my rights have not been abrogated. In the event that no record exists, please UPDATE the inaccurate accounts information as quickly as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX XXXX, Inquired on XX/XX/2019. 
XXXX XXXX XXXX, Inquired on XX/XX/2019. 
RELIABLE CREDIT ASSC I, Inquired on XX/XX/2019.
Product: Money transfer, virtual currency, or money service

On the XXXX XXXX XXXX  I put a block on my bank account after finding 5 unauthorised payments coming out of my account. Remitly is the company in question. After finding a contact number on the XXXX XXXX to try and get money back that I did not authorise to be taken from my bank account XXXX XX/XX/XXXX ( {$63.00} ), XXXX XXXX XXXX ( {$58.00} ), XXXX XXXX XXXX ( {$680.00} ), again on the XXXX XXXX XXXX ( {$180.00} ) and the final payment on XXXX XXXX XXXX ( {$2300.00} ). They failed to provide me any full evidence upon request of these payments due to the account being suspended because fraud was reported by myself. And they said they could not issue me a refund because those funds had cleared to those people that turns out to be residents in XXXX and they have a no request refund on their accounts. I feel absolutely violated and let down by this company and it's left me in a situation where I can pay my bills and feed my XXXX, one of which has special needs and health conditions
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Requests sent on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX to complete full investigations on all accounts & if they could not complete to delete the accounts from the credit report. To date all accounts are still reporting as a full investigation was not completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is   XXXX   XXXX  . I am a senior citizen. I do n't recall ever applying for any credit accounts. I recently pulled my credit and noticed several errors on my credit profile. I have not authorized anyone to apply for any new credit for more than 20 years. I 've contacted the following  XXXX  bureau (  XXXX ,  XXXX , TransUnion ) to inform them that I have several errors on my credit report. I 've contacted all   XXXX    bureau 90 days ago to resolve this matter but it seem that this matter is n't important. I 've mailed off certified letters, police report and more. My lawyer will be sending you a letter concerning a civil lawsuit.
1.  XXXX  2.   XXXX   3. TransUnion 4.   XXXX   5.   XXXX   XXXX   6.   XXXX   XXXX
Product: Student loan

To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXX-affiliated schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions. 
XXXX. Discharge all loans associated with fraudulent practices, including consolidated loans. 
XXXX. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of XXXX XXXX
Product: Money transfer, virtual currency, or money service

coin base has received direct money wires from XXXX XXXX and refusing to release the fund in a timely manner
Product: Credit card or prepaid card

Citi bank has retaliated against me for filing federal complaints by closing my account. I made a {$500.00} payment two weeks ago. Citi responded by lowering my credit limit. I filed federal complaints for arbitrarily lowering my credit limit on my account in excellent standing for no reason at the onset of a natural disaster and national emergency. In response to my compaints, Citi has now closed my account. Lowering my credit limit due to " high balances to credit ratio '' means that now my debt to credit ratio is even lower so all my other credit cards can lower my limits on those accounts as well, because now that Citi lowered my limits my debt to credit ratio is even higher. Citi started a viscous circle where my credit will repeatedly be negatively impacted. Now that Citi has closed my account, that will negatively impact my credit as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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 have 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
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you review the documents? Some of the listed accounts are incorrect in terms of reporting, with inaccuracies in amounts and dates.
Product: Credit card or prepaid card

Citi Bank Account ending in XXXX Refinanced house in end of XX/XX/XXXX. 
I paid off my bill for Citi Bank {$12000.00} from my XXXX XXXX  account Our Finance company paid off the same bill, so until it was caught in XX/XX/XXXX we paid them twice. I called Citi bank and they proceeded to transfer me from one person to another ; still would not refund the money stating that they had to wait for it to clear my bank? According to my bank statement the electronic payment was made on XX/XX/XXXX? Still arguing about money clearing we proceeded to call my bank so she could verify the money had cleared the account. My bank indicated that it was an electronic payment so therefore there should not be a wait period for $ to clear? After a lengthy dispute about 3 hours they decided to refund the money and at that time I wanted to CLOSE MY ACCOUNT. On XX/XX/XXXX the electronic deposit was put in my account. 
On XX/XX/XXXX an email from Citi bank came to me with an overdue amount of {$580.00}?? My account was closed I thought, but apparently when Citi Bank refunded my account they left a balance on the credit card? Why would they leave a balance when they had more than enough to pay the complete balance and I told them to close the account at that time? Unbeknown to me my account was accruing interest and late charges as well as reporting it to the credit agencies giving me a mark on my credit! I was in tears, I didnt want to argue anymore after another hour and a half! They did not waive the late fees and were not able to change the credit bureau! Asked them why the account wasnt closed the first time and they couldnt say? 
On XX/XX/XXXX I received another email from Citi bank with another past due balance of {$64.00} from a software company on XX/XX/XXXX. I was furious!! I did not authorize any payment for software and besides all this my account was closed for the 3rd time in one year. Now XX/XX/XXXX I get a email statement with interest charges and late fees for this purchase. The bill is up to {$120.00} with late fees and interest. 
This company has been very disruptive to my life. I pay my bills on time and am very conscious of my debts. Something has to be done with this Citi Bank merchant. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have uploaded the information in the attach document area. Experian has not been doing great job of compliance of XXXX. Experian doesn't do any investigations and haven't been following the rules of FCRA.
Product: Debt collection

