23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I am a victim of identity theft, and an account was fraudulently opened with Discover Bank using my personal information, including my name, XXXX, and date of birth, on XX/XX/XXXX. The address and phone number used to open the account were not mine, and they belong to the thief. 

I am a XXXX citizen who has been living in XXXX for the past 13 years until I came to the XXXX for work on XX/XX/XXXX. At the time of the identity theft, I was not present in the XXXX and did not have any address here. I discovered the fraudulent activity after my arrival in XXXX, and since then, I have been disputing the fraud account with Discover Bank . 

I have submitted a Police Report, Passport Copy ( with stamp pages ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. for past years ( issued by XXXX XXXX and Border Protection ), my VISA status, and all possible documents to prove that it was impossible for me to open an account, receive a card, or make any transactions in the XXXX during that time. However, Discover Bank keeps denying my dispute, claiming that the account was opened with my information and that a statement was sent to the thief 's address. It seems like the investigator is missing the whole point that my ID was stolen and used to create a fraudulent account, and that Discover Bank sent the fraudulently made card to the thief 's address for illegal use. 

Timeline : XX/XX/XXXX : Called Discover Bank, advised to call collection agent ( Radius Global ) XX/XX/XXXX : Called XXXX XXXX, advised to wait for notice XX/XX/XXXX : Received a letter from Discover Bank, asking me to submit dispute by fax XX/XX/XXXX : Sent fax to dispute ( explanation letter, SSN copy, Passport, Police Report, etc. ) XX/XX/XXXX : Received a denial letter from Discover ; called to reopen the case and sent fax again ( same as XX/XX/XXXX ) XX/XX/XXXX : Received another denial letter from Discover ; called to reopen the case and was asked to submit passport stamp page XX/XX/XXXX : Sent fax ( explanation letter, passport stamp pages, US Gov documents, XXXX copy ) XX/XX/XXXX : Called Discover and confirmed the receipt of fax XX/XX/XXXX : Received another denial letter from Discover XX/XX/XXXX : Called Discover to reopen the case again.
Product: Debt collection

I realized XX/XX/2019 my husband had a judgement through Portfolio Recovery Associates LLC on a XXXX XXXX account. I paid the entire debt in full on XX/XX/2019. I have been requesting the associated documentation ever since. I have been told every day that I call it's in processing. I have called 3-10 times a week since XX/XX/2019 to request the satisfaction letter. It took me until XX/XX/2019 to get ANY sort of documentation that showed I paid the debt in full. I have been requesting the judgment be satisfied through the courts to close on a home I am purchasing. I have now filed via XXXX XXXX Court XX/XX/2019 in order to get this paper work I have now been requesting for 4 months.
Product: Mortgage

NAME OF MORTGAGE LENDER : NAVY FEDERAL CREDIT UNION CONTACT : XXXX XXXX, Resolution Processing Officer ( XXXX ) XXXX Ext.XXXX  XXXX, Loan Officer/Loan Package Processor ( XXXX ) XXXX ear Sir/Madam : I am an XXXX XXXX Veteran. I have applied in XX/XX/2021 to refinance my VA XXXX XXXX  loan with tNFCU. My loan was approved and scheduled for closing today, XXXX XX/XX/2021. The Escrow is being handled by XXXX XXXX XXXX XXXX in Texas. My property is located in XXXX XXXX XXXX, Utah. 

In spite of repeated requests for my lender, NFCU to send me copies of my Closing Documents, I was denied of my request.I was advised in writing that Loan Closing documents are not sent to Member-Borrower. 

On Monday however, ( XXXX XX/XX/2021 ), I received an email from First Am Escrow Asst. an email with 3 separate attachments consisting of Closing Documents. One attachment has approximately 142 pages of documents. On each page marked DO NOT SIGN FOR REVIEW ONLY. I am unable to read most of the documents because of the markings that covered words and numbers. 

