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

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items removed from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me remove these illegal accounts from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I started receiving notices that my credit was being checked by XXXX XXXX car lot. On that day I was at work and did not authorize anyone to run my credit nor am I in the market to purchase a new vehicle. I attempted to contact the manager at the XXXX XXXX car lot and he hung up on the phone on me and after repeated calls, I was left on hold for no one to return to the phone. Ive attempted to reach out to the banks and I was told to submit a letter to the credit companies which Ive done. After calls and letters each company keeps referring me back to the other and ultimately Im getting no where. I even ask them to update my employer because on the same day XX/XX/XXXX, XXXX XXXX was added as my employer and Ive never worked for XXXX. All other inquiries are mine eco the one from XX/XX/XXXX. Ive added the fraud alert to my report but Im not having any luck getting the unauthorized inquiries removed
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I submitted via certified mail a notarized FTC report, police reports and a personal statement that highlighted a fraudulant/inaccurate account from XXXX XXXX  on my credit report with Equifax. The package also highlighted fraudulent inquiries that should also be removed. The account and the inquiries in question is still reporting under my name and social via my personal credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a concerning issue I recently discovered on my credit report. Upon reviewing my credit history, I noticed several inquiries that I have no knowledge of and have never benefited from, nor have I applied for any of the associated credit accounts. I would like to request your assistance in investigating and resolving this matter promptly. 

The inquiries in question are as follows : XXXX. 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 XXXXXX/XX/XXXX I can assure you that I have not engaged in any of these activities, and these inquiries are unauthorized. This situation is highly distressing to me, as it may impact my creditworthiness and financial standing. I take my credit report seriously and have always maintained a responsible approach to my financial commitments. 

I kindly request that you conduct a thorough investigation into these inquiries and provide me with a detailed report of your findings. Additionally, I would appreciate it if you could remove these unauthorized inquiries from my credit report as soon as possible. It is of utmost importance that my credit information remains accurate and reflects only the activities that I have undertaken. 

Please keep me informed of the progress of your investigation and any actions taken to rectify this issue. You may contact me via the provided email address or phone number listed above. 

I understand the significance of maintaining the integrity of credit reports, and I trust that your esteemed organization will handle this matter with the urgency and attention it deserves. I eagerly await your response and resolution to this matter. 

Thank you for your time and understanding. 

Sincerely, XXXX XXXX
Product: Debt collection

DOCTORS BUSINESS BUREAU ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you DOCTORS BUSINESS BUREAU or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DOCTORS BUSINESS BUREAU or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I updated my online account with my current banking information and set up auto pay to deduct my minimum payment on the due date. The company removed my auto pay, failed to deduct my minimum payment and reported the account XXXX  days late on my credit reports. The company ( Kohls ) never contacted me to notify me of the removal of my auto pay or to inform me that the account payment was never received. On XX/XX/XXXX, I spoke with a rep named XXXX and she confirmed that the banking account number was accurate and could not provide an explanation of why my auto pay was removed and I was never contacted. I am in the process of trying to secure a rental unit and the recent XXXX  day mark on my credit report could potentially cause me to be homeless. I would like Kohls to reverse the XXXX  day mark from all major credit bureaus and compensate me for the undue hardship caused by their unfair practices.
Product: Credit card

I have had Bank of America credit cards for over 10 years. This past year there was an issue with the website where I could not update the account saved to make payments with, and the linked account had been closed. I therefore had to make payments by phone until I was able to take the time to call and work with a representative. When I did the agent walked me through how to enter and save a new card ( which was NOT obvious ) and then how to add autopay, which I had used with them previously. She could not do it on her end but had to walk me through by phone. Two months later I received a letter that my account was past due, which came as a surprise since I thought that I had autopay set up. I called to rectify the situation but it was already reported to a credit bureau. One of the customer service managers that I spoke to, XXXX XXXX, attempted to manipulate the conversation, accusing me to have stated that I was aware that my account was past due, which was never said. He then insisted that nothing could be done and that I am at fault. 

It is predatory for a company to have the method of payment on a credit card not easily able to be updated online, and to then to have agents not to be able to do any of the backend themselves, where they instead need to walk you through the procedure by phone. I am tech savvy and able to advocate for myself, and I am still at a great loss, so I am concerned that these circumstances would be even more predatory for others less able to navigate websites or speak up for themselves.
Product: Credit reporting or other personal consumer reports

