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

On XXXX XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX  OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$96.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute this with   Equifax   multiple times to no avail.   Equifax   is reporting a  XXXX   XXXX  Foreclosure from  XXXX  is currently  XXXX  days past  XXXX . The home was foreclosed at a  XXXX  balance in  XXXX  which is reflected on the report. It is physically impossible for me to be  Currently  120 days late on a  XXXX  balance, and it shows it was never even 120 days past due on top of it! Based on the FCRA, they need to be accurately presenting my credit which they are not doing.     I escalated with  XXXX   XXXX  who spent a lot of time with me investigating each code they were sending to Equifax and stated they are reporting it correctly and I need to escalate back to Equifax because for some reason they are not mapping it back to my credit report correctly.  XXXX   XXXX  even had 2 physical humans working through the file on my behalf to ensure they were submitting the data correctly back to Equifax.     Equifax is stating all they can do is re-dispute instead of just fixing the status or removing it off the report. Both   XXXX    and  XXXX  have already fixed it on their system, but Equifax refuses to do so.
Product: Debt collection

This debit does NOT belong to me and was a result of ID theft. At the time this account would have been opened by my now deceased brother, who lived with me and had used my personal information to open several loans/credit cards. It was not until after my brother passed away in XX/XX/2018 did I learn of his fraudulent activity and clearly have no recourse now. 

I have submitted the proper ID theft information/report to the credit bureaus, but AD ASTRA RECOVERY continues to reassert the debt belongs to me. I have attempted to resolve this matter several times with the debt collector directly and even at one point I extended a settlement offer to resolve the matter directly and remove the account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB, Back about 18 years ago I was at sea and I was a victim of identity theft. I caught this when I returned from sea and after about XXXX months I was able to clear up this incident with the help of my local police in the town of XXXX, XXXX I have been a resident here since XXXX, the identity theft happened in XXXX. They used my information to apply for CC and other accounts but instead of using my correct address and employer ( XXXX XXXX XXXX, they use XXXX, XXXX and XXXX XXXX XXXX in XXXX, XXXX. Eventually, after at least a dozen credit denials, a mistake was made by either XXXX, Experian, or XXXX approved XXXX of the credit applications an thus updated my records to show I worked at XXXX in XXXX and lived in some abandoned house in XXXX, XXXX. Neither of this information was true and even though I had a police report about the identity theft, they would still would address my claims to correct their mistake. 
All attempt thru these agencies to try to remove this fraudulent information have gone unanswered all these years. 
I eventual gave up trying to get them to address their mistakes but thought after visiting this website, I would give it a try again.
Product: Debt collection

My employer has received a robotic collection call at the switchboard from this agency several times a month for over two years! This must stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE accounts listed below are fraudulent and are destroying my financial life ... I have submitted all the proper documentation to all 3 bureaus proving that these items are fraud yet the bureaus fail to follow the rules set forth by the FCRA section 605B when it comes to fraudulent accounts ... PLEASE BLOCK AND REMOVE these accounts immediately! 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia [ XXXX ] XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : US DEPT OF EDXXXX # XXXX {$140.00} XXXX XXXX # XXXX {$1200.00} XXXX XXXX XXXX # XXXX {$160.00} XXXX XXXX XXXX # XXXX {$720.00} XXXX XXXX XXXX # XXXX {$1000.00} XXXX XXXX XXXX # XXXX {$1000.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX   Fraud Victim Assistance Department XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : DPT EDXXXX # XXXX {$0.00} US DEPT ED XXXX XXXX {$0.00} XXXX # XXXX {$1200.00} XXXX XXXX XXXX   XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX {$1000.00} XXXX XXXX XXXX XXXX # XXXX {$720.00} Inquiries : XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX. XXXX  XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : DEPT OF ED/XXXX  # XXXX {$0.00} US DEPARTMENT OF EDU # XXXX {$0.00} XXXX XXXX # XXXX {$1200.00} COLLECTIONS # XXXX {$120.00} COLLECTIONS # XXXX {$720.00} COLLECTIONS # XXXX {$690.00} COLLECTIONS # XXXX {$130.00} COLLECTIONS # XXXX {$180.00} XXXX XXXX # XXXX {$310.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX GA XX/XX/XXXX
Product: Checking or savings account

