23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

There was a social security fraud with me and my husband, XXXX XXXX, on XX/XX/XXXX ; they hacked my online banking and made an unauthorized transaction from my XXXX accounts from Bank of America on that day and many transactions after that day until now. They also made many unauthorized transactions with my XXXX XXXX Account too. They have been making transactions between my and my husbands bank accounts. They have used my card for online shopping, cash out, restaurants, and grocery shopping. They tried to use my name and my husbands XXXX to open several accounts from different banks, including XXXX, XXXX, and XXXX. I called all my banks to investigate this, had my cards replaced, closed all my old accounts, and started a new one. However, the banks couldnt figure this out and stop the unauthorized transactions. I lost {$7000.00} from account XXXX and {$1700.00} from XXXX ; however, Bank of America only credited me back {$1500.00}. I also lost {$5000.00} from my XXXX XXXX account, but XXXX XXXX also did not credit me anything and just told me to go home and wait for their letter. They were trying to transfer me back and forth on the phone and could not help me at all. I also tried to call all three bureaus ; XXXX, XXXX, and XXXX, to place a credit freeze and report to identity theft services ; however, the person that had my SSN information also hacked into my accounts these XXXX bureaus and changed my email, and I could no longer log in to my accounts to manage my transactions.
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to close my PayPal account. I am using my PayPal account for my online business angieolshope since XXXX. My PayPal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I Will get back my account and able to Withdraw My funds. Thank you and godbless. 

For identification, I attached my valid ID.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax 2x in regards to 2 different cases where someone else applied for XXXX XXXXXXXX bank, fraudulent activity that wasn't from me. It ultimately brought down my score a significant amount. The first call I explained them the situation and got hung up on. The second time was similar. The 2 hard inquiries were both from XXXX  XXXX, one was on XX/XX/XXXX and the other one was XX/XX/XXXX. Equifax did absolutely nothing to help my fraud case please help. Equifax is in clear violation of 15 U.S. Code 1681, ( a ) Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent correspondence to XXXX, XXXX and Experian in regards to myself being a victim of XXXX XXXX XXXX XXXX XXXX Protection Act, 22 U.S.C. 7101 et seq. ) Pursuant to 1022.142 ( e ) ( 1 ), these reporting agencies had four days to comply and remove the items described in the correspondence sent. There has yet to be any corrections made by blocking harmful information and it is apparent that these companies XXXX, XXXX and Experian are willfully and intentionally allowing my suffering to continue and are causing harm to me and my family. They are clearly in violation of Federal Law, and as a Federally Protected Consumer I demand that actions be taken and corrections be made. This is not a matter to be taken lightly. It is the responsibility of the CFPB to enforce our rights as consumers and protect our interests. Please assist me in obtaining relief. I shall be reaching out to federal authorities and plan to request a full audit against these companies for being accomplices to my pain and suffering as I attempt to move forward with my life.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a recent data breach and request that the following fraudulent accounts be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1900.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2013 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Student loan

I believe that they have failed to correctly apply my payment to principal and interest. I do not believe my interest has been calculated correctly. 

They do not accurately list how much I still owe on the original principal amount. They do not provide an accounting of how much I have paid in interest in total. 

They refused to allow me to release my co-signor when I applied, even though I met the requirements.
Product: Credit reporting or other personal consumer reports

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need to be disputed : Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have several issues with XXXX but the most recent Im very hindered by. XXXX is reporting my credit card usage is up by 38 % and I am holding NO BALANCES my score dropped 50 points???? In 2 days??? Something is clearly wrong! They need to adjust and fix! Also they send me a link through Credit Karma for XXXX XXXX  and said I was approved for a XXXX Credit Card cluck the link and it would not affect my score it clearly has!!!!! I am working hard to fix all these incorrect issues in my credit and XXXX has been the only agency Thats difficult and still reporting wrong information! And dropping me 50 points in one day!
Product: Credit reporting or other personal consumer reports

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have raised serious concerns about Equifaxs failure to conduct proper investigations. The CFPB alleges in a lawsuit that Equifax violated consumer protection laws by performing inadequate investigations, contrary to its obligations under the Fair Credit Reporting Act ( FCRA ).

Per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax must conduct a thorough reinvestigation of disputed items within 30 days. Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) requires that any inaccurate, incomplete, or unverifiable information be corrected or removed promptly. Failure to meet these requirements constitutes a federal law violation. 

I am disputing the following unresolved negative items on my credit report : XXXX XXXX XXXX - XXXX - {$95.00} XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX CXXXX XXXX XXXX - XX/XX/XXXX Despite my repeated disputes and providing all necessary information, these items remain unverified. This inaction has caused significant financial harm and emotional stress. 

