23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

i purchased an air soft gun through XXXX  on XX/XX/XXXX, the gun was defective when i did receive it weeks later, I emailed seller on XX/XX/XXXX. I have tried resolving this with Discover since seller wouldn't respond. XXXX states they will not investigate since I filed complaint with Discover 1st since XXXX could not be reached. The seller refuses to respond to XXXX as well and quit responding to me XX/XX/XXXX. Discover charged back the card without notification and/or allowing me to supply my documents for this dispute. This is and was a defective airgun. XXXX only offered {$50.00} inconvenience credit then {$100.00} on XX/XX/XXXX. I advised XXXX rep XXXX, on XX/XX/XXXX I want my entire {$150.00} and she stated since Discover charged back the amt they have the final say and refuse to investigate AT ALL since my bank investigated. You can see where XXXX emailed the seller and NEVER ONCE RESPONDED. I advised them i would return the product but dont feel I should pay for shipping since they sent me the product defective. They didn't respond after that XXXX XXXX XXXX. 
Dispute Case ID : XXXX Transaction Amount : {$150.00} USD Dispute Amount : {$150.00} USD Transaction ID : XXXX Transaction Date : XX/XX/XXXX XXXX
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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX - XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I notified Experian that I am a victim of identity theft and they accused me of being a credit repair company/person. I am not a credit company, I am a person, human
Product: Money transfer, virtual currency, or money service

I paid XXXX to a fraud scam company and Venmo refused to pay back my money
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2015 there was a loan taken out in my name. My exs uncle worked for the car dealership where the car came from. My ex was not able to get a car in his name, so my information was used, his uncle pulled strings, then my ex didnt pay on the car. He ended up getting XXXX, and leaving me with a mess to clean up. I am not responsible for this loan, or the payments, and I want this taken off my credit report. Theres a balance owed of {$16000.00}. I also know that someone now has the car and took over payments. This account needs to be removed from XXXX, and Experian. I tried to explain my situation to the credit bureaus, and dispute the charges. But they still wont remove it. Before my ex got XXXX, there was also a final XXXX XXXX that I had against him for his XXXX XXXX   me. The XXXX XXXX happened in front of police officers as well. And since my exs uncle works for the dealership, they wont do anything.
Product: Mortgage

XX/XX/XXXX
   Recently while checking our credit report we noticed CitiFinancial is showing us as delinquent on our mortgage payments, We have consistently made our payment on a prepaid bank card and the receipts and dates are all downloadable and printable from the card. But Citi shows us as delinquent or total non-payment as of XX/XX/XXXX. I know Citi is leaving the mortgage business and the account number has changed and been flipped branch to branch the last couple years< then they never update the info on theaccount.  We have called and talked to a representative that says the payments show up on her computer but isn't sure why its showing delinquent on the report. Called her back a few days ago and she says she's having problems with people in higher positions than her changing the false delinquencies as it's Citi"s policy not to.....smh. I know this all sounds crazy and unbelievable but dealing with this company has been a total NIGHTMARE for my family and I. My wife and I want to refinance with another bank but with showing nearly 2yrs. of non or late payments, this makes this nearly impossible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint Regarding Unrecognized Account and Identity Theft To Whom It May Concern, I am filing this complaint with the Consumer Financial Protection Bureau to report a concerning issue on my credit report related to unrecognized accounts and Inquiries. Additionally, I have reason to believe that these accounts and Inquiries may be the result of identity theft. I have attached the supporting document outlining my identity theft claim for your reference. 

The unauthorized accounts and Inquiries listed on my credit report, which I believe to be a consequence of identity theft, are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have taken immediate action by reporting the identity theft to the relevant authorities. However, it is alarming to find these unauthorized ACCOUNT on my credit report, as they suggest potential fraudulent activity that may adversely affect my financial well-being.

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into these unrecognized account. I urge you to consider the impact of these account on my creditworthiness and overall financial standing. I trust that the CFPB will exercise its authority to ensure that my consumer rights are protected under the Fair Credit Reporting Act ( FCRA ) and take appropriate measures to rectify this matter promptly. 

I kindly request that you provide a written response acknowledging receipt of this complaint and detailing the steps that will be taken to investigate and resolve the issue. I kindly ask to be kept informed of the progress and outcomes of the investigation within a reasonable timeframe. 

