23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was attempting to finish getting my late husband 's affairs in order when I noticed a fraudulent charge on our old account. After going through an extended process with Wells Fargo for them to even speak with me about the account, I was told that because he did not file a police report immediately after the fraud there was nothing they could do. This happened near the end of his life when he was unable to even sign his own name, let alone file a police report. I have told them that I am happy to file a police report but they have told me this does not matter, I only wish they follow the laws pertaining to fraud.
Product: Debt collection

The company said the information was obtained from a creditor whom had my personal information. I explained to the company that I do not live nor work in the US. I have been working in the XXXX since 2015. The address associated with my name is a PO Box and information pertaining to me had been used to fraudulently open and use those accounts ( XXXX XXXX XXXX XXXX ). The company in question said it's your name and thus, these are your account. I submitted my police report and verifiable information about my identity. Still, the company ignored the obvious and posted fraudulent information on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information 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 not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 ; XXXX  Inquired on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a complaint to the CFPB to investigate TransUnion for incorrect reporting. The CFPB closed the case after TransUnion responded without making the necessary updates. TransUnion simply sent a standard computer generated response saying I would be notified by mail. 

As I mentioned in my XX/XX/XXXX complaint. TransUnion has been and continues to report a XXXX chapter XXXX bankruptcy that is not mine. I have told them on multiple occasions, this was a chapter XXXX filed by my ex wife. 

I submitted letters from the Superior Court ofXX/XX/XXXX Bankruptcy division, signed by Judge XXXX that clearly stated this is not accurate, and that I did not file for chapter XXXX. TransUnion has made the fatal mistake of ignoring that judges order. 

I then contacted the agency they use to verify there information, which is XXXX and they agreed that they were also reporting in error. They provided me with a letter stating the information was incorrect and they had removed it from my credit file. 

TransUnion unfortunately has continued to ignore all of the evidence I have provided. They continue to disregard the laws that were put into place to protect consumers from predators like themselves. 

I am now hiring an attorney to file a class action lawsuit against them for defamation of character. I am asking CFPB to also encourage TransUnion to comply with the law. 

I have made dozens of phone calls to them and they continue to ignore my requests. In addition to that I spoke to a gentleman who identified himself as a US supervisor, after he chose to ignore my request as well. He said he was going to email his manager to call me asap. I have never received that call.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, Dear Consumer Financial Protection Bureau, I am writing to formally express my concern regarding the lack of action taken on my previous complaints about unauthorized hard inquiries on my credit report. Despite multiple letters requesting the removal of these inquiries, no corrective measures have been implemented. According to the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), I am entitled to dispute inaccurate information and seek its deletion if found to be unverifiable or incorrect. I kindly urge you to enforce these provisions and ensure the immediate removal of these unauthorized hard inquiries from my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 1681 - Congressional findings & statement of purpose a ) Accuracy & fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, & a respect for the consumers right to privacy. 

I did not give written consent to add anything to my consumer report if & that is a violation of the Fair Credit Reporting Act. Furthermore anything added to my report without your written consent is considered Identity theft. I'd like to add that my name has never been XXXX XXXX XXXX, XXXX XXXX or XXXX LL XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX my Bank of America card was charged {$64.00} for a XXXX XXXX XXXX controller that I did not order from XXXX. I found out about it because I received an email stating my order was on it's way. I called Bank of America and when I called, they also asked me if I had placed another order for a larger order of ( 4 ) controllers. I said no and they stopped that order. I filed a fraud charge and removed my credit card from my XXXX profile and also changed my password. 

Bank of America did give me a refund, but on XX/XX/XXXX reversed that refund. I still have the package unopened and I do not want it, did not order it and want XXXX  to pick it up. 

I have tried to call both XXXX and Bank of America several times and just get pushed around to different departments and put on hold to never get to the right person. Just today I was on hold with both companies for 1 1/2hrs.
Product: Credit card or prepaid card

I have a AAdvantage Citi Card MasterCard. In XX/XX/XXXX, I was looking at my account and noticed that my mailing address had been changed to an unrecognized address. I called the company and later learned that the following things happened on my account and I was NEVER notified : Someone logged on as me, changed my address, added an authorized user and requested a new card be sent to the address. All of these actions were not authorized by me and Citi did not do ANYTHING to protect my security. I realize that unauthorized actions happen, but the fact that all of the above happened and I never received one confirmation email, phone call or alert to ensure I authorized the changes. I've called and complained and ask for more information and have yet to find resolution. I've asked for call backs and have not received them.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. Also my information was listed in the equifax data breach.
Product: Credit reporting or other personal consumer reports

To whome it may concern, XXXX XXXX are In direct violation of 15 usc 1681 ( b ) ( a ) ( 2 ), Permissible Purpose for Consumer Report. I never gave them my written Consent to report credit usage on my file. Please provide a copy of written Consent if applicable.
Product: Credit reporting, credit repair services, or other personal consumer reports

i requested a re-investigation of the bankruptcy on my credit report and was told that it was verified through XXXX. XXXX only shows the last XXXX of a social security number. I also verified this through the bankruptcy court, in order to make sure that the information is ie : the correct full social security number, is to request a court order through the Bankruptcy court, which was not done, and that is where the error is. FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available XXXX reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The Bankruptcy Court should be the furnisher of information, not a third party source such as XXXX or XXXX XXXX
Product: Checking or savings account

