23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen a few years ago. The person who stole my identity assumed my identity, filing taxes, renting apartments, bought and registered vehicles ( even receiving parking tickets in one of them ) ; as well as opened checking and credit cards in my name. 

They got away with it for some time before I noticed as I was frequently ( more often than not ) out of the country for work at this time ) as the accounts they opened were being paid/utilized and my mail was being intercepted and or forwarded. In fact ; I think it still may be being intercepted. I really am not sure, that is kind of the way fraud is designed though. 
At some point I did being getting collection letters and I was disputing them directly with the creditor. Then, when I finally received my credit report and realized what had happened. This was about the spring of XX/XX/2017. I still tried to work directly with the creditors, to no avail. I was not directed by anyone to report the fraud to police for months. 
I did attempt to file a police report in XX/XX/2017 but the police told me I needed to come back with documentation and then we were hit with XXXX XXXX and I left the area prior to the storm and was not able to return as there was no power for over 2 weeks. When I finally did return, I went to file the police report as soon as possible ( when brought me into the first part of XX/XX/XXXX as the police station does not take reports Sunday or Monday and these are usually the days it is easiest for me to go ). 

I have explained as well as documented all of this until I have become blue in the face to every creditor, credit reporting bureau, lender and anyone else privy to the information and or history ; however your company still refuses to follow Federal Law and is denying my rights to me under the FCRA and the FDCPA ; specifically 15 U.S.C. 1681c-2 by refusing to block a fraudulent account from my credit report. 

XXXX has been playing games with me, causing me to jump through hoops and causing me additional and considerable compensatory and monetary damages. They have changed their story several times and have been giving me the run around for nearly 18 months taking up dozens and dozens of hours of my time causing me to lose time at work and money. 
I reported the accounts that was fraudulent to them and were needing to be blocked back in the fall of last year ; instead of processing it is fraud, you opened an investigation as if it were a dispute and insisted I wait 30 days for them to complete the review ( by law they are supposed to block the accounts within 4 days. 
I have documented the theft to a T. I sent the police report, a cover letter explaining the ID theft and demanding they block the account pursuant to FCRA U.S.C. 605B ( 15 U.S>C> 1681 c-2 ) ; both my drivers license and social security card and even furnished them with a copy of someone utilizing a fake id with my information. All of this was in vain I suppose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 
The Following Accounts have violated my Rights Accounts : 1. XXXX Bank Account : 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 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 

15 USC 1681 Section 602A. States I have the right to privacy.

15 USC 1681 Section 604A section 2 : It states a consumer reporting agency CAN NOT furnish an account without my written instructions. 

I DID NOT AUTHORIZE or give any Verbal or written instructions allowing the above accounts to be listed on my Credit. PLEASE REMOVE THEM IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that these following items are Unauthorized Inquiries and are showing on my credit report : XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. 

I already reached out to the Credit Bureaus but no changes has been made and these inquiries are hurting my credit.
Product: Credit card

Reported companies XXXXXXXX XXXX XXXXXXXX, corelogic, all affiliates are in possession of my stolen redit card information to wit ( social security numbers; attached accounts ) 15 usc. 1602, absent my knowledge, consent or agreement per 15 usc 1692c ; 15 usc 6802. Companies have failed and/or refused to comply to stated opt out ; proof of contract ; specified verification. I have identified the identity theft accounts in the attached opt out correspondence
Product: Mortgage

I owned the property and was keeping it and I moved to another area. I planned on keeping the property and sell it at a later date but I was in a serious accident and XXXX XXXX XXXX and was out of work for 10 months and could n't pay it. so I have been in the process of a short sale for a year now and my mortgage company wo n't agree to the buyers amount to pay for the home, the mortgage company want 's more than it was appraised for. So they said it will go to a sheriff sale, If that happens they wo n't get half of what the buyer is willing to pay. The buyer is being being very patient, .I sent all the requested paperwork to the mortgage company to show I do n't have the resources to pay for the house.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under USC 1681.

XXXX XXXX XXXX XXXX XXXX {$910.00} Thise account is being reported inaccurately and has violated my rights according to the laws listed below. 
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. States : A consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C. 1681c ( a ) ( 5 ) States : No consumer reporting agency may make 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 ) States : 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.

