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

To the Consumer Protection Bureau, I am writing to bring to your attention a matter of great concern regarding my recent examination of my credit report. Upon thorough review, I have uncovered a troubling issue the presence of fraudulent accounts that I have no knowledge of. I have initiated the process of disputing these inaccuracies and fraudulent accounts, as none of the entries on my report correspond to any transactions I have ever made. It strongly suggests that I may have become a victim of Identity Theft. 

I am dismayed to report that this is the seventh time I am attempting to address this issue. It is disheartening to witness the persistent inclusion of this inaccurate information, which continues to violate my consumer rights. I emphatically request the immediate removal of these entries, as they egregiously misrepresent my credit report. 

I trust that you will give this matter the utmost attention and ensure the necessary actions are taken promptly to rectify this grave injustice. 

Sincerely, XXXX XXXX
Product: Debt collection

Fraud and identity theft Debt is already paid and discharged I didnt give permission to be furnished on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disobeying the laws. I have showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can keep go onif you need me to all I'm trying to do is provide a better life for my family. 

The credit bureaus have no respect for the laws.
Product: Checking or savings account

I am trying to remove myself from a joint savings account that I am on with my ex-husband. I am being told that I do not have authority to do so without his signature. He will NOT cooperate. I do not need the account closed I just need to be removed before he stacks up fees that I will be liable for because he will not pay fees.
Product: Student loan

My loan has been put into forbearance under the behest of Navient. Multiple times Navient has denied me the ability to pay the loan according to my financial situations. Rather, Navient, has forced me into expensive forbearance programs which have run into arrears. I was put into default and have had to pay a 14 % fee to return the loan back into good-standing in order to just to apply for IBR. Why was this not available to me beforehand? Why has Navient been unable to counsel me into a better program. I was directed into a debt services company for Navient ( XXXX ). A 14 % fee has now increased the loan by $ XXXX which has now allowed me to enter into IBR only after this fee has been assessed. This is not right and is unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I mailed a Multiple Inquiry Removal Letter by certified mail in order to dispute information, in regards to multiple hard inquiries that were being reported on my credit reports. They recieved this request XX/XX/XXXX and responded XX/XX/XXXX. The request that I submitted included the list of Hard Inquiries that were not factual and I received the same response for all inquiries, stating " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. Receiving a response five days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I did not inquire or signor give consent in any way for the inquiries and was looking for a validation into where they came from. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries and request that they be removed from my credit report.
Product: Debt collection

Dear, XXXX XXXX This letter is being sent to you in response to : Response to a listing on my Credit Report and your communications I received on XX/XX/year>. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least XXXX days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within XXXX days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX. I mailed my FTC report and my license to XXXX, XXXX, and Equifax. I will be filing a civil suit about fraudulent information reporting on my consumer reports.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended XXXX alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Checking or savings account

