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

My bank account was compromised, my identity was stolen, and my XXXX was cashed out without my consent. They also filed taxes in my name, leading to my tax return being rejected. When they hacked my account, they made false reversal claims, and once the money was in my account, they withdrew it and transferred it elsewhere, along with making unauthorized charges and ATM withdrawals. My identity has been misused in various ways, and this entire situation has resulted in unpaid balances and additional fees for things I've already settled. Now, the bank keeps denying my claims, causing my new account to be overdrawn. The bank even took money deposited by my employer to cover this overdraft, leaving me with no funds to pay bills or access my money. Completing the identity theft packet from XXXX and the FTC is challenging because of all this. 

The IRS was unhelpful, and Social Security 's request for a new social security number has also been frustrating. This situation has led to me missing numerous workdays, and I still have no resolution. I dont get paid when Im not working, which means I cant sell to customers while Im dealing with this issue. This identity theft and bank hack could cost me my job and result in my eviction from my apartment.

A few days ago, I consulted with a lawyer, but it seems they are now ignoring my messages. I've already placed a freeze and set up fraud alerts on my credit reports with all the credit agencies. 

The bank is Chase Bank. They told me that the PIN was used, which gave them access to my entire account. I pointed out that my account showed a device labeled as a XXXX XXXX device, but I dont own any XXXX XXXX XXXX, or Android products ; I only use XXXX products. Despite this, they have not taken any action. For the second time, XXXX has taken a direct deposit from my employer, leaving me without any funds. 

The credit agency reports indicate that my identity is listed on the dark web, and I've also received letters in the mail from medical or hospital bills stating that there have been data breaches. These are from medical companies I have never heard of either. 

I spoke with a XXXX Police officer, But they weren't very helpful. They lack effective resources and don't know who to pursue. I reviewed their identity theft packet online, but it was unhelpful. The XXXX Police officer mentioned that the case was too large for them and advised me to go to federal authorities since it involves multiple locations, including the draining of my XXXX accounts. 

I was advised to go online since it appears that everything must be done online these days. I'm not sure why, especially considering the identity theft incident, But the IC3 is quite confusing to complete, similar to other ones I've encountered.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have noticed some unauthorized and fraudulent inquiries on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Fair Credit Reporting Act, 15 U.S.C . 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is a violation for credit reporting agents to report inaccurate information and I have requested a re-investigation for creditor XXXX XXXX XXXX XXXX but this account is still being reported with incorrect and unverified payment history and account activity dates. This account shows obvious inconsistent incorrect payment history but the reporting agent ( s ) are still reporting inaccurate information after confirmed the account was verify. If the creditor will not verify by sending billing statements, itemize billing and payment history to be accurate and that all account required dates to be correct, please cease this account from my credit reports because of nonfactual unethical reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> THIS CFPB COMPLAINT HAS BEEN FILED TO REQUEST PURSUANT TO FCRA 605B ( 15 U.S.C 1681c-2 ) THAT YOU, THE CREDIT REPORTING AGENCY, BLOCK INFORMATION APPEARING ON MY CONSUMER CREDIT REPORT THAT IS THE RESULT OF IDENTITY THEFT AND FRAUD WITHIN 4 BUSINESS DAYS OF YOU RECEIVING THIS COMPLAINT. THIS FRAUDULENT, INACCURATE, AND FALSE INFORMATION CONSISTS OF A PERSONAL AUTO LOAN WITH XXXX XXXX XXXX UNDER ACCOUNT NUMBER XXXX THIS ACCOUNTS HAVE RESULTED IN SEVERAL FRAUDULENT HARD INQUIRIES AND FRAUDULENT COLLECTIONS/CHARGE-OFF APPEARING ON MY CONSUMER FICO CREDIT REPORT. I'VE ATTACHED A LIST OF THE HARD INQUIRIES IN QUESTION AS WELL AS A COPY OF THE ITEMS. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS/CHARGE-OFFS AND HARD INQUIRIES APPEARING ON MY CONSUMER CREDIT REPORT MAINTAINED BY YOU WERE NOT OPENED, MADE, OR INITIATED BY ME. ALL OF THE AFOREMENTIONED ACCOUNTS, COLLECTIONS/CHARGE-OFFS AND HARD INQUIRIES ARE THE RESULT OF IDENTITY THEFT AND FRAUD. I HAVE ATTACHED A COPY OF A FTC IDENTITY THEFT CRIMINAL COMPLAINT AS PROOF FROM THE US FEDERAL TRADE COMMISSION THAT ALL OF THE AFOREMENTIONED CONSUMER CREDIT ACCOUNTS, COLLECTIONS/CHARGE-OFFS AND HARD INQUIRIES ARE THE RESULT OF IDENTITY THEFT AND FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/202XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has not been reported to the bureaus since my last complaint filed against Carmax with this office. The account is now paid in full and it is still reflection open and with a balance.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX, XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have 2 different deragatory marks on my credit report that I am disputing because they are false One on the XXXX end for {$3900.00} and one on the XXXX side for {$2100.00}. I have paid and continued to pay the direct hopsital on these bills that have since been reported on my credit. I am NOT DELINQUENT. I have contacted Gold Key directly to get assistance in having this lifted off my credit report and I never am contacted back, and was hung up on when I explained the error.
Product: Money transfer, virtual currency, or money service