I have XXXX inquiries I did not consent XXXX, Capital One auto finance, XXXX XXXX XXXX, XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

account takeover fraud, ID theft etc.recent recurrence, corrections needed in order to change personal info for safety-FTC, iC3 & police info below : XXXX : XXXX? XXXXXXXX XXXX XXXX XXXXXXXX? XXXX name should be listed as XXXX XXXX ONLY-no variations XXXX XXXX XXXXXXXX cards ( 2 ) -unauthorized charges already resolved w/ local police & FTC XXXXXXXX XXXX Card-account takeover fraud XXXX balance, never late , not a charge off=see FTC/police reports & immediately correct XXXXXXXX XXXX-account takeover fraud XXXX balance, never late, not a charge off=see FTC/police reports & immediately correct XXXX  XXXX-account takeover fraud XXXX balance, never late, not a charge off=see FTC/police reports & immediately correct
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX , IL XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$6400.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX.
Product: Student loan

I attended XXXX XXXX from XXXX. I paid my loan balance off through Peaks private student loans shortly after the school closed in XXXX. After hearing the settlement that was reached by the CFPB and XXXX/Peaks it is my understanding that the remaining balances owed to these private lenders is now discharged. I have reached out to Peaks numerous times to have the amount roughly ($10,000) reimbursed to me but they will disagree. It is only fair that students that paid their debt off in full receive the same treatment that other students received by getting their loans discharged.
Product: Credit reporting

There were many inquiries on my account that were deleted and reinserted to my credit report without My knowledge. I 'm asking that these inquires be removed. To my knowledge that against the FCRA XXXX credit cards Inquiry XXXX/XXXX/XXXX XXXX Inquiry XXXX/XXXX/XXXX XXXX inquiry XXXX/XXXX/XXXX XXXX inquiry XXXX/XXXX/XXXX XXXX inquiry XXXX/XXXX/XXXX XXXX XXXX Inquiry XXXX/XXXX/XXXX XXXX Inquiry XXXX/XXXX/XXXX
Product: Money transfer, virtual currency, or money service

I contacted USAA. At first I thought it was fraud but I realized it was something that my husband authorized. However, it is absurd that there is zero protection against business transactions through XXXX. Why distinguish between business and personal if its all the same?
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

I initiated the transfer of $XXXX MTCN XXXX from USA to XXXX on XX/XX/2019.This transfer never went through. Western Union never contacted me to inform me that the transfer was rejected by the mobile wallet carrier until I contacted Western Union 3 weeks later. All this time I presumed that the transfer had gone through.After contacting them several times they continued to tell me that I would get my refund as soon as possible. I have been chatting online with their representative who acknowledge that my transfer was rejected by the mobile wallet carrier and the chat team directs me to call this number XXXX  or XXXX and whenever I call my call is always get my calls dropped. The last time I had the chat team call me instead of me calling them was on XX/XX/2019 where one of their representative named XXXX informed me that I would get my refund within 24 to 48 hours. Still nothing happened to date. I just  finished chatting online with one of their XXXX XXXX XXXX who told me the same story. See attached chat.
Product: Credit reporting, credit repair services, or other personal consumer reports

almost all of these inquiries are unauthorized. some are duplicates, some have been ran at random. dating all the way back from XX/XX/XXXX-XX/XX/XXXX i have attempted to send letters to the companies as well as call the different credit agencies ; XXXX, XXXX, and Transunion. I haven't gotten any results from either agency. these companies took me for granted and ran my social thru multiple banks. this has truly damaged my credit and it's not fair, because i have worked very hard to get my credit score at an exceptional level only to have it damaged. my attachments show all the dates and companies, along with the reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I submitted certified letters to XXXX XXXX, Experian and XXXX regarding XXXX XXXX XXXXXXXX for {$2300.00}, XXXX XXXX XXXXXXXX for {$3000.00} this account is older than 7 years old from the first day of default, I've even sent them paperwork from XXXX the company that is handling the loans, the letter verified that my first date of delinquency was XX/XX/XXXX and they still refused to removed they accounts from credit bureaus. According XXXX 's letter to me that I submitted to each bureau " the federal law requires defaulted student loans be reported to the national consumer reporting agencies for seven years from the date of delinquency ''. Based on that information the account should be removed, yet they continue to send me verified/updated letters.
Product: Checking or savings account

I spoke with Bank of America at XXXX pm XXXX, discussing a XXXX payment that I was supposed to receive in the amount of {$570.00} to apply to a negative balance. This amount would have covered my regular payment to my mortgage company in the amount of {$1400.00}. 
After an extensive and exhaustive conversation with a customer service rep, he determined that there was nothing he could do about the XXXX payment that I did not receive. Though this payment was cleared from my roommate 's bank and had no hold. I explained to the representative and the manager " XXXX '' that I had never had any issues sending or receiving money via XXXX before. I also explained that the XXXX payment was necessary in preventing the return of the mortgage payment. They stated that there was " no promises that could be made from the bank in covering the transaction '' despite the fact that the issue was a bank error. 