On XXXX XXXX I received a check from a company called XXXX XXXX XXXX to participate in a paid adverting program. The program was to pay me weekly to advertise their company on my car for 3 months. I was to receive the check ( in amount of {$1900.00} ),  deposit it, keep my portion of {$450.00}, and pay the remaining to the company that will was my car. On the day of XX/XX/2020 I called my bank BBVA COMPASS to speak with the fraud department to see if they can check to make sure the check is legit and not fraudulent. The employee I spoke with advised me they are not able to check but informed me that at the worst the check would be deducted back out my account it is not a legit check. He also informed me to contact the bank on the check ( XXXX XXXX XXXX ) to confirm funds and to give myself peace. On XX/XX/2020 I called XXXX XXXX XXXX ( listed on the check ), to confirm the check is not fraudulent and to make sure funds for the amount were available. The employee I spoke with confirmed that it was a legitimate check and the amount of funds in the account would cover the check. As the check continued to show as " pending '' in my account I stayed in contact with the XXXX company to keep them updated on the process. On XX/XX/XXXX, I received a return check for the check amount in addition to a {$15.00} return check fee. I received another return check on XX/XX/2020 for the check amount and additional {$15.00} return check fee again. On XX/XX/2020 I reached out to my bank BBVA again to ask fo clarity and was treated as to I was trying to deposit the check over and over. Which I was not, hint the reason of me calling. I was later transferred to the fraud department that treated me as if I did something wrong. My account with the check deposited in and my personal account I share with my husband was then froze and currently still is by BBVA Compass. That is why I asked both banks in the beginning was everything ok not fraudulent with the check. On XX/XX/2020 BBVA Compass deducted {$1800.00} out of my joint account I share with my husband ( which is not the account the check was deposited in ) and deduction {$170.00} out of the account the check WAS deposited in.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states, " There is a need to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX, XXXX, and XXXX are Consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared, as noted in 15 USC 6801, which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' Guild XXXX Company is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states, " In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : following the written instructions of the consumer to whom it relates. '' Guild XXXX Company, the financial institution, and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information, and they do not have my written permission. All acquiescence to XXXX, XXXX, and XXXX, Guild XXXX Company, whether verbal, non-verbal, written, implied, or otherwise, is revoked. 15 USC 6802 ( b ) ( c ) declares that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is elucidated how the consumer can exercise that nondisclosure option. '' They never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) discloses, '' Except as authorized under subsection ( b ), 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. '' This account is a negative item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A reveals, " 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 1681e states, '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Furthermore, 12 CFR 1016.7 states, " A consumer may exercise the right to opt out at any time. '' I am opting out of reporting services. ''
Product: Credit card

Wednesday XX/XX/XXXX, XXXX XXXX denied me for a credit card. When asked about Denial reasoning information was not given.
Product: Credit card

Citi Credit Card Account : XXXX XXXX XXXX XXXX Name XXXX XXXX XXXX / XXXX XXXX XXXXXXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX, XXXX AZ XXXX We are a small size XXXX XXXX XXXX we have been a Citibank customer for over 20 years, I have a Double Cash reward membership credit card. We have over {>= $1,000,000} charged to this account, over the years, that were paid in full at the end of each month. 
While paying ( early ) for my credit card, we just completed a new XXXX XXXX  townhomes project and majority of the new tenants paid their deposit and first month rent in Money Orders. We forwarded those money orders as payment for the monthly balance to XXXX XXXX  with a copy of all Money Orders, and amount to our company XXXX. We did not know that XXXX XXXX  would not accept such payments. No warning and no notification in this direction.Without warning our card we used for over two decades, was no longer active... 
We wrote the bank at least four times, for the reinstatement and for release of the Tank You points to us, and promised to pay through our online banking, future balances, with no success. 
I called and made a request to get our acquired Thank You points back, but never got any communication back about this. The phone number we were referred to us to call for the The Thank You points has is being diverted to overseas call center where I would spent 30-45 minutes to end up in majority of cases with being insulted, even humiliated, or attendant would just hang up, ( interrupted ) call. 
If the company refuses to reinstate the Credit Card account, we acknowledge that that is there prerogative, but the earned Thank points of : 1 % - acquired at the time of purchase, 1 % - acquired at the payment of balance, to be credited to us immediately, as both condition were fulfilled by the account holder. 
Thank You for your cooperation and your help in this matter. 
XXXX XXXX
Product: Prepaid card