I purchased tickets for the XXXX XXXX in XXXX for a show that was supposed to be held in XXXX. Due to the pandemic, the show did not happen, and they are refusing to refund tickets purchased. I purchased several other tickets for other events and they generously refunded all money, and I'm uncertain why this " business '' wont do the same. How can you steal from people, and not offer them the opportunity to decide what they want to do with their money? The matter in which this situation has not been handled is very unprofessional with them failing to respond to my calls and emails. It should not be their decision to decide for me to attend the circus if they ever reschedule, nor should they make me wait for a refund until they decide to do so. With this pandemic, I would not even feel comfortable being apart of this, and it's uncertain if anything with a large crowd will ever happen anytime soon. To be forced to wait until they figure it out is absurd and unethical, and I only want my money back. It definitely should not be a hassle or an issue in doing so. I also ran into an issue with my bank. I filed a claim through them and the money was refunded, or so I thought. Until I saw on yesterday, XX/XX/2020, that the claim was reversed. When I inquired about this to the claim department with Chase, they said it was over the 120 day time frame. I asked why would I be able to file a claim if that was the case, and why was this not told to me when the claim was filed in XXXX? They did not have an answer. They just apologized and reiterated that it would not be refunded and to contact the merchant. The merchant was the first to be contacted and they are not issuing responses at all about this. I just want my money back and it should not be this hassle with my bank or the merchant in doing so. Please advise. Thanks in advance.
Product: Payday loan, title loan, personal loan, or advance loan

The merchant that Greensky funded was NOT in good standing with the State of California Contractors ' Licensing board and Greensky should have never offered funding option to that merchant or to us. The merchant had multiple complaints against it, yet Greensky offered funding. Per Greensky merchant agreement, the merchant was to be in good standing at all times in order for Greensky to offer financing to consumers. Greensky failed in their due diligence to ensure the consumer was protected from fraudulent merchants. The merchant in question, XXXX XXXX XXXX XXXX XXXX, has had their license suspended and per the State of California Contractors ' Licensing Investigator, their license will not be placed in good standing, and they will never do business again. We as the consumer are now out of a warranty for the product. Greensky 's negligence has harmed us, and we are asking for a review of the account and a credit placed on our account for the warranty and product we did not receive/request. There are also still issues with the installation and we have no way of having it fixed through the merchant Greensky guaranteed. There are still multiple complaints pending against XXXX XXXX XXXX XXXX XXXX, including ours, with the State of California Contractors ' Licensing board.
Product: Credit reporting or other personal consumer reports

was a victim of ID Theft. There are accounts on my TRANSUNION Credit Report that are fraudulent and do not belong to me. I have already filed a FTC Report. The accounts are as follows : XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I did a wire transfer from my bank account in the amount of {$7700.00} to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX NJ XXXX. The wire transfer shows the beneficiary bank being Capital One NA of XXXX XXXX, LA with an ABA/RTN number. This wire transfer was suppose to been for a truck that I thought I was purchasing using XXXX. But have not been able to get in contact with the seller. I have spoken with XXXX which informed me that my offer was denied but was at some point the conversation was intruded and I began speaking with someone else that perpetrated as the seller.
Product: Mortgage

My Mortgage payment was submitted to Selene Finance  which is location is XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX in XX/XX/XXXX. XXXX to start my Trial Modification Plan. I have been making every payment on a timely base every month. Then my Mortgage payment was transfer to XXXX XXXX XXXX and I have still making my payments timely. I have requested from Selene Finance more than four times to please send me a copies of my 1098 for the following years XXXX, XXXX, XXXX, XXXX and XXXX. I was giving only XXXX, XXXX, XXXX and XXXX 1098 tax papers. I have called Selene many times please fax and hard copy me the missing XXXX 1098 tax papers so I can file my taxes and clear up this situations. Selene Finance is trying to tell me that I miss paying the whole year XXXX mortgage payments and this is why it missing. Then I was told I would get a copy though email and hard copy. I have been waiting since XXXX of XXXX and still have not received the information requested. I need this information to complete my income taxes so I can refinance my house.
Product: Credit reporting or other personal consumer reports

There is currently a {$2300.00} charge on a Best Buy credit card under my name that is attached to my XXXX  report. A credit card I personally have never inquired or sought after. I have called XXXX to put a credit lock and alert on my account for a year, and have called multiple banks ( including best buy ) who indicated nothing with my social has been opened. But, this is clearly false because on my credit report, there is a best buy charge, where it shows I opened up a line of credit ( someone else did, identity fraud ) that is clearly lowering my credit score and my identity is under threat.
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX we paid off our Bank of America HELOC loan. 

