23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I am a victim of identity theft. The Fraudulent Activity happened on XX/XX/2017 with a balance of {$1500.00}.
Product: Debt collection

I am writing to formally dispute the information reported on my credit report regarding the account referenced below. Upon reviewing my credit report, I noticed discrepancies that require immediate attention. 

**Account Information : ** - Creditor : XXXX XXXX XXXX  Account Number : XXXX ( last XXXX digits ) ** - Report Updated : XX/XX/XXXX **Discrepancies : ** XXXX. The account shows a close date of XX/XX/XXXX, which is incorrect as I was not born at that time. 
XXXX. The account also lists an opening date of XX/XX/XXXX, which can not be accurate. 

These conflicting dates raise serious concerns about the validity of this account. I believe this account should be investigated and subsequently removed from my credit report.
Product: Mortgage

I inherited the home from my mother and it had a loan on the home. I was paying the loan and received a call from PNC after the house was going through probate, telling me they forgave the loan. Then I found out that the bank filed foreclosure saying that my mother had no heirs and the house was abandoned. I was never notified of the foreclosure. I wrote the judge and the sale was stopped. Since XX/XX/XXXX I have been working with PNC to lower and work out payments but they still send everything in my mothers name. 
Now on XX/XX/XXXX I found out that the bank is up for sheriff sale again and once again I was never notified of the foreclosure process.and still getting letters from PNC bank saying that they are willing to work out payments with the heir of my mother.
Product: Credit reporting or other personal consumer reports

I have requested update of my personal address from all breaus with no change but XXXX I even called with no change. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2018, my wifes Capital One Mastercard credit card was stolen in XXXX, XXXX. We called Capital One immediately and cancelled the stolen card. Starting in XX/XX/2018, small charges ( {$0.00}, {$1.00}, {$1.00}, {$2.00}, etc. ) starting showing up repeatedly from three merchants : XXXX, XXXX XXXX ; XXXX ; XXXX. These entities are all associated with bridge/road tolls in XXXX, XXXX. My guess is that someone has setup toll accounts using my wifes stolen credit card.

As of XX/XX/2018, new fraudulent charges are being posted every few days despite my repeated efforts to get Capital One to stop these unauthorized transactions. All Capital One seems to do is post adjustments to my account after I call and dispute specific charges. Capital One claims that there is an ongoing investigation, but I have not received any mail, email or phone calls from any investigator ( as they claimed would occur ) concerning this investigation. How is it possible that Capital One can continue to process transactions against my account with a credit card that is acknowledged to be stolen?
Product: Credit card

I have a British Airways credit card from Chase. One of the card benefits is that if you spend {$30000.00} in one calendar year, you receive a companion Travel Ticket. 
To reach this {$30000.00} target by XX/XX/XXXX, I used the card on XX/XX/XXXX with a purchase of {$3500.00}. This made my XXXX total of {$30000.00}. 
Chase states my calendar year purchases only total {$27000.00} and they will not count the {$3500.00} purchase because in their system internally it posted on XX/XX/XXXX. However, the XXXX credit card statement sent to me by Chase from XX/XX/XXXX shows the purchase of {$3500.00} was on the date of XX/XX/XXXX. 
Their Terms & Conditions state " Cardmember must make {$30000.00} in Purchases in a single calendar year on their British Airways Visa Card to receive a Travel Together Ticket. '' The T & C does not specify posting date, only Purchases as defined in a single calendar year. 
I have fulfilled the requirement but Chase refuses to honor my claim.
Product: Checking or savings account

On XXXX XXXX, XXXX, a person named XXXX XXXX accessed my checking account and conducted 3 transfers from my account to her account. This person added themselves as a member to member payee on XXXX XXXX, XXXX at XXXX XXXX. At approximately XXXX XXXX, the following transfers were conducted to that persons account, {$280.00}, {$580.00}, and {$1500.00}. My spouse noticed the transactions around XXXX XXXX and we contacted Navy Federal Credit Union. Shortly after XXXX on the XXXX of XXXX we filed a claim with the fraud department, this claim would not be posted until XXXX XXXX on the XXXX. I spoke with a service representative around XXXX XXXX on the XXXX and they informed me that once the claim was assigned an investigator they would have 10 business days to complete the investigation and provide their findings. I called back on XXXX XXXX, XXXX and they informed me that an investigator had been assigned on the XXXX. We have called multiple times within that time frame and have not received any updates as to the projected completion of this investigation. I called this morning, which is 12 business days after the assigned investigator, and they informed me that it would be until the middle of next week until it would get completed. I am currently working on a written notice to Navy Federal Credit Union informing them that i require additional information and updates. During this whole situation they have not contacted me or my spouse to update us.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts in my credit report that are not mine. I have not authorized it.
Product: Checking or savings account

