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

XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Response to dipute DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : You disputed the following Personal Information on your credit file. Below includes the actions taken : Address updated You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. US DEPT OF EDUCATION VERIFIED AS REPORTED US DEPT OF EDUCATION VERIFIED AS REPORTED US DEPT OF EDUCATION VERIFIED AS REPORTED DEPT OF ED / XXXX VERIFIED AS REPORTED DEPT OF ED / XXXX VERIFIED AS REPORTED DEPT OF ED / XXXX VERIFIED AS REPORTED Maintenance was performed on the following accounts and/or public records. DEPT OF ED / XXXX DELETED US DEPT OF EDUCATION DELETED FAIR COLLECTIONS AND OUT DELETED Dear Sir or Madam : This is not a dispute. I am a victim of Identity theft. Please do not act in violation of the FCRA 605b. As the consumer I have done my part in reporting this to all necessary authorities including the FTC & Local Police ( Reports are included in this package ). My signature on the FTC & Police reports serve as my sworn statement. 

The information listed below appears on my credit report, but I did not make or approve of these transactions. 


I did not authorize the following inquiries : XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following accounts are a result of Identity theft : XXXX XXXX CREDENCE RESOURCE MANA XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$1800.00} XXXX {$1800.00} XXXX - {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX  History : XX/XX/XXXX ; XXXX ORIGINAL CREDITOR : XXXX XXXX  Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notice to all businesses that supplied this information. The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to also promptly notify the businesses that sent you that information I have enclosed a copy of my credit report and circled the fraudulent items on the report. I have also enclosed a copy of my Identity Theft Report, a copy of my Police report and proof of my identity. I appreciate your prompt attention to this matter. 

My Phone : XXXX ( Please include on fraud alert ) Please send me a letter after you have blocked the information from my credit report and sent notice to the businesses involved. 

XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Checking or savings account

Greetings, I opened a XXXX XXXX XXXX' checking & saving accounts with XXXX Bank on XX/XX/XXXX. At the time, XXXX was offering a {$250.00} bonus for opening & funding new XXXX XXXX XXXX XXXX XXXX  accounts, provided certian conditions were met. I met those conditions yet did not receive the {$250.00} bonus. I've contacted XXXX several times and have been advised that the matter is under investigation but never receive a cofirmation of the monies due. 

According to XXXX 's terms & conditions, in order to qualify for the {$250.00} bonus, one must receive ( 2 ) direct deposits of at least {$1000.00} within a 90 day period from account opening. I submitted deposits as follows : XX/XX/XXXX : {$1000.00} - XXXX XXXX | XXXX Distribution XX/XX/XXXX : {$1000.00} - XXXX XXXX XXXX XXXX Distribution As I've fulfilled the required as stated per XXXX 's terms & conditions, I respectfully request XXXX credit my account XXXX with the {$250.00} bonus I am due. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2022 at approximately XXXX XXXX XXXXXXXX I received text notifications from Chase ( XXXX ) notifying me that 3 consecutive ATM withdrawals had occurred from my checking account in the amount of {$1500.00}, {$1300.00}, and {$120.00} which effectively dropped my account balance to a few dollars. At this same exact time I was at work in XXXX, TX and the crime was happening in XXXX XXXX TX 3.5 hours away from me. I called the non-emergent XXXX XXXX PD number to report the crime at which I was told that because I lived in a different County I had to report it to my authorities even though the crime did not occur within XXXX XXXX ( Report number XXXX ). XXXX XXXX Sheriffs Department then told me the opposite, that I had to work with XXXX XXXX PD. 

