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

I am submitting this follow up complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. I have enclosed nor attached my documents in my letter. 
I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. I also request an updated copy of my credit report reflecting the corrected information. These items should be deleted as a confirm of derogatory nor negative in my credit file. Kindly help me delete these following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I was XXXX from XX/XX/XXXX to XX/XX/XXXX of the year XXXX Thats from the church it occurred to this card I know responsible for I was nowhere around. I have provided copy of police report and proof of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my 18th 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. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I have contacted Apple/ Goldman Sachs many times over in the last two months to solve a problem I have with a bank transfer from XXXX XXXX Apple . 

XX/XX/XXXX I attempted to complete a bank transfer from XXXX to my Apple account to lower my interest from 16 % to 0 % for 18 months. 

The bank transfer was shown as completed on my XXXX XXXX XXXX Credit Card # XXXX for a {$2000.00} debit. 

The debit to my Apple Card did not happen so I called Apple ( as XXXX suggested ) and was told that they dont accept Balance transfers???? Okay, well then I thought that the {$2000.00} would then be credited back to my XXXX account. 

This attempt to transfer was on XX/XX/XXXX. I have filed 2 disputes with Apple and XXXX. Both banks returned the disputes accusing the other for the problem! XXXX says that Apple received the $ $ $ while Apple says that they never cashed the $ $ when they received it from XXXX Its been two months Ive been waiting for a resolution. Seriously, it is XXXX. Am I to assume banks cant work together, for the consumer, in solving what I consider a pretty easy dispute. Am I just supposed to roll over and say forget it? Im retired and really dont have that luxury. 

I understood, by my misguided knowledge of banking, that the money {$2000.00} that was debited on my card would be a credit on or near XX/XX/XXXX when it was denied. It really doesnt matter in this case that there was Proof of Payment but WAS THE PAYMENT ACCEPTED. It was not. 

I have documentation of phone calls since early XXXX to billing disputes that total XXXX minutes that I can verify by our carrier XXXX. 


The situation that needs to be settled is : Who has the {$2000.00}. XXXX or Apple? 
Who cashed it or didnt cash it where is it now? My XXXX credit card is showing a {$2000.00} debit, I NEED for these two banks to figure it out. 

I have also filed a dispute with the FDIC, as well. I will file publicly on XXXX and any other high profile website or other social media if I need to. 

What further action do I need to do to settle this? 

Please respond with acknowledgement of this email. 

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

I did a {$1.00} credit check on Experian. They then took my credit card and started charging me {$24.00} after 7 days based upon the " small print '' on their website with no opt out. 

They are a fraud mongering company. Terrible for a credit check company that then defrauds you. Not even any benefit. 

I got into this mess because of the XXXX breach and placing credit freezes. Experian makes you give them your credit card info to " sign up '' for your free account ... for 7 days ; then they start soaking you. 

They should be recognized as fraudulent, and forced to change their methods. Looking online, I see I'm one of many who believe they've been duped by this " free account '' scam. 

This started in XX/XX/2017, and only now am I realizing it. This, because I had to unlock the freeze, again had to put my card in, and they started charging me again on this new card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted these three companies since XX/XX/2020. I have yet to receive any mail from them in regards to any accounts reporting on my credit report. I have the right as a consumer to have every account on my credit report verified which they have failed to do! 

At this point I am distressed at the lack of response. I have children and am trying to purchase a home and this is really affecting my ability. This is delaying my process. 

I am distressed that you have included the information attached in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The information therefore needs to be re-investigated.
Product: Bank account or service

Upon reviewing my XXXX credit report, it showed I still have an open line of credit since XXXX/XXXX/2010, from a credit union I had my checking and savings accounts with until I moved to SC. These accts. have been closed for 6 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote all three credit bureaus and the reporting companies several times asking to remove items as I was a victim of identity theft. The first date disputed was around XX/XX/XXXX, the next dispute was around XX/XX/XXXX, and then XX/XX/XXXX. I then sent a certified debt validation letter in the mail to the reporting companies ( XXXX XXXX ). I was never provided anything other than a XXXX and XXXX e-statement. I am well aware that I have never did business with the reporting company ( collection agency ) and that I disputed it 3 times and both the company and the Credit Bureaus never provided me with a signed contract with my signature. A collection bill is not a real validation. I also sent a fraud packet to XXXX directly. I have a right to be provided with valid proof or it needs to be remove. This is impacting my ability to purchase my new home, as my credit score is impacted. Please request that these collections be removed.
Product: Checking or savings account

