23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received an email about a job I had applied for as a personal assistant to an art seller under the name XXXX XXXX. I was interviewed by phone, and asked to disperse funds upon recieving checks via XXXX delivery. I made deposits of 2 checks, one on XX/XX/XXXX and another on XX/XX/XXXX. The first deposit amount I was told to keep XXXX as my weekly wages, and send the remainder in the form of 2 online transfers using XXXX, one for XXXX, and another for XXXX, totaling XXXX. The amount in its entirety has been recalled from Bank of America by the sender, leaving me to answer for the negative funds. 

Now, the second check, which has already been established by BOA as likely being a scam check, will not be cancelled because its, out of their reach. The bank still has a week before its supposed to clear the check, but refuses to cancel it. Its as if i am staring at an oncoming train from the tracks, and I am not allowed to move. Ive made a huge mistake in accepting this money, and sending it to whomever is recieving it. Now that I realize, and greatly regret, my mistake, BOA will not allow me to miss this impending financial wreck.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a 3rd dispute for the credit reporting agency Equifax to fix the inaccurate information on my report. I sent all account information, including description of what was incorrect yet they rfuse to remove the inaccurate information and ask again for me to provide the information, see attached
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit.Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and Experian credit reporting agencys, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts, collections and loans.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XXXX XXXX XXXX DATE- XX/XX/XXXX ACCOUNT- XXXX XXXX XXXX -DATE- XX/XX/XXXX4 ACCOUNT - AXXXX  DATE- XX/XX/XXXX ACCOUNT- XXXX XXXX - XXXX XXXX XXXX, XXXX, ACCOUNT- XXXX XXXX XXXX, DATE- XX/XX/XXXX and all inquiries attached, I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX 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 as proof from the US 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 complaint is regarding the XXXX XXXX account number XXXX, Original Creditor : Nordstrom Card Services, Current Balance {$10000.00}. 

Today, XX/XX/2022, at XXXX XXXX XXXX I received a call with a caller ID XXXX XXXX XXXX 

Since I am a XXXX XXXX, I thought it was from my school and answered. 

When I answered, the representative said she would like to speak with me. 
I thought something was very odd, and I asked, where is this call from? 
Then, the representative said, It is a debt collector, calling from XXXX XXXX. 
I was stunned. 

Also, when I asked why your caller ID showed that you appeared as XXXX XXXX XXXX the lady told me, Because you are a XXXX XXXX we wanted to work with you and help you. 
I was speechless. 

When I previously contacted via a chat through XXXX XXXX website regarding any settlement options available, I disclosed that I am a XXXX XXXX to the representative I had a conversation with, XXXX XXXX, who was very pleasant and kind to discuss available options for me. 

However, todays call and the conversation I had today, not only violated Fair Debt Collection Practices Act 807. False or misleading representations but also it is not acceptable. 

Lastly, I told the previous representative, XXXX XXXX, on XX/XX/2022, that I could pay the settlement payment all at once on XX/XX/XXXX or later. Then I was told that the system allows scheduling a payment only 30 days in advance. So, it was ended that I would call at the end of XXXX to schedule payment for the settlement offer available for me. However, again, I got a call from XXXX XXXX today even though I already talked and discussed it with the previous agentwhich violated Fair Debt Collection Practices Act 806. Harassment or abuse. 

