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

I am writing to urgently inform you that I have been a victim of identity theft, which has resulted in several fraudulent entries on my credit report. These 6 unauthorized accounts and 5 inquiries were added without my knowledge or consent and require immediate correction. 

ACCOUNTS - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX I have filed an official identity theft report with the Federal Trade Commission ( FTC ) and demand the immediate removal of these fraudulent items to restore the accuracy and integrity of my credit report.
Product: Credit reporting or other personal consumer reports

I have diligently followed all the necessary procedures in disputing these accounts. I've reached out to the bank and they assured me the issue was resolved. I've also contacted law enforcement and provided a report and affidavit, which they confirmed as valid. Additionally, I've engaged with XXXX and XXXX, who complied with legal requirements and removed the accounts. However, Experian seems to be presenting obstacles, claiming I haven't completed all the necessary steps. 
I want to emphasize that I've reported the identity theft to a law enforcement agency, specifically Identitytheft.gov, which is a federal entity. I seek a resolution to this matter that adheres to proper procedures. The distress caused by this identity theft, coupled with the inability to access my credit, is severely impacting both my personal and professional life. I am overwhelmed and feel like I'm losing control. Please handle this matter with urgency. 

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

On XX/XX/year> I checked out of XXXX XXXX XXXX XXXX before the XXXX checked out time. 
I had paid for the room for 1 night in advance {$74.00} pending a new job out of state call to work. I turned my room key XXXX in at the front desk and the XXXX shift manager " XXXX '' stated that he would refund the {$74.00} no problem. A few days went by and there was no refund so I called XXXX and inquired with an abrupt hang up and then blocked my number. I went to the Chase Bank account webpage and disputed the transaction. Chase credited my account a temporary {$74.00} pending their " supposed '' investigation. Weeks went by and I awaited their notice of results to the secure message email then suddenly a {$74.00} charge to my account was made by Chase on XX/XX/year> without notice. I submitted a complaint on the Chase secure message center but have yet to receive a response. 
As with JPMorgan Chase XXXX, thousands of consumers are being fraudulently taken advantage of with the promise of an investigation to which never transpires or is nothing more than a phone call. This should be legally pursued as fraudulent banking practices with substantial penalties for any banks promising fraudulent investigations.
Product: Checking or savings account

Opened account with proof of residence. 

Account closure started XX/XX/XXXX without my knowledge and still no explanation why. 

Account has been closed and now they are requiring additional items up to and including a notarized letter just to give me my money. It's been nearly 2 whole months.

I just want my money so I can get my medication.

The customer service has been atrocious. I've spent numerous hours on hold and get transferred to one person or another. Once I actually spent 1 hour and 32 minutes on the phone getting bounced around and put on hold, just to be told they have no information.
Product: Credit reporting or other personal consumer reports

I am requesting a removal of the current fraud alert Equifax has on my credit file. The submitted the alert without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

after checking my credit report on XX/XX/XXXX I received a copy of ny credit profile I notice Fraud Hard inquiries, I contacted the companies and they stated they don't have an existing account and they can't help me to resolve the issue. I then contacted XXXX XX/XX/XXXXXXXX  the gave me a confirmation number that they will resolve the Fraud Inquiries from XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FTC report # XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX FTC report # XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AFNI is reporting a collection with a balance to my credit report. However I have already paid off this collection and it should not be reporting with a balance. I would like this removed as it is inaccurate and was already paid.
Product: Credit reporting or other personal consumer reports

Ive been receiving invalid debt collections letters and reports of the invalidation from XXXX, Equifax and XXXX for the deft from XXXX XXXX XXXX opened XX/XX/year> in the amount of {$2300.00}. I have not supplied proof under the doctrine of estoppel by silence, Engelhart v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit card or prepaid card

