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

It has come to my attention that my credit with you may have been compromised. Despite submitting an FTC fraud report XXXX XXXXXXXX, it appears that you have failed to remove items from my credit file. As a victim of identity theft, I am once again requesting the removal of inquiries resulting from alleged identity theft. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are obligated to remove such items within four business days after XX/XX/XXXX. This issue was previously raised in my complaint and is reiterated here alongside my new FTC report XXXX  XXXX. Additionally, the information provided regarding these inquiries is unfamiliar to me and has already been removed by other bureaus, casting doubt on its accuracy. Please remove the following inquiries resulting from alleged identity theft : -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to remove these listed inquiries will result in legal action. My attorney is fully aware of my intentions and is prepared to hold you accountable for noncompliance. This serves as a final warning.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX TX XXXX  Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Dear Sir/Madam I am writing to formally dispute the following inquiries listed on my Experian credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that these inquiries be investigated and removed from my credit report immediately as they are inaccurate and unauthorized. I have not authorized any of these entities to inquire into my credit history.

According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or unauthorized information on their credit reports. I am exercising my rights under this law to ensure the accuracy and integrity of my credit report.

I request that you provide me with written confirmation of the removal of these inquiries from my credit report.

Please acknowledge receipt of this dispute letter within 30 days and inform me of the steps being taken to resolve this issue. I appreciate your prompt attention to this matter and look forward to a favorable resolution. 

Sincerely, XXXX XXXX
Product: Credit card

Several items in dispute are not resolved with Total Card inc, numerous complaints have been filed against them and nothing done/resolved. The XXXX ( XXXX ), Attorney General of South Dakota, South Dakota dept of banking, have all unresolved complaints against them. Their rep, XXXX XXXX, claims the findings of their investigation were provided to me which is not true. The last information reported to me is the items were charged back to the companies, according to XXXX in fraud. I have heard nothing since. Again, no findings were reported to me because they were not investigated. XXXX was advised XXXX of the companies, XXXX, did issue credit then recharged the account for the same amounts credited. As for the amounts of XXXX both from XXXX XXXX, XXXX was also advised that product/service was not received for either transaction. She stated all charges would be charged back to the companies, this is the last bit of information I received. I wish to reiterate, I was NOT provided any results of findings as again, they were not investigated beyond the point of charge back. it appears XXXX XXXX response is a carbon copy of her last response to the Attorney General complaint, which is also unresolved. She did not state what supposed findings are, just that they were supposedly communicated to me. She further stated I agreed to close the account, which is true, but did not agree to drop any remaining or pending disputes. It appears Total Card is implying they are no longer required to dispute the items further since the account is now closed, XXXX will be notified of this. The credits she refers to are for another disputed item, XXXX from XXXX at XXXX XXXX. This is an incidental deposit for a hotel stay, there was a disagreement over supposed charges made to the room ( s ). The other credit, XXXX, brought the account to XXXX. Please note, these credits were not accepted as matters resolved for the disputes mentioned previously, they do not cover the total charges in the amount of XXXX. As stated in previous complaints, Total Card does nothing to dispute any charges, just a pointless XXXX way conversation with merchant that goes nowhere. Obviously, I would not dispute items unless I already attempted to resolve them directly with merchant, the first step in a dispute process. Please do not mark this as duplicate, the issues are not addressed or resolved.
Product: Money transfer, virtual currency, or money service

I cashed a check through the Chime mobile Application. On XX/XX/XXXXXXXX XXXX XXXX  cashed the check but money was never in my account. Chime uses stride bank to cash checks. I called Chime they told me they returned the check to the issuer because of stop payment. I called the issuer of the check and they never received anything back regarding the check from chime. The person that issued the check got on the phone with Chime and they couldn't give an specifics or answer any questions all they said was the check was returned. THe funds are now missing and no one has any answer on where to find them.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau CFPB, the required document and a letter from an advocacy group assisting me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to Trafficking Debt Final Rule 1002.142b4 5 1002.142b7. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXXXXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts : DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX  XXXX DEPTEDXXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX  XXXX DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX {$410.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$58.00} XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX The following inquiries are unauthorized. XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX 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 Please remove these items from my credit report within four business days per the 605C of the Fair Credit Reporting Act Thank you for your prompt attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my right under 15 USC 1681 section 6o2 a, States I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified XXXX XXXX on XX/XX/2022 that they are furnishing information to all three consumer reporting agencies that I have given them no written instruction to do so. By furnishing this information to the consumer reporting agencies XXXX XXXX is violation my right to privacy as a consumer. I have the right as a consumer to opt out of any information being reported to the consumer agencies and XXXX XXXX never provided the disclosure informing me of that information nor did they give me the opportunity to opt out before disclosing this information to a nonaffiliated third party. Below I will provide the law! 
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Mortgage