I have attached the screenshots showing caller ID as XXXX XXXX XXXX and the chat I had with XXXX XXXX on XX/XX/XXXX, showing that we discussed the settlement, and I am the one supposed to call her to schedule the payment at the end of XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion for inaccurately reporting items on my credit report that were previously deleted due to being fraudulent and resulting from identity theft. Despite receiving confirmation from TransUnion that these items were removed, they continue to reappear on my credit report, causing significant damage to my financial standing and personal well-being. 
The specific items in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX / XXXX XXXX- XXXX XXXX  XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have made multiple attempts to resolve this issue with TransUnion, including providing the necessary documentation, such as police reports and FTC Identity Theft Reports . However, despite these efforts, the fraudulent items continue to reappear on my credit report. 
Additionally, I have been charged more than three times by TransUnion for viewing my credit score. Each time, they have provided excuses for not delivering my score, yet they have still charged my card without issuing any refunds. This situation has caused undue stress and has negatively impacted my ability to obtain credit. 
This situation has caused undue stress and has negatively impacted my ability to obtain credit. I believe that TransUnion 's failure to permanently remove these items violates the Fair Credit Reporting Act ( FCRA ) - Section 605B ( 15 U.S.C. 1681c-2 ), which requires consumer reporting agencies to block the reporting of any information resulting from identity theft within four ( 4 ) business days of receiving the necessary documentation. 
I request that the CFPB investigate this matter and take appropriate action to ensure that TransUnion complies with the FCRA and permanently removes the fraudulent items from my credit report. Additionally, I would appreciate any assistance the CFPB can provide in securing written confirmation from TransUnion that the items will not reappear. 
Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 
All the documentation I will attach to this complaint was also given to TransUnion when completing the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

File number : XXXX XXXX XXXX CREDIT COLLECTION SERVICES Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act 12 CFR Part 1006.34 stating your claim is disputed and validation is hereby requested. Otherwise you are required by law to delete this negative, false and erroneous item from my credit file. You are hereby on notice to abide by the law.
Product: Checking or savings account

I have a bank locker at the Bank of America location on XXXX XXXX XXXX, XXXX, CA XXXX. 
I need to access the locker to get the pink slip to sell my car. 
But they have closed the branch and when I called the central phone number for Bank of America ( it took me 500 options, and 20 minutes to reach a human being ), they were not able to tell me when the branch would open and how to get access to my locker. 

Banks like meat plants should be essential businesses and have a way for customers to access their bank lockers. 

Please help. 

Thanks. 
Regards, XXXX XXXX ( XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168. 

Tracking Numbers- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account Name -XXXX XXXX Account Number - XXXX Account Name - XXXXXXXX XXXX  Account Number XXXX XXXX  Account Name - XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

XXXX Account Name - XXXXXXXX XXXX  Account Number XXXX Account Name - XXXX XXXX Account Number XXXX, has violated my rights. 

XXXX Account Name - XXXX XXXX Account Number - XXXX Account Name - XXXX XXXX XXXX Account Number - XXXX, has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish any account without my written consent.

15 USC 1681c. ( a ) ( 5 ) Section States : no, consumer reporting agency can make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) 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: Student loan

This is part two. Part one was Complaint ID XXXX. My loan is on the XXXX plan. Part one was about the servicer trying to say I made less payments than I did. 

Now, even though they said I made XXXX out of XXXX payments, they are telling me I need to send income tax info from XXXX. I mailed a set on XX/XX/XXXX. Then they said my IDR request was denied because they didn't get my tax forms. So then I emailed them to MOHELA on XX/XX/XXXX. 

Now they sent me a letter dated XX/XX/XXXX saying " We apologize but we are unable to grant your request for an income driven repayment plan. '' Then it said " A forbearance may have been granted for up to 60 days. '' I heard that this is called FORBEARANCE STEERING and it is illegal. Can I sue MOHELA for doing this?
Product: Mortgage

On XX/XX/2022 I was notified by XXXX XXXX that the servicing of my mortgage was being transferred to Nationstar Mortgage ( aka Mr. Cooper ). 

On XX/XX/XXXX, Nationstar contacted my insurance company and had themselves changed to the lender on my policy with an effective date of XX/XX/XXXX. 

I have attempted to contact the new servicer several times through their website and phone system and am unable to make successful contact because they have no record of my loan or social security number. 

I am troubled that this loan is in limbo somewhere and that this a ploy to throw me into default. I made my XX/XX/XXXX loan payment to XXXX XXXX despite what their ( XXXX ) website said because there is absolutely no way to make contact with Mr. Cooper if they do not consider you to be a customer. I have even sent emails to their address for noncustomers only to have those go unanswered as well. 

