23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXXXXXX XXXX XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXXK on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

This company sent me copies of my medical treatment and thats a big Hippa violation and I want this to be removed from my credit and deleted in their system and leave me alone with all the threats they coming to my job and my house to see what I have that they can take.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the Department of Education in early   XXXX   XXXX   explaining that I wanted to settle my debt. I received the letter in on   XXXX   XXXX   XXXX   and called the next day,   XXXX   XXXX   XXXX  . My balance was {$1600.00}. My woman on the phone explained that if I settled for the amount of {$980.00} my debt would be considered paid in full and there would be no negative reporting on my credit reports.  XXXX  weeks later I noticed on the Experian website that the Department of Education had placed  XXXX  Failed To Pay remarks on my report dated   XXXX   XXXX   and my  credit score  dropped  XXXX  points. I called and asked for an explanation. They said I had paid late in  XXXX  so the reporting was correct. I explained that the late payment was made in  XXXX  so should be reported as late in  XXXX . I also explained that I paid the debt in   XXXX   XXXX   XXXX   and received no notification that the account would be " charged off '' and was told explicitly that there would be no negative reporting. I was under the impression that I was supposed to receive correspondence 30 days prior to the reporting, and I received the letter as stated on   XXXX   XXXX   XXXX   I have called repeatedly to get these remarks corrected and every time they said they would send me documentation to dispute the information and have receive nothing in 9 months. I have disputed the information with the credit bureaus but they keep telling me I need to dispute if with the Department Of Education.
Product: Credit reporting or other personal consumer reports

I'm disputing the accounts below. I contact the companies associated with these accounts and they said they will remove the accounts from their records. I also called XXXX and agreed to remove the accounts due to it's fraudulent activities and thru the FTC report that I submitted. But the companies and the Transunion credit bureau failed to delete my accounts as what they have said. Please DELETE the accounts below : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I made a purchase through Upgrade/UpliftXXXX XXXX for XXXX XXXX reservations. I cancelled reservations w/ the hotel XX/XX/XXXX for travel dates XX/XX/XXXX. The hotel had a XXXX hr cancellation rule. I had XXXX reservations w/ XXXX XXXX XXXX XXXX & XXXX that relates to the Upgrade/Uplift/XXXX XXXX  loan XXXX XXXX XXXX . The hotel employee XXXX said I was getting refunded and needed to wait " 14-20 business days '' .Then I called back after that time period and XXXX said they could not refund the credit card because it would not accept XXXX  & the hotel Manager, XXXX, wanted my private banking info.I called to resolve this on XX/XX/XXXX & XX/XX/XXXX w/ UPGRADE/UPLIFT multiple times with the merchant and Upgrade/Uplift. I cancelled according to my consumer obligations.Upgrade should not offer their service to merchants who cant fulfill their financial obligations & abide by their own rules and called my bank and the were willing to help me do a wire transfer with the hotel on XX/XX/XXXX because I felt pressure to do business outside of Upgrade and directly with the hotel to get refunded. I called XXXX on XX/XX/XXXX to give him my bank info, he said they " already sent it to the states and that it went to XXXX XXXX, who would then pay the Upgrade loan ''. This should have been the same bank the original payment method was associated w/ " XXXX XXXX XXXX as they are in partnership with Upgrade/Uplift. But it did not. There were 2 wire transfers to 2 separate banks NOT associated with XXXX, the wire transfer went to XXXX XXXX XXXX. I have NOT got my money back. UPGRADE confirms there is NO refund by the merchant. As the original method of purchase was with a XXXX credit card in my name, ending in # XXXX and # XXXX I am declaring fraud on the part of the Merchant that Upgrade has affiliated themselves with. I have consumer protections w/ the use of a credit card a XXXX  # XXXX and XXXX  # XXXX that was used to make the purchase of the reservations and am seeking a full refund based upon services not received/rendered. I have in good faith tried to resolve the issue with the merchant and the lender. I have consumer protection rights and have fulfilled my obligation as a consumer. I also tried to call XXXX XXXX in XXXX, UT but they say they only provide the funds and can not help. UPGRADE/UPLIFT says that if I do not pay the remaining {$900.00} in the load that my credit will be negatively affected. I am worried I will never get my money back, will have to pay for a service I never received, and will also have my credit negatively affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. I called your department after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there was CHARGE OFFS accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time on my personal profile but still youre not taking any actions. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$0.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$0.00}, XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$0.00}. 
If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting

I have disputed XXXX accounts with Equifax for identity theft, I have submitted the same paperwork to each of these XXXX creditors as well. I have submitted an identity theft affidavit as well. Equifax has not removed these XXXX accounts for XXXX, XXXX, and XXXX XXXX XXXX XXXX yet. They have investigated and just say that it was verified. This was identity theft so ever who did it gave my information, no one has ever produced any signatures that was needed to have the account opened either. This has been hurting my credit. My next step will be to pursue claims against Equifax and the XXXX creditors in court. I am trying to avoid that as I am XXXX.
Product: Checking or savings account

XXXX XXXX wrote a Wells Fargo North Carolina check payable to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX for the amount of {$980.00}. This is for an outstanding invoice XXXX for {$980.00} However the Wells Fargo check was misplaced or stolen and cashed at a XXXX XXXX XXXX on XX/XX/2018. Noone knows the signature on the back of the check. Don't understand how this is possible because the check is made out to XXXX XXXX XXXX. 

XXXX XXXX XXXX  went to the XXXX Police Department to file a report and spoke to : XXXX XXXX XXXX Administrative Police Officer  XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX The main contact at XXXX XXXXXXXX has been the Accountant named XXXX at XXXX The main contact at XXXX XXXX XXXX has been the Accountant XXXX at XXXX. 

XXXX XXXX contacted Wells Fargo who stated that XXXX XXXX XXXX needs to file a complaint. And Wells Fargo told XXXX XXXX XXXX that it is XXXX   XXXX that needs to complain. So Wells Fargo has done nothing to help or rectify the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was disputed with Equifax on XX/XX/2022, no response for more than 30days. By FCRA laws they need to deleted from credit report. 
They failed to follow the law Account : XXXX XXXX XXXX : {$4400.00}
Product: Vehicle loan or lease

After my car was repossessed and i never received a notice of sale letter to explain my deficiency balance. This was never sent to me. This is a violation of UCC Article 9. I am requesting that this be removed immediately from my XXXX credit report.
Product: Credit reporting or other personal consumer reports

I pulled up my credit report and noticed a lot of inquiries. I have 3 inquiries I am aware of I did not authorize any of those companies to run my credit. I am very concerned about what I see here especially since i did not give anyone permission to pull only one I initiated is XXXX XXXXXXXX did not properly investigate my request to review the unauthorize credit inquiries which is damaging my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX have been reporting these fraudulent accounts under my name. 

XXXX/XXXX is fraudulent on my credit Account # XXXX XXXX CARD is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX I didnt benefit, apply for, and authorize these accounts.
Product: Payday loan, title loan, personal loan, or advance loan

I have contacted the company multiple times and tried work out a payment plan, unfortunately their payment plan that they are offering is {$160.00} a every 2 weeks for 9 months straight which is more than i can afford. I am not able to make any payments and is greatly affecting me financially. I have called and emailed but have not come to a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS/INQUIRIES LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX XXXX and XXXX CRA. On XX/XX/2020, I mailed XXXX XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Student loan

Because of covid 19 and the Cares Act, federal student loan payments were suspended until XX/XX/XXXX. Nelnet is not suspending my student loan payments because they refuse to recognize my loan as a federal student loan. My federal student loan originated from the XXXX XXXX XXXX XXXX XXXX in XXXX. 
Nelnet bought my loan from the XXXX XXXX XXXX XXXX in XXXX. I have been making payments to Nelnet since they bought my loan. I am currently still making the monthly payments even though my student loan qualifies for no payment under the Cares Act. 
Nelnet needs to stop inaccurately labeling my federal student loan as private. I never had any private student loans when I attended XXXX. I had XXXX student loans which were and still are federal student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed none stop with this. Company and seems to me the have done nothing but let my rights be violated and I am not standing for it anymore I have filed a police report I have sent in my ftc report and also filed a new one I have placed a fraud a lot onto my account so no one can again harm my credit also the accounts they are listing on my credit that ARE NOT MINE are still violation of rights due to inconsistency of information matching and none of it does across all three credit files so these account needs to be deleted now and I am not going let these companys violate my rights
Product: Mortgage

