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

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

XXXX XX/XX/2023 I wrote and mailed a check from my business checking account for {$6000.00} payable to a general contractor, XXXX XXXX and XXXX. The check number was XXXX and dated XXXX XXXX. On or about XXXX XXXX, the payee attempted to deposit the check via mobile app to their account at XXXX XXXX. The deposit was supposedly unsuccessful, so the payee attempted to deposit the check in person at a XXXXXXXX XXXX XXXX 
On XXXX XXXX, the {$6000.00} cleared my account. However, a few days later, the payee informed me that XXXX XXXX  reversed two deposit transactions - one called a " return '' and one called an " adjustment ''. The net effect for the payee 's account was {$0.00}. However, my checking account remains {$6000.00} less because the funds were never returned to my account. 
I have attempted to resolve this with my bank, Navy Federal Credit Union, which claims they are not holding the funds. XXXX XXXX  says they never received the funds and therefore can not return my money. Neither institution seems to know ( or care ) where the funds are, but all parties agree that they are not in my account. I have verified the funds have not been returned to me as of today, XXXX XXXX.
Product: Mortgage

Selene Finance and XXXX got my Discharges bankruptcy for a Mortgage loan from XXXX XXXX XXXX and Selene has me on all XXXX credit reporting agency that I owe the mortgage like XXXX giving me bad credit ... I would like my credit fixed ASAP and Selene to be sued so I can buy the house I was shot down trying to get a mortgage because of these crooks. It was all set to go and the final credit repot was pulled and they just did this to me XX/XX/2016 I am not happy ... we will be homeless because of them we gave notice on out apt . to move into our home that was denied now because of Selene Finance, check out this great link for more info on Selene Finance, XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery keeps reviving an account from 2007.
Product: Debt collection

I am filing a formal complaint regarding identity theft and fraudulent accounts opened in my name. I am requesting immediate action to rectify the damage to my credit report and hold the responsible parties accountable. My personal information was compromised online resulting in many fraudulent accounts being opened. The following accounts are fraudulent. I did not authorize these accounts or authorize my information to be used to open these accounts : The Bureaus Original Creditor Name XX/XX/XXXX Account NumberXX/XX/XXXX Amount {$540.00} Pursuant to [ FCRA 15 U.S.C. 1681c-2 ] ( Section 605B ( a ) ), I am providing the following documentation as required for the blocking of information resulting from identity theft : 1. Proof of my identity.

2. A copy of my identity theft report.

3. Identification of the fraudulent information.

4. This statement that the information is not related to any transactions I have made.

Also pursuant to [ FCRA 15 U.S.C. 1681c-2 ] ( Section 605B ( a ) ), I demand that you immediately block the reporting of all information related to these fraudulent accounts and the mortgage default, as required by law within 4 business days upon receipt of this letter.

I am prepared to pursue all available legal remedies, including those afforded by [ FCRA 15 U.S.C. 1681o ] ( Section 617 ), to recover any actual damages sustained as a result of this negligence and to seek reimbursement for legal fees incurred.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a payment on my XXXX store card for {$35.00} but the company then took XXXX from my checking account instead. 

I have been making payments on this card for over a year and I am very familiar with the interface. This was a mistake on their end. 

I called and spoke to a supervisor XXXX ( ID : XXXX ) who informed me that they can not send a refund check until XX/XX/XXXX! Meanwhile my checking account is overdrawn and bills will not be paid.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$16000.00}
Product: Student loan

Original amount of loan was {$21000.00}. I have been paying monthly amount steadily, yet current balance is {$24000.00} Interest is 5.78 % but seems to make no dent in amount of loan.
Product: Credit reporting or other personal consumer reports

I suspect these accounts are the product of identity theft : XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$170.00}
Product: Checking or savings account

Card was charged without my knowledge and consent and was not reimbursed.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of specific accounts and inquiries from my credit report. I am a victim of a data breach, which has compromised my personal information and exposed it to potential identity theft. As authorized by 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting the removal of the following entries from my credit file : Accounts : XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$680.00} XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$740.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$680.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$350.00} XXXX. XXXX XXXX XXXX  - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$360.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$260.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$3400.00} XXXX CXXXX XXXX XXXX XXXX  Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$90.00} Inquiry : XXXX. XXXX XXXX XXXX  - Date : XX/XX/XXXX
Product: Credit card or prepaid card

