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

I have been sending requests to Equifax since last year and I'm not receiving responses from them. I have proof they received my letters for an investigation and I'm not hearing anything. I attached the notice of it being delivered. This is a blatant violation of my rights and I shouldn't have to continue to have a hard mark on my record because they didn't complete their investigation.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submtted a dispute via certified mail to Experian, XXXX, and XXXX regarding a violation of 15 U.S. Code 1681e ( b ) on a reported item XXXX XXXX XXXX XXXX- Account # XXXX. All companies responded that the information was verified with XXXX and accurate. This can not be accurate as different amounts, dates, and information are being reported to different credit agencies. I also sent a certified mail validation and verification letter to XXXX XXXX XXXX XXXX  on XX/XX/XXXX. On XX/XX/XXXX XXXX sent me a letter stating all information is being reported correctly to the credit agencies. This can not be accurate as different amounts, dates, and information are being reported to different credit agencies that are claiming they have verified these items with XXXX. On XX/XX/XXXX XXXX sent me a letter stating that they do not fall under the FCRA as they are not a debt collection company and that they are reporting information based on their files. XXXX can not be reporting accurately as different amounts, dates, and information are being reported to three different credit agencies that are all claiming they have verified these items with XXXX On XX/XX/XXXX I received another letter from XXXX stating they have investigated the matter again and have found they are reporting accurately to the credit bureaus. Also that they consider the matter resolved and wiull not respond to additional inquiries unless new information is provided. As stated before they can not be reporting accuately as three different credit agencies are reporting different information. After each dispute one of the agencies will either remove the information all together or not at all instead of removing the item for the violation. On XX/XX/XXXX XXXX sent me a letter stating that they would not process my dispute due to identification issues ( CFPB Complaint # XXXX ). On XX/XX/XXXX XXXX sent me a letter acknowledging receipt of dispute and a copy of my credit report but did not process the dispute nor update me. They did however " update '' information on my credit report. If the creditor is reporting information to these agencies then why are they reporting inaccurately or removing just the disputed information and not the item itself? Also, if XXXX is allegedly reporting the same " accurate '' information then why does each agency possess different information for the same items?
Product: Checking or savings account

On XX/XX/2020 5 transactions were fraudulently done on my Chase Bank Visa debit card. All the transactions were sent to XXXX Transaction 1 : XXXX transaction 2 : XXXX transaction 3 : XXXX transaction 4 : XXXX transaction 5 : XXXX These were not authorized by me or any member of my household. Chase bank will not give me any details as to how this was verified and will not validate these as fraudulent transactions.
Product: Credit card or prepaid card

Summary : This is a complaint against CitiBank/CitiCards, the administrator of the BestBuy credit  card. I was unable to dispute two {$10.00} fraudulent charges because they indicated that they could not verify my identity. I closed the account as a result, but the two fraudulent charges remain. 

I have been a BestBuy cardholder through CitiBank since XXXX. I have never had as much as a late payment on my account. On Thursday XX/XX/XXXX, I received several alerts that my card had been used to make several large purchases that I did not make. The purchases totaled over {$1000.00}. I live in Michigan and these transactions were conducted in Texas. The perpetrator was attempting to pickup the items at a store in XXXXXXXX TX. 

I immediately cancelled the orders on BestBuy.com and then called the Fraud number to dispute the charges and report the card as stolen. I logged in again the next day and identified 2 more fraudulent transactions ( see screenshot below ). Since the card had been closed, I was no longer able to cancel or dispute the charges online so I called the same number and they told me that they could not verify my identity. I thought I would be able to get registered online again once I received my new card, but I was unable to. So these charges still need to be cancelled ; I officially disputed the charges as of XX/XX/XXXX, well within the regulatory requirement for consumers to report unauthorized transactions. 

I called CitiBank/CitiCards customer service on XX/XX/XXXX to get assistance with activating the replacement card and registering online. They once again told me that they could not verify my identity. I feel as though I was being treated like a criminal, but the actual criminal would have gotten away with huge purchases if I didn't catch it myself. After being unable to help me, I ended up asking the rep to close the account. 

It should have been relatively easy for the fraud department to determine that my account had been taken over by a fraudster simply based on my phone number, address, prior purchase history locations, etc. The email address and store location used by the fraudster were both different from anything aligning with my history. I never made any attempt to change the existing address, phone and email information which would have been a red flag. I am still not sure why this was handled so poorly by such a large financial institution.
Product: Credit card or prepaid card

Hi, About 6 months ago, after many phone calls, I was assured my Barclays Account Ending : XXXX have been closed. 

