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

In my Bank of America account, I have observed unauthorized transactions totaling approximately {$11000.00} occurring between XX/XX/2024, and XX/XX/2024. Below are the transaction details that require action from the bank, including the reversal of these amounts in my account : 1. XXXX  ... XXXX XXXX. CA -- - {$2400.00} XXXX. XXXX XXXX sent XXXX XXXX  ... ... {$150.00} 3. XXXX * XXXX XXXX XXXX XXXX XXXX CA .... {$3700.00} XXXX. XXXX XXXX sent ... .. {$2300.00} XXXX. XXXX XXXX XXXX  purchase ... ... {$2000.00} My Concerns : 1. The absence of timely alerts or notifications regarding this suspicious activity.

2. The significant financial impact this has had on me, particularly as a student who recently arrived in this country. 
3. Delay in raising the dispute despite contacting them initially in XX/XX/2024. 

Steps Taken So Far : 1. I immediately contacted Bank customer service on the same day ( Date ). 
2. I have contacted the fraud detection team since XX/XX/2024. 
3. Despite my repeated attempts, there has been no progress in recovering my funds. 
4. After multiple contacts, a dispute was finally raised on XX/XX/2024.
Product: Debt collection

15 USC 1692CC if a consumer nofiy a collector that he or she owe a debt the consumer have to pre fide a sign documentation showing proof the debt belong to him or her.the day of the process the consumer have up to XXXX  days to respond
Product: Debt collection

has called and represent the state collectors office and left. ref. XXXX and I have asked to stop calling and get robots
Product: Bank account or service

Last night I made XXXX desposits to my Wels Fargo checking account back to back ( XXXX in the amount of {$100000.00}, the other for {$950.00} and the XXXX for $ XXXX totaling {$2100.00} ) I received email confirmations of all XXXX deposits and was told my checking account balance at the time was {$2100.00}. I then submitted a payment to my credit card for {$2100.00}. This morning I received an email alert from Wells Fargo confirming my deposits, but it only confirmed XXXX of my XXXX deposits- the XXXX deposit of {$200.00} was not credited. I immediately called in and was advised by the Wells Fargo agent that he could see the {$200.00} but that it was showing on my " bank card '' but not in my checking account.. I have no idea what that meant, I depsoited all XXXX deposits in my checking account and told him I have the email. He transfered me to the claims department, who set up a claim for me and gave me the claim # XXXX, I then asked that since they saw my {$200.00}, that someone issue a provisional credit for the {$200.00} so that when my creditor presents the payment I authorized that it would not return unpaid. So they transfered me back to customer service to get the credit issued. While in Customer service I was told that credit is issued by the claims deptartment, not customer service, I became upset because I had just been on with the claims department who transfered me to customer service so I asked to speak with a supervisor, XXXX came on line and advised the claim that was set up for me was the " wrong type of claim '', so she closed out that claim and opened another one and gave me a new reference number XXXX ... she then told me someone in claims had to give me the provisional credit and got me to claims again, I spoke w. XXXX ( who was very rude ) she got me into the consumer phone bank in XXXX Texas who was also very rude and unhelpful, she transfered me over to another supervisor who i spent another 1 hour and a half with trying to get in touch with the claims department. At this point, my creditor has put through the intended amount of {$2100.00} and my account is now over drawn as a result. I am so furious! I find it appauling that Wells Fargo held on to my money and did not appropriately credit my account and caused me to remain on the phone for hours and now an over draft to my bank account. I 've attached the receipt for the {$200.00} deposit that was omitted from my account along with the balance that should have been on my account of {$2100.00} ( Which would cover my payment to my creditor for {$2100.00} )
Product: Consumer Loan

A neighbor referred XXXX XXXX, Sears XXXX XXXX, for replacing windows. Because our XXXX yr old daughter had to move in with us after her house tested positive for MOLD + they found XXXX XXXX leak @ the time. Unaware she inhaled toxins for 7 yrs & got sick. She XXXX for this. She XXXX in humid, rainy days. Our house was built XXXX. We thought new windows would help her. We were not aware we had to pay anything upfront. XXXX said we had to open a Sears Credit Card to pay for the windows. Reluctantly we did. We have XXXX credit cards we use exclusively & could not use we were told. We explained our situation. Our expenses on fixed income high for our daughter 's medical bills, care, higher utilities. 1 day a truck pulled up in front of our house with windows. 1 man discovered that our windows, doors & trim where all white inside our house. The ones THEY brought were beige inside & out. We made it clear they had to be white on the inside & beige exterior to match the outside. XXXX did the order on his laptop, we received no copy. One man came from the attic with 1 of our windows walking out the front door. I stopped him & told him that the attic windows were not to be replaced. 
Total window where not the right number. The order was wrong. He went back up & stuck the window back in, no tools, assuring us it was safe & sealed. A few weeks ago I saw a stain on our ceiling on the 2nd floor below that attic window. After talking for a while to someone at Sears they left. XXXX XXXX was in the hospital he emailed us. He gave us XXXX XXXX XXXX XXXX whom we contacted. Nothing got resolved. We told him eventually we lost trust in Sears and wanted to cancel the entire order. He said he would. Emailed us. XXXX XXXX never contacted us. Since then we get bombarded with invoices. We talked to someone who contacted us in response to my Internet post. Nothing was resolved. I am XXXX yrs old, my husband is almost XXXX. We take care of our daughter who is XXXX 2+ yrs. Thank you for your help.
Product: Credit reporting or other personal consumer reports

