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

I disputed the bankruptcy listed on my credit report and it has not been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, my mortgage bank : XXXX sent me a written notice informing me that they have transferred my mortgage account which I have had with them since XXXX, to another bank : XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX. XXXX provided me with a XXXX new account number : XXXX for me to use in my upcoming dealings with XXXX and to pay my next month 's mortgage. About a week ago, I received a notice from XXXX, a credit score maintenance entity, informing me that EQUIFAX has reduced my credit score. Upon my follow up with EQUIFAX, I found out that they listed my mortgage with XXXX as fully paid and therefore the mortgage account as a closed account, and according to EQUIFAX, such event resulted in lowering my credit score by 6 points! 
I contacted EQUIFAX right away and supplied them with all information showing I never paid off my mortgage and XXXX transfer of my mortgage account to another loan servicing entity ; I also provided them with the new account number of XXXX ( XXXX ). Im yet to know the result of EQUIFAXs follow up investigation. 
Since I have never paid off my mortgage, the mortgage account could not possibly had been closed as claimed by EQUIFAX, and as such EQUIFAX must correct its incorrect records to reflect the internal transfer made by XXXX   which I had nothing do with, and which according to EQUIFAX, affects my credit score negatively.
Product: Debt collection

I am a XXXX XXXX of XXXX XXXX. My now X-Husband who 2 years ago XXXX  me very bad and I had to be reloacted by XXXX XXXX XXXX. Around XX/XX/2017 I contacted Capital One Auto to pay my car note thru the phone system and I was asked to identify what account I wanted to place a payment for. I have only and always had 1 account with Capital One and it was not a credit card it was auto. I contacted Capital one numerous times but I never get anywhere but transfered from one department to the next. I sent a IDenty Theift Letter 2 months ago and they never responded. I proved that this was not my account and that my X-Husband was the person pretending to be me and I had a email from my X-Jusband that he was going to have me so far in debt and ruin my credit my name that i would have no choice but to come back and take his XXXX. 
its hard enough to find the strenth to walk away from a XXXX   relationsip to leave your home with nothing but the clothes on your back and still be XXXX not listen to because he had access to my personal information. Capital One Credit Card Company even mislead me a the end of last year when I was behind on my car note I was contacted made a p [ ayment arrgangment for the amount I was behind on on my car note but this was not my car note this was the fraudlent Capital One Credit Card ... Well I paid XXXX to what I thought was my auto loan payment but it was the credit card company and I became even more behind on my car note becasue the money went to a credit card
Product: Debt collection

The original creditor XXXX XXXX XXXX  has recognized this item as identify theft and no longer reports to the credit bureaus, or has been blocked from reporting by the credit bureaus. XXXX XXXX XXXX is a third party debt collect they sold the debt to before the investigation was complete. Because the original creditor recognizes this account for what it is, I request that the third party debt collector, XXXX XXXX XXXX do the same, and either voluntarily stop reporting, or the Credit bureaus should recognize this as party of the original debt that has been resolved and block XXXX from further collection attempts including credit reporting.
Product: Credit card or prepaid card

On or about XX/XX/XXXX or,XX/XX/XXXX, I ca n't remember the exact date, I tried to purchase sweat pants from XXXX, using my XXXX/Debit card. The customer service rep told me I could get a discount if I applied for a XXXX XXXX card. I said OK, but, I do n't want to use the credit card at this time, I want to pay for my purchase using my XXXX/Debit card so that I can read the terms of your credit card first. The customer service rep charged my purchase on the XXXX credit card anyway. And, it turned out, it was n't a XXXX card in the first place. So I thought I paid for the items in full on my XXXX/Debit card. It turned out this was not the case. Subsequently, I have received statements from XXXX, stating I owed them not only for my purchase, but " fees charged '' and " interest ''. I have called XXXX Customer Service several times, including today, this time asking for a supervisor. I was referred back to their bank, I believe it 's XXXX XXXX ( XXXX ) and was unable to resolve this issue. In addition, today the bank rep threatened me liens and legal action. I do n't stand for threats from anyone for any reason! I am willing to pay for the items in question, but nothing more.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove this account listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX : {$0.00}
Product: Checking or savings account

