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

Complaint RE : Bank : XXXX XXXX Bank, XXXX NC, Service Operations XXXX XXXX XX/XX/2023 XXXX AM : I received an email from XXXX XXXX XXXX stating I have successfully registered for XXXX through First Citizens Bank XXXX Which I did not do. I immediately drove to First Citizens Bank regarding this matter. 

XX/XX/2023 XXXX AM : I received another email from First Citizen Bank, stating Alert : Problem with account. Contact customer support immediately. We are unable to verify your identity regarding a zelle account. ( which I did not set up ). Per First Citizens Bank email sent to me a person named XXXX XXXX was attempting to deposit fraudulent 2 XXXX payroll checks into my checking account, which by the way I do not work for XXXX. I spoke with a banker in person/ XXXX XXXX who in front me stated she was calling the fraud department to dispute this fraudulent check/zelle account issue. I answered & gave information to get disputed ( in the bank at least an hour ). XXXX XXXX stated an investigation would be launched regarding this issue. Meanwhile I asked since my account has been comprised, I would like a new checking/debit card. She stated she could not do that, she put my account on hold with my funds that was in the account from my payroll, etc. Also my online banking credentials were disabled when I got to the bank, so I could not see the fraudulent checks from XXXX that was trying to go into my account. XXXX XXXX refused to reset my online login credentials after she disabled them. I went to another First Citizen Bank location & opened a new checking account/debit card due to my current checking account had been comprised fraudulently. I stayed in contact with XXXX XXXX regarding updates with the investigation, cause I wanted to file a police report regarding this XXXX XXXX person who had compromised my bank account. 
On XX/XX/2023. I personally contacted the First Citizens Bank fraud department & explained the situation. I was told by the representative on the phone that XXXX XXXX did not file a dispute with the fraud department regarding the aboved mentioned matter. So I filed a dispute over the phone regarding the same matter, was given a case ID #, stated someone from the XXXX office will be contacting in 1-2 business days, which I haven't heard from, but will continue to reach out for updates. Also the over phone representative reset my login credentials so I would be able to see transactions regarding my checking account. After hanging up, I immediately logged into my online banking account with success and saw both checking accounts the one with the fraudulent XXXX information which is now being officially investigated appropriately. Meanwhile while reviewing my new checking account, I saw a transaction where XXXX XXXX has fraudulently signed my signature on a withdrawl slip & withdrew {$700.00} out of my new checking account. I immediately contacted the fraud department once again, the information was reviewed & discussed and this is also being disputed & investigated. So when the fraudulent person is the bank manager/supervisor its not safe to utilize banks at this point. 


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

I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I reached out to them multiple times via email to ask for a 1099c and they refused via phone on XX/XX/XXXX. 
The account has been closed since XXXX XXXX. They illegally took and then sold the vehicle. They did not send me a certified letter stating any of that. 
I am listed as a co-signer, NOT the primary. It also states that the last payment made was in XXXX of XXXX. 
The account is listed as a charge-off and also states profit and loss write off. 
It is illegal, per the FCRA, for them to report this as a debt owed when they have already claimed it as a profit and loss write off and closed the account.
Product: Credit reporting or other personal consumer reports

I checked my credit report on XX/XX/2024 and I noticed unauthorized inquiries on my behalf. I was a victim of the XXXX data breach and I want XXXX  XXXX  items deleted from my credit report immediately. According to FCRA, legally these unverified and unauthorized items MUST be removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX  260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with this company. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with this company for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I presented proof showing that information that they are reporting is inaccurate, but continues to report the inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

WHOA!!! HOLD UP!!! This is my XXXX attempt at respectfully trying to achieve a lawful resolution to my situation. I've asked on XXXX occasions to have an investigation of items that are reporting inaccurately on my credit report removed. My complaint was closed ( XXXX ) as the company NC FINANCIAL is using a stall tactic claiming that I am using a 3rd party to submit these requests and that additional authorization was needed. I am reopening my case offering my statement as proof that no such 3rd party exists in submitting my disputes. I've recently received notification from the credit reporting agencies that the inaccurate information on my consumer report continues to report as being verified. There is NO WAY that this can be true. I am invoking my rights per the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D for the credit reporting agencies to PROVE that they have actually DONE an investigation and not just submitted a response per a computer-generated document. These erroneous entries are detrimental to my overall credit rating and have caused me severe financial and emotional distress. This complaint is not being submitted through a 3rd party and by NO MEANS are there any additional authorizations needed for my inquiries to be addressed. I immediately demand that the entries that I have disputed be permanently deleted from my consumer report as it is reporting incorrectly. Should NC FINANCIAL refuse to do so, I will have no choice but to continue invoking my rights under the Fair Credit Reporting Act, Section 616, to pursue legal action to make me whole.
Product: Credit reporting or other personal consumer reports

Subject : Continued Inaccurate Reporting and Failure to Disclose Verification Method XXXX XXXX  Account. 

Dear Credit Bureau, I am writing to formally dispute the continued reporting of inaccurate information on my credit report, specifically regarding the XXXX account. Despite previous disputes and requests for corrections, the inaccuracies persist, indicating potential willful noncompliance under 15 USC 1681n. 

As per 15 U.S. Code 1681e ( b ), credit reporting agencies are obligated to " follow reasonable procedures to assure maximum possible accuracy of the information. '' The continued reporting of inaccurate information violates this provision. 