Based on my several previous request, I am still writing to formally report the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. Please provide me with a written confirmation of the removal once the investigation is complete. Furthermore, I request an updated copy of my credit report reflecting the accurate and corrected information, once the fraudulent items has been removed. These are the following fraudulent items that I want to removed of : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023.
Product: Debt collection

To whom it may concern I am writing to request that you immediately block the following information from my credit report, as it is a result of identity theft : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In the past and more recently I discovered that I am a victim of identity theft and have filed an identity theft report with the Federal Trade Commission ( a copy is attached ). 

Also filed a Police Report with XXXX XXXX XXXX see attached Ive also placed an extended fraud alert on my credit profile with all credit agencies. 

My information was driver license and wallet was stolen. Also my information was exposed in the recent Data Breach with Equifax. 

Additionally, none of the above mentioned companies could verify the accuracy and/or validity of ownership. 

Please take immediate action to block this information from my credit report, and notify all furnishers of this information about the block, in accordance with Section 605b of the Fair Credit Reporting Act within XXXX business days of receiving this formal letter. 

Sincerely, XXXX XXXX
Product: Debt collection

ATTENTION XXXX XXXX XXXX ( XXXX XXXX XXXX ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$120.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX XXXX ( XXXX XXXX XXXX in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire this account. I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Product: Student loan

When I signed up for XXXX XXXX I was under that this was the best career to go into. They did not explain that I would end up paying over XXXX. I did not understand the interest on the balance.
Product: Debt collection

I do not have a contract with National Credit System, I am not liable for this debt.
Product: Debt collection

EGS Collections, used data mining to find relatives and in laws, and called them, and informed them that I had a civil action against me for bad debts, ( all False ). After I communicated to them ( EGS ) That I had an Attorney, to discontinue calls they continue to call my employer, my wifes employer and her family giving them false information.
Product: Debt collection

DATE : XX/XX/XXXX SUBJECT : Victim of Identity Theft of Fraudulent Transaction Dear Sir or Madam, I am writing this to bring into your concern that on XX/XX/XXXX, an unauthorized disputed fraudulent transaction of XXXX XXXX- was executed on my name for apartment lease booking at XXXX XXXX. The XXXX ID XXXX. I beg to inform you that this transaction was not authorized and carried out by me in any physical or online form. I am quite surprised to mention that this is a fraudulent transaction, and I am a victim of identity theft, and I dont make this transaction. I am not responsible to any charges made to this fraud transaction. I have not initiated the above-said transaction. During the date of fraud transaction, I was living in XXXX XXXX XXXX XXXX XXXX  The Fraudster has used my Social Security Number and the items I dispute is attached as a copy of the report I received for the Collection Department - XXXX-Account # XXXX The items I dispute also are attached copy of the report I received. Below is the list of disputed items which make it clear that I am the victim of a FRAUD Transaction. 

1. Identify item ( s ) = Lease Agreement 2.  Current Address = XXXX XXXX, XXXX 3. Original Creditors Name = The XXXX 4. Lease Date and Location XX/XX/XXXX, XXXX, XXXX I  am requesting that all charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. Requesting you to please take up this matter urgently and investigate at the highest level and notify me in writing of the results of your investigation and help me in recovering my money back at the earliest possible. 

Enclosed are copies of ( Fraud Transaction Report with all details ), which supporting my position. Please investigate this matter and block the disputed item correct the fraudulent ( charge or debit ) as soon as possible. 

Regards, XXXX XXXX
Product: Mortgage

So we have been dealing with this difficult lender Megastar Financial. they also have difficult reps. I called today and spoke to these reps XXXX id number : XXXX XXXX id number : XXXX. These reps refused to discuss the account and got hang up twice and put us on hold forever and even transferred me to XXXX  speaking representative just to get away. That is so rude and very unhelpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not familiar with these items and I have been in contact with the company to challenge and verify this debt is mine with signatures and contracts to no avail. I have still received nothing. This is clearly an error and is not my account. the account in question is an AMEX. i have noticed this for several months on my record with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I have notified my attorney to stop the actions of your company from contacting me anymore and I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. Thank you.
Product: Student loan

Navient have been charging hidden excessive fees for forbearance they issue to me. In addition, the principal of my debt is overstated. Just in a couple of years or so, my debt balance went from {$78.00} K to $ XXXX. All the explanations their agents give me on phone are evasive and not convincing. I requested all the promissory notes I have signed. They have not replied yet.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 

I demand this account be deleted from my consumer report. 