By law, mortgage Consumers must receive the Closing Disclosure no later than three ( 3 ) business days before consummation of their loan. The forms use clear language and design to make it easier for consumers to locate key information, such as Terms of the Loan, Detailed Fees, Interest Rate, costs to close the loan, etc. The Deed of Trust is approximately a 15-page documents. It is so difficult for me to read the fine prints with markings on each page that read DO NOT SIGN FOR REVIEW ONLY!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th 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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

on XX/XX/year> my card was stolen and there was a transaction made in a foreign country for {$3700.00}. I was XXXX XXXX XXXX and did not report the transaction as I was made aware that it was a person living in the house. I tried to find this person and resolve the issue before reporting fraud, and when that didnt happen, I reported the transaction as fraud. Wells Fargo continues to deny the claim, and is not honoring their fraud protection services. Their claims department doesnt provide any substantial evidence for denial, and continues to be rude over the phone when I call. This issue needs to be resolved or i will be filing with the attorney general.
Product: Credit reporting

This is my second complaint against EWS. They continue to fail to provide me a copy of the negative information they are spreading about me. I filled out forms, requested my consumer file on multiple occasions. They refuse to respond. I demand a copy of my file.
Product: Money transfer, virtual currency, or money service

The company Zelle refused to reverse my transaction when I sent it to the incorrect recipient. On more than XXXX occasion in my personal and professional life. I had tried to verify the persons email and phone number before sending and once it was sent and not received Zelle did nothing to help me get my money back. 

I recall the dates being XXXX of 2022.
Product: Credit reporting or other personal consumer reports

I just recently looked at my Experian report on XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

We were effected by XXXX XXXX and XXXX offered us a XXXX month bereavement that would be added to the end of our loan. In XX/XX/XXXX, after already skipping XX/XX/XXXX and XX/XX/XXXX payments, we were informed that they made an error and we were not eligible for this program. XXXX demanded that we make-up the XXXX missed payments in full. We explained that we did not have the funds to do this since all the money was used to make repairs as a result XXXX. After the XXXX month forbearance, we started to make our usual monthly payments. However, the payments were and still are being applied to the previous months, thereby, making it appear that we have continually missed payments. As of last month, our credit report indicates that we have missed XXXX mortgage payments. To further complicate the situation, XXXX has transferred our loan to Seterus and they are also reporting ourpaymentsas missed. We have tried to resolve this matter with Seterus as well, however, each month we make a payment it is also being applied to the prior months. Thereby, making it appear that we are perpetually late and missing payments. The documents attached will show that we have never missed a mortgage payment with Seterus. Furthermore, we have had our mortgage with XXXX for close to XXXX years and the only time we did not make a payment to XXXX was during the forbearance which they authorized as a result XXXX and then reneged.
Product: Checking or savings account

I deposited a check from my XXXX XXXX policy for {$15000.00} on or about XX/XX/XXXX. Till this day Santander Bank has not released the funds to me because they claim the check is counterfeit. Meanwhile I am paying loan interest of 5.25 % on the {$15000.00} and it's been well over 50 days since I initially made the deposit. I have contacted the branch XXXX XXXX XXXX XXXX XXXXXXXX well over 10 times and spoke to the corporate office and they've given me nothing, but q run around answer regarding my deposit, and they have no time frame of when I will get my {$15000.00} back. Plus, they have since closed my account and not have given me my checking account balance of {$280.00} which makes it a total of {$15000.00} that they are robbing me of plus 5.25 % interest. I'm begging you to assist me in recovering my lost monies because I can't afford a lawyer to help me recuperate my losses. I am currently on XXXX XXXX XXXXXXXX and just got out of the XXXX XXXX XXXX XXXX after a 40 day stay period. 

Please do the right and noble thing and help me to recover my lost {$15000.00} plus interest.
Product: Credit card or prepaid card

I am a victim of identity theft and have been a victim of identity theft for over 25 years. Someone stole and used my Citibank Visa credit card account and made fraudulent charges using my credit card account. The balance on the fraudulent account is {$24000.00}. I want Citibank to not hold me liable for the fraudulent charges and send me a new card with a new account number with my credit limit of {$11000.00}. Under the Fair Credit Billing Act ( FCBA ) which is federal law, I cant be held liable for fraudulent charges and unauthorized use of my credit card and credit card number. Citibank is violating FCBA by holding me liable for fraudulent and unauthorized charges/transactions on my Citibank Visa credit card account.
Product: Mortgage

XX/XX/XXXX LoanCare, XXXX XXXX XXXX, XXXX  XXXX, VA XXXX charged our escrow account {$430.00} for our homeowner 's insurance premium, but they sent the payment to the wrong company. 

XXXX, XXXX we received a notice of cancellation from our insurance company ( XXXX XXXX ), so we contacted LoanCare to determine why they had not been paid. LoanCare identified the error they made, but they charged our escrow account a second time to send the payment to the correct company. Our escrow account is now short and our payment will increase by nearly {$45.00} on XX/XX/XXXX. 