As it relates to JP Morgan Chase, I notified them of the fraud and froze my accounts immediately that day on XX/XX/2022. After speaking with them I was told that the account was accessed through XXXX at an ATM through my Mother 's parent account which has access to my account and my sisters. They, too, had their accounts drained the same day and around the same time. My mother was at work in The XXXX, TX and my sister was at work in XXXX, TX when this crime was occurring. Chase told me they would look into it. Over the course of 4 months and varying calls, they investigated my claim around 4 times, each time stating they could not verify it was fraud. At the same time, the other 2 accounts impacted, my Mothers ' and my Sisters ', were verified to have been fraudulently accessed and Chase returned them the money that was stolen from them. 

There is a disproportionate and inequitable level of response and treatment here from Chase for the same crime. If money was returned to the other 2 accounts impacted by this crime, then how they continue to deny me is an error in their process and workflows. Chase has now closed my account, but has begun the collections process to try and get me to pay them the money that was stolen from me ( {$2900.00} ). My account went negative shortly after the crime, because my mortgage and other bills that are auto-drafted hit my account. Having been the victim of one crime I am now being asked to be double-victimized and be out {$5800.00} ( once for the money that was stolen, and now to repay Chase money that was taken from me ).
Product: Credit card

I am writing to file a complaint against discover regarding fraudulent charges on my credit card account. Below are the details of the situation : Account number ( last four digits ) : XXXX Fraudulent charges : There were several unauthorized charges on my account that i did not make or authorize. Unfortunately, i do not have the exact dates of these charges but they were noticed after i lost my card and reported a fraud alert.

Account Status : Discover has closed my account due to the fraud claim, but the fraudulent charges were not fully removed and i am still responsible for repaying the balance, which is causing significant financial strain.

Fraud claim status : I filed a fraud claim with discover, but the issues has not been resolved yet. Despite this, the fraudulent charges remain on my account, and i am struggling to repay the balance as a result.

These unauthorized charges are affecting my financial stability, and despite my efforts to resolve this matter directly with discover, the situation remains unsolved.

I am requesting that discover, remove the fraudulent charges from my account immediately, credit the amounts of the fraudulent charges back to my account, consider enrolling me in a hardship program while the investigation is ongoing, ensure that my credit score is not adversely affected by these fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a fraudulent account where charges were made on XXXX XXXX XXXXXXXX account for months now. Finally XXXX has removed and deleted this account off my credit report. I disputed this also with XXXX numerous times and it is still appearing as an adverse account on my XXXX   credit report. I have submitted proof plus the fraud form and the disputed item but XXXX   is still currently reporting it. I am getting to the point where I have been more than enough patient with XXXX and transunion in resolving this issue as it is causing me a hardship in obtaining substantial credit with this account on my credit report. I did NOT do these charges and I am at the point of obtaining legal advise in suing XXXX and transunion for ruining my creditworthiness as they are not correcting this problem.
Product: Debt collection

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.
Product: Checking or savings account

Both my mom and I havent received our direct deposit checks. Since Tuesday they said they are having a issue and it wouldve been in our accounts by Friday i have bills to pay and places to be i dont have no money they are holding everything i got
Product: Credit reporting or other personal consumer reports

I am submitting a compliant against Equifax for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( XXXX  ). Despite providing the necessary documentation to prove the inaccuracies, Equifax has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( XXXX XXXX. XXXX ( b ) ) and conducting a proper reinvestigation to remove the errors within the required XXXX period ( XXXX XXXX. XXXX i ( a ) ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX reported my XX/XX/2023 mortgage payment as late to XXXX. My XXXX payment was made on time ( XX/XX/XXXX ) and in full ( {$1900.00} ) as reflected on XXXX  XXXX XXXX 's own ledger ( attached ) and my bank statements ( attached ). I reached out to XXXX  XXXX XXXX on multiple occasions ( by phone and in writing ) to ask for a correction but they refused. I disputed the late payment with Equifax and received notification that XXXX  XXXX XXXX had verified the information as being reported correctly. The late payment is still reflected on Equifax report and both Equifax and XXXX  XXXX XXXX refuse to make this right. This is ruining my credit and preventing me from obtaining the credit I need to provide for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to submit information to the credit bureaus but I'm not getting a response at all.
Product: Credit card or prepaid card

Discover XXXX discriminated against me going against the Federal Law pursuant to Equal Credit Opportunity Act 15 U.S. Code 1691 1. In order for Discover to even let me put in an application I was already approved. Once I gave Discover my application, It was Approved. and they ran it, legally can not deny me credit because they don't have credit to give. I the consumer am the creditor and I am extending you credit pursuant to 15 U.S. Code 1691a ( e ).

