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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  TX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$1200.00}
Product: Credit reporting or other personal consumer reports

I'm a casualty of data fraud. I'm writing to demand that you block the accompanying fake data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my FICO ratings revealing appropriately, so any assist you with canning give me with refreshing this data as quickly as time permits would be enormously valuable. We are hoping to purchase a house. If it's not too much trouble, help
Product: Checking or savings account

I am writing to formally file a complaint regarding the unjustified blocking of my account and rejection of a wire transfer request at the Citibank branch located at XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, on XX/XX/2025, at XXXX. 

I visited the branch in person to initiate a wire transfer of {$550000.00} from my savings account to XXXX for the repayment of a mortgage loan. Despite providing all necessary information, including a closing statement from the attorneys confirming that these funds originated from the sale of our second home, Citibank rejected the transfer request and proceeded to block my account without any valid explanation. I was informed that the account would be frozen for 60 days, and the bank has refused to provide a reason for this extreme measure. 

As a result, I am completely unable to access my funds online, over the phone, or in person, which is causing severe financial hardship. The {$550000.00} is urgently needed to settle the mortgage on our primary home, and this unjustified freeze is preventing timely repayment, potentially leading to financial penalties and adverse consequences. 

I am requesting Immediate access to my account and release of the funds. I will escalate my complaint to the Office of the Comptroller of the Currency ( OCC ) and other relevant financial regulatory authorities. I appreciate your support to esclate this to Citi bank for resolution. 

Regards, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently purchased a new car and all of the credit bureaus sent me a report telling me my credit score. Now there is a company claiming it is called XXXX XXXX with a 250 point disparity between 3 major credit bureaus credit scores. I never authorized for this company to have my information and they seem to be fraudulent and committing slander on the American Consumer. XXXX XXXX is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity thieft. I'm trying to correct the inaccurate, incorrect and misused information on my profile multiple times. The credit company is refusing to fix and correct issue and claim it's verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion 4 times about a hard inquiry on my credit report. They will not dispute it. I have contacted the company XXXX XXXX XXXX, XXXX IL and they sent me a email that I should submit a dispute through transunion, the only credit reporting Company that has not contacted them. It has been removed from the others but not transunion. They keep giving me the run around and telling me to do this or that. I have sent them 4 letters disputing this and I get nothing but XXXX  letters back.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : EXPERIAN****** Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX, GA XXXX Accounts XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$3100.00} XXXX XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX Open/closed Closed Balance {$0.00} XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$730.00} XXXX XXXX XXXX Account number XXXX Collection Date opened XX/XX/XXXX Balance {$240.00} XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$5300.00} XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$260.00} XXXX XXXX  XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$3100.00} XXXX  XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX Open/closed Closed Balance {$0.00} XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Balance {$730.00} XXXX XXXX XXXX Account number XXXX Collection Date opened XX/XX/XXXX Balance {$240.00} XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$5300.00} XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$260.00} XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$3100.00} XXXX XXXX XXXX Account number XXXX Date opened XXXX XXXX XXXX XXXX Open/closed Closed Balance {$0.00} XXXX XXXX XXXX Account number XXXX Collection Date opened XX/XX/XXXX Balance {$240.00} XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$5300.00} XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$260.00}
Product: Student loan

Neltnet is my loan servicer for my student loans stopped ACH payments back in XX/XX/XXXX and sent me an email saying my school was under investigation. I was told I would hear back in XX/XX/XXXXon the determination, I was told to not worry about making future payments. I then received an email Nelnet in the last 30 days informing me that my loan was placed into forbearance and that no payments were due until XX/XX/XXXX. I immediately contacted Nelnet to inform them that I did not request nor did I want my loan to be in forbearance and asked them to have ACH payments re-established. I had to ask to be transferred to supervisors multiple times as each representative told me there was no way this could happen. I was even told at one point if I wanted any documentation I would need to get a court subpoena and that I had requested the forbearance back in XX/XX/XXXX. To which I again asked for documentation and was told to call the Borrower Defense to repay hot line. I did so and was informed they had NO record of me submitting any application for discharge/forbearance. I immediately called Nelnet back again and was informed that they could now lift the forbearance . I asked for an email or mail confirmation of this and was told I would see something in the next few days. These calls took place on XX/XX/XXXX. I then asked to file a claim to waive all interest accural since Nelnet stopped was the one who stopped processing my payments and this was not at my request. On XX/XX/XXXX I recieved another call from Nelnet , by a reprensative named XXXX   stating that Nelnet could not inianiate ACH payments  again until XX/XX/XXXXbut I could go online or mail in payments. This was not the resolution I had been told when speaking with XXXX  and XXXX  with Nelnet on XX/XX/XXXX. I then recieved an email from Nelnet informing me to go online with Nelnet and fill out an application for REPAYE program. Again, this was not at my request. I had been making monthly payments and been in good standing with this loan for years. In addition to making my montly payments as scheduled and on time. In addition to this my mother had been making overpayments on the account as well. There is no explanation as to why I was ever placed into forbearance without consent and this is unacceptable behavior on the part of Nelnet. I will be following up this with a complaint to the Attorney General and a complaint has already been sent to FSA. Students should never be railroaded in this manner.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute against TransUnion for failing to properly investigate and validate my disputes regarding inaccurate information on my credit reports. Despite my written requests for validation under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, XXXX XXXX XXXX did not provide the necessary documentation. Furthermore, XXXX, XXXX, and TransUnion have continued to report these unvalidated accounts, causing significant harm to my credit score and financial standing. I request that the Consumer Financial Protection Bureau ( CFPB ) investigate these violations and take appropriate action to ensure that my rights are protected, and the inaccuracies are corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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 account/item which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX
Product: Mortgage

I started a refi back in late XXXX. 