Rocket Mortgage send XXXX pre-approved email and I spoke with someone from Rocket Mortgage said I was pre-approved. When starting looking for realtor and house to purchase. Rocket Mortgage said I wasnt approved. I felt like I was being discriminated because of my race.
Product: Credit reporting, credit repair services, or other personal consumer reports

PORTFOLIO RECOVERY IS CHANGING THE STATUS OF THIS ACCOUNT AS CLOSED ONE MONTH THEN OPENED THE FOLLOWING MONTH. SINCE XX/XX/2019 THE STATUS OF THIS ACCOUNT CHANGES EVERY OTHER MONTH OPENED/ CLOSED THEY PURPOSELY LIE TO THE 3 CREDIT REPORTING BEAREAUS. THIS IS DONE INTENTATIONALY ELECTRONICALLY. AFTER I MAKE DISPUTES TO THE 3 CREDIT BEAREAUS THEY MARK THEM AS CLOSED. THE FOLLOWING MONTH THEY ARE CHANGED BACK TO OPEN.THIS MUST END. THIS ACTIVITY IS ILLEGAL BY FEDERAL AND MARYLAND STATE LAW. AFTER 3 YEARS AFTER FIRST DELINQUENCY THE ACCOUNT IS OFFICIAL CLOSED AND YOU CAN NOT SUE OR SEEK A LEGAL REMEDY. I SENT THEM CEASE AND DESIST NOT TO CONTACT ME VIA US CERTIFIED MAIL AND RECEIVED GREEN RETURN CARD.
Product: Checking or savings account

Opened 3 joint checking & 1 joint savings account with my wife with Ally and for some right after I sent money over to them to start using the account, they froze my account along with all of my funds right when I tried to send a bit back to the originating account.

I have called several times to try and get it resolved but they aren't able to generate questions to verify my identity and refuse to do anything about it. The representatives are extremely rude dismiss my questions every time I call in. My funds are frozen and I have no access to them to pay bills, buy food, water or gas.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was on auto pay. XXXX says they stopped taking payments from my back account after having a letter they sent to me returned, although there was no change to my address. I made several requests for documentation of the returned letter in question to determine if it ever existed and, if so, to see why it was returned. They were unable to produce any documentation or explanation. I was unaware that the payments werent being debited as the emails they sent went to a junk folder. They admitted in my conversations with them that they never called my cell phone, which was accurately labeled as my current primary phone number, because their guidelines dont allow them to make automated calls to cell phones without some sort of prior authorization. Furthermore, they declined to have a human call me instead. Rather, they made three ( 3 ) robocalls to an old work number which was labeled alternate and no longer valid. 

So, in fact, XXXX did not adequately attempt to inform me by mail, phone and email that they were stopping the automatic payments, and therefore I was unawarecausing the account to inadvertently go into default. 

I wish to appeal and escalate this decision, so that the facts can be obtained and my credit report cleared of the negative reporting ( my FICO score decreased by 58 pts ) that resulted from XXXX negligence in this case. Please advise.
Product: Checking or savings account

On or about XX/XX/2021, I met with a banker to make changes to my checking account. Specifically to add and remove a signer. No changes to the account type were discussed nor authorized. 
Approximately 60 days later ; XX/XX/2021 I received new disclosures indicating my account type was changed to one with additional fees. Previously, my account had no fees associated with it. 
I have attempted to contact the bank for resolution, unfortunately, I was transferred multiple times as the phone representatives were unable to assist. 

My complaint is that the bank ; Wells Fargo did knowingly change my account without permission to a type that incurs more fees/revenue from one that does not.
Product: Credit reporting, credit repair services, or other personal consumer reports

A Georgia State Tax Lien appears on my credit report however, the court document for the tax lien, provided by the XXXX XXXX XXXX XXXX for XXXX XXXX, GA, contains both inaccurate and incomplete information. Per the National Consumer Assistance Plan ( XXXX ), all state tax liens must include the following information in order to be reported by the credit bureaus : ( 1 ) Full Name ; ( 2 ) Address ; and ( 3 ) Full Social Security Number and / or Date of Birth. 