PNC Bank advised me on XX/XX/2020 that they suspected {$2500.00} had been withdrawn from my checking account in Maryland by a man using false ID on XX/XX/2020. I live in Florida and confirmed their suspicions were correct. I have been unable to have these stolen funds returned to me even though PNC has confirmed the identify of the thief to not be me via the false ID used. PNC now said it can take 30 days, contradicting your website which indicates 10 days.
Product: Credit reporting or other personal consumer reports

contacted transunion to unfreeze my credit several time between XXXX XXXX because the system was not working. I was told that my account would be unfrozen never was 7 months trying to get account unfreeze so i could apply for emergency loans. Attempted to call back XXXX I was able to get account unfrozen I told the representative to leave freez off for two weeks and put it back on after that which never happened. I was getting spam calls junk text messages credit was available to all to see pull. I contacted transunion right away and spoke to representative that was very rude by the way claimed to have frozen my account but later came to find out see never did contact agian spoke and male representative he stated it will be done and take effect right away, because I did not trust it I requested email confirmation. Representative stated he would send it after the call never got a confirmation email, but the issue appear to have been resolved
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized credit inquiries that have appeared on my credit report. Upon reviewing my recent credit report, I noticed multiple inquiries from the following companies, which I do not recognize and have not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am requesting an immediate investigation into these inquiries. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or unauthorized information on my credit report, and I ask that these inquiries be verified. If they can not be verified or proven to be authorized, I request that they be removed from my credit report. 

Please investigate and provide me with written results of your findings. I would appreciate your prompt attention to this matter and expect a response within the 30-day period allowed under the FCRA.
Product: Credit reporting or other personal consumer reports

I Sent my letter off on ( date ). I requested that the credit agencies to " investigate this information thoroughly '' on the accounts I have listed below.

Also I have attached the letter I sent out and here is the According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who

may have knowledge concerning any such items of information. They stated my account ( s
) was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurately .According to the FRCA 15 USC 1681 everything has to be 100 % Accurate. Ive marked the inaccuracies with my included credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, None of the boxes I checked previous to this were particularly accurate, but I wasn't given the option to select what my issue is. 

My issue is with Experian and their credit report and scores. My score has inexplicably dropped 25 points this month, I have logged into my account to see if there is any fraudulent or incorrect information on there and there is not, my account information ( debt, balance available, accounts opened/closed, credit inquiries, negative comments etc ) is all exactly as it should be and exactly what it was the month prior.

It is inexplicable to me how a credit score can drop so steeply without any of the information in the credit report changing - it goes against every piece of information on how credit scores are determined. Because this is so puzzling and nonsensical I have tried repeatedly to contact Experian to have them explain this to me and I can not get an answer from them as to why.

I am fully aware of all the factors that go into a credit score, because non of these factors changes, my score should not have either. It remains in the mid-800 's in other credit companies ( XXXX  & XXXX ) which makes this huge drop with Experian even more nonsensical. 

All I'm asking is ... give me the reasons why my score dropped so that I can challenge it if it is fraudulent, or work on fixing it if it is accurate. But without telling my why, this is impossible to do. 

Thank you.
Product: Debt collection

Rentdebt Automated XXXX XXXX  XXXX XXXXXXXX XXXX  this account was sent to collections for total of {$4200.00}. Ive repeatedly asked collection company to remove item off credit report, to produce documents regarding original contract of debt, i firmly believe this is misleading information and this is all wrong. What contract did i violate to deserve this debt? The manager of XXXX XXXX XXXX,, do they have this document on file? I need proof please, or otheriwse remove this. It's damaging my credit. I did not do anything wrong.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXccount Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXccount Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : 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: Credit card

I was the victim of identity theft. These are a formal dispute to support my position and claim. 
Below is the information you need to remove or block these accounts from my report. Also, these accounts are knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. CITICARDS CBNA XXXX & CITICARDS CBNA XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding. 
( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

