23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Between XXXX XXXX XXXX an individual named " XXXX XXXX XXXX stole {$1100.00} from my account in various smaller transactions. 
I contacted Fidelity bank through the debit card service number as soon as I noticed the unauthorized activity, which was either on XXXX XXXX XXXX XXXX Despite being assured an investigation was being started, I received no updates for days. 
On XX/XX/2024, I end up receiving two calls from Fidelity bank, XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Unfortunately, I was at work and missed the calls. They did not make any other attempt to contact me other than calling that one day. Days later, I received a letter in the mail stating my case would be closed unless I called the provided number. I immediately called but went to voicemail. 
Subsequent attempts to call on XX/XX/XXXX, XXXX, twice on the XXXX, and on the XXXX and days following, going into XXXX consistently went to voicemail. Despite all my efforts, I received no response. In the time between receiving the letter and unknowingly missing the calls, I attempted to contact the bank for an Update through their debit card service number multiple times, a worker told me they couldnt give me any update over the phone but that there was a letter in the mail that should contain information on my case resolution. ( referring to the letter stating my case was being closed ). Due to the lack of response from the number on the letter i resorted to contacting the debit card service number again, I was told to wait due to a backlog in the fraud department. I was told a call back can take up to a week and so I stopped calling, and waited for a call back as advised. I never received any call back. 
It is now XXXX, and there still has been no update on my case. The number still goes to voicemail, and I feel I've reached a dead end.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692, The only address I live at and that should be reported on my credit report is : XXXX XXXX XXXX XXXX XXXX, GA XXXX Addresses That needs to be removed : - XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, NY XXXX US DEPT ED - Account Number : XXXX DEPTEDXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX  - Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX - Account Number XXXX XXXX DEPTEDXXXX XXXX Account Number : 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I have sent numerous letters via Mail and have not had a response back yet.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies it states 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 have provide screen shots of inaccuracies and responses from the the credit Bureaus. I was still ignored and the inaccurate information is still on my credit report I have provided my government issued Identification so the process is not delayed
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian says on XX/XX/29 that investigation was complete ; however I sent additional docs showing that XXXX XXXX was included in a bankruptcy and should be reporting as current. It was included in a Chapter XXXX Bankruptcy, attached is the documentation show ing this information on page 36 of the attached documents showing this account.
Product: Debt collection

I was checking on my credit report and seen a collection from a " Source Receivables MNG for : XXXX '' of the amount of {$1700.00}. I never used XXXX for anything. I called the collection department at ( XXXX and spoke to XXXX and gave him everything he asked me for and couldn't find anything with my name on it. I was told to call XXXX and see what they say and have them to call him back after they settle the dispute. So I did call XXXX at ( XXXX and spoke to XXXX and he couldn't find anything either cause I didn't have a phone number to give them to look up my account which I didn't have no account to give them or a phone number. I gave them my name and still couldn't find anything either. So I called Source Receivables MNG and spoke to supervisor XXXX and gave him the same information I gave XXXX and still couldn't find anything either. So I call XXXX fraud department and spoke with XXXX and she was a very nice lady and really helpful. She file the complaint on her end and told me to file my complaint on this site. All i want is to stop this fraud on my credit report. I pay my bills and I don't need this on my credit report. I appreciate it if you can help me solve this problem. This isn't the first time I had a bad experience with fraud on my credit report. I never received any phone calls or letters, emails from this company that file on me for a collection.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXXXXXX  U.S. Bankruptcy Court Reference # XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Mr. Cooper has added a reserve to my escrow account. Ive requested repeatedly to remove it as per their analysis at no point in the next year will the escrow account actually become negative. And in the event it does, I can pay the lump sum to cure the shortage. 

Maybe instead of harassing me about refinancing with them ( which I would never do at this point ), they could responsibly service my current mortgage. 

I want the reserve removed from my escrow account. By refusing to do so, they are violating UDAAP as this will financially harm me, the consumer. Additionally their lack of action appears to be a violation of Responsible Servicing. I want the reserve removed and the escrow re-analyzed, effective with the XXXX payment. Removing the reserve will likely result in an overage which needs to be returned to me.
Product: Credit reporting or other personal consumer reports

I filed a dispute for incorrect information on my XXXX XXXX  I received an email from the XXXX XXXX stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my XXXX. I wasted money on mailing my XXXX XXXX. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account wasn't reported accurately. I know accounts can miss represent paid on time reporting. I had two late that was paid on time. The Consumer Reporting Agency has an obligation to report all information with complete accuracy. I have attached a copy of this complaint in XX/XX/year>. I'm now requesting you to investigate this account and update these payments to paid on time immediately. Thanks so much for your prompt action.
Product: Debt collection