I have been disputing and going back and forth with Chase 's Amazon Visa card service for a few months now. I contacted the company to alert them of a charge in the amount of {$1000.00}. I made them aware that my identity was stolen and that I am a victim of the XXXX  Data Breach. I have sent emails which include a copy of my identity theft filed by the Federal Trade Commission and they still continue to state that the debt is mine. I am not disputing any other transaction on my account, only the one that I didn't make. This charge is a result of identity theft. Someone used my account to purchase tickets in my name through an airline called XXXX  XXXX XXXX. I have never heard of this airline and have never flown with them. I am simply taking measures to get the transaction removed from my account. Please make the adjustment and residual fees on my account accordingly.
Product: Checking or savings account

Scammer used XXXX XXXX and XXXX XXXX  with debit card information to wire transfer funds from my checking account into their accounts. Scammer posed as a Wells Fargo employee trying to help close my debit card to gain access to my card number. XXXX XXXX was unknowingly infiltrated along with XXXX XXXX Reported this to bank and a couple of transactions were returned but the majority of the transactions were not refunded. Stated that it didnt show it was fraud. I stated that I had evidence of the individual in my phone ; since they hacked my XXXX XXXX, their pictures loaded into my XXXX Wells Fargo stated they couldnt do anything about it and to file a police report.
Product: Credit card

After XXXX year of a XXXX dollar credit limit, they reduced my credit too {$170.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report last month around XX/XX/2021 and i saw this fraudulent account on my profile being reported by XXXX  and XXXX. It is the first time i seen these accounts. I've never received any information from the company or the collector DEBT RECOVERY SOLUTIONS so i don't know whats going on. This account is not mine i've tried disputing and calling the credit repair companies and i also sent letters to the debt collection company. It is extremely hard to get someone on the phone through the system it is very confusing and time consuming. They are violating my rights by reporting this false information. 15 united states code 1681 ( a ) ( 1 ) says they must report accurate information. It has been more than 30 days and all they say is that the information is verified. How, they haven't sent me one document showing that it is mine. I'm so confused how they can just violate the law like this and destroy my credit score and not be held accountable. I do know Fair Credit Reporting Act laws protect me from this type of stuf. 15 United States Code 1681n ( a ) ( 1 ) says any actual damages like the stress plus up to {$1000.00} per violation. I need this stuff deleted our i will have to excercise my rights.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXXXXXX XXXX XXXX XXXX  ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
XXXX XXXX  XXXX
Product: Credit card

On XX/XX/2023, I submitted a payment of {$640.00} from a checking account ending in [ ask if needed ] which had XXXX XXXXXXXX on it to Citi Bank to pay my balance and keep my account funded. After a few days, I recognized a Return Check Fee. Confused to why that would be I would call Citi Bank for the first time on XX/XX/XXXX inquiring about the fee and why. The person on the phone did not explain the fee after I constantly asked why and I asked to get it waived which they agreed to do, I just had to wait until my statement posted on XX/XX/XXXX. Waiting until XX/XX/XXXX I would call Citi again as I noticed that another returned check fee appeared again. This agent wasnt informed on what it was either and once again said that when my statement is posted, they will reverse it and my account will be reflected to show the proper balance. So I wait until the next day where I receive an email saying a Replacement Payment is required. So I call Citi to ask about that as well as with an agent on the phone saying my account is fine all I have to do is make a payment. I used my account Ive been using with Citi to make payments to make a payment of {$680.00} which XXXX XXXX confirmed on a call I had with them minutes prior that they see the payment and it will be released, everything is all set. Hours later, I check my Citi account is closed with no notification after being strung along for a week and lied to before the account was randomly closed after taking a {$680.00} payment from me verbally after going through their verification process on each call. 