I pride myself in paying my mortgages in a timely manner and do not appreciate the incompetency of both of these companies. Thank goodness I was not in the middle of selling the property and needed a payoff quote.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... US DEPT ED XXXX ... MIDLAND FUND ( Original Creditor : 01 XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit card or prepaid card

XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX I asked discover bank to return the money to my bank account they wont do it I did not submit these payments I also called XX/XX/XXXX to get them to file a dispute and they are not helping at all. Discover told me to tell my bank to file a charge back but XX/XX/XXXX wont process a charge back dispute I've also called parent company ofXX/XX/XXXX XX/XX/XXXX and they aren't helping either. I need my money back and they wont help me please help me.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many items which were opened without permission were still in my credit report. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these items which are found to be opened due to false credit reporting. The dispute items unknown to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these items. If you feel there is a possibility these items 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 items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are 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. Please remove the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, Partial Acct # XXXX, XXXX XXXX, Partial Acct # XXXX ..., Partial Acct # XXXX ..., XXXX XXXX, Partial Acct # XXXX ..., has violated my rights.

15 U.S.C. 1681 section 602 A. states I have the right to privacy.

15 U.S.C. 1681 section 604 A.. section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

There are two accounts on my report that I do not recognize
Product: Credit card or prepaid card

On XX/XX/2019 I was booking a hotel on Wyndham hotels website when I say an offer a {$50.00} statement credit if I applied for and used a hotel chain credit card issued through Barcalys. 

I applied for and was approved for this card but was not issued any kind of temporary Visa number nor was I presented with any way of using my card for my hotel purchase. 

I attempted to contact customer service and after a few transfers the line just disconnected. After disconnecting, I called back and was presented with a recording or something saying that account information was currently unavailable and to call back later. I called back and canceled this brand new card. 
It feels like I was misslead and promised things that I wasn't able to take advantage of.
Product: Credit card or prepaid card

A purchase was made in my name through Genesis FS Card Services with a transaction on XX/XX/15 from XXXX-XXXX  office purchase of {$1300.00}. I have contacted Genesis FS Card Services and they filed a report and also told to file a report myself. Whoever open this account has my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureau to validate these accounts ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate the following reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and update : XXXX XXXX XXXX XXXX XXXX AL XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$22000.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : $ XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}
Product: Debt collection

Someone named " XXXX XXXX '' with " ID # XXXX '' called me claiming to be from XXXX and trying to collect an unpaid IRS debt. She called from ( XXXX ) XXXX. She stated she was on a recorded line, but did not ask my permission to continue. She said the IRS debt was " substantial, '' then said it was " quite large, '' and that " interest is accruing daily. '' She said I should have received a letter from the IRS, which I did not. When I asked her what address the letter had been sent to, since I've been at the same address for the past 12 years, and the IRS has had no problems sending me letters at my address, she would not give me any information. She told me to call ( XXXX ) XXXX, which is not a valid number. She was rude, condescending and repeatedly stated the debt was " large. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax stated they removed this account and it is still listed XXXX XXXX XXXX # XXXX This item is past the statute and this company can not validate the XXXX. I have been fighting with them as I never had an account with XXXX XXXX ever
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to reinsert and report debts that were involved in identity theft. These debts were proved to not be mine. I have attached letters from the companies stating that I am not responsible for these debts.
Product: Checking or savings account

Saw on report have already told them I don't have account with them. Guy at XXXX Social Security XXXX must be getting a cut off my social or I'd bc he saw me as soon as he said he's not giving me new social security number mine Har been stolen while sleeping sent to at least 13 ppl and everyone has copies of all my stuff I'm not safe bc of it I can't even get a car I need my backpay I'm suffering from my exbf sending my info for some jealous girl and maybe my uncle idk follow the money is all I can say help Navy Federal Credit Union it says I have an account and no telling where else and XXXX XXXX XXXX is charging me {$220.00} or {$220.00} for XXXX XXXX XXXX it's ruining my credit I had my water shut off and he stole water and they're charging me.
Product: Payday loan, title loan, personal loan, or advance loan

Provided proof of address, but was still told I would have to give them the landlords name and number for them to ask him if I lived there. Was told that they spoke to another lender and asked if I applied there. Then was rudely hung up on and no worthy of a small loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Evaluate this account : 1STPROGRESSXXXX XXXX Balance {$120.00} reporting by making a revision of the information provided. Charge off account should show {$0.00} balance so why is it that there is a {$120.00} balance indicating if it is a charge off account.