Thank you for your attention to this matter and for your assistance in resolving this issue. I trust that the Consumer Financial Protection Bureau will act diligently and with utmost care to address this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company has failed to update the current status of report I notified all three Credit Bureau of the situation and all have failed to properly investigate the issue. I reported a Company named XXXX  XXXX to all three Bureaus about inaccurate information and no steps have been taken to remove the inaccurate information from my account.
Product: Debt collection

On or about XXXX of XXXX, I was notified by checking my credit bureaus reports by XXXX, XXXX, XXXX  XXXX, and I noticed a creditor by the name of mountain Runs Solution whom I was not familiar with. I was later contacted by them through a unrecognized number. After speaking with a representative, I asked why I was not contacted before now and was told by representative that they did not have my address and they told me that they had sent the letter to my last address at XXXX XXXX XXXX in XXXX, Georgia, where my son used to reside and where I resided with him at that address in XXXX from XXXX to XXXX of XXXX. They said they sent the letter to that address and this was bit puzzling for me because I had the system installed in my house at XXXX XXXX  XXXX, XXXX, Georgia XXXX in XXXX of XXXX and maintained the system from XX/XX/XXXX until XX/XX/XXXX, and now they are saying that I owe then {$94.00} which I know not to be true. To my knowledge the account was sold to XXXX from XXXX and from XXXX to Mountain Run Solutions debt collection. I contacted XXXX Monitoring company and they said they had no record of my information. Mountain Run must have gotten my information and is now trying to harass me for money I do not owe because I honored my contract from XX/XX/XXXX until XX/XX/XXXX according to their own recollection. I am asking that they send financial proof that I owe this money or this matter be dismissed off of my credit report. I had a high credit score until they sent this ridiculous report to XXXX. XXXX has dismissed it, but with no proof of this collection against XXXX is falsely reporting this on my credit report. I have been working with the CFPB and was given a case # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Numerous attempts have been made to contact XXXX as well as Capital one and after my 3rd attempt I am forced to file a complaint. 

XXXX is reporting incorrect information via XXXX XXXX and it is affecting my credit score heavily.

XXXX is only showing 1 account reporting and that account is showing that the last payment made was 2012 which is incorrect. XXXX   and XXXX are showing over 10+ current accounts I maintain as well as displaying the correct information from my Capital One card.

I am asking to please help get this resolved as my other bureaus are close to a 800 credit score and my XXXX  score is around 600 with inaccurate information.

Your help with this matter is much appreciated.
Product: Credit reporting or other personal consumer reports

To whom it may concern, There is a need to ensure that a consumer reporting agency exercises their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand a deletion of all personal identifiable information from my consumer credit report with exception of or if it is not there update it to the following information Please delete all non-mailable addresses, I demand that my DOB be furnished the correct way. Delete all information in the employer section Please delete all fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 


Enclosed is a copy of State ID, Utility bill showing proof of address.
Product: Checking or savings account

Bank of the wests XXXX Contact Center supervisor named XXXX ( bank number XXXX ) is worst candidate to represent Bank of the West. 
I have had two overdraft fees charged on my checking account on XX/XX/2023. I usually use my bank of the west account on sales deposits for one of my online stores. I contact the bank customer service to get help and get my overdraft fees to be waived. I was told by first representative XXXX from XXXX office that he can reverse one of the payments only. He told me I can ask my supervisor for second overdraft fee to be reversed. After XXXX the supervisor got on line whole story changed. Supervisor XXXX states that the representative gave me wrong information, that she will not refund non of the overdraft fees. She didnt want to give out any information about representative, most likely she didnt want to me to have a reference. I have work for my money hard and for {$12.00} charge I hate to get {$35.00} overdraft fee charge. She is most rude and doesnt even hear what customer has to say. Her position is customer service supervisor and the way how he handles is going to bring a lot of lost customers for Bank of the West. If bank of the west agent doesnt contact and help me resolve this issue within timely manner, Im leaving the bank. I dont want to have any business with the bank that lets their supervisor act very unprofessional and hang up on the call even though you try to ask them question or details of decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a result of the XXXX Equifax data breach I am a victim of identity theft. I have included the identity theft report for documentation. The information, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have spent a great deal of time writing Equifax from XXXX - XXXX in relation to the data breach. Equifax has reported multiple inaccuracies in my credit file with regard to this alleged bankruptcy tradeline. I have located the inaccuracies on my credit report and have circled them in red ink to highlight the incorrect information. I am entitled to an accurate credit report under the Fair Credit Reporting Act. I have contacted consumer protection financial bureau, the FTC, the New York State Attorney Generals office, Equifax, attorneys for consumer reporting, credit repair servicing companies, and Ive paid a small fortune fighting against this data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX & XXXX XXXX XXXX - XXXX. 
XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX 15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

Other FCRA laws I have found to be violated : 15 USC 1681e ( b ) 15 USC 1692c 15 USC 1692j 15 USC 1681a ( 2 ) ( b ) 2021 IRS Publication 4681 15 USC 1666b 15 USC 1681a ( 2 ) ( a ) ( i )
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a chance to view full credit report and I saw many inquiries that I have no acknowledgment of. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 items 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/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2200.00} XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX  ( Original Creditor : 01 XXXX XXXX ) XXXX Balance XXXX {$630.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