As guaranteed by the FCRA, I am entitled to an accurate credit report. I request immediate action to verify or remove these items to resolve this ongoing violation of my rights.
Product: Checking or savings account

The last complaint I filed against Huntington Bank was not a duplicate complaint so now they lie to avoid take responsibility for wrongness of XXXX XXXX. As telecheck has accused me of having an account with Huntington Bank I NEVER HAVE. If you are serious about resolving this problem then you contact telecheck just the simple and you turn this over to your experts THE FRAUD DEPARTMENT. Then I will take Huntington Bank seriously about what happened to me by XXXX XXXX using XXXX fake SSN numbers XXXX and XXXX at XXXX XXXX XXXX XXXX MI XXXX XXXX involved XXXX and XXXX and XXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXX 

Identity theft fraud chase claim no. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection on this XXXX  XXXX for months.XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Debt collection

On XX/XX/2020 sent AR Resources a letter to validate the debt to show any signed contract with them for services rendered. No reply was received back within 30 days. They have failed to validate the request of showing signed contracts or agreements with this company or signed. I haven't received a response to validation which clearly violates my rights. I am proceeding with legal action as prescribed by law against AR Resources should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation and reach out to the Attorney General on this matter. I urge you to take this extremely seriously as I have documented my case without error. I encourage a deletion from all three credit bureaus expeditiously.
Product: Credit reporting or other personal consumer reports

Dear Experian Dispute Department, I am submitting this letter to dispute the presence of several unauthorized accounts on my credit report. My personal information has been compromised, and I request an immediate investigation and removal of the following accounts that do not belong to me : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts were fraudulently opened and reported without my consent, violating my rights under the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Protecting my right to accurate credit reporting and privacy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Prohibiting the reporting of accounts without my consent. 
Enclosed are supporting documents, including a personal statement detailing my identity theft situation, to assist with the resolution of this matter. 

Please investigate and take the necessary actions to remove these accounts from my report. Should you require any additional information, please contact me at your earliest convenience.
Product: Credit card or prepaid card

Citi lowers my credit line every 6 months and this has happened at least four times. Enough is enough on XX/XX/2021. I get your credit line was revised. Citi refuses to change it back. This is ridiculous considering my credit only got better monthly. Each time they do this my credit score take a huge hit so it dropped XXXX points. 

So each time CITI had done this my score has dropped. XXXX points total. I believe that Citi does this intentionally so a person can never get ahead. Ive never missed a payment. I would like Citi to do the right thing. See my FICO from there website. They continue to lower my score every six months.
Product: Student loan

A payment {$2600.00} was sent to XXXX XXXX ( serviced by Navient ) and was posted to the wrong student account. Since Navient found where it was incorrectly posted, Navient has made XXXX manual entries trying to post the {$2600.00} payment between XXXX of my private loans and backdate it to XXXX/XXXX/14 ( the date it was posted to the wrong student account ). The payment still has not been posted correctly after six months and XXXX entries. After numerous calls and countless hours dealing with Navient 's Customer Service ( you ca n't speak to anyone who actually posts your payments or knows how it works ), I finally found someone who would request my account be audited by Navient 's " Finance Dept '' regarding my payments and the interest paid in 2014. I finally received XXXX separate letters from Navient for each audit ( payments and interest ). The XXXX letter said the interest I paid in 2014 was {$53.00} ( I made XXXX payments of {$210.00} each in 2014, plus the additional {$2600.00} payment ). The XXXX letter showed all of the " payments '' in 2014 with a breakdown of how much was applied to Principal and how much to Interest. When you add up the Interest Navient showed, it totals {$3200.00}. Please explain to me how XXXX letter says interest paid in 2014 is {$53.00} and the other letter shows {$3200.00}. The letters were dated XXXX day apart. Neither letter is correct. Navient has made so many errors I do n't know if anyone can fix it, but certainly no one at Navient is capable of doing it. I am so frustrated with not being able to talk to anyone at Navient who understands Accounting and can see the errors made in the XXXX entries they have made. I am hopeful CFPB can research and reconcile my account and ensure Navient processes the correct entries to resolve this.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( account name, account number ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX, along with U.S. Bancorp AND Elan Financial Services, cancelled my XXXX Visa Rewards card ( last four digits XXXX XXXX per attached letter dated XXXX XXXX, 2020 ( received XXXX XX/XX/2020 XXXX. Reason given, per attached letter, " Your account was reviewed by a credit scoring system that assigns points based on pattern of usage for your account. We are unable to renew your card because your account did not score sufficient points on the following factor : Your account has been inactive for at least 12 months '' I was at work and got " USPS informed delivery '' email that I had letter from " Cardmember Service ''???, then read letter when I got home that advised that Visa Card was cancelled, with no identification of what financial institution visa, just last 4 digits of some card. In fine print at bottom of letter, it stated Elan Financial Services - still did not know what this meant, except that Elan is a very poorly rated financial company, with a ranking of XXXX out of XXXX, and known for very poor services with many alleged allegations of fraud. Then I learned that the card is my Fidelity Visa card which I have always been proud to own and is tied to and reported on my Fidelity Accounts - This shocked me that Fidelity would let me down after so many years of being a faithful customer. 

