23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/XXXX. XXXX to Experian, XXXX and XXXX. However, it has been 30 days and the credit bureaus failed to send my investigation back. This makes no sense. 

According to the law 15 U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers 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.

Because of this stated law, I called each bureau to get an explanation of what happen to my letters and supporting documents. 

I spoke with an agent named XXXX at Experian on XX/XX/XXXX who refused to give me an explanation as to why I had not received a response but admitted they received my letters along with my identification documents. Instead, she said AS OF NOW they would investigate the disputes which she said would take an additional 30 days. I asked to speak to a supervisor who was not able to come to the phone. 

I spoke with an agent at XXXX on XX/XX/XXXX who gave me verbal confirmation that they completed the investigation and that everything was 100 % accurate by having my name, date of birth and address. THIS IS NOT A VALID RESPONSE.

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who they talked to and how did they verify this information? 

I provided each bureau with a copy of my driver 's license, social security card, a police report, signed affidavit and a copy of my lease. I have been a victim of fraud and they have yet to provide factual information confirming the creditability of these accounts/debts. They have continued to report the wrong name, wrong address, and wrong telephone numbers without verification.
Product: Checking or savings account

I never received my debit card. Please keep in mind that mail theft is huge in XXXX, CA. XXXX filed this complaint with the US Postal Service Inspectors ( case # XXXX ). I had my new debit stolen and my pin, unfortunately was easy enough to have it figured out. Citibank allowed nearly {$5000.00} of fraudulent charges go through without ever contacting me or my wife. Their reasoning for declining our dispute was because a card and pin was present. 

Adversely so, BEFORE we became aware of the fraudulent charges, my wife tried to remove cash from our bank account, and was denied multiple times. She was placed on a call with the fraudulent department for over XXXX minutes. The ease and accessibility for these fraudulent charges to go through and for then my wife to actually be denied after providing proof to MULTIPLE FRAUD REPS is mind boggling. She eventually was able to pull out our cash.

Citibanks investigation has been extremely lazy. One of the transactions even took place at a local citibank atm and they did not even check to see who it could it. WITHIN THEIR OWN SYSTEM AND WITHIN THEIR OWN POWER. 

While this fraud occurred, Me and my wife were out of the country, with proof of departure. Even our transaction afterward showed XXXX atm.
Product: Debt collection

USPS delivered XX/XX/19 sent from Affiliated Management Services Inc. a falsely alleged amount due to " Breathe '' of {$30.00}. Attempts to call XXXX to request email address to attach USPS document received and resolve false allegation repeatedly obstructed. 

Attempted upload of Affiliated Management Services Inc.pdf denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information you provided is different from other bureaus. This account is reporting late as reported in my XXXX and XXXX Credit Bureaus. Also, please reinvestigate the whole information especially the account status, high credit, current balance, payment status, and comments. This information seems to be misleading, lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance Owed : {$350000.00} ; {$350000.00} ; XXXX XXXX XXXX Balance Owed : {$680.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a vehicle in 2018 from XXXX XXXX. While driving the vehicle for less than a month we discovered that the vehicle was infested with roaches so we allowed them to pick it up. Im sure this company sold the vehicle to someone else. They have yet to provide paper work that shows what it would for and the balance owed after the sale. It continues to report falsely on my credit report and if like it to be removed. There is no way this is legal to sell someone a car infested with roaches.
Product: Credit reporting or other personal consumer reports

Hello and good day, please take this complaint seriously as this has caused me undue stress and XXXX  because I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing an item on my report that I never was associated with. I filed an FTC report as I was instructed to by Equifax. I have sent in this report but this fraudulent item still remain.
Product: Prepaid card

XXXX case XXXX opened for damaged card that was unable to be used. Front numbers damaged when removed from packaging, card strip not working physically. Purchased from XXXX and activated on XXXX No return correspondence Called again XXXX, was told to provide photos of damaged card, receipt, and proof of residency, emailed requested info on XXXX to XXXX XXXX still no return correspondence, called again. Was told the case was denied, but a new card would be shipped within 10 business days. 

XXXX still no return correspondence or replacement card. Spoke to XXXX, escalated to XXXX. Was informed to follow up with XXXX. Emailed dispute. Card clearly damaged and unusable, all proof of purchase provided. Was told I would be contacted. 

