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

I sent A letter on XX/XX/21 which is over 90 days ago and TransUnion is still reporting inaccurate information on my consumer credit report. I have sent multiple letters and all they say is that it is verified. They don't send any evidence of it being verified to me at all. They told me they got my information from XXXX but how is that possible unless everyone is reporting false information on my report? They are violating so many consumer rights here it is crazy. It isn't accurate, they haven't verified it and it is hurting my consumer report and stressing me out. Please help me understand how they can keep reporting false information even after i provided proof that it is false?
Product: Credit reporting or other personal consumer reports

There is nonpublic information on my TransUnion consumer report that is a result of identity theft. I never gave written permission for this nonpublic information to be reported on my consumer report. TransUnion never even disclosed to me that they received a request to have this reported on my TransUnion report. Below I list the the nonpublic information that has resulted in identity theft, 1.XXXX XXXX XXXX XXXX 2.XXXX  XXXX XXXXXXXX 3.XXXX XXXX XXXXXXXX XXXX 4.XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my experience my TransUnion is XXXX and XXXX  XXXX just got A score of XXXX which is inaccurate because I have proof underneath showing that my credit score XXXX I need this fixed and all the people that I applied for to be notified that my credit score is in fact XXXX also I am making a complaint on XXXX XXXX because I had nothing but exceptional payment with them and I have proof that opinion posted to my account so what I thought that I still had that money so I naturally wasted the money to pay other bills now I got AI got a message from XXXX  XXXX saying that they are closing my account without no notice and took away all my all my credit For nothing I need this fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX
Product: Money transfer, virtual currency, or money service

Ive got hacked a couple times, Ive let cashapp know, sent a dispute, they told me they decline my dispute. I also had trouble in the past where Ive disputed transactions that I didnt recognize & theyve also declined it! I no longer have cashapp & it sucks
Product: Credit reporting or other personal consumer reports

Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the XXXX mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security XXXX My correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX employer XXXX : Self employed Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.

Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within XXXX  days.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX Account Number : XXXX
Product: Debt collection

I sent an extreme amount of letters and they refused to follow my consumer writes I have ask them over and over for them to follow law and stop obstructing my credit reports As to 15 usc 1681 B. These companies do not have permissible purpose of my consumer reports In accordance I never gave written instructions to them to violate my privacy at all Time ve ask them for any information in writing and they laughed and said those laws are not real smh. 

Please help me have them remove these accounts 15 usc 1681 N I also invoiced them {$1000.00} per violation in which there are 5 negative violations and also 6 hard inquiries I gave no one permission to permit They have not removed nor paid as these laws states.
Product: Credit reporting, credit repair services, or other personal consumer reports

Exeter Finance is saying I owe them XXXX dollars but I have never purchased anything from them. They put this is in here in XX/XX/2020. It's also saying the bill is late. I don't know who they got this information from but this is not me. They are messing my credit up and I am trying to get it straight. Can you please contact me as soon as possible regarding this matter.
Product: Checking or savings account

Bank of America I noticed an inquiry on my credit report and the next day received a checking account statement for an account which I did not open.
Product: Student loan

I currently owe Navient {$49000.00}. My original loan in 2007 was for {$28000.00}. I wasn't aware at the time that I was eligible for federal loans, and this company never mentioned it. I was told my best option while I finished school was to go into forbearance. I wasn't aware my loan would double. I have contacted them many times and they only option to lower my payment is an interest only payment. I have been paying for years and my balance doesn't move. I told a customer service rep I would have to live in my care to be able to afford this payment. He said " you got ta do what you got ta do. '' My interest rate is 9.25 %. I have tried to renegotiate loan terms or interest but they won't. The original check was sent straight to me and not even my school. They sent the money without verifying the tuition and never told me about federal loans. I can't pay this loan. It is well over what I borrowed. I should have been told to pay on it instead of going into forbearance.
Product: Mortgage