Everything was going well until we got to the last part of the deal when I learn XXXX XXXX had flagged my account ( due to the refi ) and they did not pay the property taxes on time ( violation of 12 C.F.R. 1024.35 ). I have incurred late fees as a result of their actions. 

Additionally, they have delayed on every attempt I made to resolve this matter in a timely fashion, which has now compromised the lower interest rates I have locked in with the new lender. 

I've tried everything imaginable to work this out in a reasonable amount of time but as of this moment all I can get from them is a very basic email saying they will pay the taxes BUT nothing on when they will have it done and very limited movement on them working this out. 

The money was in my escrow account and I have not been late with any payments. 

I'm a XXXX Veteran on a very tight budget so the lower interest rate would help my livelihood. 

I do not understand why or how this could happen as I'm now stuck waiting and hoping things will get righted. 

Anything you can do to assist is appreciated. Time is of the essence and I understand I risk losing the deal and some financial hardship however I would not want any other Veterans to have to go through what I've endured these past few weeks.
Product: Vehicle loan or lease

Early XXXX, I spoke to a representative and they offered a 2 month deferment.  I submitted the information onXX/XX/XXXX for the two month deferment.  Today I got an email from a XXXX XXXX XXXX  stating they have been trying to get a hold of me.  I received phone calls prior to signing the deferment.  AfterXX/XX/XXXX when I submitted the deferment, i received no phone calls... So, I assumed everything was processed and taken care of... Today I spoke to a manger by the name of XXXX and she explained the deferment was expired. The representatives at this company have bad manners and are very rude.
Product: Mortgage

We submitted ALL Requested Documents by SHELLPOINT, the Loan Servicer, for a LOAN MODIFICATION, on XX/XX/XXXX / 2021 Per XXXX XXXX ( XXXX ) instructions we E- Mailed all Documents to the SHELLPOINT Loss Mitigation Department XXXX on XX/XX/XXXX / 2021 A total of 27 files. 

On XX/XX/XXXX we received a letter from Shellpoint stating we did not take steps to resolve this issue therefore FORECLOSURE PROCEDINGS are being implemented. 

REF. LOAN # XXXX XXXX XXXX XXXX XXXX XXXX, NJXXXX SHELLPOINT MORTGAGE CO. 
XXXX : XXXX XXXX replaced by : XXXX XXXX, TEL # : XXXX XXXX XXXX and XXXX XXXX XXXX E-Mail : XXXX Best regards, XXXX XXXX XXXX ( XXXX, not available at the moment ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NJ XXXX " SHELPOINT DID NOT REVIEWED OUR DOCUMENTS " SEE 2 ATTACHED FILES FROM A TOTAL OF 27 FILES SUBMITTED.
Product: Credit card

I contacted navy federal credit union in order to get my interest rate reduced and be reimbursed interest fees charged due to me being in the mliitary. I left the XXXX and Joined the XXXX XXXX and Navy federal will not reduce the amount on my card even though they legally should under the SCRA. 

As stated on the CFPBs websites : Protection # 1 : Reducing the interest rate on any pre-service loans to a maximum of 6 percent If you took out an automobile, home, or student loan or incurred credit card debt prior to becoming a servicemember ( also known as a pre-service obligation ), or if you took out such a loan jointly with your spouse, then you are entitled to have your interest rate reduced to a maximum of 6 percent per year. To receive this benefit you must notify your lender in writing and include a copy of your orders to XXXX XXXX service or a letter from your commanding officer that shows the date you began XXXX XXXX service. 

The rate reduction for pre-service obligations applies during the period of XXXX XXXX service for most loans and, for mortgages, for an additional year after the end of XXXX XXXX service. When you make a proper request for an interest rate reduction under the SCRA, your lender must reduce your interest rate on pre-service obligations to 6 percent for the entire time you are serving on XXXX XXXX. Your lender cant add the amount of interest above 6 percent back into the loan later on after you leave XXXX XXXX. You can request an interest rate reduction from your lender at any time while you are serving on XXXX XXXX and up to 180 days after release from XXXX XXXX. 

A lender cant revoke your loan or credit account, change the terms of your credit, or refuse to grant you credit just because you exercised your SCRA rights. In addition, a lender cant furnish negative information to a credit reporting company just for invoking your SCRA rights. Remember, the SCRA requires your lender to reduce your interest rate in certain circumstances but you still have to pay back your debts. 

