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

XX/XX/year>, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that is the case, how did the credit bureaus verify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureau violated my given rights under 15 USC 1681.

According to : 15 USC 1681 section 602 A. States I have the right to privacy.

According to : USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

According to : 15 USC 1681-s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the information is in accurate. 

Also XXXX has deemed it unverifiable and it is not displayed within XXXX consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a medical bill that was assumed by myself in the amount of {$420.00} that was paid in full. I disputed the claim after the creditor agreed that I would pay the amount to delete from my credit report. After waiting 60 days, I contacted the bureaus ( XXXX, XXXX, Experian ) again. The reason am I now filing a complaint is they have notated my account falsely and severely hurting my chances of obtaining new credit. 

They have put remarks into my account that I have received " Personal Receivership - Repayment by Court Trustee '' in paying this debt. NOT TRUE. I have NEVER even been to court, let along filed bankruptcy. I have no record of any other collection except for this account amounting in {$420.00} that I paid and submitted receipt for from my XXXX card. 

When I bought my vehicle 2 months ago, they came back to me about a bankruptcy!!! I was appalled! I have called the bureau several times, and disputed this account 4 times now. I will be obtaining a lawyer and moving forward with this, as this is hurting my livelihood. I have worked hard to earn the credit that I have, and now this is slamming me and my integrity into the ground. I have attached receipt to original debt that I paid with my XXXX card.
Product: Checking or savings account

On the XXXX and XXXX of XXXX around XXXX was withdrawn from my SOFI bank account without my knowledge to XXXXXXXX XXXX XXXX. Someone apparently either got my checking information or opened an account in my name. I reported this to SOFI but I am not confident they are handling this in an expedited way. I need that money for various life things like rent and I do not understand how let they let that withdrawal happen in the first place,
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I have been contacting Navy Federal Credit Union since the beginning of XX/XX/year> regarding a fraudulent account that was opened under my name. Despite multiple attempts to dispute this, my claim continues to be denied. 

A car loan in check form for {$86000.00} was issued under my identity without my authorization. My identity was stolen, and a total of {$600000.00} in auto loans has been fraudulently taken out in my name across multiple institutions. I have already filed an FTC Identity Theft Report and am actively working with a detective to investigate this matter. 

Navy Federal approved and funded this loan without properly verifying my identity. This vehicle has been confirmed to be overseas in the XXXX XXXX since XX/XX/year>, yet the fraudulent loan under my name was granted in XXXX XXXX after the car left the country. Additionally, multiple financial institutions, including XXXX XXXX, have verified the fraud, acknowledged the issue, and have been assisting me in resolving their respective cases. 

Navy Federal, however, refuses to even update my address so I can receive correspondence regarding my appeals. Each time I call, I am never allowed to speak directly to a fraud specialist. I am requesting immediate assistance in demanding that Navy Federal conduct a full and proper fraud investigation as the other eight lenders have done.

I will not be held responsible for a vehicle I never applied for, never took possession of, and never authorized. The loan was approved using fraudulent addresses and falsified employment information that clearly does not belong to me. Given the severity of this case and the overwhelming evidence of fraud, I demand a thorough review and immediate action from Navy Federal.

Please escalate this matter immediately, as my financial security and credit standing have been severely impacted by Navy Federals failure to investigate this fraud properly.

I expect a written response outlining the next steps to resolve this issue.
Product: Credit card or prepaid card

I received notification from the credit card company ( citibank ) that my account had been closed. After contacting them to inquire on why the account was closed, they informed me that it had been closed at the request of myself. I had never requested closure of this account so now my concern is my identity has been stolen and someone is making decisions at my behest. I asked the company to provide me with the documentation or phone recording of when this closure was approved and they have disconnected me and gave me no help in identifying how this happens. They have also refused to reopen my account after I informed them that I was not the person who requested the closure. At this point my concern is someone has my identity and the company will not help me in finding how this happened
Product: Checking or savings account

So on top of the XXXX discrimination regarding the theft of funds from the bank account I previously held with this institution from the Bank of America to Bank of America transfer done by my friend and cousin to my account to pay back funds that were borrowed, the higher ups in the account closure team have consistently lied to me on three separate occasions about funds that was owed to me that they say was mailed out to me at my address was not actually mailed out to me at all. This bank keeps putting its own foot in its mouth regarding any of my stolen funds that was done on behalf of this institution. This is crazy to really have people waiting over a year and a half for an investigation and when they cant find any wrongdoing they still wan na hold and keep my money so they can use to invest in their own way to make more money? The bank keeps telling me about a hold harmless account which if my funds were harmless they wouldve been sent back instead of being frozen so that they could use it for the own gain. And than when I voice my opinion on the matter on XXXX they get my account blocked because people were agreeing with me. This is grand larceny at its finest being done by a big institution. I will definitely be screenshotting and recording everything from now on regarding this situation and the false information being provided towards the resolution.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally complain about TransUnion, XXXX, and XXXX 's repeated failure to process multiple mail-in disputes I have submitted since XX/XX/year>. Despite providing all necessary identification and documentation, TransUnion has consistently cited verification issues without specifying any additional documents required to complete the verification process. 