Best regards
Product: Checking or savings account

On XX/XX/XXXX I received a notification from my bank Truist regarding a charge for {$620.00} that was not authorized. Fortunately that did not clear however since my card was not blocked other charges were made : {$300.00} - XXXX XXXX, {$350.00} XXXX XXXX, {$31.00} XXXX XXXX. I received notification from Truist that the {$300.00} and {$31.00} were concluded as fraud but they are saying the {$350.00} was initiated by me and Truist has now taken the {$350.00} credit back. I have called Truist as I would like to appeal this decision, I did not make any of the above listed charges and I have not spoke to anyone that is able to resolve this. I have banked with Truist previously known as Suntrust since XXXX, I am completely disappointed that the investigation team at Truist has failed. Its horrible enough to have scammers violate you, but a bank to do the same is completely unacceptable.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX, VA, XXXX XX/XX/2023 Experian Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, TX XXXX Re : Dispute of Inaccurate and Incomplete Accounts on My Credit Report Dear Experian Dispute Department, I am writing to formally dispute the accuracy and completeness of certain accounts that are currently being reported on my Experian credit report. The accounts in question, along with their respective account numbers, are as follows : 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 XXXXXXXX ( In Collection Status ) I believe that the information being reported on these accounts is in violation of the Fair Credit Reporting Act ( FCRA ) due to its incompleteness and inaccuracy. Specifically, the discrepancies I am disputing include incorrect balance amounts, payment history inaccuracies, and a lack of proper validation of the debts.

Under the FCRA, it is essential that the information on my credit report is both accurate and complete. The inaccuracies and omissions regarding these accounts are detrimental to my creditworthiness and financial standing. As such, I am formally requesting that Experian investigate and rectify these issues by removing the disputed accounts from my credit report immediately.

I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Attorney General 's office if these inaccuracies and omissions are not promptly addressed. Please consider this letter as a formal dispute under the FCRA and initiate an investigation into the disputed accounts immediately. In addition, I request that you provide me with written confirmation of the actions taken within the timeframe required by law.

You may contact me at XXXX or via email at XXXX to discuss this matter further. All correspondence related to this dispute should be sent to the address provided above.I look forward to a swift resolution of this matter and the removal of the inaccuracies from my Experian credit report! 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

US DEPT OF EDXXXX or XXXX U.S. DEPARTMENT OF EDUCATION ( XXXX ) I have made the payments every month and each month I get a {$20.00} increase of interest " Balance Increased by {$22.00} '' Graduate PLUS Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full Account and Loan Details Stafford Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full Account and Loan Details
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, a forbearance request was made and approved by Loancare LLC for 2 XXXX XXXX backed mortgages. In XX/XX/XXXX, both of these mortgages were sold to XXXX XXXX XXXX. Upon transition of the two mortgages to XXXX XXXX XXXX ; Loancare LLC then reported to all 3 credit bureaus that the 2 mortgages were delinquent and in collections. This effectively has dropped my credit score by 150 points. 

Having contacted Loancare LLC several times requesting that they accurately report these mortgages to the credit bureau as not being delinquent as defined by the CARES ACT.
Product: Credit reporting or other personal consumer reports

I currently have unauthorized inquiries appearing on my credit reports. 
1.XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX 2. XXXX  Date of inquiry : XX/XX/XXXX 3.XXXX XXXX Date of inquiry XX/XX/XXXX 4. XXXX XXXX Date of inquiry XX/XX/XXXX 5. XXXX Date of inquiry XX/XX/XXXX 6. XXXX  Date of inquiry XX/XX/XXXX 7. XXXX Date of inquiry XX/XX/XXXX 8. XXXX  Date of inquiry XX/XX/XXXX 9. XXXXXXXXXXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX .... Balance : - XXXX XXXXXXXX .... Balance : - XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$54.00} XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report XXXX separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. This fraudulent, inaccurate, and false information consists of a XXXX XXXX XXXX account opened on XX/XX/XXXX under the account number ( XXXX ), State of MI of XXXX account opened on XX/XX/XXXX under account number ( XXXX ), State of MI of XXXX account opened on XX/XX/XXXX under account number ( XXXX ), and another State of MI of XXXX account opened on XX/XX/XXXX and the account number is ( XXXX ) .I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collections activity related to this item cease pursuant to my rights within the FCRA and FDCPA laws. 

What happened ( statement of pertinent facts ) : Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX XXXX XXXX account opened on XX/XX/XXXX under the account number ( XXXX ), State of MI of XXXX account opened on XX/XX/XXXX under account number ( XXXX ), State of MI of XXXX account opened on XX/XX/XXXX under account number ( XXXX ), and another State of MI of XXXX account opened on XX/XX/XXXX and the account number is ( XXXX ) .The accounts have resulted in a fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned account the collection, as reported. The aforementioned account, collection, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal trade Commission that all of the aforementioned consumer credit account collections are the result of identity theft and fraud. 

What would be a fair resolution to this issue? ( Demand for relief ) : I request, pursuant to FCRA 6 6058 ( 15 U.S.C. 6 1681c-2 ), that the credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( XXXX ).