XX/XX/XXXX, received 3 phone calls from phone number XXXX at XXXXXXXX XXXX, XXXXXXXX XXXX, XXXXXXXX XXXX and when I answered the third phone call a man claimed to be XXXX from IQ Data International. Was very harsh about needing to take out a loan to pay a debt or " bad things would happen ''. Was incredibly pushy and forced me to set up a phone call for the next day even though I said I had work. Talked to him the next day ( XX/XX/XXXX ) at XXXX XXXX and I got threatened with credit damage, never being able to rent again, and that my dad would also take a hit. Got a call again at XXXXXXXX XXXX  again ( XX/XX/XXXX ) and he said I am " refusing to pay debt '' because I couldn't get an exact day on when I could pay the debt when I was asking for an itemized bill I got told " that is not how this works and now we are going to do what we are going to do ''. Was told all calls are recorded so I know it will be on their files. When I asked what he was going to do he laughed and said " oh you will find out ''. Over the course of the last two days I have been called over 4 times and have had nothing but rude and threatening/ demeaning interactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several notices to ALL 3 Reporting Agencies as of XX/XX/XXXX and have YET to hear from ANY OF THEM. I sent other notices after and still NOTHING. This informatios is INCORRECT and hindering me from obtaining a HOME PURCHASE. It has been well over 30 and 60 days now.
Product: Money transfer, virtual currency, or money service

The following Transaction was part of a scam : XXXX XXXX -negative XXXX EUR XX/XX/2020 Money Sent Repeat this transaction Your recipient should have the money by XX/XX/2020. 
Paid with Cash VISA Card XXXX You'll see " PAYPAL XXXX '' on your card statement. 
{$250.00} Exchange rate {$250.00} USD = XXXX EUR XXXX USD = XXXX EUR Transaction ID XXXX Sent to XXXX XXXX  XXXX Details Sent to XXXX XXXX  XXXX EUR {$240.00} Fee XXXX EUR {$12.00} Total XXXX EUR {$250.00} This transaction was a complete scam and I never received the item paid for. The scammer created a fake XXXX account to trick me into buying something and I never knew how PayPal worked, to begin with.
Product: Consumer Loan

I have been the victim of financial fraud by a family member that was XXXX time for it. It has caused me many issues with my credit and personally. Many of the items that are on my credit report were part of the fraud and I am stuck with trying to fix it as best I can. I have worked for years with those that have allowed me to do so. Those that were unable to do so are the ones I am now trying to clear up and at least get them to show correctly on my credit report. This has been very frustrating as a consumer, so now that I have found this website, I am hopeful. 
Bank of America canceled debt on XXXX accounts. 
They also show " placed for collection '' instead of " canceled debt '' I received this XXXX for tax year 2013 for both accounts yet they still report it on my Bureau with differing amounts from the XXXX and although canceled, they still report it as a collection account instead of closed/canceled. It is canceled and I paid taxes on it in 2013. I do not seem to have any rights as a victim to get this corrected. BoA should not be allowed to both cancel it and report it open, I understand it will show on Bureau as canceled debt, but they should not be allowed to continue to show it as an open balance since they told the IRS it was cancelled. 
I am trying to clear up issues that were not my doing, but were in my name, my name and SS # were fraudulently used multiple times. Please help me in this matter, I can not seem to get BoA to willingly fix this issue that is clearly being reported incorrectly.
Product: Student loan

Navient Corporation, my l oan servicer, has not provided me with accurate information about income-based repayment options. Since I requested this option, almost 4 years ago when I became unemployed due to a lay-off, they have given me inconsistent information. The link they provided me to complete the application for my husband did not work. As such, this process has been delayed, and I have had to place my loans in forbearance. The balance on my loans has increased dramatically, by almost {$10000.00} since eventhough many of my loans are subsidized.
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 XXXX 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 Balance {$320000.00} XXXX XXXX XXXX XXXX Balance {$320000.00} XXXX XXXX XXXX Balance {$320000.00}
Product: Debt collection

Due to my personal information being compromised by the data breach, someone got a hold of my personal information open fraudulent accounts did not pay so the accounts where charger off, and sold to irrelevant debt collectors who are not licensed to collect debt in California!
Product: Vehicle loan or lease

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX MD XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Consumer Loan