The Georgia XXXX court document associated with the lien reported by the credit bureau ( 1 ) contains an address at which I have never lived ; ( 2 ) contains only the last XXXX of a social security number, as opposed to the full social security number ; and ( 3 ) no date of birth is noted. A copy of the aforementioned document has been included in this CFPB filing, for review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reported to XXXX over a year ago for a fraudulent activity that took place on a bank of america account that i never had. Which forcefully caused my XXXX XXXX bank account to close when i made an attempt to open an additional account to manage my money better. I have made several attempts on contacting XXXX but the account i requested to be resolved have been bypassed. I am seeking immediate results.
Product: Payday loan, title loan, personal loan, or advance loan

A charge off is considered a certificate of indebtedness which means it is income and must be removed. Account XXXX I recently came across information related to charged-off amounts and their implications under the Internal Revenue Service XXXX IRS ) regulations. According to the IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and, therefore, eligible for removal from the records. In light of this information, I kindly request XXXX 's assistance in reviewing the status of the charged-off amount associated with my account. It is also a breach of The Privacy Act of 1974. Violation with 15 USC 6802-6805 as well.
Product: Credit reporting or other personal consumer reports

these items in my credit file are from unauthorized use of my social security number card and number. I did not authorize these accounts to be taken out in my name nor do they they relate to anything i do or applied for. I'm completely unaware of any of this. You assumed a vital role and your job is to report every account and inquiry with maximum accuracy. These accounts are from identity theft and are not accurate. They do not belong on my credit file/report.
Product: Money transfer, virtual currency, or money service

DEAR CONSUMER PROTECTION BUREAU SO IM SUBMITTED WRITTEN ONLINE EMAIL REQUEST ABOUT XXXX HAVING DELAY PROBLEM ISSUES WITH BANK OF AMERICAN NOT DEPOSITED MOBILE CHECK RECENT DEPOSIT IN THE PURCHASE AMOUNT XXXX DOLLARS SO I RECENT DEPOSIT MOBILE CHECK DEPOSIT INTO MY ONLINE BANK OF AMERICAN ACCOUNT THEY RECENT CREDIT CHECK CLEAR AMOUNT INTI MY BANK OF AMERICAN CHECKING ACCOUNT WITHOUT OVER DRAFT PROTECTION SO BANK OF AMERICAN CREDIT THE XXXX CHECK ENCLOSE FUNDS INTO MY CHECKING ACCOUNT THEN THEY WITHDRAW RETURN THE FUNDS BACK FROM MY CHECKING ACCOUNT I HAVE ON FILE RECORD STATUS WITH THEM BANK OF AMERICAN CUSTOMER SERVICES CALL CENTER NUMBER XXXX SO THE BANK OF AMERICAN CONSUMER CUSTOMER HAS SENT BANK OF AMERICAN CORPORATE OFFICE SOMETHING IN WRITING ABOUT THE BANK CUSTOMER AGREEMENT TO CLOSE HIS CHECKING ACCOUNT WITH BANK OF AMERICAN BECAUSE BANK OF AMERICAN HAS VIOLATED MY RIGHT MORE THAT ONE TIME WHEN ITS COME TO ACCOUNTING FINANCIAL PERSONAL NEEDS SO AFTER BANK OF AMERICAN REFUSE TO CREDIT FUNDS BACK INTO MY PERSONAL CHECKING ACCOUNT I CONTACTED THE CLAIMS DEPT DIRECTLY THEY ASLO REFUSE TO HELP ME AS WELL I DID CONTACT FDIC ABOUT CHECKING ACCOUNT INSURANCE POLICY ON WHEN U BORROW LEND AGAIN YOUR CHECKING ACCOUNT POLICY IN STANDING SO I RECENT DEPOSIT 3 PERSONAL CHECKS INTO MY BANK OF AMERICAN CHECKING ACCOUNT BANK OF AMERICAN ARE REFUSING TO RELEASE MY FUNDS INTO MY PERSONAL CHECKING ACCOUNT IM DONE DOING BUSINESS WITH BANK OF AMERICAN THIS TIME