We received a letter from LoanCare dated XX/XX/XXXX stating that the first company that incorrectly received the insurance payment had mailed the refund check payable to us, and we were instructed to mail it to LoanCare as soon as we received it, and by XX/XX/XXXX we have not received the refund. 

We have no idea who LoanCare sent the first payment to so we don't know who to contact to try to discover where our refund is. Additionally, we are unable to reach a human being at LoanCare to ask them to refund one of the insurance payments while they work on getting the refund back. We've called LoanCare, but the recorded message states that the call volume is too high, so we left our name and number, but no one has returned our call. 

Basically, LoanCare has stolen {$430.00} from our escrow account and refuses to refund our money, and now we will be punished a second time by having to make up the shortage in our escrow account by paying an additional {$45.00} in our mortgage payment.
Product: Student loan

I loved Earnest at first when I refinanced and consolidated my private student loans. The rate was good and experience fine. 

The bad parts come after my in-school ( for grad school ) deferment. My deferment extension was denied ( due to being in a business PhD and not law or medical school ). This should tell you XXXX things : XXXX ) the company has very poor risk management ( they are not able to deal with risk on a more granular level than if you will be a doctor or lawyer - making no use of publicly-available job and salary data ) and XXXX ) the customer service agents are inept ( a representative told me on the phone not to worry about the extension- which was then denied by a different person ). 

The above is now in the past- the company has responded ( poorly ), but they have done so. Here is where this complaint begins : When repayment began, the roughly {$260.00} minimum payment the representative quoted on the phone in XXXX ( I have a follow-up email from her, which doesn't record the amount, that was sent on XX/XX/XXXX - the call should be recorded ) when we discussed what the worst case scenario of an extension application would be ) had become nearly {$400.00} by XXXX. How could she be so wrong? How could the company miss the mark that much, by not only encouraging me not plan for much given the chance of an extension and then being off my nearly double? 

Then the worst part : I received a paper bill indicating {$0.00} due by XX/XX/XXXX. When I log into my account to see why repayment hadn't begun, I notice the {$380.00} payment required by XX/XX/XXXX. This is trickery in its clearest form and a very clear effort to both XXXX ) rack up fees and XXXX ) extend the length of the loan and interest-bearing period. I received the paper bill on XX/XX/XXXX with the due date of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect accounts were still found in my reports which I believe has been taken care of due to the written appeals I sent but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance : {$4800.00} ; XXXX  XXXX XXXX Balance : {$4100.00} ; XXXX XXXX Balance : {$600.00}
Product: Payday loan, title loan, or personal loan

I have applied for a personal loan and was denied by ROCKET LOAN with no reason perfect credit history no degarotiry account, income excellent no reason what soo ever These practices of discrimination are recurrent, i was refer by friend which is my co worker same situation of discrimination, provided all documentation to support my claim on the loan and i was denied for reason
Product: Debt or credit management

700 Credit Experts- I am paying {$150.00} per month for credit repair. The company refuses to comply and work on my credit unless I add on another expense from XXXX XXXX for another {$25.00} per month so they can access my credit report. This extra {$25.00} is not necessary and not my understanding of what was agreed upon. They will not work on my credit at all unless I add this extra service so I am paying {$150.00} per month for nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, # 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Dear Experian Dispute Department, I am writing to formally request the removal of a hard inquiry from my credit report that I have no knowledge of. I recently reviewed my credit report and discovered an unauthorized hard inquiry conducted by XXXX on XX/XX/year>, XXXX XXXX on XX/XX/year>, XXXX XXXX on XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), hard inquiries require my explicit consent. I do not recall authorizing this inquiry, and as such, I believe it is erroneous or fraudulent. I kindly ask you to provide documented proof that I gave authorization for this inquiry. If no such proof exists, I request the immediate removal of this unauthorized hard inquiry from my credit file. 
Additionally, as part of the recent lawsuit settlement against Experian regarding inaccurate credit reporting, I understand that the credit bureau is obligated to ensure accuracy and fairness in reporting. Given this legal precedent, I urge you to take immediate corrective action. 
Enclosed, I have included a copy of my credit report highlighting the unauthorized inquiry, as well as copies of my identification for verification purposes. Please investigate this matter and provide a written response within 30 days, as required by law. If the inquiry is not removed, I request a detailed explanation along with documentation proving that I authorized it. 
Thank you for your prompt attention to this matter. I look forward to your resolution and confirmation of the removal of this inquiry.
Product: Debt collection