I have applied for a loan through XXXX as part of the XXXX upgrade program. Two years in a row, Citizens Bank rejects my application. I have no debt and no issues with credit, and yet I am continued to be rejected by this bank for no legitimate reason and no explanation. I have given the bank XXXX different credit cards, so they can check my credit to no avail. They clearly have written an biased algorithm into their process through which I can not get any pass through.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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: Credit reporting, credit repair services, or other personal consumer reports

This is my SECOND 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently XXXX XXXX military XXXX oversea in a XXXX/XXXX XXXX   area. I submitted before XXXX all my information and during my XXXX Navient add to my credit report all 21 of my student loans was 90 days late and damaged my credit. I submit 3 times for them to reconsider because I was in a XXXX/XXXX XXXX area. I provided the information to them and still nothing has happen with my complaint to them. I have attached the application and letter from my commanding officer XXXX  my location and area operation.
Product: Debt collection

The week of XXXX XXXX, I called XXXX XXXX XXXX to pay to delete a {$490.00} debt on my credit reports. This debt is not mine and I have been trying to dispute it. The Name on the account is not mine and I believe steams from stolen identity, due to data breaches at XXXX XXXX XXXX XXXX or XXXX data breach. 

The rep on the phone tried to tell me to enter that the debt was mine, in order to move to a negotiating team who would talk to me about a payment. I told the rep multiple times that the debt is not mine, but they continued to tell me to put that it is to move on to a resolution to get it off my credit report. 

The debt is not mine and I would like to be taken off my credit report.
Product: Checking or savings account

I received a call displaying on Caller ID WELLS FARGO informing me of questionable transactions taking place in their system. They caller was familiar with my account balance, account number, and its link to XXXX XXXX and XXXX. This supposed Wells Fargo representative walked me through steps to prevent the transactions from taking place only to later realize those funds were being stolen from my business account. I instantly called the bank however I was on hold for XXXX which gave the transaction time to be completed. Had Wells Fargo not been slothful in my urgent matter, time would have allowed me to cancel the fraudulent transactions. 
I do not know of these individuals that has taken my funds. Please help me recover these funds.
Product: Debt collection

There are XXXX of the same account from XXXX collection for the same amount
Product: Checking or savings account

I am filing a complain with the CFPB regarding capital ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one had cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation rises concerns about customer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit card or prepaid card

On XX/XX/22 I opened a fraudulent transactions claim with Santander by calling their personal accounts customer service at XXXX for 2 fraudulent transactions on my Santander credit card : XXXX {$2.00} XXXX {$17.00} I informed the phone operator that I did a XXXX search on the transaction description : " XXXX XXXX XXXXXXXX '' and the search returned 2+pages of results flagging this as a known credit card scam, and that I was surprised Santander would let these charges through to begin with. I also requested that my credit card account be closed because this has happened before and I don't think Santander takes credit card security as seriously as other credit card companies. 

On XX/XX/22 I received a letter in the mail from Santander informing me that they had closed the investigation on the XX/XX/22 {$17.00} charge because no billing error had occurred, because documentation from the vendor proved I had authorized the charges. Additionally the letter stated I should contact the vendor directly for further details. It did not mention the XX/XX/22 {$2.00} charge. 

On XX/XX/22 I checked online banking and found that Santander had returned the {$17.00} charge to my statement. I called XXXX and spoke with XXXX in Disputes. I asked him how I could contact the vendor when 2+ pages of XXXX results indicated that this was a know credit card scam. Unbelievably, XXXX told me " you are providing new evidence that this was indeed a fraudulent charge by your XXXX search, so can you take a screenshot of your XXXX search and email it to us and I will open a new fraudulent transaction dispute. '' I told him that when I opened the fraud case I had mentioned this to the operator, to which XXXX said " a note was not made on the case with that information. '' At this point I wished him a good day and hung up. I would like to know what exactly Santander 's " fraud investigation '' consists of if not a basic XXXX search or a list of know credit card scams which I would assume they have. 

Thanks for your help with this as I did not know who else to contact.
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 XXXX  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 reporting, credit repair services, or other personal consumer reports

FCRA Violations; Not mine; Names, Addresses, and Accounts:

I XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX
XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Account name
XXXX
Account number
XXXX
Account type
Unsecured
Responsibility
Individual
Date opened XXXX

Account name XXXX XXXX
Account number
XXXX
Account type
Cell Phone
Responsibility
Individual
Date opened
XXXX



FCRA Violations; Never Late:

Account name
XXXX XXXX
Account number
XXXX
Account type
Credit card
Responsibility
Individual
Date opened
XXXX