I have been with BB & T since around XXXX of 2019. I opened a checking account with them. First I had the Bank Manager at that time to notarize a document for employment. She didn't do it correctly. I took it back to find out that she had retired. The new XXXX XXXX XXXX refused to notarize the document when I said to him, you're making the same mistake that she made. He then said that he didn't have to do it, and didn't. I filed a complaint with the Bank. Nothing was done. Then my debit card started getting denied. They tried to say it was suspicious activity. I shop in the same XXXX XXXX XXXX to 3 times a day. I felt discriminated against because I am a XXXX woman and the Manager is XXXX The Bank did nothing about my complaint. Now I feel as if I am being retaliated against. I have spoken to the Fraud department more than 3 times in reference to them blocking my card. There is no way they truly suspected fraud. I have Bank statements that show just how much I am in the same XXXX XXXX. Now it also feels like harassment. All of my complaints with the Bank has fallen on death ears.
Product: Credit card

A PayPal credit account was opened without my knowledge or consent through Synchrony Bank apparently because I wasp reapproved and someone accessed my account, changed the email and phone number and applied for the PayPal credit account. I called Synchrony Bank and they closed the account and started an investigation. In the course of these events, they told me that there is a second phone number on the account. I told them I have no second phone number and they should remove it. They refused. I have no card/account number to enter because I did not open this account.
Product: Debt collection

I have accounts on my credit report that keeps revolving from the collection agencies that owed the accounts.   They are duplicate accounts, and when asked the collection agencies for a detailed statement of the accounts, they never provide it. They ca n't provide, because its the same account reported twice with the same amount on my credit bureau.   The amounts are the same, there are  XXXX  accounts with the same duplicate account. The date this collection agencies are using its the date they bought the account.
Product: Debt collection

I have received three or four letters from Afni collections XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Illinois XXXX, XXXX. 
Last notice date on XX/XX/22 stated I owed {$770.00} to XXXX. Credit acct XXXX. Afni , Inc acct : XXXX The company stated a discounted offer : {$380.00}. I replied to the first letter in writing via mail I received that I did not owe this debt. Ive had XXXX & XXXX for many years not XXXX. 

Is this a scam targeting the elderly?
Product: Mortgage

Mortgage Payment was taken from the checking account account, but not applied to the Mortgage account. Further, credit rating agencies were informed that my account was delinquent, which resulted in credit being adversely affected. Thereafter business loans could not be obtained.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the company to do what is fair and equitable to me as a consumer by updating and removing the late payment remarks on the items that I was never late in.
Product: Money transfer, virtual currency, or money service

Please mediate in the dispute with JP Morgan Chase Bank Group XXXX XXXX XXXX XXXX XXXX, NY XXXX, USA. 
Unclaimed Asset/Assets Re-united, USA International Remittance Department Our Website : www.jpmorganchase.com Phone : XXXX ( XXXX ) XXXX XXXX XXXX TELEGRAPHIC TRANSFER OF $ XXXX. 
============================== =========
Product: Mortgage

We had a number of issues and delays with Better Mortgage during our refinance in XXXX. We started the process at the start of XXXX and it wasn't completed ( or at least we thought ) until end of XXXX. We've never had a purchase or refinance take 3 months! 

Well, the latest issue just came up today, XX/XX/XXXX. We kept receiving statements from our old HELOC servicing company, but assumed it was a glitch because our HELOC account was with a credit union in XXXX, IL ; however, they outsourced the servicing to a company called XXXX. This was supposed to be paid off/closed during the refinance process. The account with the credit union was closed ; however, we just found out XX/XX/XXXX that the XXXX HELOC for {$500000.00} was still opened almost 8 months later. I called XXXX to stop the statements because the most recent one showed we were charged an annual fee ; XXXX stated it was still an open/active account being reported to the credit bureaus and refused to close our account. I said I have a paper trail with the title company ( XXXX ) and Better Mortgage that we signed the closure form and emailed to them on XX/XX/XXXX. They had " forgot '' to have this included when we signed all other documents at closing, so XXXX  emailed me the HELOC closure form on the morning of XX/XX/XXXX ; I returned by the afternoon of XX/XX/XXXX. 

I emailed the contacts at XXXX XXXX and Better Mortgage with no response on how quickly this will be fixed or how it will be corrected. 

It has adversely impacted us showing our debt ratio higher than it should be with an open line of credit for {$500000.00}. Let alone the time now I've had to take calling 3 different companies, being put on hold to be transferred to the correct departments and babysitting this process to have a major error corrected that we didn't even create.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX This hard inquiry is the results of identity theft and fraud.