Company taped incorrect financial information and warrant on a house that I do not live, in a state that I do not live in exposing my personal information to random people. This information was screenshot and sent to someone else, who then sent to me. Was not properly served, did not provide validation of debt, and have never done business with this company. In addition to not properly serve, it is in the incorrect jurisdiction, XXXX  hours away from where I live.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing a complaint about the Equifax data breach.
Product: Money transfer, virtual currency, or money service

I reported discrepancies using Zelle to my financial institution and Zelle plenty of times to no avail. They basically stated that the lost funds would not be able to be investigated or tracked. My transaction would say completed in my account but the money was never received by the receiver.
Product: Debt collection

I am writing to file a formal complaint against Consumer Financial Protection Bureau. This company may be improperly collecting on a debt/ REPORTING an authorized account. I am thus seeking further proof of the debt allegedly owed. I recently pulled a copy of my credit report and noticed that there was a collection from your agency on my credit report. I was never notified of this collection. Not notifying me is a violation of the Fair Debt Collections Practices Act ( FDCPA ). This is not a refusal to pay, but a notice that your claim is disputed. Under the FCRA & the FDCPA, I now exercise my lawful right to question the validity of this debt your agency claims has come due.
Product: Debt collection

this creditor keeps using varies collection agencies to collect dept. This creditor did not respond to my health ins co inquiry.
Product: Credit card

I had a promotional 12 month XXXX XXXX apr plan with comenity XXXX XXXX. My account being on auto pay I was thinking my payments were going towards my balance. But apparently they were all going to another purchase I made after this purchase. Ive been with them for years, never missed a payment or had any issues with them. I even offered to pay the previous balance in full if they can remove the interest charge as it was an honest mistake. But I guess they dont really care about their customers, theyre seller history with the bank or anything. Im very upset.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and collection or financial company by the name of XXXX XXXX XXXX XXXX XXXX have been reporting inaccurate information on my credit report. The account number is : XXXX I have written the company XXXX XXXX XXXX XXXX XXXX with a debt validation letter and they responded back after a cease and desist. They never sent the legally required document that suffices a debt or a debt validated. They have multiple consumer violations within their letter and letterhead. I would like the account removed and compensated no less than {$100.00} and not more than {$1000.00} per violation. 
The certified mail tracking number is : XXXX All supporting documents will be included.
Product: Mortgage

As part of a loan modification with SN Servicing, I was required to make 2 " good faith '' payments followed by 3 trial payments. My issue arose when I saw that the due dates between the last good faith payment and the first trial payment were only one day apart effectively requiring 2 payments at once. I made all 5 payments required for the modification to take effect but due to the due dates being so close together, the first trial payment was made after the grace period before a late fee would be assessed. I continued to make all monthly payments within 30 days of each payment but because that first payment was late, SN considered me a month behind and charged me late fees each month until I was finally able to get " caught up '' by their definition and make 2 payments in one month about 7 months later. This resulted in late fees on my account totaling {$580.00}. I have since explained my position to SN multiple times via emails and have requested the late fees on my account be waived. After multiple attempts and even advising them I would file a complaint, I still have not received any response to my inquiry other than one email stating a new account manager is handling my account. I contacted this individual as well and still am not getting any replies.
Product: Credit reporting or other personal consumer reports

UNKNOWN PERSON APLLIED FOR CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Equidata keep sending me harassing letters stating I owe a debt form XXXX XXXX XXXX in which I did n't live in the state of XXXX. I sent equidata an email with letter from my job stating I was living and working in XXXX XXXX in XX/XX/XXXX. I moved to XXXX in XX/XX/XXXX. I called and the representative said I must pay this debt, I do n't owe. I have XXXX XXXX nothing is wrong with my back or any other part of my body.
Product: Checking or savings account

So I had a claim for $ XXXX opened up due to unauthorized activity. My XXXX cards were stolen and my phone. It was then denied so I had requested to be re-opened. 20 days later it was denied again with the reason being that the merchant provided documents saying it came from my IP address ( my phone ). Obviously it wouldve came from my phone if it was stolen! They then requested to have my police report be faxed in which I did and 3 hours later they closed the claim again. I had to file another claim with XXXX for {$2900.00} because this was also fraudulent with the same vendor and they were able to fully refund me and close my case in 7 days. Bank of America will not help me and this is frustrating. I thought I had zero liability with fraudulent purchases??
Product: Credit reporting

Equifax refuses to remove an account I disputed but notes the account as as a dispute with no removal. The account is not mine and Equifax is no help.
Product: Money transfer, virtual currency, or money service

In XX/XX/24 my cash app account was hacked/ unauthorized login. Then they proceeded to changed all my personal information on account took my number off my account password and email. They sent all my available funds to someone of their choice. I wasnt able to gain access to my account. A cash app representative help me gain access to my account after XXXX XXXX hours and instructed me to make a despite so I did. All to get denied