Background : Dispute Submissions : Beginning in XX/XX/year>, I have mailed several dispute letters to TransUnion, XXXX, and XXXX in 40-day increments, each accompanied by copies of my government-issued identification, Social S

ecurity card, and proof of address. Credit Bureau Response : In each instance, the cred
it bureaus responded by stating that they could not process my disputes due to verification issues. However, they have not requested any specific additional documents or provided guidance on how to resolve these purported verification problems. 

Applicable Fair Credit Reporting Act ( FCRA ) Violations : These automated responses appear to violate several provisions of the FCRA, including but not limited to the following : Failure to Conduct a Reasonable Reinvestigation ( 611 ( a ) ( 1 ) ( A ) ) : The FCRA mandates that upon receiving a dispute from a consumer, a credit reporting agency must conduct a reasonable reinvestigation to determine the accuracy of the disputed information. TransUnion, XXXX, and XXXX 's refusal to process my disputes without adequate explanation or guidance fails to meet this obligation. 
XXXX XXXX XXXX XXXX to Provide Notice of Dispute to Furnishers ( 611 ( a ) ( 2 ) ) : The FCRA requires that a credit reporting agency notify the furnisher of the disputed information within five business days of receiving the dispute. By not processing my disputes, TransUnion, XXXX, and XXXX have neglected this duty. 
XXXX XXXX XXXX XXXX to Review and Consider All Relevant Information ( 611 ( a ) ( 4 ) ) : The FCRA obligates credit reporting agencies to review and consider all relevant information provided by the consumer in the dispute process. Despite the comprehensive documentation provided, TransUnion, XXXX, and XXXX 's blanket refusal to process my disputes indicates a failure to comply with this requirement. 
XXXX XXXX XXXX Request for Assistance : I respectfully request that the Consumer Financial Protection Bureau investigate the handling of my disputes and take appropriate action to ensure compliance with the FCRA. Additionally, I seek guidance on how to proceed with my disputes to ensure they are processed in a timely and fair manner. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I called to request TD Bank who operates the Target XXXX Card for a balance letter faxed to my personal fax. They refused and told me they only fax those types of letters directly to banks or mortgage companies. They would mail it to me. I need that letter sooner as I am needing to send it to the credit bureaus so that my correct balance is reflected on my credit report. I can't believe they won't provide that service to a customer. I have had that card for about 4 years. Increasing my credit rating helps me to get better interest rates and saves me alot of money. They could care less. It is despicable that with all the interest that I pay them they can't do a simple request for me. To send that letter to the credit bureaus and have the credit bureaus update my information and score as quick as possible is very important to me. I had 6 other credit card companies fax me a balance letter. TD was the only one that didn't. It is horrible to me that they could care less about me. I also was hung up on twice. It is my account and my information, why is it that difficult for them to send a letter to my personal fax number?
Product: Debt collection

Hello, This is a direct dispute of credit reporting. This is not a request for debt validation/verification under FDCPA 809 ( b ).

After reviewing my credit report I have found that XXXX XXXX purchased a debt from XXXX XXXX that I do not owe. Midland is reporting an inaccurate account and information to the credit reporting agencies regarding my account. I have disputed the debt multiple times to no avail. I have sent multiple letters of debt validation and have not received any definitive proof. I did not open these accounts that were purchased. XXXX XXXX is not reporting on any of my credit reports across any agency. I never signed anything or submitted my information to go into contract with either of these companies.
Product: Debt collection

Kason Credit claims I owe an amount of XXXX, this debt is medial debt, in which case, my health insurer, XXXX should have paid. Previously, XXXXXXXX XXXX  attempted to collect on this debt, appears to have sold account to Kason. The amount, {$830.00}, appears higher than previous, it appears Kason may have added on bogus fees for themselves.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXXXXXX Account # 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 instruction. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reporting containing any of the following items of information Any other adverse Item of information, other then 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

XX/XX/XXXX Consumer Financial Protection Bureau RE : Complaint against Chase Credit Card, XXXX XXXX XXXX, XXXX, DE XXXX and Chase Cardmember Service, XXXX XXXX XXXX, XXXX, IL XXXX To Whom It May Concern : I am filing this complaint against XXXX because they are corrupt and not listening to me. I entered into an agreement with them back in XXXX XXXX, whereby I would make monthly payments of {$44.00} on an account that has been closed for at least one year to date, account # XXXX XXXX XXXX XXXX. 

I received a paper statement from Chase in XX/XX/XXXX and noticed they were charging me interest on purchases and also charging me fees ( unstated ) on an account that has been closed. I called them to talk to them about this and they refused to help me when I asked them to waive the fees because Im no long authorized to make purchases on an account that is closed. I also told them with what they are doing my balance will never go down. So, since they refused to do anything to help me, I told them I will no longer make any payments on this account and they no longer have my permission to take money from my bank account. I also told them they can take me to court and I will tell the judge why I quit paying them. 