I am requesting your assistance in having these items removed from my Consumer report.
Product: Debt collection

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. I am also requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Reporting XXXX  ( Account Ending in XXXX ) To Whom It May Concern, I am writing to formally dispute inaccuracies related to the reporting of the XXXX  account ending in XXXX on my XXXXXXXX XXXX XXXX. The payment history for this account reflects a sudden 90-day late payment in XXXX  without any prior progression of delinquencies ( e.g., 30 days late, 60 days late ). This reporting is inaccurate, misleading, and constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 

Disputed Information 1. Sudden 90-Day Late Payment in XXXX  : The accounts payment history transitions directly from Current to 90 days late in XXXX, without any prior delinquency markers ( 30 days or 60 days late ). 
This lack of progression contradicts standard reporting practices, which require accurate representation of delinquencies. 
2. Negative Account Status : The account is marked as Negative, despite being reported as Current in subsequent years. This contradiction unjustifiably harms my creditworthiness. FCRA Violations 1. 15 U.S.C. 1681e ( b ) : Cred
it reporting agencies must ensure maximum possible accuracy in the information they report. Reporting a 90-day late payment without evidence of 30-day and 60-day delinquencies is inaccurate and misleading. 
2. 15 U.S.C. 1681i ( a ) : Upon receiving a dispute, XXXX must conduct a reasonable reinvestigation. If the information can not be verified as accurate, it must be corrected or deleted. 

Requested Resolution To resolve this matter, I request the following actions : 1. Immediate Correction or Deletion : Remove the 90-day late payment from XXXX, as it lacks supporting evidence of prior delinquencies. 
Update the account status to reflect its Current standing and remove the Negative designation. 
2. Verification Documentation : Provide documentation from XXXX verifying the accuracy of the reported payment history, including evidence of a 30-day and 60-day delinquency prior to the 90-day late payment. 
3. Written Confirmation : Provide written confirmation of the investigation results and any updates made to my credit report. 

Supporting Documentation 1. A screenshot of the XXXX account on my credit report highlighting the discrepancies. 
2. A copy of my government-issued ID and proof of address for verification. 

Next Steps Under the FCRA, Credit Bureaus are required to investigate this dispute within 30 days of receiving this letter. If the reported information can not be verified as accurate, credit bureaus must delete it from my credit report immediately. 

If this dispute is not resolved promptly, I will consider additional actions to enforce my rights under the FCRA, including seeking compensation for damages caused by the inaccurate reporting. 

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

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXXXXXX XXXX XXXX
Product: Student loan

The OSLA site where I pay my student loans went down last week. I don't know where to pay my loans, or how to get my loan records. When I called, they promised to send me information via email that they didn't do. They ask for my full SSN.
Product: Credit reporting or other personal consumer reports

I am formally contesting any inaccurate or undocumented information found in my credit report, including unverified claims. Under the FCRA and the accepted STANDARD of metro 2 data field reporting, I challenge the reportability of these unsubstantiated allegations. Federal and state laws require accurate and complete reporting, prohibiting the inclusion of known or should-be-known unlawful claims. Please ensure the accuracy and correctness of all your claims, as mandated by the Metro 2 reporting standard.

I kindly request you to provide verifiable physical evidence to support the existence and permissible usage of the account. If such evidence is lacking, I expect the removal of the account from the report. I authorize you to send me physical documentation of your actions and an updated credit report for my records. 
Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employer - STATE OF XXXX  Employer - XXXX XXXX XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect DOB : - 1995 Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged 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 Listed below are the Inquiries that are being challenged 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 see attached document
Product: Debt collection

I entered a consumer credit transaction with COMENITY BANK and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that COMENITY BANK claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. COMENITY BANK has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Product: Money transfer, virtual currency, or money service

I was scammed and made an ACH payment to a fraudulent account. I reported it to Chase two business days later on XX/XX/XXXX. I was told three times by Chase representatives that I would receive my money back, {$11000.00} and {$340.00}, within 5 business days. These representatives were wrong and no one investigated the Fraud, no one contacted the Receiving Bank or had any human intervention to retrieve my money. Chase admits that they were wrong but will not admit that they wasted time and made no attempts to get my money back or honor what their representatives told me. A filed a claim and was denied by three departments as they relied on the individuals who committed the errors. They passed the buck only to say that I did not read the fine print and that Chase takes no responsibility for wire transfers that I authorized even though it was to a fraudulent account and even though the required data for the transaction did not match the account my money was wired to. I have attached all emails sent by me which were also sent certified mail. Thank you.
Product: Credit card or prepaid card

On XX/XX/XXXX, around XXXX XXXX, I received 3 phone calls from the Chase Bank Southwest Premier Customer Service number : XXXX. I did not pick up the first two times they called, as I did not recognize the number. After the third call, I thought it may be an emergency, so finally I picked up. The person on the other side was a male voice, who said he was from Chase Fraud services calling me to verify if I had made two recent transactions. The first he mentioned was from XXXX XXXX for an amount I cant remember exactly but somewhere in the {$200.00} range. I said I did not authorize that transaction. Then he asked me if I made another transaction for around {$200.00} at a place I didnt recognize the name ( I also dont remember exactly what place that was ), the name had the words XXXX  or XXXX  in the name. I told him I did not authorize that transaction either. He then said he would cancel the transactions for me and cancel my credit card ending in XXXX. Then asked me to confirm my identity using a 6 digit code he was going to send to my phone. I received the text message 5 minutes after I received the incoming call from XXXX ( at XXXX XXXX  ) and I didnt read the what the text message said, I just read off the number to him. He then said to confirm my address so he could mail the replacement card to me, so I gave him my address. He said I would receive the replacement card in 3-4 business days. When I didnt receive the card by the 5th day, I thought it was strange. I had not received an email confirmation that my card had been canceled nor did I receive an email stating a new card was being shipped out. Thats when I checked my Chase account online and noticed the charge to the XXXX XXXX for {$2400.00}. I immediately called the Chase number on the back on my card to report the fraudulent charge and told them this same story. Apparently the person who called me was spoofing the Chase Fraud Services phone number and used the 6 digit code to authorize my credit card to be used on an XXXX XXXX  XXXX. 

