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

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : {$15000.00} ), XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$16000.00} ), XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$31000.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit card or prepaid card

I have a credit card through Synchrony Bank. It is a Care Credit Card that allows you to defer medical and certain other purchases. Every month I am forced to call them when I make a payment to make sure it's not allocated to my promotional purchases. This month they really screwed up. I called and specifically asked that my XXXX payment apply only to my current balance to pay it in full. When I checked my account, 2 promotional balances had been paid off and I had a balance of almost {$1300.00}. I called and spoke to a manager named XXXX and told him what I had read in statute XXXX. He stated that their policy was different and this didn't apply to them. He was not going to reallocate the money until I told him that they record all conversations and that the mistake was made by their employee and I would not take no for an answer. Does this statute really not apply to them? It is beyond inconvenient to call every single month and hope that they get it right. Thank you!
Product: Checking or savings account

During XXXX last year, my friend owed me amount of money around {$10000.00}. He told me he could only transferred less than {$500.00} once because he transferred money too frequently so he transfered the total of {$10000.00} with several times. At the end of XXXX, Chase told me they would close my account permanently due to unusual transactions. I went to Chase branch at the beginning of XXXX. Chase told me they would sent the remained balance as check which was estimated at {$2700.00} to me in 10 business days. I have been waiting for 2 months and there is no any response from Chase. Chase also did not tell me the reason why they close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Since my crytocurrency accounts for XXXX, XXXX, and Coinbase were all hacked in XX/XX/2021. My currencies were stolen and redirected to an unknown hacker. More than $ 100,000+ could have been profited if the theft did not occur. I've made a police theft report and provided the reference number to all three crytocurrency platforms. I've been trying since XX/XX/2021 to regain access to my three accounts. I've sent all required documents/information that these companies headquarters that were requested, and now all accounts are locked. I've sent a copy of my XXXX, DL, and made a LIVE VIDEO with me holding my ID as instructed by these companies in verifying my identity. On XX/XX/2021, I made a faithful attempt to recover/regain access to my account, in which I drove over 32 hours to XXXX XXXX, CA with hopes of speaking with someone directly. Although, XXXX address look-up locations provide you with a address & phone number of each company headquarters, but unfortunately, all three companies headquarters are only empty buildings and mailbox locations. I took several pictures as proof for my records of the locations for XXXX, Coinbase & XXXX  that I visited during my trip. As of today, I've been unsuccessful on gaining and reclaiming my accounts. It is important that I claim my funds, so that I can secure the things that I had originally plan. I would appreciate your assistance in this matter as soon as possible.
Product: Vehicle loan or lease

The account was paid off in full. The account was overpaid by {$960.00}. Ally bank refuses to refund the overpayment.
Product: Vehicle loan or lease

I the consumer and natural person was denied line of credit by Santander when I submitted a consumer credit application to obtain a vehicle which is a violation of cfr 1002. Adverse action against a consumer is against the law according to the Equal Credit Opportunity Act which is codified 15 u.s.c 1691c and is pursuant to civil liability under 15 u.s.c 1692k. I have proof that I was discriminated against due to your letter that was sent XX/XX/23 which makes you criminally liable for violating 15 u.s.c 1691. Furthermore, my social security card ( credit card ) was used, and I received NO BENEFIT which is proof of fraudulent activity on behalf of Santander. If Santander fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make Santander criminally and civilly liable for all actual damages pursuant to 15 u.s.c 1681n and 15 u.s.c 1681o. Without Prejudice All Natural Inalienable Rights Reserved.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is several inquires actually 21 on my Experian report all in which 3 were made by me. I just got off the phone with XXXX in disputes department and she was very rude and did not want to do her job. She told me that I can validate all these inquires myself that its not her job. My report states due to fraud a couple months back it states i am a victim of fraud and to contact me before proceeding. That has not ever happened. Not to mention I pay monthly off my credit card for this monitoring service of they offer.. I also have 2 accounts that have never been validated to me for a year now and they keep responding meets FCRA requirements. MUST NOT IF YOU CANT PROVIDE DETAILS to me.. Bottom line if you don't want to do your job then stay home!!! My report is locked but i get 21 inquires REALLY!! I cant describe the way this XXXX has changed my whole out look on this company I pay monthly to help keep my information safe and make sure things are reported correctly. These people do not understand the importance of the job must be these reports run our lives and differs comfort or struggle ...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX cra violation no knowledge of this account
Product: Credit reporting or other personal consumer reports

I have no knowledge of or consent to these following credit inquiries, and it has been placed on my credit report without my authorization. This unauthorized inquiry not only damages my credit score but also constitutes a potential violation of consumer protection laws and the Fair Credit Reporting Act ( FCRA ). 