I am having fee problem. I opened a new account with the bank. As it is fairly new, I have been waiting for a {$300.00} new account bonus. I may need to try again since it hasnt posted. 
I am unable to meet all of the requirements such as a {$500.00} direct deposit each month and {$5000.00} average daily balance in all accounts. I am having issues with all credit card payments through the banking app being set up to withdraw from this checking account when pressing XXXX card, Make payment and Pay it using the banks app. I started getting a monthly service fee assessment XXXX XXXX XXXX and I assumed I had until XXXX XXXX XXXX to get a reversal of that monthly service fee from XX/XX/XXXX and close the account. A new monthly service fee assessment posted XXXX XXXX before the account could have the fee reversal for the previous month. 

I needed the account closed so that I can press on can Pay card, Make payment and Pay it through the online credit card debiting program and not have the account balance be debited.
Product: Credit reporting, credit repair services, or other personal consumer reports

on Eperian report, it shows unconsent soft inquiry of SOFI Lending ( XXXX tel ) given unknown resource using my personal information
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX / {$62.00} / XXXX/XXXX/2022
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX  XXXX {$870.00} XXXX XXXX XXXX XXXX 
XXXX {$1900.00} XXXXXXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

USBank LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX On a recorded line, XXXX with USBank has violated CA State and also required us to hide money from XXXX by saying the homeowner needed to bring in funds to close the short sale. USBank had previously approved this short sale at $ XXXX. Now they want {$11000.00}. I told XXXX and her XXXX XXXX, that what they are asking us to commit XXXX ILLEGAL ACTS 1 ) Violate State Law by asking a homeowner to bring in funds in a short sale, and 2 ) Violate Federal Law by giving a XXXX TD more money than is allowed by XXXX. 

With all the stuff in the media with XXXX XXXX being fined by the CFPB for this exact same loan fraud, it amazes me that USBank is now so blatant as to ask us to commit federal loan fraud by providing funds outside of escrow - essentially asking us to HIDE MONEY FROM THE FEDERAL GOVERNMENT.
Product: Student loan

I have reached out numerous times asking why I am still obligated to pay a loan back from a school who had false advertising practices. I didn't even XXXX because the misinformation I was given. The cost of the private loans have been inflated so high that I haven't even touched the principal amount. My loans never made it to default or delinquent because I was pushed into multiple forbearances as my only option because I couldn't afford for my credit to take a bigger hit than it was. I have XXXX kids to support and paying almost $ XXXX for student loans that I can't do anything with because the school no longer exists is absurd. Since the federal govt already ruled to forgive student loans for all XXXX XXXX students, why should I still suffer by paying almost $ XXXX for nothing? I'm just trying to take care of my family and I can't even put medical bills first because of student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX about account has been over 6 years old and they stated that account was brought back by creditor and clock was restarted again for another 6 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax again, has reported another account out of the blew on me that doesn't belong to me. I am honestly sick of having to make these complaints with Equifax reporting false accounts over and over, and not honoring the fcra laws to verify accounts they report. Under fcra 809ab, the accounts they report should be fully verified with all the required items/documents one creditor must have to legally report info on ones report ( mine ) This account is not mine, fcra 605b and fcra 809ab are the laws this Equifax bureau is continuously to turn their cheek on. Its ashame, i need help with fighting off these random creditors allowing a id thief to open accounts in my name and giving benefits to Equifax to report this stuff, its all illegal business, unfair business practices on both the creditor and credit bureau.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Collection account MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Account # XXXX Hello back on XX/XX/XXXX & XX/XX/XXXX, I opened a dispute to XXXX requesting proof of their investigation to prove that the debt that is being reported on my credit report is accurate and deed mine. I asked in both disputes that they provide me with a consent of the debt with my signature. I never received anything in writing per my request of proof that an investigation was done, and verifying the debt belongs to me. My dispute for XX/XX/XXXX results came back from XXXX on XX/XX/XXXX stating ( The incorrect account with MIDLAND CREDIT Management that starts with XXXX has not been changed and will remain on your credit report. And still no paper work was sent explaining their process and procedures of the investigation that they did to prove the debt belongs to me. Dispute XXXX XXXX, the results came back on XX/XX/XXXX, stating ( The incorrect account with MIDLAND CREDIT Management that starts with XXXX has not been changed and will remain on your credit report. And still nothing in writing showing that a proper investigation was performed, and inclusion of their findings the account belongs to me.
Product: Checking or savings account