Based on our payoff statement we were charged {$540.00} in interest through XX/XX/XXXX. We paid off the loan early on XX/XX/XXXX. A Bank of America representative explained to us any overage would be prorated and refunded to us within 20 business days of the payoff date. We calculate the amount of interest overpaid as follows : 26 days ( XX/XX/XXXX XX/XX/XXXX ) x $ XXXX/day interest = {$440.00} credit due We have spoken to Bank of America on five separate occasions each time being put on hold for over 30 minutes at a time and being given varying explanations for why we haven't received our overage. They have never called us back, we've had to contact them each time and each time they have a different reason for why we need to call back, email them information they already have regarding our account, speak to a different department, etc. 

It has been the single worst banking experience we have ever had and we would never do business with BOA again or recommend them to others.
Product: Credit reporting or other personal consumer reports

I recently purchased A copy of my consumer credit report and learned that I have many unauthorized hard inquires hurting my consumer credit report. I did not authorize ANYONE to MIS-REPORT or fraudulent use my social security number for any purpose or matter without my written consent please have every inquiry removed immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information in violation hippa, cra file id theft and police report to XXXX police dept XXXX case number
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX i opened a Venmo account for the sole purpose to be able to pay a bill that was in my name. 
My wife added funds to the Venmo from her account to be able to make that payment. I attempted to make the payment but it was declined by venmo due to their daily transaction limit. I was then sent an email saying my account had been frozen and asking to verify my identity. Which i did. I then Did Not get a response from Venmo until XXXX of XXXX stating that my funds had been held and that they were now available to be transferred using a standard transfer in their app. However, the app would not allow me to add any bank account to be able to initiate that transfer. I spent months trying to communicate via email because they will not speak to you over the phone. On XX/XX/XXXX i received an email stating that my funds would not be able to be released to me due to a loss Venmo had incurred due to my transactions. And the email from XXXX was sent by mistake. On XX/XX/XXXX i received another email stating that my account had been adjusted so that i can Transfer my funds to a bank account. I was Able to add a bank account this time around and i initiated the transfer on XX/XX/XXXX for the remaining balance in the account which is {$4600.00}. That transfer was then canceled by Venmo the next morning with XXXX explanation as to why. On XX/XX/XXXX i received an email stating that they can not release the funds and their policy states they can hold them for up to 180 days and if they do become available for transfer i will Be notified. After many emails sent from me i finally heard back from Venmo on XX/XX/XXXX asking for more information and asking for me to respond to an email that i never Received. Then on XX/XX/XXXX i received another email saying that my funds were available for transfer. Once again i am unable to add any bank accounts to the account. I received an email from Venmo stating they had made adjustments to my account and gave me instructions to add specific bank accounts and initiate the transfer of my funds. I was Able to again initiate the transfer for {$4600.00} on XX/XX/XXXX With the estimated arrival of the funds to be deposited on XX/XX/XXXX. Within hours that transfer was canceled by Venmo. I sent 4 emails asking why this has happened and why this keeps happening. I received an email on XX/XX/XXXX stating that i will never have access to my funds in the account with no other explanation! I have since attempted to reach back out to them with no response. 

Venmos policy states that they can hold funds in an account for up to 180 days. We are now way past that limit. I have had my money dangled in my face 3 times over the last 10 months. With little to no explanation as to why. I dont Understand how this can even be possible for them to do to their customers!

Im really hoping this will finally help me resolve this issue once and for all. It has caused great financial and emotional burden for me and my family!
Product: Credit reporting

I had filed an dispute with TransUnion on XXXX, advising them that the statement they made on my credit report saying hard inquiries stay on my credit report for 2 years and 1 month is false. 
The statue states that hard inquries remain on a consumer credit file for 2 years. 
TrannsUnion never responded to my dispute. The following inquiries are on my credit report. 
XXXX XXXX : requested on XX/XX/XXXX, XXXX : requested on XX/XX/XXXX, XXXX : requested on XX/XX/XXXX, XXXX : requested on XX/XX/XXXX, XXXX : requested on XX/XX/XXXX and XX/XX/XXXX : requested on XX/XX/XXXX. 
TransUnion never responded to my dispute.