NewRez purchased my mortgage from XXXX, it appears this took place XX/XX/XXXX. My first payment was withdrawn from my checking account as expected, albeit a few days delayed. Soon after I received notice that they didn't received proof of insurance. At the time, I called my insurance company and they faxed proof of insurance. A month or so later, received the same notice about proof of insurance. Called again, did a three way call with my insurance company and proof was provided but due to services on NewRez side, they forced insurance and set up an escrow account. One of their representatives told me that the insurance department was backlogged - that's not my problem. I called many times to resolve with poor service but finally talked to " XXXX '' on XX/XX/XXXX who said that she would take my account off automatic payments to avoid the high payment ( which included forced insurance ) but I would need to call back to make a manual payment over the phone. On XX/XX/XXXX I called NewRez and made a payment for the XX/XX/XXXX payment due. My checking account shows this was received and paid. Today I checked my online NewRez account and I couldn't set automatic payments back up because the XX/XX/XXXX payment was outstanding. When I called NewRez ( AGAIN! ) the service associate ( XXXX XXXX kept telling me that my payment didn't go through and I kept correctly him that it did go through, they just applied it for XXXX instead of XXXX. I asked for a supervisor and got their resolve team member, who said she would send a note to the payment office to update the payment. I have made many calls and continue to have payment - application problems. I'm VERY concerned that their errors will impact my XXXX XXXX!!
Product: Credit card

I had a secured credit card and had a few missed payments. The credit card sold my balance to Halsted. Halsted Financial has a 5 1/2 month gap between contacting me yet still reported the debt to collections and my credit report. That is illegal because that lapse adversely hurt my job prospects. I did not even know what happened until the company reappeared XX/XX/year>. See attached screenshot. 

Now there is another company who Halstad sold my debt too. Selling this debt and reporting it to the credit bureaus without notifying me is why I am reporting them.
Product: Mortgage

I have submitted a Request for Mortgage Assistance ( XXXX ) along with every document requested to bring this mortgage up to date. I was waiting for XXXX years for the mortgage company 's underwriters to accept the legal documentation submitted by my attorney for the deed to my home. 

My home has been put on the Sheriffs sale list 3 times now. This mortgage company 's attorneys have not done any research on my account. If they had they would see that I am waiting on their underwriters to do their job. 

I can not sleep or eat. This whole situation has given me severe XXXX. I have done EVERYTHING possible to take care of this problem. The mortgage company 's attorneys just keep on filing. This whole situation is due to the lack of knowledge, professionalism and legality of the mortgage company and their underwriters and attorneys.
Product: Debt collection

Thursday XX/XX/XXXX between the time of XXXX and XXXX I have received over 30 text messages all stating I owe a debt and could save money it is the same exact message over and over. On Wednesday XX/XX/XXXX I received 4 text messages at XXXX. Recently if I open the message in an effort to silence the repeated attempts to contact me they just send more text messages I have all the messages and screenshots of the messages as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I spoke to someone with Toyota Finance about the end of the lease payment in XX/XX/XXXX and XX/XX/XXXX that the total should not be XXXX. 
It should've been the total XXXX I was told they would check into it and get back to me but they did not do so.
Product: Checking or savings account

Citi bank ran a promotion for their checking & savings account. Per the terms, " Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days '' My accounts were opened on XX/XX/2018 and funded with {$15000.00} on XX/XX/2018. I spoke to a Citi representative on XX/XX/2018 and below was XXXX 's response, " XXXX at XXXX, XX/XX/XXXX : Upon checking I see that you have deposited the {$15000.00} last XX/XX/2018 and part of the requirements is to keep it for 60 calendar days which will be completed on XX/XX/2018. The bonus will automatically be credited to your account 90 days from the completion date of XX/XX/2018 and that will be on XX/XX/2018. 
XXXX at XXXX, XX/XX/XXXX : The promotional code is XXXX. '' I reached back out to a representative on XX/XX/2018 to follow up on the bonus not posting and he informed me to wait two business days for my account to be credited. As of the end of today 's business day ( XX/XX/2018 ), I do not see a credit for {$400.00} in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX US DEPT OF EDXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3900.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance XXXX {$2300.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$4100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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Product: Checking or savings account

On XX/XX/2023 I deposited a friend 's check into my mobile banking. I spoke with a customer service about the deposit if I was able to cash it for my friend being it's a third party check. But it was a cashier 's check. I was told yes I could and their was no problem " and that the funds will be available in 3 payments the amount was XXXX .with when i went to log on to my online banking app I was not allowed to. So I called the bank a spoke with customer service again this time they they closed my account. I have not received a letter telling my they closed it except that it was fraud which it was not. So I called back again to ask why I have not received anything tell me the reason the account was closed. So I called again to ask them why the had not sent my SSA DIRECT DEPOSIT BACK TO SSA AND THEY SAID AFTER 30DAYs they will send me the remaining balance In my account which they have not done. I still haven't received a letter explaining anything the only thing I've received from them is a dispute letter from back in XX/XX/2023.They won't give me my money and because of them me and my son are homeless and behind on bill like crazy all because they dont want to pay me my money {$1700.00} that was in my.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$12000.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$3100.00} XXXX XXXX XXXX XXXXXXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX - {$31000.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXX {$15.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 FTC Report Number : XXXX 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: Checking or savings account