I have account with wells fargo for almost 20 years. suddenly i got a letter that Bank is going to terminate the business relationship. first they said it will be only wells trade investment accounts then they close my banking accounts without giving sufficient time. I am not able to do any deposit on my account and they said it will be closed in 30 days.my tax refunds are supposed to come to this account and all my bill pay are through this account
Product: Credit reporting

I am a financial coach. Yesterday ( XXXX/XXXX/2016 ) I met with a client who was turned down by his credit union for a credit card, based on the CU 's review of his Experian credit report. We went to experian.com and tried, unsuccessfully, to obtain a free credit report based on denial of credit. He then tried by phone, going through a lengthy series of questions - including verification that he was requesting the report due to denial of credit. He got to a point that the only next step offered was to enter credit card information to be charged {$7.00} for the credit report. I later tried myself, using an alternative phone number from experian.com, and had the identical experience - same questions, same demand for the {$7.00} payment, same absence of any way to speak with a real person. I paid for the credit report with my own credit card so that my client would receive a report in the mail, and later called Experian to explain the problem and dispute the charge. ( How I connected with an actual person is another story. ) I spoke with a representative who said she would report the phone system problem and refund the {$7.00} charge on my credit card. I am reporting the problem to the CFPB to improve the chances that Experian will address the problem. ( The identifying information provided in the next step is my own, not my client 's, as I do not have his permission to use it in this context. )
Product: Money transfer, virtual currency, or money service

I set up a Gemini account on XX/XX/2021 and they allowed me to deposit XXXX usd on XX/XX/2021 into my account. I sent them the proper verifying I.D they asked for. While my state I.d . was cracked up top. it still had all the information visible on it. They are denying my verification because of it and now there are not allowing me with withdrawal my money. The state of Michigan is behind on getting I.D and appts into the secretary of State due to covid still. I do not know when I can get a new one, and I do not have a passport. They should not be able to keep my money till then.
Product: Debt collection

I am writing to demand the immediate removal of the erroneous and fraudulent collection account listed under National Credit Systems Inc. XXXX XXXX XXXX XXXX XXXX from my credit report. This collection account is wholly inaccurate, and I do not owe any such debt. 

Additionally, this collection activity is in direct violation of 15 U.S.C. 1692c, which protects my rights under the Fair Debt Collection Practices Act ( FDCPA ). This debt, which I do not owe, has been reported without proper validation and constitutes a serious violation of federal law. 

As per this letter, I am sending you a formal Cease and Desist demand. You are to immediately remove this derogatory item from my credit report, cease any further collection attempts, and refrain from any further unauthorized and unlawful reporting of this debt. Failure to comply with this request will leave me no choice but to pursue legal action, including filing a lawsuit against XXXX and any other involved parties for violations of my rights under federal law. 

Please be advised that this is your final opportunity to correct this matter. If this inaccurate information is not deleted from my credit report within the next 15 days, I will not hesitate to proceed with the necessary legal steps, including seeking damages for the harm this has caused to my financial reputation. 