I am filing this complaint for two reasons, I believe that Navy Federal failed to take proper action when I notified them of fraud on my account. They failed to mark my card as lost or stolen which allowed more unauthorized and unreimbursed charges to be added to my account. Secondly, I do not believe they did a true investigation on my account, because I was told that these types of claims could take up to 10 days and both of my claims where closed within 24 hours. They also never advised me to get a police report for this fraudulent activity. They never called to ask follow up questions. My card was used in New York and Florida which are places that I could not have been in as I was in the hospital in Kentucky, of which I notified Navy Federal. My card was used to send money to people and address that I do not know. I think these are all clear signs of fraud that Navy Federal chose to ignore. Here is an outline of my interactions with Navy Federal : XXXX XXXX Unauthorized charges appeared on my account ( Please see attached police report for charge amounts ) XX/XX/XXXX -Called Navy Federal to dispute unauthorized charges on my account. They said that they would file a fraud claim and add a provisionary credit to my account XX/XX/XXXX I spoke with a male Navy Federal representative, he notified me that there was a mistake on my claim. They had failed to mark the card as lost or stolen. 
XXXX XXXX-The fraud claim was denied XX/XX/XXXXI sent an email, to request my claim be reopened and more thoroughly investigated. As I was in the hospital and could not have made these charges. I also called several times that day. The investigation was reopened and closed again within 24 hours. 
XXXX XXXX- I filed a police report. I hopes that Navy Federal would take my claim more seriously if I was able to submit legal documentation
Product: Credit card

I complain of XXXX XXXX of birth-given name legal name by web host. I completed application for card that was unlawfully put " in-review '' than attempted to make a account profile that was shows XXXX XXXX name.
Product: Student loan

On XX/XX/2022, my monthly private student loan payment was due. The student loan servicer is Navient and the payment due was {$770.00}. Unfortunately, I forgot about it and did not make the payment at that time. On XX/XX/2022, Navient called me at XXXX am, XXXX am, and XXXX am. I answered the call made at XXXX, but the caller hung up on me. I immediately called them back to figure out who had been calling me all morning, only to find out it was Navient, calling me about the 6 day late payment. When speaking with the Navient representative, I was told they ( Navient representatives ) are authorized by Navient to call people every hour to ask for payment, which is what they were trying to do to me. I told them to stop calling me and that I believe hourly calls to be a violation of FDCPA and WI 427.104 ( 1 ) ( g ) - communications and collection efforts made with the intent to harass the debtor. I believe it is also improper to call and hang up upon the debtor answering the phone without identification, as they did during the XXXX am call.
Product: Credit reporting or other personal consumer reports

I got accounts that are too old and keep reappearing as new accounts they delete the old ones and keep the recent ones to extend the length of the statute of limitations. 
plus, the dates are wrong across the credit reporting agencies. 
i also would like to be remedied {$6000.00} due to negligence of Experian, XXXX and XXXX of disregards my rights as a consumer by report inaccurate information keeping me with a bad credit score.
Product: Debt collection

I attempted to start cell phone service with  XXXX   XXXX   XXXX  but cancelled withing the 14 day return period. The agent failed to document the return correctly and a bill was charged to me for {$740.00} in error. I received a call from a credit collection agency in an effort to collect what they though I owed. I got the necessary documents from  XXXX   XXXX   XXXX  and submitted a receipt and letter explaining the error. Now we are receiving calls again from another collections agency after  one yea r from original issue. I explained the situation to them but they will not except my explaination and is continuing their collection efforts which is calling several times a day and hanging up. They are also leaving messages with my employees stating that the company owes a debt that it does n't. The company harrasing now is RPM, under the names of  XXXX   XXXX  and  XXXX   XXXX  (  XXXX  ) Fax  XXXX .
Product: Mortgage

I requested a loan modification from Ocwen Loan Servicing on our first mortgage, acct XXXX. Submitted all the required paperwork a minimum of XXXX separate times. 
On XXXX XXXX, 2015 we received a letter from Ocwen stating we were delinquent and in default. They stated beginning in XXXX 2015 through XXXX 2015 they did not receive payments each month of {$570.00}, and that we needed to pay {$1300.00} to bring the loan current. Against my better judgement, we sent them an overnight XXXX of {$1400.00} using our XXXX. I checked with Ocwen this morning, they received the payment. Anytime we have called their Customer Service we get nearly impossible to past impossible people with extremely foreign accents, and everyone of them claims they can not hear us - we have yell ... .I am attaching a copy of the letter we received, along with bank extracts showing our payments for XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of 2015 ... ...
Product: Debt collection

I came to know from my monthly credit report that collection agency Franklin Col reported to Credit Bureau against me for collection of XXXX XXXX  XXXX medical debt of {$400.00} which I never received any invoice from XXXX XXXX XXXX and XXXX XXXX. This action of XXXX XXXX hit my credit score very bad. I have already paid this amount through my medical insurance account/ health saving account ( HSA ) which was not updated. I tried to contact XXXX XXXX  XXXX but there is no information available about this company on internet. I asked to Franklin collection to provide me the information about it and they refused to give any information about XXXX XXXX XXXX which i think it is unfair and illegal to damage someone credit score without sending any invoice.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/2021 This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

4. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/2021 This is not mine. 

