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

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX **To : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Subject : ** Identity Theft Request for Fraudulent Items Removal Dear XXXX, Equifax, and XXXX, I am writing to formally dispute inaccurate information on my credit report resulting from identity theft. I have recently discovered that unauthorized accounts and/or inquiries have been reported under my name and Social Security number. These accounts were fraudulently opened without my knowledge or consent. Under the **Fair Credit Reporting Act ( FCRA ) ** and the **Fair and Accurate Credit Transactions Act ( FACTA ) **, I request the following : 1. **Immediate Removal of Fraudulent Items : ** - Remove all accounts and inquiries identified as fraudulent from my credit report. - Ensure these accounts do not reappear on my credit report unless validated by me. 2. **Fraud Alert Placement : ** - Place an extended fraud alert on my credit file for seven years to protect against future fraudulent activity. 3. **Verification of Disputed Items : ** - Provide documentation used to verify the accuracy of the disputed accounts, including the application or transaction details. I have enclosed the following documentation to support my dispute : - A copy of my government-issued ID ( e.g., drivers license ) - Proof of address ( e.g., utility bill ) - A copy of my police report or Identity Theft Report filed with the FTC - A detailed list of the fraudulent accounts and inquiries Please conduct a thorough investigation into this matter and respond within 30 days, as required by law. Additionally, I request written confirmation once the fraudulent items have been removed and my credit file updated. THE ACCCOUNTS ARE LISTED BELOW XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX EQUIFAX MORT XXXX XXXXXX/XX/XXXX EQUIFAX/XXXX  XXXX XXXX XX/XX/XXXX XXXX Equifax XX/XX/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
Product: Debt collection

I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2
Product: Credit reporting or other personal consumer reports

The permissible purpose for these inquiries in my credit report was not given. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

My US bank credit card information was stolen. I found XXXX XXXX XXXX  XXXX '' charged me {$530.00} on XX/XX/year>. I contacted US bank XXXX XXXX XXXX XXXX XXXX  on XX/XX/year> to dispute this charge. They investigated but they charged {$530.00} back to my account today. I investigated myself by going to XXXX web site. They created my account with my email address and showed the purchase history in their website. It is still there as of today, XX/XX/year>. They do not reply to my request. The purchase order history shows the order I have never authorized. The order was placed on XX/XX/year> and it was canceled on XX/XX/year> XXXX XXXX XXXX XXXX  ). US bank has not replied to the reason why they did not Horner my request, but they did not remove this charge from my account and now I am responsible to make the payment for this fraud activity. It is not fair for me to pay for this amount for the fraud activity. I gave them the information about the web site, but I do not think they looked into it.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Upon reviewing my credit report, I noticed a list of unauthorized inquiries and transactions that are not of my doings. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/17 there was a Counter Credit Deposit of {$8500.00} and on XX/XX/17 a Counter Credit Deposit of {$1800.00} that were not requested or authorized by myself but by my father XXXX XXXX without my permission .On XX/XX/17 There was a withdrawal of {$100.00} at XXXX ATM in Washington DC , on XX/XX/17 Return Item Charge back of {$8500.00} and another ATM withdrawal of {$1000.00} at a XXXX ATM in XXXX XXXX , MD, all of which I was not present for. During the time of these events I was a on campus student at XXXX XXXX XXXX but on my XXXX  XXXX XXXX acct I used my mother and fathers home address. I left personal info such as mail and birth certificate and social security at my fathers address because I did not deem it responsible to keep at a campus where other people would have access to my locker. At some point my debit card was left home when I visited for a weekend and My father utilized my personal information in order to have money sent to my account, one of which was a fraudulent check of {$8500.00} which caused my bank account to be closed. There has been fraud placed upon my name for actions I did not partake in and it now hinders me from applying for most credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Compliance Verification and Dispute I hereby request that this account is electronically evaluated as to whether all data is mandatorily perfect and complete XXXX XXXX Formatted Reporting Standards was properly reported within the compliance standards set forth by the Fair Credit Reporting Act ( FCRA ). This includes the mandatorily perfect and complete XXXX XXXX Formatted Reporting Standards, the applicable requisites of the FCRA and the applicable requisites of the FDCPA, and or any other standard or regulation otherwise, be it mentioned or no. All data must follow the XXXX, Credit Reporting Agencies ( CRAs ) and XXXX XXXX XXXX XXXX ( ACDV ). 
The Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ) has been violated by the furnishing of such derogatory account. This account hinders my ability to apply for accounts that others can apply for which denies me the opportunity to obtain credit. 
As the consumer I am being harmed by the data furnisher ( DF ) and or the Credit Reporting Agency ( CRA ) for non- compliance reporting of items on my credit report. I request this item be removed. 
I request to be provided verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it you have on file for accounts listed below.
Product: Mortgage

Bank of America 's Mortgage Servicing Department has put in place an automated phone system that does not work properly and as a result, not all of its borrowers can get access to help from a mortgage servicing representative. 

I have difficulties using automated voice response systems. Bank of America has made it impossible to speak to a representative without entering or giving identifying information to the AVR system first. This means that in order to speak to a representative, I have to have someone from my branch call in for me, which reduces my privacy and adds significant time. 