I asked kindly from both the CSR and the Supervisor XXXX if they could do anything to assist me with making sure that the payment wasn't rejected while we were waiting for the XXXX payment to post to my account. Instead, they provided me with absolutely no assistance in resolving this time-sensitive and critical issue. 

If there was any time in me considering never recommending this bank, this would be the time. After years of banking with Bank of America, and consistent transactions with them, you would have thought they'd make a greater effort to help a loyal client, and did not. 

I request that I'm contacted by a senior manager to help resolve this issue as I feel that it is negligence by Bank of America to assist a client with an issue outside of their control.
Product: Mortgage

I was cold called by Amerisave Mortgage on Saturday XX/XX/2024, and was told that I had my credit score was good for me to apply for a Heloan. I told the loan officer that I more than likely wouldn't get approved because of DTI ratio. The loan officer convinced me to let him try. So I relented and he ran a hard inquiry on my credit after I paid a {$24.00} fee. He came back and said good news! You've been approved, but first I need to get an appraisal on your home and I will need {$500.00} for the appraisal. I was reluctant, but was assured that this was a formality, and I was already approved for the loan. No movement or phone calls from Amerisave after that until I called, and texted, and left messages about the hold up with the loan, and twice I was told it was an IT issue on the appraisal portion. I asked how is that when I thought a real appraiser was coming to my house to do an appraisal, but the loan officer said no the {$500.00} fee was for something called and lock and shop. That's clearly not what he told me from the outset. Now almost XXXX weeks later, and I have been emailing the processor back and forth about the hold up after getting all the income documentation in that they asked for ; now they say that the DTI was too high and the loan was sent back to the loan officer to re do. I am completely upset, crushed, and infuriated! I don't have {$500.00} to just give to people like this! I feel completely defeated and scammed!
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding Zelle handling disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claim adequately. They inform me that receiving lost funds was impossible and that tracking these transactions was infeasible. The CFPBS finding indicates that Zelle has not only neglected to protect consumers but has also allow repeated offenders to exploit the system leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety
Product: Credit reporting, credit repair services, or other personal consumer reports

My car is financed through XXXX  XXXX, my payments have been paid on time, never outside the " grace period '', but Ally continues to call me almost daily, at home, and at work, and sending me collection letters ( by people who don't speak English ), stating my payments are " late '' Per my credit reports, ALL my payments are current, however my credit score has dropped 100 points in the past month! At one time my XXXX report reflected a " late '' payment by ALLY!! 
I am sick and tired of being harassed by these people! 
I have written to them, the XXXX XXXX XXXX, The Attorney General and to yourself in the hope that someone can help me with this awful company! 
I pay my bills on time and take pride in my credit score, there must be some way to stop this company 's harassment.!
Product: Student loan

My student load was recently transferred from Great Lakes to NelNet. 
The entire transition process has been a nightmare. But it has now just gotten absolutely worse. 
I have submitted several requests for assistance through their online form ( while logged into my account ). I have not received any responses ... until today. 
Today ( XX/XX/23 ) I received an email from someone named XXXX ( I am leaving out her last name to protect her confidentiallit ) - who, is another CU/STOMER of NelNet. / XXXX XX/XX/23 - Nelnet responded to one of MY requests, but sent the response to XXXX!!! The email string included ALL of my personal information, INCLUDING my Date of Birth and SOCIAL SECURITY NUMBER!! 
This is a clear violation of the Federal Debt Collection Practices Act ( FDCPA ), Florida Consumer Collection Practices Act ( FCCPA ), and countless other state and federal laws and regulations. 
I am completely at a loss here! I don't even know what to do now! I submitted XXXX different requests for assistance through their online form..this is the ONLY response to any of them. So did the other XXXX ALSO go to some other person? Do XXXX other people now also have my DOB AND SS!! I now have to LOCK all of my credit reports and monitor for Identity Theft! This was not some XXXX XXXX XXXX issue... this was clearly done by the company employees who have absolutely NO idea what they are doing!
Product: Checking or savings account

I set up recurring payments for my final mortgage payments. I set it up for 3 payments. XXXX made 6 payments, the last of which was never returned/rejected by the mortgage company. 

When I contacted customer service, they literally said " Our Technical Team is actually aware of this glitch and they're actively working on resolving it, These payments were actually sent via the electronic method. This means I don't have a way to action them from my end. '' I had to file a complaint with the CFPB to even get a response from the mortgage company, but so far nothing has been resolved. But the fact that my bank can give away my money in error and just not do anything else about it is horrible. If I gave away their money, I would be in jail. 

They made 3 payments in error, I have received 2 back, and they refuse to help with the 3rd one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was NOT late. 
XXXX XXXX XXXX Account Number XXXX Dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number XXXX Dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I was NOT late.