To whom this may concern : I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. As it is already over 48 hours of waiting for the bank to resolve nor have the bank issue a statement. 

Thank you, XXXX
Product: Credit reporting or other personal consumer reports

I called XXXX and Equifax to dispute several unverified, fraudulent inquiries from my consumer Report they told me I had to file a Ftc report and I have to send it in the mail to them before they can do anything. I will attach a copy of the information I asked them to remove. 
Name Requested On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I want this information removed.
Product: Mortgage

I applied for PMI deletion at Truist bank at the end of XX/XX/XXXX. I got the house on XX/XX/XXXX with a 5 % downpayment and 2.5 % rate of interest with zero points. prices have been sky rocketed after that and I have almost twice as much equity in my house. Also I have added a extra master suite to the house almost 265sqft which by itself increases the value by 20 %.

They declined the request to cancel my PMI and sent a letter saying that I can have a BPO ( Broker Price Opinion ) option done for {$150.00}. I sent a check worth {$150.00} to Truist for the BPO appraisal. 
It took them 45 days after following up everyday via phone calls to set up an agent to appraise my house. the agent appraised my house on XX/XX/XXXX. 

I called Truist to check status on my PMI deletion request and they mentioned that the agent is taking forever and its " processing '' at the moment. 

I reached back out to the agent and shockingly she revealed that her appraisal/valuation was rejected by Truist and they want to adjust/lower the valuation. ( that way they avoid my PMI deletion and me as a customer keep paying them for years to come ). 

So basically I have been paying the PMI for 3 months because of these systematic delays Truist is creating. 

And I do not even have the valuation report for which I paid {$150.00} and no call back or responses from Truist.
Product: Credit reporting or other personal consumer reports

XXXX Bank Credit Card was opened fraudulent without my consent. I have repeatedly asked XXXX XXXX to remove the account from my credit report. I completed an affidavit with them in the past and they still have not removed it. The account was opened in XX/XX/XXXX and Charged on XX/XX/XXXX. I need this removed from my credit report immediately!
Product: Credit reporting or other personal consumer reports

XX/XX/year>. My student loans were forgiven for Total and permanent XXXX discharge. Ive sent dispute letters to credit bureau. Ive called and they tell me it could take a year to be removed from my credit report. I am trying to buy a home but this will hinder my results. Please help!
Product: Checking or savings account

I have received the most recent statements dated XX/XX/22 and XX/XX/22 from Truist Bank for accounts that were fraudulently opened in my name. I do not live anywhere near this bank 's location and have never even stepped foot into a Truist Bank nor visited their website up until I started receiving these fraudulent statements in the mail. I have called Truist Bank 's customer service to report the fraud and am now be threatened with collections because the accounts have been " charged off, '' and the bank is telling me that I owe them for overdraft fees on an account that I DID NOT open.
Product: Credit reporting, credit repair services, or other personal consumer reports

My only name is XXXX XXXX, and my only address is XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I should not have XXXX XXXX XXXX XXXX on my credit report but it shows mutiple ones, names, and address that should not be there. My personal information is simply as stated : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX. 
NO OTHER NAMES, ADDRESS, JOBS, OR ACCOUNTS SHOULD BE ON MY CREDIT REPORT AND PERSONAL INFORMATION
Product: Debt collection

I sent out a Validation of debt letter out XX/XX/2021 and company responded back with No proof of debt validity. No signature, agreement and/or contract between the consumer and debtor.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block inc ) for inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash app failed to prevent scams and help resolve them once they occurred. This led to stress and financial loss. They even promised a chat which turned out to be nothing but leading to info we already had that sometimes did not even pertain to the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Chexsystems about FRAUD under my social security number and to investigate each reporting bank. I called and mailed them correspondence to dispute each item. I strongly deny these items. I told them the law was to provide me with copies of any documentation associated with these " [ items ] '' bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. 