5. Identity Theft THD/CBNA  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX  Account Number : XXXX This is not mine.
Product: Credit card or prepaid card

dont really know the dates but I think the card was used once after that it stopped working
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose this company is in violation of the privacy act of 1974 it is illegal to report transaction history
Product: Money transfer, virtual currency, or money service

I had an online friend ( XXXX ) real name he told me was XXXX for 2 years that scammed me with a money flip scam over the internet. He was very persistent and kept telling me he had a really big job as a XXXX XXXX and he made XXXX every 2 weeks. He recently bought a house with a girlfriend and that's why he needed money for food. He first asked for XXXX he was giving me options and finally we settled through zelle using my XXXX  XXXX XXXX account he got really excited about zelle. I didn't think at the time why zelle but now I found out that zelle unlike XXXX has zero fraud protection. He then said this was my chance to make some big money so I should send as much as I can so then I sent XXXX. He said he would give me XXXX XXXX XXXX on Thursday. Then literally the next day he told me to be a good friend again and send him XXXX dollars so he could take a plane ticket to go see his girlfriend because her mom just had a XXXX XXXX and he wanted to be there for her. He said if I didn't help him with XXXX there was no way he would be able to pay me back but if I did give him the money I got get back XXXX so I thought about it and realized I was already XXXX dollars in with this guy 's scam and was scared because he threatened to not pay me back if I didn't comply so like an XXXX I did again. Right after he scammed me out the money he started avoiding me and blocked my phone number I tried a million times to explain to him that if he needed money he could've just told me and I would've helped him with what I could. But instead he decided to scam me out of all my money and now I feel like an XXXX thinking I could've made XXXX. I tried calling zelle and reporting what happened but they said they can't do anything about it. I tried telling them that I have proof of what he did and they know both or accounts and the proof coincides with the text messages but they want to treat the scam like its not a scam and I just decided to openly give all my money to someone I've never even met with or him using malicious tactics.
Product: Credit card

I currently have a credit card with Citibank and on it I have a balance transfer and other purchases aside from that. I was under the assumption that the balances shown on the statements were my full balances. I tried to pay my bill so I would not have interest on the other purchases by paying over that amount. However, the next month there was still a balance in other purchases. Looking into the fine print revealed to me that these numbers were not actually my full balances but daily average balances. Therefore, I did not know what each balance was until I actually got in contact with Citibank. I find this to be a very deceptive way of communicating what is owed on an account, since you actually have to reach out to the company month-by-month in order to get your full balance. I had made contact with Citibank but the CSRs were not able to bring my complaint to where it needed to go in order to facilitate a change in policy.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX, specifically debt bondagewhich falls under XXXX  as defined by the XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX and XXXX ( b ) ( XXXX ) I have incurred debts that are a direct result of this criminal activity.Per the guidance from the Consumer Financial Protection Bureau XXXX CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX  XXXX XXXX to Section XXXX of the Fair Credit Reporting Act ( XXXX U.S.C. XXXX ), credit reporting agencies are required to block and remove any adverse information resulting from XXXX XXXX  within XXXX business days upon receipt of sufficient documentation. Furthermore, XXXX C.F.R. XXXX mandates the immediate removal of such information. I have provided all necessary documentation, including a victim determination letter in accordance with XXXX C.F.R. XXXX ( b ) ( XXXX ). As only XXXX forms of documentation are required by law, I trust that the enclosed materials suffice for this request. I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX
Product: Checking or savings account

At the end of XXXX, I was charged multiple overdraft fees on an account that I was trying to close with Bank of the West. The fees all piled up because of the very first fee, which after speaking to the branch, would be reversed, resulting in the reversal of all other charges. The total amount of overdraft fees was {$920.00}. I was under the impression that it would be taken care of, only to find out recently ( XXXX ), that I am in collections for the {$920.00} + {$550.00} in interest. I disputed the debt with the collection company, and after speaking to the bank on XX/XX/XXXX, they could only tell me that the debt has been sold to a collection agency and it was too old for them to help me. It is my understanding that there was a class action lawsuit against Bank of the West that dealt with the same issue around the same time. I am trying to clear this from my credit, and any help you can give is greatly appreciated.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XXXX XXXX. Since then, the account date of first delinquency has been illegally being changed every month. This is an update on the payment history. A charged off account Should reflect the XXXX time the account went into a delinquent status. The date of the first 30-day pass due notice. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Equifax : ( XXXX XXXX : ) XXXX
Product: Credit reporting or other personal consumer reports

Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. 

Thanks, XXXX XXXX
Product: Checking or savings account

I tried to open a checking account with wells fargo and they wont open it