Barclays does not allow card holders the option to close their account online like other credit card companies. 

I was surprised to received an email from Barclays Card an " Account Alert : Your weekly snapshot '' today, XX/XX/2021.
Product: Credit reporting or other personal consumer reports

i was a victim of identity theft. These accounts do not belong to me. and i have no knowledge of them. i have filed an official report that i will attach. i have also filed complaints with all companies and parties involved. Also attached is all current and up to date information Following accounts not Mine : XXXX XXXX Account number : XXXX Date opened XX/XX/XXXX Highest balance {$11000.00} XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Highest balance : $ XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Account XXXX XXXX Account number : XXXX Date openedXX/XX/XXXX Past due amount {$1000.00}
Product: Credit reporting or other personal consumer reports

Re : Personal Information Update Request & Investigation of Potential Identity Theft Dear Agency, I am writing to formally request the immediate removal and update of certain personal identifiable information from my credit report. Despite multiple previous requestsvia written correspondence, phone calls, and online submissionsmy personal information has not been corrected. Furthermore, I have discovered significant discrepancies across my credit reports from TransUnion, Experian, and

Equifax, which raise serious concerns regarding potential identity theft. I. Request for Deletions/Updates Full Legal Name : Please ensure my full legal name is displayed as XXXX XXXX only.

Address Update : Delete all outdated and irrelevant addresses from my credit report.

The only address to be included is : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX I can not receive mail or any correspondence at outdated addresses, and I have no access to them. Phone Numbers : Please delete all phone numbers currently listed in my report. Social Security Number & Date of Birth : For privacy reasons, remove my Social Security number and date of birth from public display on my credit report. Employer Information : Delete all information currently listed under the " Employer '' section of my report. II. Inconsistencies Across Credit Reports Upon reviewing my credit reports from
TransUnion, Experian, and Equifax, I have observed the following discrepancies that strongly suggest potential identity theft : Account Number Discrepancies : The same account number appears differently across the three bureaus, raising concerns that unauthorized individuals may be altering or misusing my information.

Payment Status Inconsistencies : Discrepancies exist in the reported payment status, indicating possible errors or fraudulent activity from transactions I did not authorize.

Address Variations : The addresses listed across the three credit bureaus do not match, suggesting that unauthorized parties may be using my information at different addresses.

Employer Information Variances : Inconsistent employer data across the reports further point to potential fraudulent attempts to link my identity to unauthorized accounts.

III. Data Breach Impact & Failure to Protect My Information I was involved in a data breach with XXXX XXXX XXXX, which resulted in my personal information being compromised. As a result, fraudulent accounts were opened in my name. Despite repeated requests to update my personal information and to place fraud alerts, the credit bureaus have failed to act, leaving me vulnerable to further fraud.

Additionally, each credit reporting agency has refused to provide the method of verification for disputed accounts, violating my consumer rights under multiple laws, including but not limited to : 15 U.S.C. 1681i ( a ) ( 6 ) : Failure to provide the method of verification.

15 U.S.C. 1681c-2 : Failure to block fraudulent information upon request.

15 U.S.C. 1681b ( g ) : Failure to properly safeguard my personal data.

15 U.S.C. 1681s-2 : Failure of data furnishers to ensure accuracy in reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to File a complain on Transunion for Violation of the FCRA I HAVE ASKED THEM MORE THAN ONCE TO INVESTIGATE INCORRECT ITEM ON MY CREDIT REPORT BUT THEY ARE NOT FOLLOWING THE FCRA RULES XXXX XXXX ACCOUNT 'S ARE REPORTING WRONG ACCOUNT NUMBER I WANT THESE 3 ITEMS REMOVE FROM MY CREDIT REPORT ASAP FCRA STATES THAT ALL INFO ON A CONSUMER REPORT NEEDS TO BE REPORT 100 % ACCURATE AND THESE ACCOUNTS ARE NOT I WANT THEM REMOVED TODAY!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number - XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th 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 alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance {$170.00} XXXX XXXXXXXX Balance {$2000.00} XXXX XXXXXXXX Balance : {$7600.00} XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$170.00} XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$7600.00} XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