XXXX no return correspondence. Spoke with XXXX, escalated to XXXX. Was told replacement card was not shipped due to no balance on card. Card has not been used, as its damaged and will not work physically. XXXX unable to escalate further but opened ticket XXXX for management call back. No return correspondence from date of opening case XXXX to today, XXXX. Informed would be opening CFPB complaint as no resolution provided. Incomm unable to provide reason why replacement card not issued.
Product: Debt collection

I am constantly receiving calls from TD Bank at work-for my ex husband-XXXX-he has never worked there so there is no reason for it. TD Bank XXXX
Product: Credit reporting 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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXXXXXX XXXX XX/XX/year> XXXXXXXX XXXX XX/XX/year> XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Mortgage

XXXX This is a follow up of the case above. As I sent you an update last time from Wells Fargo mortgage with a letter of others requested documents that I sent the same day and forwarded you the attached documents. The following day XXXX XXXX sent me an secured email with others requested documents that I attached here with ours both emails. I already submitted these documents and attached them here. 
The other settlement is scheduled for XX/XX/XXXX and the rate lock expire on XX/XX/XXXX after that everything will change and eventually go up. We don't want to encounter the such situation as they wasted time asking the same things one by one many times
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute information on my credit report resulting from the exposure of my personal information during the XXXX data breach. Under the Fair Credit Reporting Act ( FCRA ) 605B [ 15 U.S.C. 1681c-2 ], I am asserting my rights to block fraudulent information that may have been added to my credit report as a result of this breach.

The compromised information includes but is not limited to [ specific information such as Social Security number, name, address, etc. ]. This breach has placed me at an increased risk of identity theft, which has already resulted in unauthorized accounts or inaccuracies on my credit file.

Below are the fraudulent/ unauthorized accounts which I have no knowledge of XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$15000.00}
Product: Credit card

On XX/XX/XXXX  a charge for {$2600.00} appeared on my USAA credit card from " XXXX  XXXX XXXX XXXX ''. I did not recognize the charge and reported it immediately as fraudulent. I also had large fraudulent charges ( several XXXX dollars each ) hit two other credit cards ( XXXX and XXXX XXXX ) and reported those to the respective companies as well. The charges to all accounts were from the same vendor - " XXXX XXXX XXXX XXXX ''. All three companies ( including USAA ) opened fraud cases, canceled my cards and issued new ones, and ultimately credited the fraudulent charges back to my accounts. I also had a fraudulent ACH transaction for {$600.00} hit my USAA checking account on XX/XX/XXXX from " XXXX XXXX ''. That charge was also disputed and ultimately refunded. The timing of all 4 charges indicated to me that this was an instance of fairly sophisticated identity theft. 

On XX/XX/XXXX  the fraudulent charge for {$2600.00} appeared on my USAA card again. When I called USAA to ask why I was seeing the charges again, they informed me that their fraud department had asked for further documentation from the vendor and received an invoice proving that the charges were legitimate ( attached ). I reviewed the invoice and told them that I had 1. never had an interaction with this vendor and 2. never received the plumbing services that were stated on the invoice. I also pointed out several obviously suspicious items on the invoice : my address ( customer address ) is similar to the actual address but incorrect, the business address provided by the vendor is actually a residential address, there's no line items detailing out the charges ( labor, parts, etc. ). But the most important point is that these are services I never requested, approved, or received and USAA is accepting a fraudulent invoice as proof that I am responsible for payment of thousands of dollars that I did not authorize. 

I have since reached out to USAA customer support multiple times. Each time, I have been escalated to their Member Resolutions team, provided a detailed explanation of the situation and asked to speak to a member of the Fraud team who is familiar with my case. I've been told repeatedly that there is no way for ANYONE within the USAA customer support organization to connect a customer directly to the Fraud department. When I've requested that my case be reviewed again and to receive a call back and/or written explanation from the Fraud department detailing out why they have made this decision and what I need to do to further dispute the charges I have been told that they can't guarantee any response from the fraud team. To date, I have escalated the case at least four times and each time, the Fraud department has provided notes in my file ( which I have only been made aware of by calling Customer Support ) saying that I am responsible for the charges with no further explanation. I can not get anyone at USAA to help me and am repeatedly running into a broken process that does not allow for appropriate escalation.
Product: Credit reporting, credit repair services, or other personal consumer reports