Called capital one on XXXX XXXX XXXX XXXXcustomer services rep XXXX refuse to transfer me doing my last contact with capital one on XXXX XXXX Capital one keeps freezing my card asking me to verify my identity. I have repeatedly done this starting in 2018. The harrassment of the company is out of hand I keep proving identity AND THERE SYSTEM WILL RELEASE THEN FREEZE MY ACCT again the keep stating the patriot act but my identity has been proven over and over this is turning into harrassment. I have had capital one card more then 3 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Flagship Credit Acceptance reported in XX/XX/XXXX  that my account is 30 days past due. When in fact, I sold the car to XXXX and payment was received to them by XX/XX/XXXX  and account was paid off. I disputed the information twice as incorrect and they continue leave the account reported as Open, Late.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to formally complain about TransUnion 's failure to properly reinvestigate inaccurately reported late payments on my credit report associated with my XXXX XXXX account, number XXXX. These errors are negatively impacting my credit score.

In accordance with the Fair Credit Reporting Act ( 15 USC 1681 ( a ) ( 2 ) ( 4 ) ( 0 ) ), TransUnion is required to conduct a thorough reinvestigation when a consumer disputes the accuracy of the information in their credit report. Despite my disputes, the following payment record is incorrectly reported on my credit report : XXXX : 30 days late This inaccuracy must be corrected, and I request its immediate removal from my credit report. 

I formally request that TransUnion provide me with a copy of the reinvestigation report, including detailed documentation and evidence that justifies the conclusion of the investigation. It is crucial for me to understand how the reinvestigation was conducted and to verify that the procedures followed were appropriate and that the final decision is based on concrete and verifiable evidence.
Product: Debt collection

There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.
Product: Checking or savings account

Company close my account which prevented my direct deposits to be applied to my account and they prevented me from reopening an account. I received a letter stating that they made a mistake by closing my account after conducting that investigation that resulted and no fault to myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent off a letter to get them to investigate inaccurate information from my credit file and they did not. All they did was said the item was verified, how can an item be showing different information across all three bureaus of the same data furnisher provided the information and it was investigated?
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX. XXXX XXXX XXXX XX/XX/XXXX, XXXX. XXXX lending llc XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
Product: Debt collection

I received a bill dated XX/XX/20 from Phoenix Financial Services for XXXX. I immediately contacted them and let them know that this was a part of a fraud account with XXXX XXXX and that I had police reports for this theft. I also contacted XXXX XXXX to have them contact : Phoenix Financial Services to let them know that the debt was not mine. After a few weeks I noticed the debt still appeared on my credit report. I immediately contacted them again and asked this be taken off my credit report asap. they said they could not and I have been getting the run around.
Product: Credit reporting or other personal consumer reports

An inaccurate deceased indicator has been placed on my credit profile without proper documentation or verification I have been denied employment and lines of credit due to this inaccurate report
Product: Consumer Loan

Luna Financial located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX, ( XXXX ) XXXX has called me on numerous occassions trying to locate my sister and nephew because they were late on their payment, XXXX XXXX and XXXX XXXX, who have a car loan with them. They were not skip tracing. They would also leave messages on my voicemail. I asked them to stop calling me month after month. They stopped. Today, XXXX XXXX, 2015, I received a call from them again. I told the gentlement not to call and that I had asked them in the past not to call me anymore. He said they were going to continue and call me again next month and hung up on me. I called back to ask for a manager and the same guy answered and said that they were going to continue and call me and hung up on me again. I would like for these phone calls to stop. I am not a message center. I would like my phone number to be removed from their records and for them not to contact me again. 
Thank you. 
XXXX XXXX
Product: Checking or savings account

Despite several previous contacts, Wells Fargo continues to allow XXXX to charge my account almost every month. They insist on being contacted by phone or in writing for disputes. I don't have time for their games. Every time I have sent them a written complaint, I never receive a response. I think they do this to negate their responsibility in the hope that people will just give up. This needs to stop. They should be required to be accountable for their failure to reasonably protect their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