COMPLAINT ID XXXX Follow-up from the above complaint. Unfortunately had to reopen with the complaint since the previous complaint was closed. 
I ended up Pain patient Bank of America XX/XX/2020 {$490.00} to close out my HELOC and issue a release of Lein. 
I have not heard back from them and it takes close to 2 hours to get through to a customer service representative who does not help anyway. I do not know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 USC 1681 Section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I just received a debt collection letter from First National Collection Bureau inc trying to collect a Credit Card debt from XXXX. I don't have an account with XXXX I've never received a bill from them, I've never applied for a XXXX, nor have I gotten a bill via email from them. This is the first thing I've heard of this debt. I sent them a letter today as instructed by their office stating that this debt wasn't mine and I wasn't responsible for it. Also, this is the third complaint I've reported to the FTC about identity theft.
Product: Student loan

On XX/XX/XXXX I called to increase my auto payments to {$300.00} per month. They wouldnt do it. They said to just over pay. I asked them again to increase payments but refused. 

On XX/XX/XXXX I got an email stating my account is in forbearance and all of my auto payments are cancelled.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Vehicle loan or lease

XX/XX/XXXX someone purchased a car in my name at Carmax in XXXX OH. 

XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX # XXXX $ XXXX XXXX Bank approved the auto loan. Fraud contact is XXXX XXXX ext XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint against ChexSystems. I was notified by two financial institutions that there was a fraudulent attempt to open a deposit account in my name. I placed a Fraud Alert with ChexSystems. I subsequently attempted to obtain a copy of my ChexSystems report on line. After two failed attempts I called the number proved to talk to customer service. The number published by ChexSystems does not provide customer service. I called two different numbers listed by ChexSystems and was advised the number was only applicable to activating their monitoring product. They had no idea how I could speak with a customer service representative regarding my report. I downloaded the ChexSystems Request form to obtain my report. and mailed it to the address provided on the form. I received a response on XX/XX/XXXX, XXXX which was merely disclosures and a security alert request form. I did not receive the requested report. This unfair and deceptive in that ChexSystems customer service numbers, XXXX and XXXX, do not connect you with a customer service representative that can answer questions and submission of the report request form does not result in providing such form. I have attempted to attach a copy of the request form and response, but they exceeded the memory limit.
Product: Money transfer, virtual currency, or money service

Three months ago in late XXXX which is the time after graduation, I received a call from XXXX saying that they found out there is a phone number under my name that keeps sending fraud messages, in order to keep my personal credit, I need to prove that this is because someone is using my information to register that phone number. So she connected my call to a XXXX police, who is a scammer. And the police initially pretended to help me with the phone number, and he also make another call for the upper office to see if there is any other card under my name. And the upper office says Ive been involved in a secret international money laundry case, where someone stolen my information and there are already victims sending money to my XXXX  XXXX XXXX bank account. So the police asked me to download XXXX and show me his police number and card and he send me some case information. He asked me to report my safety to him every several hours and not allowed to go outside. 
After several days, there is another person who pretend to be the Attorney general, he said he need to arrest me for 90 days to gather information and evidence until approving my innocence. So I was totally panicked, and they send a file XXXX which contains my past driving license and also my past hotel living history and travel history. So I was totally shocked The police said that from his perspective Im a good person and hes willing to use his job as an insurance for me to stay in US until the case being closed. 
But for that, I need to put some money in the XXXX XXXX bank for approving that I will not escape. So I transferred XXXX dollars for the first time, and they asked me to report 2 days before if I want to go outside. 
After several days, they said the victims are so angry why I dont need to go back to XXXX to solve this, so they raised a case upon me, in order to prove to them that I dont have that intention, I will need to further prove XXXX dollars and once the case is over the money will be send back. 
Tracing back this is a huge lie but I was too shocked and dont dare to tell anyone because this is a secret case. And they asked me for the final XXXX dollars for the lawyers fee. I was a little bit scared and dont dare to tell my parents since they provide the first two rounds of money and for the last round I use my salary and some money borrowed. I was so desperate like several weeks ago. 

The scammer 's phone number is : XXXX XXXX I already file a claim to Bank of America about this fraud and my claim number is : XXXX. 

Also the FBI and XXXX local police and XXXX police. 