I expect immediate action on this matter. Please confirm in writing that the account has been removed and that you will not engage in any further violations of my rights.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/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 XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX, under the account number XXXX, XXXX  XXXX card on XX/XX/XXXX under the account number XXXX, another XXXX  XXXX card personal credit account opened at XX/XX/XXXX, under the account number XXXX, an account opened at XXXX on XX/XX/XXXX with a an account number XXXX, an account with XXXX  opened on XX/XX/XXXX with an account number XXXX, an account with XXXX XXXX, opened on XX/XX/XXXX with an account number XXXX, an account with XXXXXXXX XXXX XXXXXXXX opened on XX/XX/XXXX with an account number XXXX, an account with XXXX opened on XX/XX/XXXX with an account number XXXX, an account with XXXX XXXX  XXXX opened on XX/XX/XXXX with an account number XXXX, an account with XXXX  XXXX  opened on XX/XX/XXXX with an account number XXXX, and a XXXX  XXXX bankruptcy, which has never been confirmed by the courts and I have not filed with a filing date of XX/XX/XXXX, as well as fraudulent inquiries of my credit report with XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit
Product: Debt collection

Getting sick was the worst thing that I ever encounter in my life.The medical bills are outrageous and not affordable especially when you do not have insurance, The company takes basically calls and calls all day and night and I am sorry I never want to be sick again but I can not afford these bills, I am a single mom who pay check is completely gone due to fact that I have so many bills .I don't even have gas in my car for work what am I suppose to do at this point.Help please.
Product: Credit reporting or other personal consumer reports

I am sending to dispute certain late payments listed on my consumer report, as obtained on [ insert date ]. Upon reviewing the report, I have identified discrepancies in the information furnished by your agency. It has come to my attention that there are potential violations of federal consumer protection laws in the handling of my credit information.

I would like to draw your attention to pertinent consumer laws established to safeguard individuals like myself in credit transactions. Under 15 USC 1666 ( B ) and 15 USC 1637 a ( a ), it is explicitly stated that reporting a payment as late on an open-ended credit plan is impermissible under any circumstances. Additionally, according to 15 USC 16819 ( B ), consent from the consumer is required before furnishing information on their behalf. To date, I have not granted such authorization to [ name of company reporting late payment ].

Your failure to adhere to these regulations not only jeopardizes my financial standing but also undermines the integrity of my consumer report. This letter serves as a formal request to rectify the inaccuracies present in the following listings on my report : XXXX. Account Name : XXXX, Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX, Account Number : XXXX XXXX. Account Name : XXXX, Account Number : XXXX XXXX. Account Name : XXXX, Account Number : XXXX XXXX. Account Name : XXXX, Account Number : XXXX XXXX. Account Name : XXXX, Account Number : XXXX I request that you promptly investigate and update the aforementioned entries to reflect accurate information, as required by the Fair Credit Reporting Act ( FCRA ). Any information provided must be thoroughly verified, and any erroneous data must be expeditiously removed.
Product: Debt collection

GE CAPITAL RETAIL BANK now known as Synchrony Bank allowed a credit card to fraudulently be open in my name opened XX/XX/2013 in the amount of {$1500.00}. Account number : XXXX. I am a XXXX XXXX XXXX veteran. They allowed someone to open the account using my old address from government housing. They sold the debt to XXXX XXXX. I didn't find out about this fraud account until XXXX started calling me 5 plus times a day. I have sent the fraud form to XXXX 5 different times and they keep claiming they haven't received it. They have harassed me since they bought this fraud account. In XX/XX/XXXX XXXX posted this account on my credit report on top of Ge Captial Retail Bank/Synchrony Bank having it reported on my credit report.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 I was notified by my credit manager that Sun Loan Company, XXXX XXXX XXXX XXXX, XXXX, TX XXXX, ran a hard inquiry on my credit without my knowledge. I do have an open account with them but in no way, shape or form, was I notified of this inquiry which resulted in a downfall of my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had and have credit freezes on the 3 credit bureaus accounts. There was a fraudulent request from XXXX XXXX for a credit card on XX/XX/06. 
There was no effort by me to allow the credit check by XXXX XXXX on the XXXX, Experian, and XXXX sites. The accounts were " frozen. " Yet, all three bureaus while the accounts were on freeze status released my data. The card 's limit was almost maximized within a few weeks. XXXX XXXX has closed the account due to suspicious and abnormal activity. 
They have been almost impossible to get a real fraud investigation started to verify this crime.