On XX/XX/XXXX I received a letter dated XX/XX/XXXX from my current mortgage company ( Nationstar Mortgage, also known as Mr. Cooper ) that my mortgage will be serviced by XXXX XXXX XXXX   effective XX/XX/XXXX and that they will stop accepting payments on XX/XX/XXXX. This violates the 15-day notification rule 1024.33 ( b ) ( 3 ) ( i ). Also, I received the second letter on XX/XX/XXXX, dated XX/XX/XXXX that my ACH transfer for the month of XXXX will take place around XXXX business days after XXXX/XXXX/XXXX and that my account will not be assessed a late charge fee, but they do not say anything about interest charges that might be assessed by XXXX XXXX if the mortgage payment is processed this late in the month. Also, I logged in to my new XXXX XXXX Mortgage account online, but I do n't have an option to make a payment on my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

A letter was sent to XXXX on XX/XX/2022. To date, I have not received a response from them regarding my request for a thorough investigation of several accounts being reported on my credit report. It is my understanding that XXXX is in direct violation of my rights to receive a thorough investigation within 30 days of requesting.
Product: Credit reporting

I requested a copy of all XXXX national credit report and there was a hard inquiry on my credit by a third party credit reporting agency. I submitted a certified letter to Corelogic Credo/ Data, requesting a freeze on my credit report as well applied online making the same request in XXXX and to this date I still have not received a response from this third party credit reporting bureau.My certified mail tracking information is showing that this company has not even sign for my letter as of the mailing date on XXXX/XXXX/2017. I feel that hey are indeed trying to give me the run around.
Product: Mortgage

My mortgage loan was sold to Fifth Third Bank. Two months after loan was transferred I receive notice that my escrow is almost {$2800.00} overdrawn. I contacted the Bank via phone and was promised a reanalysis. This was supposed to be completed 1 week ago, but I still have not heard anything. My attempts at contacting them by phone and on-line have been rebuffed as they are constantly telling me my info ( loan #, SS # ) is invalid or my registration can not be completed at this time. I have spent several hours on this and am very upset that their automated systems prevent me from talking to anyone!
Product: Bank account or service

The Identity Theft Assistance XXXX is a nonprofit dedicated to working with industry, law enforcement and government to help consumers prevent, detect and recover from identity theft. Founded in 2004, our mission was to put consumers and their experiences XXXX in the fight against identity fraud. 

I was a former customer of Bank Of America Corporation. Bank Of America Corporation closed my account after I was a victim of documented fraud. 

However, contrary to the XXXX policies and marketing material available via XXXX : XXXX Bank Of America Corporation refused to provide me with a referral to the Identity Theft Assistance Center.
Product: Credit reporting or other personal consumer reports

I notified XXXX XXXX and Equifax and XXXX  About fraud accounts and I also notified the companies that these companies did not have my written consent to report to any 3rd parties and or share my information with any 3rd parties. 15 USC 1681 ( a ) accuracy and fairness of credit reporting. ( 4 ) There is a need to insure that consumer Reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 15 USC 1681a ( 2 ) EXCLUSION - EXEPT AS PROVIDED IN PARAGRAPH ( 3 ) THE TERM " CONSUMER REPORT " DOES NOT INCLUDE ( i ) REPORT CONTAINING INFORMATION SOLEY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT.
Product: Student loan

I attended XXXX University XXXX for profit school XXXX from XXXX - XXXX. I was pressured into finalizing my enrollment quickly and made promises that were not kept. The only option available was Sallie Mae XXXX XXXX Loans, I was given no other options. I now have over XXXX in private loans on my credit and my XXXX year-old mother co-signed the loans, so she is liable, as well. We have been harassed for years by agressive collectors who call our houses and our cell phones, and have received collection letters demanding payment in full. I am praying that someone can help me with a solution because these colleges have been preying on innocent people for too long. I am now working in a position that only pays $ XXXX per year because I ca n't find a good job without an education and I have been unsuccessful in my attempts to qualify for further financial assistance to complete my studies. Please help me if at all possible. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a released State Tax Lien reporting on my report in the amount of {$3700.00}, which I was never made aware a lien, issued an IRS Form XXXX ( XXXX ) to tell me I had a lien nor a XXXX ( XXXX ) Release of Federal Tax Lien. This was reported in XX/XX/2016 and when I disputed the validity, it was marked released two months later -however it was not removed. 

Experian and XXXX are illegally reporting this State Tax Lien, after 3 dispute attempts.