XXXX ( hereinafter " XXXX '' ) stated that on XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, wife and husband ( hereinafter " the XXXX '' ) took out a loan with XXXX. ( open " XXXX Attachment '' ). To secure repayment, the XXXX executed a Mortgage with XXXX as nominee for XXXX, which was recorded in the EXECUTIVE BRANCH OFFICE OF THE FEDERAL STATE OF HAWAI'I 'S BUREAU OF CONVEYANCES as Document Number XXXX. ( open " XXXX Attachment '' ). Shortly thereafter in XXXX, XXXX claims and states that it sold its loan to COUNTRYWIDE HOME LOANS, INC. ( hereinafter " CWHL '' ). ( open " XXXX and XXXX Attachments '' ). BANK OF AMERICA , NATIONAL ASSOCIATION ( hereinafter " BANA '' ) hired XXXX, HI, XXXX, XXXX, to fabricate two " ASSIGNMENT OF MORTGAGES '', dated XXXX XXXX, XXXX and XXXX XXXX, XXXX, from BANA to BANA. ( open " XXXX and XXXX Attachments '' ). CWHL ships a " NOTICE OF ASSIGNMENT, SALE, OR TRANSFER OF OWNERSHIP OF MORTGAGE LOAN '' to the XXXX, with a Notice Date of XXXX XXXX, XXXX, stating that the Loan was transferred from XXXX ( hereinafter " XXXX '' ) to BOFA MERRILL LYNCH ASSET HOLDINGS, INC., on XXXX XXXX, XXXX. ( open " XXXX and XXXX Attachments '' ). BANA fabricates another Notice by now claiming to be the Creditor on behalf of BOFA MERRILL LYNCH ASSET HOLDINGS, INC., with a Notice Date of XXXX XXXX, XXXX ( open " XXXX Attachment '' ), without shipping a new and updated " NOTICE OF ASSIGNMENT, SALE, OR TRANSFER OF OWNERSHIP OF MORTGAGE LOAN '' to the XXXX Attorney FULFILLING THE LAW CENTER ( hereinafter " XXXX '' ), between the dates of XXXX XXXX, XXXX until today dated XXXX XXXX, XXXX. This reveals and uncovers that the left hand does not know what the right hand is doing. BANA assigns an " ASSIGNMENT OF MORTGAGE '' to itself, and then places itself in another " NOTICE OF ASSIGNMENT, SALE, OR TRANSFER OF OWNERSHIP OF MORTGAGE LOAN '' from FANNIE MAE to BOFA MERRILL LYNCH ASSET HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute on my student loans ( XXXX ) with XXXX and will be doing so with the other credit bureaus. They did not fix the issue. I was still in college in XXXX and graduated in XX/XX/XXXX. XXXX reported that a late payment in XXXX which I was in a grace 6 months after graduating and reported several in XXXX. I was in forbearance in XXXX as my mom had XXXX and even shows on their own documentation that I was in forbearance in XXXX. XXXX did not fix this issue and when I called XXXX they said they seen this but I would have to dispute it with the credit bureaus. It's ridiculous that I even have to do this to get this off of my credit report. XXXX made a lot of mistakes and has been sued for those and this is one of their mistakes that needs corrected. If I have to get an attorney to get this fixed I will. It says right on the paper work from XXXX that I was in grace and forbearance during these times. I will also being sending this complaint to the Department of Education and some other folks to look into this. 

Grace- XXXX Administrative Forbearance- XX/XX/XXXX through XX/XX/XXXX Administrative Forbearance- XXXX XX/XX/XXXX Admin Forbearance - XXXX XX/XX/XXXX Disaster Forbearance XXXX Voluntary Forbearance XX/XX/XXXX - XX/XX/XXXX
Product: Debt collection

I found a collections account on my credit report from Credence Resource Management. XXXX said the debt began XXXX of XXXX, and is from XXXX XXXX XXXX. I called XXXX and they do not have an account under my name. I called the collections, Credence Resource Management, and they also do not have an account under my name. However, they are reporting it to both XXXX and XXXX and it is negatively hurting my credit. I believe either the collections agency is trying to collect a debt I do not owe, or they have the wrong person. Either way, they refused to take the collections off.
Product: Credit reporting