I was placed as an authorized user on a credit card without my consent. I have never used this card from XXXX XXXX XXXX XXXX. I have been writing Equifax for over a year to remove this item. I have also been writing XXXX XXXX XXXX XXXX. The account was charged off and I am not responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed numerous times with XXXX and creditors to resolve this issue and have been completely ignored
Product: Student loan

I reached out to Aidvantage via mail. They received my certified letter in the mail on XX/XX/XXXX. Aidvantage did not answer anything pertaining to my letter. The just simply concluded that my letter was regarding to identity theft, and it was pertaining to them. I wrote them and informed them that I never gave them permission to have alleged loans in my trust name " XXXX XXXX '' transfer to them from XXXX, and charge me with an alleged debt without proving to me that this debt belongs to me. In my letter informed Aidvantage company to cease and desist phone calls to the number that they have on file for me and any references. An individual contacted me by phone from the fraud department, which makes then in violation to the FDCPA 15 USC 1692c ( a ) ( 1 ). It was an inconvenient time for me because I was at work when they called XX/XX/XXXX @ XXXX. Aidvantage also sent me a letter with their name stating that they were a loan service. They violated my privacy because anyone could have seen my name go the envelope and assume I have alleged student loans with this company. This is in violation of 15 USC 1692f ( a ). These two violations per the FDCPA Aidvantage needs to pay be {$1000.00} for each violation.
Product: Credit reporting, credit repair services, 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 Honesty And Confidentiality Under 15 USC 1681. 

XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX  Acct # XXXX 15 USC 1681 Section 602 ( a ) I have the right to privacy.

15 USC 1681 Section 604 ( a ) ( 2 ) Consumer reporting agency can not furnish account information without consumers written consent.
Product: Money transfer, virtual currency, or money service

Wells Fargo had money sent from another country dont remember the amount of millions. They said there was nothing want to final is it true or not?
Product: Credit reporting or other personal consumer reports

To my shock, I discovered inaccurate accounts on my credit report today, and I have no idea how they got there. Ive checked my credit report as usual, but this time, it included entries that dont belong. I tried refreshing the page, thinking it might be a browser error, but nothing changed. I am now requesting a thorough review of the documents I sent so I can avoid this frustration in the future.
Product: Mortgage

My home mortgage with Newrez started from XX/XX/XXXX, and my 1st payment was XX/XX/XXXX1. Because my initial Loan-to-Value ( LTV ) Ratio is above 80 %, I paid PMI of {$67.00} each month in XX/XX/XXXX and XX/XX/XXXX. In XXXX, I paid additional principal, so LTV ratio dropped to below 78 % as of XX/XX/XXXX. I talked to an agent of Newrez around XX/XX/XXXX. They confirmed me that I would not have to pay monthly PMI of {$67.00} from XX/XX/XXXX, these amount of {$67.00} would go to my Escrow account, and my monthly statement would be the same. However, Newrez still charged me monthly PMI from XXXX to XXXX until my loan was transferred to another service provider in XXXX. Furthermore, my new loan service provider received wrong information and still charged me monthly PMI. 

I talked Newrez for reimbursement on XX/XX/XXXX. They refused to give me reimbursement because they were no longer the loan provider. 

I now request Newrez to reimburse me the overpaid PMI of three month ( XXXX, XXXX, XXXX ), which is $ XXXX = {$200.00}.
Product: Checking or savings account

Have been trying to get {$4300.00} out of savings account since XX/XX/XXXX due to involuntary closure. American Express National Bank has said they sent letter of indemnity to XXXX XXXX XXXX for return of funds ACH, although with cooperation of XXXX XXXX XXXX, they confirm that American Express National Bank has never sent the letter of indemnity ( American Express Representatives are lying ). XXXX requested confirmation of date/time/fax number, American Express will not provide , and later a representative admitted/confirmed they did not actually send the document. XXXX XXXX stated it was sent on XX/XX/XXXX which is an outright lie based on his collegues responses and the lack of receipt by XXXX XXXX XXXX ( Fax XXXX and fax XXXX ). This has taken more than a month and 20+ calls both banks/, this is despicable and they are holding on to {$4300.00} of my money and I have no way to return the funds or return custody. The bank will not cooperate and has repeatedly lied about sending required documentation for XXXX return of funds, as well as UDAAP concerns and repeated lies. 