I transferred my financial accounts, including stocks, cash, and cryptocurrency, from another platform to Robinhood due to poor service and metrics issues with my prior provider. After a month-long transfer process, I began using Robinhood successfully for about a week. However, my account was soon restricted without notice, preventing me from accessing my money, buying stocks, or conducting any transactions.

Robinhood 's app displayed a banner instructing me to verify my identity. I submitted the requested documentation ( photo ID and face verification ) and waited for their review. I later missed a single call from Robinhood due to work obligations but was never informed explicitly that a call was required to resolve my account status. 

Subsequent attempts to reach Robinhood have been fruitless. I waited on hold for customer support for 10 hours over two separate calls ( 4 hours and 6 hours ). Both times, the calls disconnected when I reached the first position in the queue. I also attempted to contact them via all available avenues, including in-app chat, email, and social media, with no resolution or meaningful response. 

This restriction has caused severe financial hardship, as I was unable to access my savings during the XXXX holiday to cover essential expenses such as food, mortgage, utilities, and other bills. Despite my repeated efforts to resolve the issue, Robinhood has not provided any updates or clarity regarding the restriction or its timeline for resolution. 

I seek immediate assistance in restoring access to my funds and resolving this issue.
Product: Credit reporting or other personal consumer reports

This is my several 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, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

Upon checking my credit report this morning, I found unauthorized inquiries and I'm unsure why. My regular check revealed unexpected discrepancies, and refreshing my browser didn't help. Therefore, I'm asking for a detailed review of the documents I've submitted to ensure this issue is resolved.
Product: Checking or savings account

On XX/XX/XXXX made a deposit of {$3400.00}. On XX/XX/XXXX made deposit of XXXX. On XX/XX/XXXX after deposit i paid tjree bills that Wells said would be delivered XX/XX/XXXX. On XX/XX/XXXX they sent me an e mail that I had XXXX money in account. I called XXXX XXXX and XXXX XXXX and they did not have payment but Wells took the money out of my account and took money from my savings for overdraft. They have been doing this and charging a {$12.00} fee. I did not realize it. So they are taking my money out of account before creditor receives and then charging me.
Product: Mortgage

Wells Fargo Mortgage stated I refinanced my home in XXXX. That is not true. I refinanced that home in XXXX for 15 years. I was not eligible to refinanced that home again with a VA loan because it was not my primary resident. My loan was sold to Wells Fargo and they refuse to listen to me. The paperwork that they sent me is not official it has a signature without other information.
Product: Money transfer, virtual currency, or money service

identity you and your account. 
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

Good morning my name is XXXX XXXX Ive made a complaint already so this is junction to that complaint. Complaint id XXXX. Please read that complaint to be informed. Now XXXX XXXX  is asking me to contact Bam trading services inc, for a notarized statment from the paye that the wire transfer is valid and that it will not be requested back by hold harmless letter! Ive been going over this for the past 4-5 months please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Was denied the right to write a check at XXXX due to Telechex. While reviewing the information found they are claiming two checks have been returned but have not been but were paid by my check. As of Friday XX/XX/2023 XXXX thru Telechex tried to send a check again thru my bank with the same check number which had already been paid. But with different amount. As well as numerous of inquiries which are not mine please remove these
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act.This list of accounts below has violated my Federal protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
Account XXXX XXXX XXXXXXXX acct # XXXX Account XXXX XXXX XXXX Account # XXXX ACCOUNT XXXX XXXX Serv Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Account XXXX XXXX XXXX Account # XXXX has Violated my Rights. 
15 U.S.C 1681 section 602 States I have a 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 with out 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.other then conviction of crimes which antedates the report by more then seven years.