Please help me I really really need your help really, I feel so hopeless and don't know how to live right now. 

Please help me with my bank please
Product: Debt collection

I paid my loan and they still have other ones on my report that I have no knowledge of
Product: Mortgage

So back in XXXX of 2022 we were coming out of forbearance. Upon getting everything ready to restart payments we were offered 2 options. Option 1 was an increase in our interest rate ( 6 % ) and our payments would move up {$300.00}. The second option was to keep our interest rate the same ( 2.25 % ) and resume our normal payments which were {$300.00} lower. I declined option 1 because it didn't make sense to choose over the second option. The Representative at Freedom Mortgage let me know option 1 was declined and that they would be rushing option 2 's paperwork out to us. Once we received the paperwork, we contacted a mobile notary and had the paperwork signed. About a week later I received a second packet in the mail. I called Freedom Morgage right away to make sure I hadn't made a mistake. The representative assured me that the 2nd packet that was sent to me was the same packet as the first one and assured me of the agreed interest rate and payment. Come XXXX I went to log into my account to pay my mortgage and noticed I was a month behind, and my interest rate was at 6 %. Freedom Mortgage told me that a mistake had occurred on their end by sending me the wrong paperwork and they would escalate the situation. I continued to check up on this for around 4-5weeks. Eventually a manager told me to fill out the old 2.25 interest rate paperwork and they would try and have underwriting adjust the start date ( since it had passed ) Underwriting then told them they can't do that and that they would need to send me new paperwork out. So, they went to re-do the paperwork, a few weeks later, they called me to tell me I was approved again, for a 6 % interest rate. We are now back in escalations with Freedom Mortgage and have been told its going to be very hard to turn around. I do have a litigation attorney on standby.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have send a letter to Equifax asking them to REMOVE my fraud alert on XX/XX/2022. ( See letter attached ) Not only they did not REMOVE the alert they keep sending me that I am REQUESTING to add an additional year. 

My letter reads Cleary and I want my FRAUD ALERET to be removed immediately, not extended. 

I need help with this company ( Equifax ) actually removing my fraud alert instead of playing games sending me letters to extend it for another year.
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 XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a 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

I notified TransUnion, XXXX, and XXXX of unauthorized inquiries on my credit report. Since the creditors didn't have me authorization, written nor verbal. I ask the credit reporting agencies to immediately delete the inquires. I previously requested the creditors delete the inquires also, and was denied.
Product: Credit reporting or other personal consumer reports

FEB/DESTINY is on my credit account and I don't know why.
Product: Credit reporting or other personal consumer reports

In accordance with the far credit act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Acct Name : XXXX XXXX XXXX Acct # XXXX, Acct Name : XXXX XXXX XXXX XXXX Acct # XXXX, Acct Name : XXXX Acct # : XXXX, Acct Name : XXXX Acct # XXXX, Acct Name : XXXX Acct # XXXX Acct Name : XXXX Acct # : XXXX Acct Name : XXXX Acct # XXXX Acct Name : XXXX Acct # : XXXX Acct Nmae : XXXX Acct # XXXX Acct Name XXXX Acct # XXXX Acct Name : XXXX XXXX Acct # XXXX Acct Name : XXXX XXXX Acct # XXXX Acct Name : XXXX XXXX Acct # XXXX Acct Name : XXXX  XXXX Acct # XXXX Acct Name : XXXX XXXX Acct # XXXX Acct Name : XXXX XXXX Acct # XXXX Acct Name XXXX XXXX XXXX Acct # XXXX Acct Name : XXXX XXXX  XXXX Acct # XXXX Acct Name : XXXX XXXX XXXX Acct # XXXX Acct Name : XXXX Acct # XXXX Acct Name : XXXX Acct # XXXX Acct Name : XXXX XXXX Acct # XXXX 15 U.S.C 1681 section 602 A states that I have the right to privacy.

15 U.S.C 1681 section 604A section 2 : 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 take any report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crime with 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: Consumer Loan

about 3 years ago we borrowed XXXX dollars @ 25 % interest I have paid {$740.00} a mounth for 3 years and was sure it was about paid off.i called today and they informed my intrest was now 89 % I asked why I was not informed to which I got no answer this company is called cashcall in XXXX tx the original loan was with XXXX in California then XXXX now cashcall
Product: Debt collection

Hunter Warfield {$4400.00} XX/XX/2020. 
Disputed an error on the amount and nothing was done by company. The balance owed is {$2300.00}. 
They contacted my family members various of times even AFTER setting a payment plan with them.