Furthermore, 15 U.S. Code 1681i mandates that credit reporting agencies " conduct an investigation with respect to disputed information. '' Despite multiple disputes, the inaccuracies remain, suggesting a failure to conduct proper investigations. 

Additionally, I previously requested the method of verification for past disputes, as is my right under FCRA Section 611. This information has not been provided, further hindering my ability to assess the accuracy and completeness of your investigations. 

Due to the repeated failures to correct inaccuracies and the failure to provide the requested verification method, I am formally requesting the deletion [ XXXX ] of the XXXX account from my credit report. This request is supported by : 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Requirement for Deletion - If an item is found to be inaccurate or can not be verified, it must be deleted by the credit reporting agency. 

15 U.S. Code 1681s-2 : Responsibilities of Furnishers of Information to Consumer Reporting Agencies - Furnishers , such as XXXX  are obligated to provide accurate information and investigate disputes. Their failure to do so warrants the deletion of the inaccurate account. 

In line with 15 U.S. Code 1681n, I am also attaching an invoice for damages incurred due to the continued reporting of inaccurate information. These damages include, but are not limited to, lost opportunities and emotional distress. I expect these damages to be paid in full as a direct consequence of your failure to comply with the FCRA. 

I anticipate prompt deletion [ XXXX ] of the disputed account and full payment of the attached invoice. Failure to comply with these requests will leave me no choice but to pursue further legal action. 

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

Dear Credit Bureau : Experian I will be passing this updated response letter over to my attorney for review since I dont know a lot about trying to remove or fix inaccurate information. I noticed that you verified that the items listed in the bankruptcy were correct. My attorney told me to ask you the following questions. ( 1 ). How did you verify these inaccurate accounts? ( 2 ). Did you talk to the court and if you did who did you talk with at the court? ( 3 ). Were you required to pay a fee to obtain the bankruptcy papers? ( 4 ). Can you provide me with the contact number and name of the person you talked to? My attorney told me that your company use third party data mining companies to get information from the court? Is that true? If that is the case, then your company is really not doing a true investigation is that correct. If you did not do a real investigation, then according to my attorney that is a violation of the FCRA and the account must be deleted at once. Please remove the account listed below : US BKPT CT TX XXXX Date Filed : XX/XX/2017 Bankruptcy chapter XXXX-dismissed Reference : XXXX and US BKPT CT TX XXXX Date Filed : XX/XX/2017 Bankruptcy chapter XXXXdismissed Reference Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Privacy and confidentiality under 15USC 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may makes 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 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 or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) # XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receiptXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

We are becoming victims of dual tracking while under review. 

On Thursday XX/XX/2016, obtained order from Federal Judge referring us to the mortgage modification and mediation program. We submitted a modification package. The bank 's lawyer XXXX is fully aware that it is against guidelines to have a sales date if a complete package is presented for review at least 37 days before the sales date. On Monday XX/XX/2016 she filed a motion in state court asking for a sales date. The bank is displaying unclean hands and no good faith.
Product: Checking or savings account

When I opened the joint account that, we were misleading by the Citizens Bank   XXXX   that we will not get charge any fees on both Checking and Savings account, but unfortunately they charge us every month. {$9.00}, and {$3.00} on our checking alone every month and {$4.00} and {$2.00} on our Savings which the did n't told us from the beginning. They used our money to invest to make money and charge us again on top of it. We want our money back the they said when we were opening the account. Please, i need your help to get all our money back. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

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
Product: Credit card

On XXXX {$880.00} was removed from my account with Chime. I made contact several times but again on XXXX they for the second time denied the scam and return the money.
Product: Mortgage

Our loan was sold to Nationstar, they XXXX the mortgage, we filled out paperwork XXXX times for the HAMP, modification, all XXXX times they lost the paperwork, never returned calls, gave us the run around. We sent them payments, they sent them back, keeping the late fee, then later returning that as well. This all started XXXX XX/XX/XXXX, we now have a lawyer, and are being foreclosed upon XXXX/XXXX/XX/XX/XXXX. We tried to send them {$7000.00} in XXXX of XX/XX/XXXX, they said do n't bother. Currently our house is for sale, just went into a sale. Our credit is ruined and we are losing our home of XXXX years. Our credit was stellar and we had never missed a payment. We did pay late XXXX or XXXX but only a XXXX times. My husband and I both work 7 days a week, and pay all of our bills. We have never been through something like this, so stressful and so awful. We are leaving our home soon, and moving on. Nationstar has treated us like trash, never calling us back to try to resolve things. Losing all of our paperwork, returning our payments, and now foreclosing on our home. How can they get away with this? We never had a problem with our loan prior to them getting it. I read to the other stories from other people and it is the most terrible company to exist. Please stop them from taking people 's homes away, no one deserves to be treated like this. I have my child and my pets to care for and I have to move them as well, and it has been daunting. I have owned a home since I was in my XXXX 's, now in my XXXX 's, I will be starting over, thanks to Nationstar. Please, please, please help the people put a stop to this company and their heinous business tactics. I am in tears as I write this because I do n't know what I will do. We have had to had to hire an attorney to help us, and he has had several clients with the same problem/same company.
Product: Money transfer, virtual currency, or money service

Block , Inc due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPXXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience andXXXX financial loss, and I seek appropriate redress for these violations.