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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Account Number : XXXX XXXX XXXX XXXXccount Number : XXXX XXXX XXXX Account Number : XXXX SXXXX XXXX Account Number : XXXX FXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account Number : XXXX NCB ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Debt collection

On XXXX, I received a text message from XXXX stating I had a debt, and to reply HELP for info. I replied HELP at XXXX EST, but received no response. Later that day, at XXXX EST, I called the number on the text message ( XXXX ) XXXX ( XXXX EST ). After a minute, the call was disconnected after identifying the debt. I called back at XXXX EST, and I asked to speak to the same person I was speaking to previously, but the gentleman stated that he is not able to transfer me but he can help me. I asked for different resolution options, but before I could discuss my intentions in paying, the rep offered a 2 time settlement. Although the settlement is something I would like to discuss later on, the only thing I could offer at this time is to pay {$25.00} a month, until I can get some money together to pay 2 lump sums. He declined multiple times, and I had to repeat myself as to what my intention was. He was not interested in conversing with me being that I have some experience myself in debt collections, and after XXXX minutes of going back and forth with him, he disconnected the call. I called back at XXXX EST to continue to try to get this resolved, however, I regrettably got the same rep, who did not state the mini-Miranda prior to speaking to me again about the debt, and when I called him out for being unprofessional, he stated that he does not work in customer service to abide by those rules or policies, and then hung up on me again while I was trying to explain to him what my intentions were to resolve the debt. After having this terrible experience, I had no choice but to make a one time payment on the account to avoid aging of the debt. I should not have to deal with this level of unfair treatment being that there are laws that protect me from this kind of behavior.
Product: Checking or savings account

An international hacker got in my checking account and deposited a fraudulent check that resulted in my account being closed. I reported the incident on XXXX and asked America First Credit Union if I could be given a new account but they ignored my request. I had just gotten my account and I really needed to have it and didnt think it was fair I lost it when this individual was hacked into my bank accounts, social media, utility accounts, and ID me account stealing my money and getting my accounts closed unfairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I discovered that all three credit bureaus, XXXX , XXXX   and Transunion are continuously reporting a " revolving '' credit card from   XXXX XXXX XXXX , with a balance o {$900.00} on my credit report in spite of my dispute filings and complaints of inaccuracy. I do not have and have never had a card from this company with this balance owing. This is a balance & card that I do not have. No verification provided by any source in over 30 days. 

It is an item that should be completely removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. 
I had very good credit, limited debt, and paid most or all of my accounts on time. I have always been very responsible about my credit. The fact that numerous accounts are suddenly on my credit, opened at the same time period and which are all in default, should make it obvious that these accounts are not mine and never were. 
I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.

Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was closing on a refinance Va Loan on XX/XX/2019. The terms were that we can skip XX/XX/XXXX and XX/XX/XXXX payments. Mortgage co., XXXX XXXX XXXX screwed up the closing and did not disclose to us to pay XX/XX/XXXX payment. We moved with the closing into XX/XX/XXXX, funding was not paid to NewRez mortgage. On XX/XX/2019, we were instructed to pay XX/XX/XXXX payment and the new terms were skip XX/XX/XXXX and XX/XX/XXXX payments. Even though NewRez mortgage received their money, they went to as far to report us 30 days late for XX/XX/XXXX payment. I in-turn called XXXX XXXX XXXX to report the problem. As of today neither XXXX XXXX XXXX or NewRez mortgage corrected XX/XX/XXXX 's late payment. 

XXXX XXXX
Product: Credit card or prepaid card

2 Bank Of America Accts w/Unauthorized charges/Fraud charges totaling over XXXX. All fraud charges have been filed 2 times w/BOA separately & both later denied ( XX/XX/XXXX ). 

My Actions to Date : XX/XX/XXXX : Fraud reported & $ $ removed from accts. 6 wks later, all unauthorized $ put back on XX/XX/XXXX : Police Report filed & investigation opened by XXXX XXXX. 
XX/XX/XXXX : Alerted BOA of police report & re-submitted claims ( # 2 ) ... later denied again by BOA XX/XX/XXXX : Thief was identified on video & more info was relayed to police detective. 