2. I was denied due to defamatory claims made by a credit reporting agency ; which according to congress is a scam. The Congress has stated that Credit Reporting Agencies, are a scam pursuant to 15 U.S. Code 1681 ( 2 ) which states : An elaborate me
chanism has been developed for investigating and evaluating the consumer credit worthiness, credit standing, credit capacity, character, and general reputation of consumers ; 3. Congress has also stated that Credit Reporting Agencies are assuming a vital role in assembling and evaluating consumer credit Pursuant to 15 U.S. Code 1681 ( 3 ). Therefore youre only making pretend youre important or have a vital role without any proof ; 4. Furthermore, Congress has stated Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect for the consumers right to privacy. By you reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974 ; 5. Notice that Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner that is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information. XXXX  are not meeting my needs as a consumer or being fair and equitable by reporting inaccuracies on my consumer file ;
Product: Vehicle loan or lease

Vehicle was a total loss on XX/XX/2022. XXXX was the primary insurance company and Ally carries the XXXX insurance. XXXX paid off the bank. Ally is refusing to accept the Vehicle Valuation Form from XXXX. This form has been submitted XXXX or XXXX times and after a few days of delay each time they reject it with no reasoning given. Only twice have they even sent a notice that they were rejecting it. Again, not noting the reason. After a few calls, I finally got someone there to tell me it's because of the lack of financial information on the valuation. This form they're requesting comes from XXXX, and I have ( nor they ) have any control over it. XXXX 's claims XXXX was familiar with this and stated " Ally does this ''. So apparently it's not uncommon, and appears to be a delay or denial tactic to get out of paying. All - EVERY single one - of the amounts they were requesting on the sample document were included on other forms that Ally ACCEPTED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft, I filed a Report Numbered : with the FTC and the XXXX  is the only Bureau that is still reporting the fraudulent account, every time I call stay on phone for hours they keep on giving me the runaround. 
it s a Citibank credit card account opened fraudulently.
Product: Credit card

Quicktrip has offered gas station card through UMB Bank. I held a card which was paid in good standing. They switched provders to XXXX XXXX XXXX XXXX XXXX earlier this year. I changed where I am sending payments and monthly statements provided by XXXX XXXX XXXX XXXX XXXX show my account is laid. But I am now receiving collections letters from UMB Bank saying I owe on my Quiktrip account. What gives?! I have paid every statement I 've gotten!
Product: Credit reporting or other personal consumer reports

I've been a XXXX XXXX  client for probably close to 20 years. And there has never been a single late or missed payment on that account for at least a decade ( if ever ). 

On an tangent note, I haven't had a single missed or late payment on any credit source for at least 10 to 15 years. 

I had a XXXX percent balance transfer that was coming due and they emailed me a " valued customer payment plan. '' It reduced the fees and extended the payment length. It sounded like a nice option, so I accepted and continued to make the same monthly payments that I already automated from one of my banking accounts ( wells fargo ). 

Fast forward a few months and my credit report was hit was an alert. It was stating that I missed three consecutive payments which reduced my credit score by nearly XXXX points. 

I reached out to remedy and they stated that was " the penalty for accepting the new plan '' and refused to adjust. I tried to get Experian to challenge and they rejected them as well. 