I am filling a complaint with the CFFB regarding Capital One 's failure to deposit my direct deposit from my employer and any other income sources. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

WAKEFIELD AND ASSOCIATES FTC VIOLATONS SENT OVER 45 DAYS AGO
Product: Credit reporting, credit repair services, 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 U.S.C 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 XXXX XXXX XXXX, 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: Credit card or prepaid card

Hello, I am submitting a complaint against an unfair practice that CapitalOne Credit card is using to close customer 's accounts without any warning due to a returned payment or two. After being a customer of CapitalOne for over 3 years and opening a Secured Credit card, and never having a late payment and generally keeping under my limit for the entire time the account was open, my account was abruptly closed without warning due to 2 returned payments that were made well before the due date and I still had time to rectify and have my bank send a payment before the actual due date. They did not contact me via email or phone to ask the reason the payments may have been returned, and allow me time to fix the issue. All they did was send an email that the account was closed on the same day that a payment was successfully received from my bank. I believe that if a consumer has an account in good standing, with no late payments should be contacted bu a phone call, email or letter warning that if this is to happen again the account could be closed and offer the customer a chance to call XXXX  and explain and fix the issue before closing out an account that is in good standing.
Product: Credit reporting or other personal consumer reports

The credit TransUnion has my personal information wrong, my name they have missing, I contacted them to fix it but they didnt.
Product: Debt collection

I am the XXXX of a business ( XXXX ). I get phone calls from what is listed on my caller ID as CitiGroup with a phone number of ( XXXX ) XXXX. The call is an automated call that asks to return the call at XXXX. Upon returning the call to inform them that we are a business, I am told that we will be removed from the call list. The call comes multiple times a day but XXXX of those times is right around XXXX. This is the busiest time of the day, any day for us as a XXXX. XXXX of my staff members or myself have to stop assisting our paying customers to answer the phone, in case it is real customer. I have called the company requesting to be removed XXXX times. The last XXXX times, I have spoken to supervisors and they have guaranteed that I would not be called again and our number would be removed from the list. Additionally, the name of the person they tell me they have listed for my number is n't even the last name of anyone I 've ever hired for my business.
Product: Credit card

Dispute Record Completed XX/XX/XXXX Conflicting reports on this account across all bureaus. Open Date XX/XX/XXXX Closed Date XX/XX/XXXX XXXX XXXX Closed account in XXXX should not be reporting. No lates reported 30/60 or 90 but showing as a XXXX XXXX 
Account was closed in XXXX and not active to report. 
XXXX shows 5 lates reporting currently on this account and XXXX XXXX. On XXXX balance Sent XX/XX/XXXX I Previously Disputed This I have new accounts established with you which are all in good standing and looking to scale my business ' with you in other ways however this account and another are obstructing my ability to obtain the business credit required to continue to build my business and wondering IF I can call on you to delete this from my record. 

I previously disputed this account stating : " Conflicting reports on this account across all bureaus. Open Date XX/XX/XXXX Closed Date XX/XX/XXXX XXXX Balance Closed account in XXXX should not be reporting. No lates reported 30/60 or 90 but showing as a XXXX XXXX. Account was closed in XXXX and not active to report .Experian shows 5 lates reporting currently on this account and XXXX XXXX XXXX On XXXX balance ''. 

I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account or delete the negative information in this account. 

Recent result of investigation, a few days ago, was credit bureau responding for company and adjusting credit on account to a previous status rather than delete the account.
Product: Debt collection

I keep receiving unsolicited calls from the following number : XXXX the caller claims to be from Chase Bank. I repeatedly receive these calls daily. I want this harassment to stop immediately. 
When pressed by me the caller never provides any pertinent details as to why they are calling and refuses to give any additional information as to who they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. MACYS/DSNB {$1100.00} XXXX XXXX XXXX {$820.00}