My application to XXXX XXXX for a credit card was declined and the stated reason was " Bankruptcy on Credit Report '' and the report was stated to have come from Transunion. My credit report as supplied to me by Transunion does not show a bankruptcy therefore they will not let me dispute anything but XXXX XXXX are adamant that the report supplied to them " has bankruptcy related information ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, XXXX said ANY card. The credit card is my XXXX XXXX card. This is the credit card I used to originate the consumer credit transaction below.
Product: Mortgage

Ocwen Loan Servicing illegally reported me as deliquent or has lied to you about reporting me deliquent to hold hostage my insurance, they have violated my privacy under Gramm-Leach-Bliley by not safeguarding my private information, based under GLB Under the Safeguards Rule, financial institutions must protect the consumer information they collect. They are in clear violation and I intent to file a lawsuit and request a fine be imposed on them to the fullest extent of the law. They are also actively practicing unfair Deceptive and Abusive Acts in violation of 940 CMR 8.0
Product: Credit card or prepaid card

I opened a Fidelity Rewards Visa Signature credit card from XXXX, but in these latest two years, I didn't use it. This XXXX, I received a call from this credit card company, and they told me that I owe them {$180.00}. I'm so confused about this money because I didn't use this card for a long time. They told me I was charged {$25.00} on XX/XX/XXXX, and I didn't pay the bill, including all the late fees and interest. I owe them {$180.00} in total, and they also closed my account. I lost all the reward points earned at this account. I talked to them. I haven't used this card for a long time. I didn't know why I was charged and why I have to pay this money. In the end I still paid the money because if I don't pay, they'll keep charging the late fees and interests. At the same time, I also filed a fraud case. About a week later, they found out that the {$25.00} charged on XX/XX/XXXX was fraudulent. They agreed they would refund me {$180.00}, but they can't reopen my account. I had about XXXX points in that account, and I would lose about {$1200.00} if my account can't be reopened. I believe it's all due to miscommunication. I didn't even know there was a fraudulent charge on this card since I didn't use this card for a long time. 

By the way, I also found that some of my rewards points were expired. The Fidelity Rewards Visa Signature credit card I used is described in the following webpage : https : //www.fidelity.com/cash-management/visa-signature-card It clearly states, " Every eligible net {$1.00} spent equals 2 Reward Points. No limits on total Reward Points and no restrictive categories, Reward Points will not expire ''. I was never told that the reward points would expire and there wasn't any place I've seen that indicated that the points would expire, so I never thought of checking my rewards status. Recently, I checked my statements and realized that there are only XXXX points left in the account, while my record showed on XX/XX/XXXX that there were still XXXX points in the account. and I never redeemed the points since the card webpage said " Reward Points will not expire ''. 

I hope they can reopen my account with all of my reward points reinstated.
Product: Credit reporting or other personal consumer reports

UNKNOWN MEDICAL INQUIRY MODERN HEALTH RECIEVED MEDICAL HEALTH RELATED SOLICITATIONS AFTER THIS CREDIT INQUIRY UNKNOWN INQUIRY XX/XX/2024 XXXX *FRAUDULENT CREDIT INQUIRY* FAIR CREDIT REPORTING ACT VIOLATION
Product: Credit reporting or other personal consumer reports

Sent out debt validation never received any Response Regarding XXXX XXXX XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt 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 reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Request for Immediate Removal of Unverified Charge-Off Account from Credit Report Dear CFPB Representative, I am writing to formally dispute and request the immediate removal of an unverified charge-off account from my credit report. The account in question is : Disputed Account Details : Creditor Name : COMENITYCB/ULTA Account XXXX : XXXX Status : Charged off with a balance of {$1500.00} ( now reporting {$0.00} balance ) On XX/XX/year>, I sent a certified mail request to COMENITYCB/ULTA, requesting a copy of the 1099-C Cancellation of Debt form associated with this account. They have failed to provide this documentation within the legally required 30-day timeframe.

Reason for Immediate Removal : 1. Failure to Provide Required Documentation : The creditor has not supplied a 1099-C form, which would indicate that the debt was canceled and should no longer be reported.

2. Violation of FCRA and FDCPA : Since they did not verify or validate the debt within 30 days of my certified request, continued reporting of this charge-off is unlawful and must be corrected.

3. Failure to Report Correctly : If a 1099-C was issued, the account should be marked as canceled with a {$0.00} balance. If no 1099-C was issued, the reporting of this charge-off as an outstanding balance without proper verification is misleading and unfair.