In XX/XX/year> I was awarded a payment of {$100.00}. The money was compensation for a data breach at XXXX and XXXX of which I was a victim. Instead of sending me a check I was sent a prepaid digital credit card for the {$100.00}. The card never worked when I tried to make online purchases. When I called the customer service number on the card I was told the card was 'blocked ' but received no explanation as to why. To unblock the card I was asked for extensive personally identifiable information. The request for my personal information came from 'XXXX  Customer Service XXXX which is an operation I have never heard of. I believe XXXX of XXXX things is going on. A ) the XXXX and XXXX breach didn't happen and the whole story is just an elaborate ruse to steal my identity B ) The XXXX and XXXX breach did happen but XXXX is blocking the payment so they can keep the money for themselves.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, my mail began to be forwarded to a fraudulent person/address. One item of mail that was forwarded was an unsolicited credit card application for a Bank of America credit card. After realizing this was a fraudulent forward request, the USPS stopped the forwarding. A new credit card from Bank of America showed up at our house. This account was opened using the fraudlently forwarded credit card application. When I called Bank of America to alert them to the fraudulently opened card, they assured me that the card would not be activated and would not show up on my credit report since we caught the issue before the card was activated. Unfortunately, this was an absolute and utter lie as the card was opened and activated after that phone call. I have reached out to XXXX and XXXX to have this card removed from my credit report and they refuse to take it off because Bank of America says that it is a valid account. I currently have a report in to the sheriff 's department of XXXX XXXX regarding this mail fraud. 

I have attached the receipt that shows I submitted a police report. They have not yet assigned someone to the case. 

I also have a confirmation number from Bank of America from when I reported this fraud and they told me the account was never opened. Case # XXXX
Product: Debt collection

Received email that I owe debt to XXXX bank however NAR collections contacted me with bank statements that is not enough information to prove supposed debt is mine. They dont have my social security information nor a signature from me ever owning this debt. Statements are not enough proof! I sent notice today XXXX24 to validate debt as statements are not enough and also i dont owe this debt. Thr attached docs only show transactions and not my signature on ever having ownership of XXXX  account. Bank statements are the only proof they have provided and lacks ownership as i did not sign for this account. I will continue to submit disputes every 30 days until collection attempts stop
Product: Credit card

Please review the documents attached. I am requesting the bureau to initiate an investigation into these accounts, as they incorrectly report me as late, despite my consistent punctuality.
Product: Checking or savings account

On XX/XX/2019 A Home Equity Line of Credit with Citizen 's Bank was paid off in full via ACH from XXXX XXXX. Bank statements show this transaction being completed and credited to my account on XX/XX/2019. On XX/XX/2019 a " preauthorized '' debit for the monthly payment of about {$350.00} was debited from the checking account with balance of about {$79.00} resulting in an overdraft. This payment should not have been processed by Citizens due to the XX/XX/XXXX payment in full. Citizens refuses to reverse the double charge to the account, refuses to refund the {$79.00} and refuses to close the accounts as of a phone call on XX/XX/2019. It appears Citizens ignores payments that XXXX out balances, pre-authorizes debits well in advance of payment date and without any procedure for cancellation by the consumer. Further, their policies are designed to maximize fee income by refusing to close accounts.
Product: Money transfer, virtual currency, or money service

On Tuesday, XX/XX/2019, I was searching on XXXX for tickets to the XXXX XXXX XXXX at XXXX XXXX for game 3 in XXXX Playoffs. I found an ad that had pictures and information on the seats, and for how much. The price was {$190.00} for 2 tickets. I had contacted the person to set up a meeting and to buy the tickets. Through text message, XXXX XXXX requested money to be sent through XXXX and would then have the tickets transferred over through XXXX. I transferred the money, and heard nothing back from the person. I never received the tickets and was scammed out of {$190.00}. I then immediately call up Wells Fargo and issue a claim on the scam. Through transfer after transfer, I finally get my claim issued, after multiple telling me that ill most likely get my money back through the claim due to the information on the scam. Today, on XX/XX/XXXX, I follow up on the claim and here that the issue has been closed and declined due to it being XXXX related, this ofcourse after a countless amounts of transfers once again. According to Wells Fargo employees, XXXX claims never come back approved, so why even issue the claim in the first place, in addition why would multiple tellers tell me that they were confident in receiving my money back. In addition, apparently any XXXX account can be created with any phone number, and not the one thats tied to the bank account, which sounds like a total security hole. The money should be issued back from Wells Fargo as a refund due to the fraud protection, with money transfers are included in, which includes XXXX.