Also UDAAP concern : When speaking with representative of company XXXX XXXX XXXX Fraud department, I requested to speak with a manager, XXXX said he would have manager call me, this was a outright lie and I never received a call.
Product: Debt collection

First of all they are calling my place of employment. The messages left are recorded stating they are going to contact my Human Resource Department to take proper action on this matter. I called back several months ago, they are trying to collect a debt on a balance that was discharged over 11 years ago. I asked them to send me paperwork that showed the balance is mine. They could not even tell me if it was from a credit card or a store credit or a definite place this balance was from. They just wanted me to agree to a payment arrangement. I told them I could not do that untill they sent me the paperwork that backs up their claim. Until this date I have not received anything in the mail, however the calls have not stopped. 
They come from a local number and to mask their identity. They never gave me the name or address of the company either.
Product: Credit reporting 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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I lost my phone at the mall on XX/XX/2022 around around 5 something ish, I had my phone in the fitting room at XXXX since thats the last place I saw it at. My last purchase was from XXXX at XXXX. Anyways as I was checking out, I dont think the lady at the cashier gave me back my debit card since I couldnt find it when I was XXXX talking to the bank. My XXXX XXXX and my XXXX was still connected when I was walking out XXXX when I got a notification from cash app saying you tried to add {$1000.00} but was decline. I pause for a min and said what. So at the moment Im looking in my person and shopping bag for my phone and at that moment I realize I lost my phone. The phone that I lost is a XXXX XXXX XXXX redXXXX I stored all my pins and passwords in my notes because sometimes I forget my log in information. So the person try to add {$1000.00} again and I guess my bank decline it. So they kept trying until my bank was able to let them added money. So they tried for XXXX $ and another XXXX $ and I knew at that moment there was no way to turn off my card because I didnt have a phone to call them. So I immediately rush to the car to charge my phone well my sister phone and made the call to my bank and told and explain to them what happen. They told me to file a police report and I did just that. I showed the officer the person who sent themselves money using my card and they said it was a fraud and not a real person. So chime my bank couldnt do anything until my transaction are not pending anymore. Finally Monday came by I called them up and told them to start the dispute and they told me they did and wait to hear back from the dispute team. The next day I check my phone they close my case because they said I dont have enough evidence to show it wasnt me. When I have a police report and the whole person name and everything who sent money and Im kind of upset because they didnt even look though my case fully just automatic say nothing wrong and close case. A normal bank would say we get back to you with 3-5 days not a day would take. This bank doesnt protect anyones money. Any bank well lock someone card if the money or anything is over the limit. So Im want to file a complaint against this bank and take them to court.
Product: Credit reporting or other personal consumer reports

ACCOUNTS HAVE INACCURATE ADDRESS & SOCIAL SECURITY NUMBER. 

REQUESTED INACCURATE INFO TO BE REMOVED OFF MY CREDIT.
Product: Credit reporting

On XXXX XXXX, 2015 I attempted to purchase a 3 in 1 credit bureau report & FICO scores from XXXX for {$39.00}. I tried to authenticate but I got an error message saying I was not able to do so at this time. Error message said my order did not go through, my application for 3-in-1 credit report & FICO scores has not been accepted because there is a problem with the service, and my card has not been debited. Not understanding what the problem could be, I attempted the order process two more times to no availXXXX times receiving the same error message and reassurance that my card has not been debited. Low and behold, my card was debited for each of the three unsuccessful attempts, at {$39.00} a piece, yet I still have no 3-in-1 credit report nor FICO scores.