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages. They stated they would not investigate and then they said investigation was done in XXXX YET I was not provided any documentation of any kind. 


The accounts below are what's reporting that does not belong to me THAT CHEXSYTEMS SAID THEY VERIFIED YET GAVE ME NO CORRESPONDANCE OF VERIFICATION. 



1. XXXX XXXX XXXX XX/XX/XXXX XXXX 2.  XXXX XXXX XXXX XX/XX/XXXX XXXX 3. XXXX XXXX XXXX XX/XX/XXXX XXXX 4. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 5. XXXX XXXX XXXX XX/XX/XXXX XXXX 6. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 7. XXXX & XXXX & XXXX XXXX XX/XX/XXXX XXXX 8. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 9. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Student loan

I pay XXXX per month for my loans. I can not afford this. The lender initially helped with income repayment and will no longer assist what so ever.
Product: Credit card or prepaid card

A credit card account with Wells Fargo bank was fraudulently opened by ex-husband with Wells Fargo Bank. It did not come to my attention until years following our divorce. I made repeated efforts to have me removed from and close the account. 

In XX/XX/2017, I received an {$85.00} dollar payment from Wells Fargo for damages with reference too the unauthorized account and the accounts were removed from the credit reporting agencies. 

This week I received a letter from Wells Fargo regarding an early warning system for unauthorized accounts. In conversation regarding these accounts, it was brought to my attention that the disputed account was still opened. Further I was told, that I was still considered an active signer on the active and liable for all funds charged to the account.
Product: Debt collection

I have a loan on my credit report that has been sold to AD ASTRA from a company called XXXX XXXX. I contacted AD ASTRA and asked for information on the account because I do n't have any knowledge of the account. The representative could not provide me with any information except for the date it was opened and from where it was from. I asked for the original contract and the representative told me they did n't have it because I wanted to find out who did this. I advised the agent that I had been incarcerated in XXXX prison since XXXX until XXXX and at the time among other accounts this was not mine. I have sent a letter to them but need to file a complaint in reference to someone opening this account and a bank account w/o my permission. This account is fraudulent. I 'm not sure who scammed me but I am not liable for this debt.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX 's handling of disputes. Despite using XXXX plenty of times and reporting discrepancies and transactions, my financial institution and XXXX failed to investigate my claims. They informed me that funds were taken away and can not be recovered. The CFPB 's lawsuit conforms that XXXX has failed to protect consumers but has also allowed repeated offenders to scan the vulnerable.
Product: Checking or savings account

PNC Bank acquired BBVA bank early XX/XX/2021. Since that time, I have not had access to 4 of my 7 bank accounts ( 2 personal, 5 business accounts ) unless I go physically into a branch. Furthermore, I received my first bank statements and I have {$23.00} in various bank charges for items I didn't sign up for such as paper statements. To make matters worse, I can not unenroll from these unwanted services until I have online access to my accounts, which I do not. I have been to my local branch 3 times, spoken and emailed the branch manager multiple times since and still have not gotten access to my money online. There is no resolution or explanation in sight after over 30 days.

When attempting to call their customer service number, a message is played to the effect that they are experiencing high call volume and to call back later at which point the call is disconnected. 

PNC Bank is clearly completely incompetent in their customer service and ability to absorb a new acquired entity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the inaccurate information that has been reported on my credit reports by XXXX XXXX. According to my credit reports, the account number XXXX was reported as a revolving account by XXXX and XXXX, while Experian reported it as a credit card account. Moreover, XXXX reported a {$0.00} monthly payment, while Experian and XXXX did not disclose it. XXXX and XXXX also reported a balance of {$0.00}, while Experian did not. 

Based on the details provided, XXXX XXXX has violated the following sections of the Fair Credit Reporting Act ( FCRA ) : Section 607 ( b ) - Requires consumer reporting agencies to follow reasonable procedures to ensure the accuracy of the information in the consumer 's credit file.

Section 623 ( a ) ( 1 ) ( A ) - Requires furnishers of information to consumer reporting agencies to provide accurate and complete information about the consumer 's account.