After sending Chase Fraud services evidence of the text message with the 6 digit code they had sent me as well as a phone record that I received an INCOMING call from their Customer Service line on XX/XX/XXXX at XXXX XXXX, they still denied that the {$2400.00} was a fraudulent charge and said I was responsible for the charge.
Product: Mortgage

I NEED A LIST OF ALL PAYMENTS MADE VIA XXXX OR XXXX XXXX BETWWEN XX/XX/XXXX TO XX/XX/XXXX SENT TO RECEIVING CODE XXXX.
Product: Vehicle loan or lease

We bought a XXXX XXXX XXXX in Florida and paid off the loan in XXXX. When going to buy a new car in South Carolina, I discovered I never received the title from Kia I called on XX/XX/XXXX and was told the title was released to SC and I could pick it up at the DMV On XX/XX/XXXX, the DMV said it was not released. I called Kia and they said they made a mistake and it would take a few days to fix I then contacted Kias CEO office ( XXXX XXXX XXXX ) on XX/XX/XXXX requesting assistance. I promptly received a call back, but they informed me they had a dependency on St of Florida, so it would take a few weeks. 

Unfortunately, we are entering week 6 now, and all I am told is that it is with the title team.
Product: Debt collection

Dynamic recovery solutions. I have a medical collection that is not mind. This is ruining my credit score and history.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies did not have my permission to run my credit. 

US SM BUS ADMIN 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: Checking or savings account

On XX/XX/23 I was a victim of fraud worth {$7600.00}, I purchased a vehicle from an XXXX business registered as sinner sundown, I paid through XXXX using my debit card Less than 24 hours later at the dmv on XX/XX/23 XXXX found out the vehicle was stolen by XXXX  XXXX XXXX and all documents provided were fake, the car was taken away by the police.

I immediately contacted my bank and explained the situation and disputed the charge since it was clearly fraud. 
I was issued provisional credit while they investigate. 
I provided police reports and adequate information regarding the whole situation. 

On XX/XX/23 I received a letter in the mail from Wells Fargo stating my claim was declined and the provisional credit will be taken away. 

I contacted them and to my knowledge they never received the police report I submitted, I was told I will be called back with an update in 24-48 hours. 

The same day I contacted cashapp/square, I was told on the phone and also sent documents stating that the {$7600.00} in total has been reversed to my debit card on XX/XX/23 and the full amount is currently with my bank and that I should contact Wells Fargo XXXX 

I wasnt notified of this by Wells Fargo, they issued me a provision credit around the same time cashapp/square reversed the payment back to my debit card. 

I asked Wells Fargo why I wasnt notified of this and the customer service agent couldnt answer my question.

I never got a call back updating me within 24-48 hours on XX/XX/23 and its been over a week now. 

I called in today and the customer service agent on the phone told me the claim has been closed.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the 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 infeasible. The CFPB findings indicate that Zelle had not only neglected to protect consumers but 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and XXXX  Constantly allow XXXX to add fraudulent acts to my credit. countless times it had to be remove be they allow the company to constantly and illegally add it back on by changing info slightly to the act. 
This is getting XXXX ridiculous now I have no protection and everytime i decide to take my alerts off I get these XXXX  thing happening again transunion has allowed numerous inquiries on it. 
please can someone do something about this XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  ( XXXX ) XXXX XXXX  XXXX  XXXX Inquiry : XXXX XXXX, XXXX + + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Utilities and Fuel ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX   XXXX  XXXX  Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX   XXXX  Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Account name GRAIN TECHNOLOGY INC Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$160.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$550.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$500.00} Highest balance {$500.00} Charge Off as of XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX days past due as of XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX days past due as of XXXX XXXX XXXX  days past due as of XXXX XXXX XXXX days past due as of XX/XX/XXXX, XXXX XXXX XXXX days past due as of XX/XX/XXXX, XXXX XXXX XXXX  days past due as of XX/XX/XXXX, XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, SYNCB/AMAZON gave me a hard inquiry on XXXX XXXX, 2021. I have spoken to amazon and XXXX a few times about this matter which they agreed to remove it off my file as this is fraud/identity theft and was never authorized by me in anyway.