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

Equifax has violated the Fair Credit Reporting Act. They have not responded in a timely manner with any results within 30 day to 45 day time frame. Involving my letters with erroneous credit accounts, and that i do not recognize. I have sent them letters.
Product: Money transfer, virtual currency, or money service

I invested in physical gold with XXXX XXXX XXXX I wired them XXXX domestic wire of {$60000.00} and exchange for physical gold that was supposed to be shipped to my home. 

Never received the physical kept calling XXXX XXXX got the runaround then my calls and emails have gone and answered. Looks like they possibly have gone out of business and pocket of the money. 

I got my credit union involved, Navy Federal credit Union, and they tried contacting the other institution that I sent the funds to XXXX XXXX XXXXXXXX. But they havent had any luck and they went ahead and closed the case. And they said that my money would not be protected by the government, which I dont understand why.
Product: Student loan

I submitted a complaint, escalated this to the Ombudsman Group, and contacted both Nelnet ( my servicer ) and FSA. Last time I called, I was hung up on by FSA. I requested information about the status of my teacher loan forgiveness application. I submitted my application and it was approved by FSA on XX/XX/XXXX. I call Nelnet for a status update and they say to call FSA. I call FSA and they say to call Nelnet. I need my {$17000.00} forgiven because I paid everything up until that number, and now interests keep accruing and I have to keep paying it off. My payments are still due but I feel that my loans should already be forgiven. It's been months and much longer than the date they said they should address it by. They refuse to respond to my complaint and even hang up on me when I try to call. 

Then, I finally received a payment on my account on XX/XX/XXXX for the XXXX amount of {$17000.00}, however it was applied XXXX loans that were already paid off! As a result, my balance on the account is exactly the same. I called Nelnet and they stated that they put the loans on, " refund, '' status, but with how they handled everything so far, I do not imagine that anything will be resolved without third party support from CFPB. I have called twice since then and they have given me different answers each time about what will happen. 

1. They told me once that Nelnet will refund directly back into my account and I will receive retroactive refund for everything since the date of XXXX  for current payments made. 

2. They told me another time that Nelnet will NOT refund directly back into my account and I will get a check when it processes. 

Nelnet is stalling the process, causing confusion with differing answers, and poorly managing this process. They stated that the refund is not with them, but with FSA, but FSA stated it is with Nelnet. Which is it? He said, she said situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The EXPERIAN Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter to the credit bureaus regarding several inaccuracies that was on my credit report. This maybe due to my information being compromised in the XXXX Data Breach.I have asked for a resolution and have yet to receive a response. It has been more than 60 days. I feel as if my concerns are being ignored by these bureaus. I understand that in Section 611 ( a ) states, failure to investigate these items within 30 days give reason to immediately remove the items from my credit report. It has been 60 days and no response. I demand these accounts be removed immediately or I will file for litigation.
Product: Debt collection

Was sent numerous collection notices for {$6100.00} that at the time I did not know how to dispute until now. I contacted the debt collection agency ( Lockhart Morris & Co ) on XX/XX/2022 and the representative could not locate my name or the collection account.
Product: Checking or savings account