Section 623 ( a ) ( 2 ) - Requires furnishers of information to correct and update information about the consumer 's account when they are notified of errors.

Section 623 ( a ) ( 5 ) - Requires furnishers of information to report the date of last activity on the account accurately.

Section 623 ( a ) ( 7 ) - Requires furnishers of information to report the balance on the account accurately.

Furthermore, the Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 ( a ) ( 7 ) requires consumer reporting agencies to disclose all information in a consumer 's file, including the payment history and any dispute comments. XXXX XXXX failed to disclose the {$0.00} monthly payment to Experian and XXXX. 

This inaccurate reporting has had a significant negative impact on my life. It has made it difficult for me to obtain credit or secure loans at reasonable rates, even though I have been financially responsible and timely with my payments. I have been denied credit for a mortgage, car loan, and other essential needs because of the false information on my credit report. This has caused me a great deal of stress and anxiety, and it is unfair that I am being punished for errors that are not my fault. 

Therefore, I am requesting that XXXX  XXXX immediately remove the unverified collection accounts from my credit reports, in compliance with the FCRA and FACTA. I also urge the CFPB to enforce legal action against XXXX XXXX to ensure that they are held accountable for their violations and that this issue is not repeated for other consumers. 

Thank you for your time and assistance in resolving this matter. 

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

I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can not apply for a job or apply for credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out numerous letters to the credit bureaus regarding these accounts with XXXX XXXX  regarding an alleged debt ACCOUNT # XXXX {$1800.00}, ACCOUNT # XXXX {$1500.00}, ACCOUNT # XXXX XXXX. I have been writing disputes letter to the company and the credit bureaus requesting to validate that this is my debt or account XX/XX/XXXX and they have failed to provide me with any contract that i signed with them or with any contract with the original creditor bearing my handwritten signature. And this is with XXXX AND XXXX.I HAVE WROTE XXXX ON XX/XX/XXXX AND THEY HAVE DELETED THE INACCURATE INFORMATION 0NXX/XX/XXXX XXXX HAS DELETED THE INFORMATION OFF MY CREDIT REPORTING BETWEENXX/XX/XXXX AND XX/XX/XXXX AND THEN REINSERTED IT BACK ON MY CREDIT BETWEENXX/XX/XXXXAND XX/XX/XXXXWITHOUT NOTIFING WITH ANY LETTERS OF REINSERTION. THEY ARE REQUIRED TO NOTIFY ME IN WRITING WITHIN 5 DAYS ACCORDING TO THE FCRA. AND THEY HAVE NOT YET TO DO SO AND ITSXX/XX/XXXX. I WROTE THIS LETTER TO XXXX   ABOUT THIS MATTER ON XX/XX/XXXX. XXXX IS DOING THE SAME.THEY ARE REPORTING INACCURATE INFORAMATION ON MY CREDIT REPORT THEREFORE DAMAGING MY CREDIT BEYOND REPAIR. I HAVE GIVEN THEM AMPLE AMOUNT OF TIME TO VALIDATE AND CORRECT THIS MATTER.
Product: Credit card

On XXXX, we attended a XXXX XXXXXXXX timeshare presentation at the XXXX XXXX XXXX in XXXX XXXX XXXX SC XXXX During the presentation, the sales agent ( XXXX XXXX asked for my wife 's and my social security numbers and dates of birth, ostensibly to qualify us for a potential deal. He said the information was solely to do a " soft pull '' of our credit score. XXXX concealed the forms he filled out on his XXXX, so we had no reason to suspect a problem. 

We declined to purchase a timeshare and did not sign any application form for a credit card. However, unbeknownst to us and without our permission, XXXX XXXXXXXX signed us each up for Barclays credit cards instead. We received notifications from Barclays Bank less than eight hours after leaving the presentation. The next day, our credit monitoring service reported that our credit score had declined due to the new account. Wyndham provided us with nothing to show they planned to open said accounts, so we did not know their actions and, therefore, had no opportunity to refuse. 

My wife and I do not need these additional credit cards and intend to close the accounts immediately. However, closing the accounts will further reduce our credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The Experian and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX  XXXX XXXX Balance : {$94.00}
Product: Checking or savings account

Please see the attached Email to the XXXX XXXX XXXX. All the details are in there. 


Thank you.