12 months of on time payments in XXXX and XXXX reported as late by mortgage company. All three reporting companies fixed this last year, but Equifax and XXXX  are now reporting the same bad information again and have not fixed it despite repeated disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I was contacted by an individual named XXXX XXXX who was posing as a recruiter at XXXX XXXX, a sportswear retail company, and he said he was impressed with my work on XXXX and wanted to conduct an interview with me for a job opening via XXXX. On XX/XX/XXXX, I was ready on XXXX which I tried to call the person, no response, I then tried a video call, the call was rejected, then I texted him which he responded that he will begin the interview which was entirely text-based. He brought up the overview of the company, culture & diversity, job brief, responsibilities, requirements and benefits, and he even asked questions that would be used in an job interview which I answered the best of my ability. After answering the interview questions, he said that he will bring the results to the team and follow up the next day which on XX/XX/XXXX, he said that I got the job and he sent me documents to sign, XXXX of the company and the job position to sign in accepting the job and the other being a W-4 for me to fill out which contained personal details such as my address, SSN and more. Then on XX/XX/XXXX, he emailed me XXXX checks of large sums, XXXX being {$9500.00} and the other being {$6300.00}, that he said I would need to deposit via XXXX XXXX and transfer to a " accredited vendor '' of the company to get the work materials. After depositing the the first check which was {$9500.00}, the individual wanted me to transfer the money through Cashapp or XXXX which neither worked so he had me do a domestic wire transfer of {$9500.00} of my checking account to the recipient " XXXX XXXX '' at the XXXX XXXX XXXX. It was also at this moment that I reached out to XXXX XXXX on XXXX to ask him about the situation. On XX/XX/XXXX, the real XXXX XXXX on XXXX reached out to me that I need to call the bank and report to federal agencies to stop the transfer. So I called the bank to do a wire transfer recall that was sent to XXXX XXXX XXXX and then filed a report to the local police authorities. I also filed a IC3 report to the FBI and the another report to the FTC. Unfortunately the wire transfer recall didn't make through, but they said they had an investigation into the fraud/scam.
Product: Credit reporting or other personal consumer reports

I have no record of this account and I have no idea who XXXX XXXX is. This is not my account. 

XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Opened : XX/XX/year> ( 9 mos ) Open balance {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity theft and fraud. I have notified alleged creditors on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credits, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my social security number has been used unauthorized, and without consent and written or verbal permission. I have not authorized any of these creditors listed to have access to my credit report, and/or score. My social security number information was breach and alleged creditors have used my social security number and are in violation of the privacy act of 1974 etc. unless they can prove a written contract exist.
Product: Vehicle loan or lease

2. I see 30 late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting or other personal consumer reports

This agency is reporting inaccurate, incomplete, and unverifiable information on my credit report and I demand that they delete those items immediately as it violates the FCRA. This complaint is to also serve as a notice that I sent a dispute that way later they can not claim ignorance.
Product: Checking or savings account

This issue is about brinks money/mastercard an individual has been stealing funds digitally and physically from my account this company has known about this for 6 months and in that 6 months I have not had access to my money since then we are talking about over XXXX XXXX dollars of my own money been saving for a year it's been nothing but excuses and disconnected phone calls along with incompetency my next course of action will be taking this to a law firm for a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I opened an account with XXXX XXXX XXXX XXXX. The account is still open but almost fully paid. I got a missed payment on my XXXX and Equifax credit report stating that this account missed a payment in XX/XX/2018.However, i had sent the money on time using my XXXX XXXX account on the date that i was supposed to pay them {$510.00}. The money got cleared after a couple of days and XXXX XXXX left a negative item on my report after i already paid them on time. 
Right now 91 % of this loan is already paid.
Product: Debt collection

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. They also have no permission to report ANYTHING using my info pursuant to 15 USC 1681 4. 

{$290.00} Date Opened : XX/XX/year>
Product: Credit card or prepaid card

I paid my credit card on XXXX in the amount of XXXX, I have no food, no diapers and they are refusing to take off the manual hold when they got there payment I was told my kids have to wait another 7 days for it to fall off, there has to be something that can be done.
Product: Credit reporting or other personal consumer reports

I am distressed that this Bureau ( XXXX ) has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 an 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 ) ( a ) 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. I request delete the not authorized hard inquiries below : 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 XXXXXX/XX/XXXX
Product: Mortgage

I settled a mortgage dispute with XXXX and I thought everything was very clear, I did not agree with a host of fees due to the nature of the issue and thus the fees were waived ... Now I'm looking at tax documents though and XXXX filed 'Cancellation of Debt ' with the IRS which means a few things. One that they still feel those debts were valid, I'm supposed report this as income, and 3rd, they get to take the deduction all after they totally and completely mishandled everything to do with my loan and the foreclosure which should have never occurred, that I paid off in full but yet they continue to try to 'stick it to me ' which I feel is in violation of our settlement agreement.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : XXXX XXXX XX/XX/XXXX {$250.00} Personal Information Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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