I opened a savings account with XXXXXXXX XXXX ( an online bank that is a division of the First National Bank of Omaha ) in early XXXX and deposited {$20000.00} almost immediately. 
On XX/XX/23, I received an email stating that my account had been restricted due to " activity that requires further evaluation '' and that someone would contact me. The money was transferred out of my XXXX checking account, into XXXXXXXX XXXX, on XX/XX/23. On XX/XX/23, I emailed XXXXXXXX XXXX to ask why no one had yet contacted me. I received a response on XX/XX/23 that my inquiry was being sent to the correct team. No one contacted me. I followed up on XX/XX/23, as I had yet to be contacted, again demanding that someone reach out to me about the steps needed to remove the restriction from my account. It is now XX/XX/23, and I have yet to be contacted, and my account is still restricted. I have not had access to my {$20000.00} for 48 days now.
Product: Debt collection

IQ DATA, a collection agency for XXXX XXXX XXXX has posted a debt collection entry on my credit bureau. 
I do NOT owe this debt! 
I was given a notice in XX/XX/2021 that my lease would not be renewed by the property management company so I moved out in XX/XX/2021 and they are charging me for a lease break fee since my lease initially ended in XXXX and also one months rent. I do NOT owe these funds and I would like this removed from my credit bureau reports.
Product: Debt collection

Capital One still has not provided me with all the information I have requested. I have submitted a XXXX Police Report and am in the process of filling out the packet for proper ID Theft Submission. Per the original request, I wish a paid in full letter sent to me by this company. Incident Report XXXX Police XXXX - XXXX attached. 

Capital One - ( {$430.00} ) ( certified Validation letter ( s ) etc. sent ) Company refuses to provide valid full information regarding the fair credit reporting act ( original application etc ). I provided this company with a notarized affidavit. Company Letter ( s ) Note : I am responsible for all charges after investigation, information regarding " how '' the investigation ( s ) were handled was denied. ( by phone )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Re : Credit Score reporting and score complaint exclusionary conduct claim To whom it may concern : I am submitting this complaint pursuant to FCRA 15 U.S.C., section 1681 : 1. I have noticed that on my report is inaccurate information reporting by your company regarding XXXX  account. I have payment arrangements with XXXX  and I contend that credit report indicate that I am not paying on same. I deny that claim and contest it.

2. I state that my credit score is discriminatory and unfair. I state that I believe exclusionary conduct is being applied to my credit score reporting an
d that it arbitrary and capricious.

3. I state that XXXX, TransUnion, XXXX  and XXXX report my score in vast difference of scores. As of XX/XX/XXXX XXXX  reported my score as XXXX based on TransUnion  data. However, TransUnion report my score to XXXX XXXX as XXXX. This is a vast margin of 52 points, and I contend that these scores are exclusionary conduct and fundamentally unfair in differentiation. 

4. I state that XXXX  is not consistent with my actual credit report. I state that I had a below average score of XXXX when I had much more debts and collection accounts, and wasnt paying on the accounts at time. So how is it that at the time I have paid off numerous accounts, keeping my payment history at 98 %, and no deragotory marks that my score continue to lag and take a low dive? I contend that this is sheer discrimination! 

5. Furthermore, I state that I have reasonable evidence of XXXX   practicing Algorithms against me due to my race, social, cultural, and religious affiliation and associations.

6. THEREFORE, in compliance with the Fair Credit Reporting Act of 1970 and the Equal Credit Opportunity Act, I respectfully ask XXXX  to re-evaluate my credit score, and upgrade same in the spirit and color of law of fundamental fairness. 

Respectfully submitted, /s/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX Email : XXXX XXXX [  XXXX. ]
Product: Checking or savings account

XXXX : USAA Federal Savings Bank XXXX son and I share a checking account through USAA on XX/XX/2020, this account was hacked : fake mobile deposits ( around {$3000.00} total ) were made immediately followed by several money order purchases. The account had little money so these purchases were over-drafted through my savings account, emptying that XXXX about {$3000.00} XXXX. USAA was immediately notified and supposedly started an investigation. I was told the account was put into " credit only '' status. 

Meanwhile, the hackers hit again on XX/XX/2020. There were no more funds in either account, so it was treated as a negative balance in the checking account and there is still a negative balance today. 

On XX/XX/XXXX, I received an email from USAA notifying me the investigation had determined there was no fraudulent activity and closed the case. 