I have produced orders for the reduction, my XXXX showing that i joined the space force and all I am being told is in the system I went from XXXX to XXXX XXXX and there wasn't a 24 hour break. This isn't stated as a requirement by the federal government and other banks that I had accounts with HAVE lowered the rate in accordance with the Service Members Civil Relief act.
Product: Credit reporting, credit repair services, or other personal consumer reports

A thief stole my identity, created checks, and used my ssn without me knowing for years. 
You must delete everything XXXX XXXX  have more proof of the stolen and fruad activity This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.
Product: Checking or savings account

On the XXXX of XX/XX/2021 i called XXXX customer service to dispute a charge {$14.00} for XXXX XXXX membership the person on the line claimed to be from the company XXXX ID # XXXX told him i didn't have XXXX  and he told me to going into my account and said my account was hack said he will return the money ask me to go to app store. Which i did and some how he able to take over my cellphone and get into my bank account he did XXXX transaction in XXXX in the amount of XXXX XXXX XXXX dollar and XXXX in the amount of XXXX XXXX a total XXXX dollars i report it to the bank same day it was done by XXXX XXXX that i never used and the bank did not let me know about this action .The bank i use is capital one As soon as i realized i was begin hacked he hanged up i have been trying to get back my money and all the bank want to give me back is XXXX XXXX XXXX .The bank should have seen that i never have ever done this before and reached out to me and let me know about all the activity on my account so i am asking that you please help me to resolve this problem.to have my funds return to my account. 

Thanking you in advance XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Fraudulent charges were made to the following accounts. The statue allows for multiple reinvestigation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

To Whom It May Concern, I am writing to formally demand the immediate removal of an unauthorized hard inquiry from my credit report. Upon reviewing my credit file, I discovered that Bank of America placed a hard inquiry on my report on XX/XX/year>2023, without my authorization or any permissible purpose. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681b, which strictly limits when and how a company can access a consumers credit report.

I did not apply for any credit product with Bank of America on or around this date, and I have no record of authorizing such an inquiry. If you claim otherwise, I demand that you provide documented proof of my consent within 10 days of receiving this letter. Failure to do so will leave me no choice but to escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. Additionally, I will consider pursuing legal action for damages caused by this unauthorized inquiry. 

This hard inquiry has negatively impacted my credit score, and I expect Bank of America to act immediately. You have 10 days from the receipt of this letter to remove this inquiry and provide written confirmation of its deletion. If no action is taken within this time frame, I will be forced to pursue all available legal remedies. 

This letter serves as formal notice under the FCRA. I expect a prompt resolution. You may send your response in writing to the address listed above. 

XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Immediate Removal of Outdated Negative Information Under FCRA Guidelines Dear Sir or Madam, Upon a recent review of my credit report, I have identified an inaccuracy that is impacting my financial health and is in violation of the Fair Credit Reporting Act ( FCRA ), specifically regarding the duration of negative information on consumer reports as outlined in Sections 605 ( a ) and 623. This concerns a charge-off by XXXX XXXX XXXX for an account that was closed on XX/XX/2017. 

Account Information : Creditor : XXXX XXXX XXXX Account Number Ending In : Please Review Attached Documents Charge-Off Date/Date Closed : XX/XX/2017 The presence of this charge-off on my credit report beyond the seven-year limit mandated by FCRA 605 ( a ) has unjustly affected my credit standing. This outdated information inaccurately reflects my current financial health and legal compliance regarding credit reporting standards.

Action Required : 1. Investigation : In accordance with FCRA 623 ( b ), I request a comprehensive investigation into this matter to verify the outdated nature of the reported charge-off. 

2. Removal of Outdated Information : I expect the removal of this charge-off from my credit report promptly, aligning with the requirements of FCRA 605 ( a ), which limits the reporting of negative information to seven years from the date of initial delinquency.

3. Confirmation of Action : Please provide written confirmation of the investigation outcome and the removal of the charge-off, as per my rights under FCRA 611 ( a ). 

Please note that the recent review of my credit report that revealed this discrepancy was initiated by me and does not reflect any recent update provided by XXXX XXXX XXXX. 

Attached Documentation : XXXX. Documentation confirming the charge-off date by XXXX XXXX XXXX XXXX 

2. Copies of my credit reports indicating the presence of the outdated charge-off.

I trust that you will address this issue promptly and ensure compliance with FCRA standards. Failure to rectify this error within the statutory 30-day response period may necessitate further actions on my part, including seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) and legal advice to protect my rights under the FCRA. 

Thank you for your immediate attention to this matter. I look forward to your swift action to correct my credit report and uphold the integrity of credit reporting standards. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a disputes with Equifax on XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX regarding discrepancies and inaccuracies on my Equifax credit report. I am showing an unauthorized inquiry from XXXX XXXX from XXXX of XXXX that I did not request or approve of. I have previously registered this issue with the Consumer Financial Protection Bureau. Im also showing a Closed Account from XXXX that should not be on my credit either. After 20 days of not being able to verify ownership with this group, they simply update the information of the entry notifying my dispute of the account and the information.These items need to be removed from my credit report. It is potentially affecting my chances with employers. Im not confident in the Equifaxs process of reviewing the factuality of these credit report entries.