XX/XX/XXXX : FTC IDENTITY THEFT report created & submitted to BOA. Other Info sent : -Specific Name & contact info of the thief confirmed in video, so BOA fraud dept could use -Police Detective & Police Reports /Case # Details -Summary/Documentation showing unauthorized charges broken down by month in XXXX. 
( Requested once again for all fraud charges be removed ) **All charges that have been claimed as fraud were 100 % unauthorized. All charges were initially removed & later added back on. 

XX/XX/XXXX : BOA employee signed for FTC IDENTITY theft reports ... 
XX/XX/XXXX : As of today, there has been 0 follow up from BOA since FTC report. ( almost 30 days )
Product: Credit reporting or other personal consumer reports

I noticed that there are fraudulent inquiries on my account and I need them removed. XXXX - JPMCB Cards Services XX/XX/year> XXXX - JPMCB Card Services XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a credit check and an inquiry that was made with TD retail card services wasn't by me. Someone either tried to open an account or has opened an account under my name with TD bank. This has also caused my credit score to go down.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNTS INQUIRES Equifax XXXX XXXX XXXX ( 3 ) XXXX XXXX XXXX XXXX ( 3 ) XXXX XXXX XXXX XXXX .... 
XXXX XXXXXXXX ( 3 ) XXXX XXXX XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX ( 2 ) XXXX XXXX XXXXXXXX ..... 
XXXX XXXX ( 2 ) XXXX XXXX XXXX ..... 
XXXX ( 1 XXXX XXXX XXXX ( 1 ) XXXX XXXX XXXX XXXX XXXX XXXX ( 1 ) XXXX XXXX XXXX XXXX ( 1 ) Factual Data XXXX XXXX ( 1 ) XXXX / XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( 1 ) XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account have now been not only placed on my Equifax but has now been placed on my XXXX and XXXX not all accounts appear on all 3 bureaus but these accounts are all affecting my credit, life and making it very hard for me to survive Several accounts have tried disputing with the bureaus and no action is being taking at all I am being told that they have been receiving payments on some of these accounts and I have not made any payments on accounts that do not belong to me! I have only tried calling the creditors to dispute the items and no luck.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/year>. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report.

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.

Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.
Product: Money transfer, virtual currency, or money service

XX/XX/year> - I sent {$2000.00} via XXXX to my friend XXXX. However XXXX did not recognize this transaction or the name of the sender, I am known as XXXX but my legal name is XXXX, so he reported it as fraud to his bank, Well Fargo. When we connected later on in the day and I verified the transaction was indeed from me, XXXX tried to call his back to cancel the fraud claim but was told that once a claim is initiated that its not possible to cancel the claim. 

XX/XX/year>- Wells Fargo withdrew {$2000.00} from XXXX account due to the fraud claim he initiated a few days prior and reversed the transaction back to my account. XXXX was told that itll take 10 business days for the funds to show up in the mine account XX/XX/year> - After numerous calls with Wells Fargo Customer Service, Fraud Department, Claims Department, and even speaking with a branch employee, XXXX and I were not able to track down exactly where Wells Fargo sent the money to nor were we able to find traceable reference numbers regarding the reversal. 

Original Wells Fargo Claim Number ( This is the claim number from XXXX initial fraud claim that he tried to cancel ) : XXXX New Wells Fargo Claim Number ( This is the subsequent claim number from when XXXX and I spoke with a branch employee ) : XXXX XXXX Transaction Reference Number : XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : DEPT OF EDUCATIONXXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 


Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations. 
Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to all three credit bureaus about XXXX XXXX acct XXXX It is reporting inaccurate information because it is a collections account and it is showing past due. A collection/debt buyer account can not show past due because they bought the account from another company. That is inaccurate and per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

On XX/XX/2023 I was scammed out of {$900.00}. {$400.00} cash and {$500.00} on a gift card. A man and his pregnant wife claiming they were from XXXX and their cards werent functioning asked if I would help them by giving them money that they would return to me. In turn they gave me fake jewelry they passed as real gold as a way to ensure I trusted them and after they got the money their phones were disconnected and they made off with my money. Ive contacted the FTC, Attorney General, Local Police and my banks. Im not getting any resolution and Im struggling for money.
Product: Credit reporting or other personal consumer reports

FCRA 605B might need us to erase wrong accounts from my credit report. Could you look at the papers? Some accounts have wrong info about reporting, wrong amounts, and dates.
Product: Credit reporting or other personal consumer reports

XXXX XXXX SOCIAL SECURITY # XXXX Hello, my name is XXXX XXXX , and I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 


Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of 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. 