At this point, I am out {$3000.00}, there is still a negative balance on the checking account XXXX about {$500.00} XXXX and my repeated requests for documentation supporting USAA 's decision have been ignored. XXXX XXXX initial request was near the end on XXXX. )
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX have filed a lawsuit against me for transactions I disputed on my Discover Business card. I provided XXXX XXXX with copies of FTC IDTheft Affidavit, XXXX police reports and copy of IDTheft protection product coverage paid for 4 years to discover. Also, XX/XX/XXXX a lawsuit class action against Experian was settled on individual basis. Experian was the provider of the IDTheft product I paid Discover every month since XX/XX/XXXX. All documents were ignored and thus costing me thousands of dollars to fight. I have not been able to turn in claim re-emburisment papers as this is never ending. I spoke to XXXX XXXX, attorney from US Dept of Justice and sent him various recorded conversations of people posing as federal officials threatening to seize all property and jail me but could not offer help, per se. NV AttorneyGenerals office told me to file a " private right of action '' but I ca n't find an attorney licensed in NV. Discover and XXXX have violated in excess of XXXX consumer violations including facilitating third-party payment processors and high-risk merchants illegal activity on my cards and provided no risk management. In fact, " I provided an obscene amount of documents from websites scam reports, blacklist, XXXX, even CFPB 's case fining Discover XXXX for their IDTheft product. I 've pressured corporate office fraud/disputes to review my case and demanded documentation validating disputed transactions. Nothing was done and letters stating charges were valid, were sent and no docs showing a bonified offer or service. I have also made a {$2000.00} payment that did not post or reflect my balance and Discover debited my XXXX XXXX checking account XXXX unauthorized. This caused overdrawn fees and return check fees. They have pounded and dictated my life for years, took my money, ruined my credit, and made me unable to get a job. My life as I knew it is gone. I 'm not the same person. I do n't trust ANYONE, I 'm unable to focus & complete tasks, and i 'm an hour late for everything because of anxiety of leaving my home. it seems people or XXXX dollar companies can do whatever they want to whomever they want and there 's nothing I 've been able to do about it. Discover and XXXX XXXX have ruined my life and my relationships from living in constant crisis in defensive mode. I 've done so much research and work and none of it has been acknowledged or taken into consideration as to my dispute. I feel like I 'm spinning my wheels and it 's a state of hopelessness to get any kind of justification for the criminal and fraudulent happenings that are taking place, from any government entity. I do not presume to have the knowledge that your division has spent years of experience and perfecting what is a fair penalty for consumer red dress, but I implore you and seek your intervention as I no longer can fight. I am financially out of resources.
Product: Debt collection

This is not regarding my loan and I am not a customer with Ally. On XX/XX/XXXX a representative named XXXX at XXXX extension XXXX contacted my wife 's nephew ( XXXX XXXX ) in regards to his XXXX XXXX but she did not call my wife directly, she contacted Mr. XXXX 's step mother and left a message as this " This message is for XXXX XXXX my name is XXXX I am calling in reference to XXXX XXXX and XXXX XXXX ''. My wife 's last name is not XXXX. Back in XXXX my wife assisted our very young nephew with an extension fee payment and having a conversation with his Ally account. When my wife called and spoke with XXXX ... XXXX 's exact words were " You are left as an authorized user ''. ( Last time I checked authorized users were not for auto loans ). My wife tried to explain in detail what happened and why her name was on the account and asked for no more calls instead XXXX hung up on her. My wife called back and spoke with a supervisor who agreed to remove her number. Today I received a voicemail from the same XXXX. I'm only associated to your customer through marriage. He is not my direct relative. Not only did I receive a voicemail but this XXXX felt it was necessary to contact MY MOTHER! My mother who has absolutely ZERO association to your customer. She has only met XXXX maybe a handful of times and that is it. This is absolutely ridiculous and a violation of the consumers personal rights. I myself will be taking this a step further and hiring an attorney after the harassment that I endured. There is ZERO reason for XXXX to be contacting 3rd parties who are not associated with the loan. When I called to file the complain the rep who I had on the phone had the audacity to ask if I could have the customer call in to tell them to remove the numbers. I told per law he is to remove any numbers when asked to.