15 U.S.C 1681s2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate.
Product: Checking or savings account

XX/XX/XXXX - deposited a XXXX XXXX bill pay check from my son in the amount of {$46000.00} in my SunTrust checking account. On the bank check it had a telephone number to call with questions. 
XX/XX/XXXX - notified that SunTrust had flagged the {$46000.00} and sent the check to their fraud unit. They also closed both my checking and money market accounts. I had no access to any of my funds for weeks ; couldn't pay my monthly bills and mortgage ; had to take out a loan. Made many phone calls and visits to the branch to find out the status. No on could tell me why they were holding the check or when it may be released since it was NOT fraud. I finally received checks for the balance of the money market and checking account minus the {$46000.00} XX/XX/XXXX - Spoke with XXXX at SunTrust ; told me the check was on hold, possible recall but had no further information and could not refer me to anyone who might tell me what was the issue. I don't know where to turn ; I'm beside with worry because no one will help me. I'm facing serious tax consequences, which I can't afford, because I'm on Social Security, if I don't receive the {$46000.00} by XX/XX/XXXX.
Product: Checking or savings account

Truist is holding my check for no reason. I deposited a printed check in the amount of {$1300.00} after my account was 90 days old, the check got put on an administrative hold which means someone physically put a hold on it it wasnt the system. The bank refuses to credit my account temporarily in the mean time and they will not give me any information regarding my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dont recognize/ old sold vehicle XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Us bank- XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent information to XXXX on several occassions regarding a home that I sold in XX/XX/XXXX.They corrected it and then it appears back on XX/XX/XXXX .report # XXXX. They ( XXXX ) states that a creditor received a deed ( CRD  ) what creditor.Foreclosed I have never lost a house as XXXX XXXX XXXX was paid and also requested XXXX  and to take the word Foreclosure off my record. That was done by XXXX   XXXX  @ Executive Mortgage Complaints Office of Executive Complaints XXXXXXXX XXXX XXXX, ( see attached ) .Voluntary Surrender ( What ) as I have never volunteered anything. Repossession ( What ) I have never had anything repossessed ( paid by creditor ( WHO ) Insurance Claim ( WHO ) The only Insurance Claim I had was an illegal tenant that XXXX  and a joint company paid. The following jury trial I was awarded XXXX.I have never filed any claim against the government that I know of.Defaulted on Contract of ( What ). None of these current accusations have appeared in the past so what prompted all of this was it because I am involved in a Class Action Lawsuit.They show Collection ( What Collection and what time and date.Charge Off by who was it XXXX? ) for a tail light? .They say too many Inquires well XXXX   requested 4 times and 4 times for what as XXXX had a freeze on my account on XX/XX/XXXX that caused me not to be able to purchase a washer and dryer at XXXX XXXX on XX/XX/XXXX reference number # XXXX. XXXX XXXX phone # XXXX. ( XXXX I don't and didn't ask for this so why didn't they take the time to call when these inquiries are lowering my scores.The Collusion of these reporting agencies and the consumers inability to talk to someone should be curtailed. The Internal Revenue request and XXXX  says that they have no number. Come on The IRS.And XXXX  Inquiry on XX/XX/XXXX for what?.
Product: Debt collection

I have requested verification of debt that I do not owe and the company will not send me this information however they keep sending me letters for an account that is not mine.
Product: Credit reporting

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXransUnion Consumer Solutions XXXX XXXX, XXXX XXXX XXXX I recently submitted a request for investigation of an Acct Number : XXXX # XXXX XXXX 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/XXXX in question. Sending out a generic form through the e-Oscar system that does n't even contain my reasons for the dispute is not reasonable. My correct name is XXXX XXXX NOT XXXX XXXX XXXX THOSE ACCOUNT DOES NOT BELONG TO ME I NEED THEM REMOVED OF MY CREDIT PROFILE If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$10000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you. XXXX, XXXX SOC SECXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 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 and according to 15 U.S.C. 1681eb they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 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 mor 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

A forged check in the amount of {$6600.00} was drawn from our company account on XX/XX/2019. This was brought to the attention of our bank, Wells Fargo Bank when the account was reconciled. Despite numerous requests Wells Fargo has not been helpful in resolving the issue by claiming : 1. no responsibility in clearing a check that was totally out of sequence ( our last check was number XXXX and the check presented was number XXXX ) ; 2. the crime was brought to their attention more than 30 days after its occurrence ; 3. that it can not reveal whether the perpetuator of the crime was still an account holder at Wells Fargo ; and 4. that it is not Wells Fargo 's responsibility to help resolve this crime.