Unauthorized Inquiries : Inquiry Name : XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX  Removal date XX/XX/XXXX Inquiry Name : XXXX XXXX Removal date XXXX XXXX Inquiry Name : XXXX  XXXX Removal date XX/XX/XXXX Inquiry Name : XXXX Removal date XX/XX/XXXX Inquiry Name : XXXX XXXX Removal date XX/XX/XXXX Inquiry Name : XXXX XXXX Removal date XX/XX/XXXX Inquiry Name : XXXX  Removal date XX/XX/XXXX Inquiry Name : XXXX XXXX Removal date XXXX XXXX Inquiry Name : XXXX XXXX  Removal date XXXX XXXX Inquiry Name : XXXX Removal date XX/XX/XXXX Inquiry Name : XXXX XXXX  Removal date XX/XX/XXXX Inquiry Name : XXXX XXXX  Removal date XXXX XXXX Inquiry Name : XXXX XXXX  Removal date XX/XX/XXXX Inquiry Name : XXXX XXXX  Removal date XX/XX/XXXX Inquiry Name : XXXX Removal date XX/XX/XXXX Inquiry Name : XXXX XXXX  Removal XXXX  XX/XX/XXXX Inquiry Name : XXXX Removal date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete From My CREDIT REPORT 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXXXXXX XXXX XXXXXXXX : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX XXXX XXXX XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I was contacted on XX/XX/XXXX, XXXXXXXX XXXX by text, I looked up the company and XXXX said it was debt collection agency, I replied HELP and for help and then requested a debt validation letter. It is now XX/XX/XXXX and I still have not received a debt validation letter.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Futhermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and finical loss, and I seek appropriate redress for these violations.
Product: Mortgage

I have a mortgage account with Bank of America, bank of errors. I am trying to close my escrow account since early XXXX. In the past, under the name of " account analysis '' they made terrible mistakes on the escrow amount which led to much higher escrow payments over the years. Funds added to escrow are ignored/overlooked or outgoing insurance payments are counted multiple times causing the escrow payment go bigger and bigger each year. In previous years, I have spent hours on the phone to correct some of the mistakes this bank did. It's has been a terrible experience. Their customer service is awful. Recently, I have been trying to close my escrow account as I had enough of their mistakes. I have called Bank of America 8 times between mid XXXX and mid XXXX. Each call, I received a different story from the customer representative. It's impossible to close an escrow account through their phone lines and there is NO other way that it could be done. I want to CLOSE this escrow account immediately. I don't want to be subjected to their erroneous banking practices and manage my own finances. 
It's really difficult to explain why this bank exists. It's like cancer. Government MUST look at their awful customer service practices and take action!!! As I see it, this bank shouldn't be allowed to operate on many levels but the irony is it's one of the biggest bank in USA.
Product: Student loan

I Co-Signed a Student Housing Loan for my daughter to attend XXXX XXXX area and live in their affiliated apartments. Checks in amount of {$20000.00} plus interest rate now has the loan at {$30000.00}. 
Navient or Sallie Mae have not provided me the original loan documents with my signature on it. 
Disbursements were made in amount over {$13000.00} in XXXX. I don't know where the funds went to and my daughter was not in housing in XXXX. 
I fulfilled the orginal loan terms to release co-signor in XXXX and now Navient has several stipulations and demand were they know my daughter can't produce to release me. 
I can't get any answers to solve this issue. No cooperation from anyone and I'm at the point where I can't afford interest payments that total {$200.00} and more a month not including the payment and Navient reported negative past dues on my credit reporting.