This requirement could be a problem for the elderly, XXXX or anyone who does not speak XXXX or XXXX ( there are no other language options ).
It makes it much too difficult for someone who needs help - a miscredited or lost payment, etc - to get the help that Bank of America is required to give.
In my case, we did get behind on our mortgage for one month but we BELIEVE we have caught it up. But there is an extra charge on our mortgage bill that we do n't understand and I have not been able to reach them to talk about it because I can not get through on the phone lines. 

I 'm not sure what Bank of America is legally required to do as a mortgage servicer but I do know that this is not a consumer-friendly way to deal with people who are dependent upon them for accurate, prompt and responsive service.
Product: Debt collection

I receive numerous calls from a particular number and now I have friends and family telling me the same number is calling them asking for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, I received a letter via mail from XXXX XXXX XXXX stating that I owe XXXX dollars to settle the account. They also stated that they have previously verified and validated this debt and will not continue to validate or verify. Sending me a letter saying its verified is not concrete evidence as I demand original contract with my wet ink signature the contract that I have with XXXX XXXX regarding this debt. If they are unable to produce this information to Transunion and also me via mail the account should be removed from the credit report immediately.XXXX XXXX has also violated 15 USC1692 c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt The paperwork XXXX XXXX  XXXX sent clearly states this is communication from a debt collector. I will upload the evidence stating my claim. I have never gave XXXX XXXX written expression to contact me about this debt. The said account of XXXX be removed
Product: Student loan

I sent several times to Navient information requested copy of driver license since they claim having the wrong birth date, copies of cancelled checks for payments not posted to the account. These Paynes made by the Bk XXXX Trustee. Unable to create a log in to check account. Unable to change payment plan sine Depatmentcof Education does not show I gave a loan. They keep saying documents can not be read.
Product: Debt collection

We signed up for a new credit card -- Gold Delta SkyMiles American Express card -- in early  XXXX . There were no membership fees when we signed up. After a year of using the card, an annual membership fee was assessed for {$95.00} on  XX/XX/XXXX . We decided that the card was not worth the cost, and according to the card agreement, we canceled the card within the grace period.
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On or before XX/XX/XXXX , I called AmEx to pay off the {$11.00} balance, get the membership fee removed ( this was well within the grace period given in the agreement ) and to close out the account. I had asked the credit card representative ( over the phone ) for the exact amount needed to close everything out completely. I payed that full amount. The payment for {$11.00} posted  XX/XX/XXXX , but the membership fee reversal did not post until  XX/XX/XXXX , even though I had called to reverse it and close the account no later than  XX/XX/XXXX . On  XX/XX/XXXX , AmEx assessed a late fee for the {$95.00} membership fee that should have been reversed when I called a week earlier.
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Since then, AmEx has been assessing late fees each month for the imaginary balance due to their own negligence. I and my husband have called many times to clear this up, but each time, the credit card representatives tell us they have no power to remove the spurious charges, even after the situation is made clear to them. Instead they try to bully us into just paying the late fees to take care of the situation. They offer no other alternatives and no way to contact someone at AmEx with the power to do anything other than take our money.
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Evidently, our credit scores are now being affected, which is completely unacceptable. We would like for AmEx to reverse all charges and clear up the credit reporting with each credit reporting service affected.
Product: Mortgage

XX/XX/XXXX I applied for Loss Mitigation Assistance through my Servicer Chase which is supposed to be provided to me under the terms of the numerous Settlement Agreements Chase has made with the United States government over their wrong doing in the XX/XX/XXXX financial collapse.I also know that I am qualified under the terms the government set forth for Chase. For a year now I have been told I am qualified for assistance but have been delayed by Chase without any written or verbal reason. I have been asked to submit numerous documents several times, duplicate, triplicate and more. On this final attempt to settle my account after Chase approved loss mitigation for my account Chase does n't seem to know how to receive or may contact with the investor on my mortgage which is absurd. I have been waiting for 10 days to close this file out with Chase and they ca n't or wo n't make a decision. As the servicer they must have the authority to make final decisions on my loan in a time specific manner as they agreed to this in their court settlements with the government
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters advising of the issues and requesting their method of verification. The last letter sent was certified and was delivered to this credit bureau on XX/XX/XXXX. I have placed multiple calls ( all of which had extremely long wait times ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I placed these calls because I have been transferred to voicemail, the calls have somehow become disconnected after finally reaching someone, or they advised they will enter a dispute only for me to receive the same message advising the creditor advised them the information is accurate. '' This statement means nothing to me when I know the information is not accurate. 