I reached out to Citi Executive Response Unit to explain the situation and they made a case to investigate it under the case number [ ask if needed ]
Product: Credit reporting or other personal consumer reports

every month on my XXXX XXXX credit score and info, i get reports, 33 reports now and every month i get this report : XX/XX/2024 An account has been identified as Closed by the creditor or consumer. 
NSTAR/COOPER XX/XX/2024 An account has been identified as Closed by the creditor or consumer. 
NSTAR/COOPER and so and so on every month! My credit score has dropped XXXX point! I am at XXXX so not bad, BUT! I can not get an answer as to why every month another notice for same thing, which there was never ANY account closed! This is a company that took over the handling of my VA loan from XXXX! I have had nothing but problems and there are LAW SUITS ongoing now with Mr Cooper! I closed my accounts with XXXX to go to XXXX XXXX XXXX! XXXX went from Hero to Zero!
Product: Checking or savings account

Wells fargo fraudulently opened a savings and checking account in my name.
Product: Vehicle loan or lease

I took out a loan for around {$14000.00} through Santander. I paid on the loan for about 3 years. I did miss some payments but always paid them plus extra late payment fees. The motor blew in the vehicle. I asked for help with getting a rebuilt motor which would cost {$6000.00}. They refused to help me. I needed a car to get to work so I could pay my bills so I had no choice but to let them take it back. They sold the vehicle at auction. They put on my credit report that the original amount of the loan was over {$16000.00} and they wrote off {$15000.00}. I have tried to work with them to charge me the true amount owed and pay them in payments but they wanted me to pay {$400.00} a month of which I could not afford. The lady admitted that all I was paying for those 3 years was interest and the {$16000.00} was principal, additional interest and other undisclosed fees.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 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: Mortgage

I applied for a mortgage refinance on XX/XX/2021. There was a fee of {$500.00} for the application. XXXX XXXX my loan originator said the process usually 30-45 days. My original disclosure was supposed to be a locked rate at 2.5 %, by the time they got all the documents they said the rates went up to 2.625 % and that I would have to pay more, but they offered to pay a concession. 

I finally got all my documents sent in and verified. I got a call from my loan originator XXXX temple on XX/XX/XXXX to say my loan was ready to go and a closing date for XX/XX/XXXX. I had to review my closing disclosure and it didn't have the concession on it they offered to pay. The closing costs on it included home owners insurance which I already sent them a copy I had already paid it full so it shouldn't have been included in the closing costs. The closing costs also included property tax which was also already paid my current mortgage insurance company, so that shouldn't have been part of the closing costs either. I tried calling about these, and also sent an email to both the loan originator and loan processor and got no response. I've tried calling multiple times and each time they've been unavailable. I've tried calling the customer service department to which they've told me that no one in management was available to talk and they would send an escalation email and I would hear back, I haven't heard back, it's been 25 days and I haven't heard anything back about my closing costs disclosure. My lock in rate expiration date is XX/XX/2021. It just seems like I'm being ignored.
Product: Credit reporting or other personal consumer reports

My information was in data breach captil one and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are XXXX accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting inaccurately on my credit report as closed accounts but there is activity in the payment section after these accounts were allegedly closed. Please provide bank statements from these XXXX companies showing I was ever late or mark these accounts as paid as agreed Furthermore the FCRA states that there should be no activity showing in the payment section on a closed account after the account is closed. EXPERIAN has reported this account inaccurately after they claim it was verified as accurate. This is my last attempt to correct this error before I file for arbitration.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries.


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 U.S.C. 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: Vehicle loan or lease

On XX/XX/XXXX through XXXX XXXX XXXX, I have 10 hard inquiries from XXXX XXXX. Dispite having 10 hard inquiries they still denied me my loan after I went back to reapply and the internet director named XXXX XXXX told me he couldn't accept my application because of how I indorsed the application, with a reservation of my rights, as is my rights as stated by the UCC, XXXX stated that he would not be able to accept it because I reserved my rights acting in bad faith and commited fraud. I then talked to the general sales manager named XXXX and both of them did not know what the XXXX  even were. I would like the amount the 10 hard inquiries removed from my credit accounts. Despite being discriminated against illegally because of my indorsement they still monetized my account when they had no intention of approving me. A clear violation of my rights to negotiate my instruments as I see fit. 15 USC 1
Product: Credit reporting or other personal consumer reports

I've reached out to the company/ credit bureaus requesting a signed agreement between me and the creditor that is reporting on my credit report. They have not yet to properly verify this debt and I am requesting that it be removed from my credit report. 

Dates XXXX, XXXX Credit Bureaus XXXX XXXX Equifax XXXX Collection Company : XXXX Amounts {$2700.00} / XXXX This company only send me a bill no signed contract. 

# XXXX / # XXXX
Product: Credit card or prepaid card

I've purchased a {$500.00} worth Vanilla XXXX gift card. Which stolen someone & used online. My card number is listed below. 

XXXX XX/XX/30 XXXX