Today I checked my bank account and they have taken {$44.00} out of my checking account on XX/XX/XXXX. I have spoken to my bank and do not want to pay a {$35.00} stop payment fee ; however, I do not want them taking money from my account anymore. 

Supposedly their conversations are recorded ( at least thats what I heard when I called them to complain ). 

I need your help. I want them to refund my money back to my bank account. If they dont want to waive the interest charges and random fees on a closed account, I refuse to give them another payment. I am not wealthy and I do want my credit to be good again, but they are messing it up on me there too. They are doing hard inquiries on my credit bureau report which I never authorized them to do, and since they did that, my score has dropped 41 points. I think they need to do something to reverse this damage to my credit as well. I never authorized them to pull any of my credit bureau reports. All they are doing is further damaging my name. 

I will forward a copy of the paper statement that shows the new minimum balance of {$130.00} and has no mention of any payments made to date on this statement. It also lists the fees and interest charges on the bottom. This in my opinion is nothing less than pure greed and corruption. I will also forward the letters saying my account is past due, etc., and thanks for scheduling my next payment for XX/XX/XXXX ( this is fraudulent because I told them to stop taking my money out of my account weeks earlier ). 

Thanking you in advance for your help. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX
Product: Credit reporting or other personal consumer reports

This complaint is a notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct XXXX and XXXX ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. 

To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

Bureau : XXXX Creditor Name : AMERICAN EXPRESS Inquiry Date : XX/XX/2023 Reason : I don't recognize this inquiry Bureau : XXXX Creditor Name : AMERICAN EXPRESS Inquiry Date : XX/XX/2023 Reason : I don't recognize this inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax are reporting a chapter XXXX bankruptcy but XXXX is showing a XX/XX/XXXX discharge and Equifax is showing a XX/XX/XXXX filing. Neither is accurate. I dont have a discharge or a filed open bankruptcy. I went to the court and saw this information is not true. The clerk of the court said they do not give that info to the agencies either. Both companies said the saw on XXXX XXXX. I complained to XXXX XXXX, they changed it and recommended I freeze my file. I did last year. Both agencies have not removed. I even sent a copy of my XXXX file to them showing it is not on there. They are still quoting the XXXX XXXX file, I have demanded they forwarded me a copy of that report, they have not
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account opening originally with an online school, someone apparently obtained a loan in my name and all of a sudden this company nelnet is affecting my credit. I tried to dispute it and spoke with the company.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? 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 ) & 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 CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX
Product: Credit card or prepaid card

I recently received a XXXX license in the mail that I didn't request with updated personal information that is not correct or matching my existing XXXX , that has been reported to the DOL, FTC and Police. Some one had gotten into my on-line Bank account and updated my password, email and phone number. I received several denied requests to open bank accounts and credit accounts, and then I received a new card from " Cash App '' with my name on it, but I never requested it. I was unable to call and speak to anyone, it requires I give them the email, info, or supply additional information to speak to someone. 

I am positive this was opened by this person, the card seems to be used for cryptocurrency, etc. I want to make sure no transactions are happening with this tied to my identity or accounts.
Product: Mortgage

I changed my home owner insurance on XXXX because the insurance was way to expensive.I called the company which is vanderbilt mortgage.I told them i switch and want them to stop taking escrow out since i pay my own taxes and now my own insurance and they told me to cancel it and put in escrow.they took money in XXXX. and XXXX.I am on a fixed income and need the extra money which now stands at $ XXXX.they should not take the money when there is nothing to use it for.
Product: Vehicle loan or lease

On the morning of XX/XX/2018, the client, XXXX XXXX of XXXX, CT awoke to find out that this car, a XXXX  XXXX XXXX was missing from his driveway. Upon contacting the XXXX Police, XXXX XXXX was informed that his car had been repossessed during the night time hours. 

Later on the XX/XX/XXXX, XXXX XXXX received a XXXX package that included a notice from Chase that he was past due {$1000.00}. XXXX XXXX called Chase to make arrangements to pay the aforesaid sum but was advised that he now had to pay the entire value of the car, {$31000.00}. 

XXXX XXXX has hired my lawfirm to try to get his car back. Under Connecticut law, the Lessor has to give at least 10 days notice of the default and a cure period before attempting repossession. We have been unable to reach Chase so far.
Product: Mortgage

On the month of XXXX. My ex spouse made copies of social security card and driver. Made fake bank statements and paychecks. I was only living at the home we had gotten together for 2 weeks or a month. So I move out and back to my mother 's. We argue for months about the home. I want her to just buy me outfor my half. But she was thinking since I be behind payments in child support that I should just signing. I didn't want to just ha no
Product: Money transfer, virtual currency, or money service

i am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). 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 process 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 and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$3700.00} XXXX XXXX XXXX {$610.00} XXXX XXXX {$14000.00} XXXX XXXX {$140000.00}