- My credit score is XXXX out of XXXX XXXX Score. US Bancorp, Elan and now Fidelity have numerous reports of impacting credit  ratings after canceling credit cards - The Letter makes no mention of the rebate point/dollars ( REWARDS ) that were earned over a decade in having this card - Fidelity heavily promoted this Fidelity Visa Rewards Signature card, which is a main reason why I applied for the card, which I was proud to own, especially with the 2 % cash rebate provision - The Card user agreement I signed made no mention of a minimum yearly usage requirement - if it had, then I would have used it more often. 
- There was no pre-notification letter from Fidelity that I needed to use this card more often, or it would be cancelled. There was no pre-notification whatsoever, except for the attached letter that came " out of the blue ''. Elan Financial Services is such a schlock outfit, they had to put there name in very small type in the footer of the letter. 
XXXXThis is an outrageous fraud on the public where Fidelity , US Bancorp and Elan are purposefully creating fraud by damaging my credit rating FIDELITY , AND THE COMPANY FIDELITY IS  PROPPING UP AND HIDING BEHIND, US Bancorp and Elan Financial Services MUST MAKE FULL DISCLOSURE AND CORRECT THIS DAMAGING PRACTICE OF PURPOSEFULLY DAMAGING THE CREDIT SCORES OF UNSUSPECTING PERSONS THAT HAVE ALWAYS TRUSTED FIDELITY   TO DO THE RIGHT THING.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND EQUIFAX credit bureaus have allowed an unscrupulous original creditor, XXXX, to get around the law regarding reappearing items on my credit report after deletion.XXXX XXXX XXXX, as an agent of XXXX, account number XXXX has appeared on my reports after being removed by the second agent for XXXX, XXXX XXXX, account number XXXX which was removed by XXXX 's second agent on XX/XX/2018.I HAVE ATTACHED THAT CFPB INVESTIGATION AND COMPLAINT WITH RELIEF GRANTED.IT IS UNETHICAL AND ILLEGAL FOR THE BUREAUS TO ALLOW THE SAME DEBT OWNER TO APPEAR ON A CREDIT REPORT BY DIFFERENT AGENTS AFTER DELETION OR REMOVAL AS RELIEF GRANTED BY THEIR AGENT.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against XXXX for furnishing information to credit reporting agencies without my consent. I believe this action is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 6802 ( b ).

Recently, I discovered that FNCC has furnished my personal and financial information to the credit reporting agencies without obtaining my consent. This unauthorized sharing of information has negatively impacted my credit report and privacy.

Relevant Law : 15 U.S.C. 6802 ( b ) : " Opt-out '' Requirements : This section of the FCRA requires financial institutions to provide customers with an opportunity to opt out of the sharing of their information with non-affiliated third parties. XXXX did not provide me with this opportunity, nor did I give any consent for my information to be shared. 

XXXX has shared my personal and financial information with credit reporting agencies without my explicit consent, violating 15 U.S.C. 6802 ( b ).

Lack of Opt-Out Opportunity : I was not given the required opportunity to opt out of having my information shared with non-affiliated third parties.
Product: Mortgage

I had contacted Sovereign Lending group from a direct referral from my XXXX current mortgage company for a refinance inquiry. I was simply inquiring about current rates and what my options might be. I was put in contact with XXXX XXXX, he asked some information and rattled off a few percentage rates. Then as I was on the phone with him, I get an email notice from my credit tracking service that they just did a HARD CHECK ON MY CREDIT REPORT! I did not authorize this, I did not agree to it, I was furious. I immediately told Mr. XXXX that I had been calling to only INQUIRE about refinance options and what the rates were currently at for conventional mortgages. I attempted to contact a supervisor and never heard back. I called yet again and someone told me I would get a phone call. But, at that point, its too late. The company and already hard checked my credit and now i had to scramble to look for refinancing options while it wouldn't further damage my credit rating. I definitely wasn't about to use Sovereign now due to this. THEN Mr XXXX XXXX had the nerve to mail me approx 100 pages of refinance documents with almost {$4000.00} in closing costs and saving me {$1.00} per month in mortgage payments. NOW i was mad and insulted and after he had the audacity to run credit when not authorized, is the reason for my complaint. Horrible and underhanded mortgage practices and terrible service and now they cant even fix the problem because you can not remove a hard  inquiry to credit bureaus.
Product: Credit card or prepaid card

I got a no information available for this page when I tried a XXXX search. 

They are using not fair tactics. I received no communications from them ever on an alleged issue and found out about it through my credit monitoring service. They reported my account as delinquent even though they have never sent any notices. They are just interested in making additional profits and not operating in a transparent manner.