I had the cash to pay the entire amount at the time it was due. This is a terrible and downright fraudulent business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I discovered a false account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Product: Debt collection

This is regarding XXXX Florida XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. On XX/XX/2022 I went to the hospital for pains in my chest and having trouble breathing. i told the nurse that I did not have insurance so only wanted what I needed to find out the problem. She told me because I wasn't working and had no insurance I would get Medicaid the hospital would file. They did an x-ray, had a Dr. come and see me also did another procedure. I said I didn't want x-ray as I did not have insurance, she said I needed to after being there for almost 3 hours. It was nothing and I had no answers. Two days after I was home the hospital called and notified me that I had to apply for Medicaid, I did and I was denied. I applied for help through a heath assistant program but have not heard anything and I have made several attempts and filled out a form and sent in paper work showing I was unemployed. I would like the debt creditors to stop calling and contacting me. I am willing to pay a bit toward this however, I feel there was negligence on the part of the hospital telling me I would receive the benefit and I did not. I also believe that I did not need all the procedures they did seeing there was no end result to my problem other than maybe something I ate or gas. Please take this matter into consideration as I am disputing all of the charges ad would like a realistic balance. Thank you for your attention to this matter.
Product: Debt collection

I received a call from COLOMBIA DEBT RECOVERY DBA GENESIS on XX/XX/2022. A rep for the company stated that " I have a past due balance in the amount of XXXX for an apartment lease with XXXX XXXX XXXX ''. I notified them that I am not the individual whom they are looking for and i requested that they validate that they have the correct individual by verifying the name, social security number and Dob And drivers license number. The confirmed that the LICENSE PRESENTED AT THE TIME OF THE LEASE SIGNING WAS NOT MY LICENSE. However, the social that they were presented with was my social number and dob. I requested for them to reverify and remove this fradulent account from my credit report and they denied.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item that I am asking you to verify as accurate : XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 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. 

XXXX was paid off on XX/XX/20
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and experian has a public record on my credit file this according to 15 usc 1681 ( a ) these companies reporting XXXX public record which is a private matter on my credit file and i would like it completely removed. please help me with this matter.
Product: Credit card

Fifth Third Bank has lowered my credit limit creating a large point score loss because the balance to high credit ratio has gone over 80 %. I opened this account earlier this year. At that time the banker told me my credit score was XXXX. Fifth third ran a retrospective analysis ( I will discuss this in a moment ) that showed my new score XXXX points higher. They lowered my limit. I have never missed a payment with them. 
I worked in middle management with XXXX XXXX and XXXX. I hired XXXX XXXX to build a point score for my company BEFORE they built the ones for the Bureaus in XXXX. I know the scoring system. A retrospective analysis allows them to run their portfolio against the data base to see major changes in payment activity and score reductions and change limits accordingly. MY SCORE WENT UP. 
They were the ones giving me a notice that my score is now XXXX on the letter indicating the reduction in limit. This action has lowered my score to the XXXX. In other words, through no missed payments with this company, they have now subjected me to higher interest rates on loans, potential credit line reduction at other companies and continued score drop. 

I will be suing Fifth Third for this theft of my funds and hardship they have put on me even though I have lived up to my agreement with them.
Product: Mortgage

Presently I have my mortgage loan with Ocwen Loan Servicing ( Loan No. XXXX ). For the past few years, I did have the same loan w/ XXXX under Obama 's mortgage program for low Income families, Ocwen purchased my loan from XXXX few years ago and they purchased it under same terms that I had with XXXX . 
Since XXXX of 2015, Ocwen has been harassing me regarding to buy Home Owner Insurance for my unit from them for the amount of {$740.00} per year. Ocwen is fully aware of our Townhomes Insurance policy for the past few years, suddenly they want me to buy insurance from them for interior walls and contents in my unit, and I believe Ocwen 's decision and attempt in this matter is illegal and unreasonable since they bought the loan from XXXX as it was. 
I have had to speak to Ocwen reps a few times and I did mail the Certificate of Liability Insurance to them but Ocwen is still harassing me, with Certified mail and they have not been reasonable.