I had a genesis credit card sold to XXXX XXXX debt collector in amount of XXXX I made payment arrangements and have paid XXXX and only owe XXXX remaining. Which will be paid off in 3 weeks. The debt collector for genesis card services sold my account or transfered to a SECOND collector for XXXX XXXX XXXX XXXX  in the amount of XXXX although I only owe XXXX which is auto ach from my bank weekly for XXXX ( I have proof of payments ). They have 2 collection agencies collecting different amounts for the SAME debt!!!
Product: Checking or savings account

I made a counter deposit in person at SunTrust branch of certified cashiers check from XXXX to be deposited into my named personal checking account ( in good standing no bounces, customer for 15 years ) on XX/XX/2021. The check was paid according to XXXX XXXX on the XXXX of XX/XX/2021. Suntrust held the funds until the XXXX of XXXX on the grounds that they have confidential information that the check may not be paid. I went in person to SunTrust on the XXXX of XXXX to inquire as to why my funds were held. XXXX XXXX, Vice President and branch manager of SunTrust XXXX located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( direct XXXX ) reported to me that the check had not yet been paid and the funds would post as soon as the check cleared. I then went in person to XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX and spoke with XXXX XXXX XXXX who provided that the check had already cleared on the XXXX of XXXX. I called and left a message for XXXX XXXX providing contact information for the XXXX representative and appraising her of my findings. At that point, I was contacted by email from XXXX informing that my case was being researched. On XXXX XXXX, XXXX XXXX returned my numerous attempts to contact her. She informed me that the funds would be held until the XXXX XXXX. She informed me that she was aware that the check was paid. She offered as a reason that the check was " a lot of money '' which is not a valid reason in 12CFR229 to hold funds. SunTrust acted in bad faith and provided no valid reason for holding funds.
Product: Debt collection

Contacted XXXX about the letter I received today regarding a debt of {$90.00} dated XX/XX/2022 and they didnt find any debt or missed payment from my account. The letter from TRS recovery services stated I owe the amount that originated from XXXX marketplace pmts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with t

he Uniform Commercial Code Article 9-210 I am requesting accounting of the alleged debt. This information has has violated my rights under the FCRA. This has caused mental stress, loss of opportunities, Credit loss to say the least. I am unable to purchase a home for my family. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof, update my payment history, remove negative remarks and change to PAANL status ( Paid as Agreed, Never Late ). I will be seeking { {$5000.00} } in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has removed a account ( XXXX XXXX XXXX ) I dispute as fraud and they have added it back. I'm continuing sending in documents for them to remove it because it's a against the law in the Fair Credit Reporting Act that a company has 30 days to respond if they don't then the Experian must remove the item from my credit report. After speaking with Experian they told me that the company come back 60 days later and verified the account. The Fair Credit Reporting Act says they have 30 days not anything after. They didn't respond in a tmely manner that's why they Experian removed it. Experian is getting paid for breaking the laws and need to be investigated. I have attached the file which shows them removing the accounts from my credit. Please remove these fraudulent account ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I filled out an application for a Pre Approva letter for a mortagage and never completed the application process and on XX/XX/2019 I received credit alerts that I had a new Inquiry to my credit report. Credit Plus pulled my credit report without my consent. The application was never completed and I never authorized for my credit report to be pulled, they pulled my credit report and it had a major impact on my credit score with all 3 credit bureau 's. I have called the XXXXXXXX XXXX who I started the application process with and I have sent an email to Credit Plus who pulled the hard inquiry and still have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The account Indigo - XXXXXXXX XXXX was added to my credit report on XX/XX/year>. I do not recognize or have any knowledge of this account. I would like the account removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2021 I sent a certified formal dispute to XXXX TransUnion and XXXX regarding fraud accounts open under my name. Ive sent in A verify police report picture of driver license bank statement to show my identity, prove I am the person. Per 605B. 15 U., S.C. 1681c-2 Requesting the listed accounts be blocked off my police report due to fraud, Idenity theft. Its obvious that none of the Credit Bureau took my dispute seriously Because the never addressed my concerned and are sent me a detailed reasoning and justification of not blocking these items off my credit report. I believe my due process rights were, has been violated by these companies.