I have spoken with some of their agents who have advised me that the creditor or credit agency just has to advise them the information is correct without furnishing anything. When I further inquire about this, then I am told the credit bureau does not have to tell me how they verified the information at all, as long as the creditor or agency says it is true, it can stay on my report. This is not only untrue, but it is also illegal and unethical. I have invested a lot of time trying to peacefully and expeditiously resolve these issues, however they remain determined to report inaccurate information and refuse to verify or furnish any information justifying their continuous reporting of inaccurate information. It has been almost 2 months since they received the certified letter and I am still fighting to have my information corrected.
Product: Vehicle loan or lease

On XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX acct # XXXX sent info too my email stating the sold a vehicle attached to my name and are still reporting to 2nd party agencies after repossession the vehicle agencies like XXXX, the amount of XXXX but the document they sent states other-XXXX  . I also never received the 1099 form for the charge off there are inaccuracies within reporting.
Product: Mortgage

I applied for a credit card, which pulled my credit report. Then Amerisave cold called me because my credit was pulled. I asked them what their rates were and any points for pay down of rate. The guy said he needs to do a formal loan estimate for it to be legit, but he would not pull my credit since he could use the one the credit card company pulled. I informed him I only wanted to rate and costs, no credit should be pulled since I did not want to proceed if the rates were bad or costs were high. 

The next day I found out my credit had been hard pulled. This guy totally lied during the entire call. I've worked with dozens of loan brokers and this guy kept lying and using my information and did not have authorization to use my info to a loan app.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. Chapter XXXX Bankruptcy bal. {$0.00}, Chapter XXXX Bankruptcy bal. {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnionXXXX after I purchased a credit report with XXXX After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there were Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX XXXXXXXX Late payment XX/XX/XXXX 30 days late will be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have been writing letters since XX/XX/2021 and I didnt receive any information to verify the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified dispute letter to Exeter on XX/XX/XXXX requesting for an investigation of the errors on this alleged account that is being reported on my credit report. I sent another certified letter on XX/XX/XXXX requesting for an investigation of the errors on this alleged account that is being reported on my credit reports ; which I did not receive a response back from Exeter, XXXX, or XXXX. My latest certified letter was sent on XX/XX/XXXX to identify the continuous inaccuracies being reported on my credit report by Exeter. I also requested for Exeter to send over proof that the alleged repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL I requested copies of legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle to be provided to me within 15 days from the receipt of the certified mail notice that was sent on XX/XX/XXXX. 

I pulled my XXXX credit report to review, and I noticed that the account has been re-aged and is now reporting a Date of Last Activity as of XX/XX/XXXX with XXXX. I have requested for this erroneous account to be removed from all bureaus on my credit report. There are several inconsistencies and errors that I identified on my credit report. Under the consumer protection afforded by the FCRA Section 605 ( c ) it is against the law to Re-age an account. I also noticed a comment on the Exeter account on my credit report that stated a payment was made after the account was closed. This is a inaccurate statement, and I am demanding for this account to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE INQUIRIES LISTED BELOW ARE FRAUDULENT SOMEONE USED MY NAME AND SOCIAL SECURITY NUMBER TO FILL SEVERAL FRAUDULENT APPLICATIONS IN MY NAME I DID NOT SUMMIT THESE APPLICATIONS 1.XXXX  2.US SM BUS ADMIN ODA 3.XXXX  XXXX XXXX 4XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX 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
Product: Checking or savings account

Today XX/XX/XXXX called about a check that was deposited into my account a month ago on the XXXX. It obviously was not me because it was miles away from where I am. Wells Fargo also allowed them to bypass the security and take out XXXX. They submitted a check that was so obviously forged that a baby could tell. During this call I was told they couldnt do anything About my claim because I had already opened a claim last month and it was still on going. I went and checked online and the claim was closed with nothing done to it. This is XXXX XXXX  we are talking about.
Product: Checking or savings account

I attempted to withdrawal {$6200.00} from my Marcus savings account to my linked XXXX XXXX checking account on XX/XX/XXXX. The transfer was accepted without warning. I logged into my account this morning ( XX/XX/XXXX ) to see that the transferred was reversed without warning on XX/XX/XXXX. When I called Marcus, they could not tell me why the withdrawal was reversed but said I should be able to transfer it now. I tried again and it wouldn't go through. I called Marcus back and they said that my wife, a joint owner had to call them and speak to them. My withdrawal was reversed without my consent and without communication. Now, my money is being held XXXX by Marcus, I'm racking up fees with bills that I owe and can not pay because I can not access my money. My wife will call when she is able. Even then, I'm being told it could take XXXX days to clear a transfer even though I initiated it last week. I don't think Marcus should be allowed to hold my money XXXX like this. Please help!
Product: Money transfer, virtual currency, or money service

I had use money international transper from citi prepaid bank, it 's already more than  XXXX  weeks I do n't receive my money,,
Product: Money transfer, virtual currency, or money service

Someone created an email account in my husbands name, and created a zelle account. We found out from our bank XXXX XXXX XXXX fraud department the email address is XXXX. We did not create the email and the person who created the email address transferred money two separate transactions within approximately 1 hour between in the amounts of {$500.00} and then {$490.00} from our account to a person by the name of XXXX XXXX who we do not know. I need this zelle account deleted immediately please. I have had no luck for the past 3 days getting in touch with anyone from zelle. Until Thursday we had no idea what zelle was. Could you please let me know what the next step may be. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with Equifax and XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX  XXXX Balance : {$700.00} ; XXXX XXXXXXXX Balance : {$440.00}.