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

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft.

These following items listed below are unknown to me. 
XXXX XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX Balance {$2700.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance {$760.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance {$360.00} ; XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX Balance {$1400.00} ; XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$1200.00} ; XXXX XXXX XXXX XXXX  Balance {$630.00} ; XXXX XX/XX/XXXX ; US SM BUS ADMIN ODA XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified letters to XXXX, Equifax, and XXXX about incorrect items on my report. I have sent items to the 3 bureau listed above over 3 weeks ago and i have not gotten a response from either of them. As stated in 15 USC Code 1681 the agency must respond in writing within 5 days of my letter, if not they are in Violation of the law.
Product: Debt collection

Wereas, XXXX XXXX XXXX, Ruasch sturm and The appointed Fiduciary XXXX XXXX XXXX received a NOTICE OF DISPUTE AND A NOTICE OF FIDUCIAY RESPONSIBILITY PRODUCTION OF TRUST INDENTURE on or about the XX/XX/XXXX, the appointed Fiduciary XXXX XXXX XXXX on or about the XX/XX/XXXX filed a Motion For Defualt judgment and on the XX/XX/XXXX was granted an oreder for judgment. on or about the XX/XX/XXXX i filed a Judicial Notice stating that, XXXX XXXX XXXX, Rausch sturm and the appointed Fiduciary XXXX XXXX XXXX failed to answer the notice of Dispute. 
Whereas, I XXXX XXXX never recieved a letter stating that they recieved the NOTICE OF DISPUTE and if they ever investigated the debt and or the conclusion of the investigations. 
Whereas, XXXX XXXX XXXX, Rausch Strum And the appointed FiduciaryXXXX XXXX XXXX, willfully and wanton act dangerously, done heedleesly and recklessly without regard to consequences or of the rights and safety of others and conduct a act of malice intentions which were to mislead, XXXX county court administrator and defraud the UNITED STATES GOVERMENT with false represantation or deceptive means to collet or attempt to collet a debt unlawfully. 
Whereas, XXXX XXXX, and family are intitled for Relief, under Colorado revised statutes Title 13 courts and court procedure XXXX limitations on damages for non - economic loss or injury We pray that the ( CFPB ) and the XXXX County Court Administrator grants XXXX XXXX, and family relief and ORDERS XXXX XXXX XXXX, XXXXausch Sturm And the appointed Fiduciary XXXX XXXX XXXX to pay on damages for non - economic loss or injury
Product: Debt collection

The Mini Van was reported stolen to the Police but resolved that it was retrieve by XXXX XXXX as repossess without notice.
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 items 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 XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXXXXXX Balance : {$9100.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$4000.00}.
Product: Mortgage

XX/XX/XXXX US Bank Initiated foreclosure on my home without notifying me that the mortgage had been sold to them, providing me with a payment address, amount and due date or notice of default and acceleration. I have never done any business with US Bank, they never gave us any money as a loan against our house. 

XX/XX/XXXX. Contacted US Bank requesting all mortgage account information that they had and proof that they had notified me of intent to foreclose and given me a chance to cure the default. My request was ignored. 

XX/XX/XXXX. Contacted US Bank agin asking a second time for all account information the bank had regarding my house. I was told that there was no account information matching my name and social security number, my husbands name and social security or anything related to our home address that was the subject of the pending foreclosure action. 

XX/XX/XXXX. Attended a court hearing to defend myself against the wrongful foreclosure during which US banks attorney said that his client is XXXX XXXX, not US Bank, however ; the attorneys representing US Bank never notified me of their motion for summary judgement in time to object by the deadline and they have no information for a mortgage account in my or my husbands names at our address XX/XX/XXXX US Bank agent brings Sheriff to evict us and she promises to let us come back and retrieve our belongings on or before XX/XX/XXXX but fails to change the locks in the rear of house. 


XX/XX/XXXX US Bank agent brings the XXXX police to arrest me for trespassing but I was only there to make sure nobody stole any more of My stuff.
Product: Money transfer, virtual currency, or money service

I asked them where is the document that says you have to wait XXXX weeks after you pay them to stop the money order when the document when it was well past XXXX  XXXX  to wait to put a stop payment on it, so XXXX XXXX was past, and I should have only had XXXX XXXX to wait.
Product: Mortgage

XXXX pnc mortgage homeowner insurance bill they waited until XX/XX/21 to pay it from my escrow account. the payment did not get to nationwide an my insurance was to be canceled on XX/XX/21. called several times to pnc couldn't find check.that was mailed. Was told XX/XX/21 that they could stop check an issue another but I would have to pay extra money for a few months to cover it. WHY? Also My property taxes are not paid due XX/XX/21. Taking copy of the bill to PNC bank in eden square bear de so they can fax to mortgage company. because they said the didn't relieve a bill. also sent out in XXXX.
Product: Credit card or prepaid card

The company stated I violated section 15 ( d ) which simply states the card can't be misused. I was only using the card as intended, receiving payments from peers, withdrawing cash, making purchases, and paying bills. I did get a few more payments than average, but that was from selling bitcoin from my personal investment. 
Anyway the company said they were closing my account and sending me a check. I did call them and they said there was nothing they could do. Some accounts just need to be closed because the cost of compliance is expensive. 

I have yet to receive a check. I would like one mailed ASAP Thanks
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 U.S.C 1681. 

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 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 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 an account without my written instructions.

15 U.S.C 1681s-2 ( 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 then records of convictions of crimes which antedates the report by more then 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 information is inaccurate.
Product: Credit reporting or other personal consumer reports

Hard inquiries I didnt authorize are harming my credit and violating 15 USC 1681c-2. I ask for their immediate removal from my report.
Product: Credit card or prepaid card

Originally purchased flight tickets on my credit card in XXXX, 2022. Due to unforeseen circumstances ( XXXX XXXX  ), two of the individuals flying are not able to make it. ( XXXX got XXXX, the other is his primary caregiver ). I submitted a claim to the Chase Sapphire Reserve card insurance, as this was covered under their terms and conditions. I then called Chase customer service, and the representative told me I didnt need to submit the claim, that I could cancel it, and that the airline would be refunding me a partial amount ( around {$2200.00} ) due to multiple schedule changes with the flight. The chase representative then told me the funds would be sent back to my Chase Sapphire Reserve card, wishing 5-7 business days. 3 weeks passed, and I called to inquire on the status and they had no idea what I was talking about. I escalated the call, and the supervisor told me they would call me back after 24 hours so they could investigate. They never called. I have been calling multiple times, escalating the calls, and nobody is able to help me with this. I cancelled the claim as advised by Chase customer service, but now it has been over a month since they told me the partial refund would be posted, and nothing is even pending. All recordings of phone call interactions I have had can be pulled to confirm this.
Product: Mortgage

The company in question is Nationstar- I am owed money, for wrongful force of making me sell my fathers home. The harrassment, the threats, wrongful force, the increase in mortgage rate, they took advantage knowing my father had XXXX and he was not in his right frame of mind I received a litigation note, stating that : XXXX XXXX, if you believe Nationstar Mortgage Llc has treated you unfairly in regards to your mortgage If i begin to talk about the unfair treatment that i got, I will be here for a while, the escrow that was there, i was entitled to, they took it i want compensation, I'm prepared to take this further, even though is was a few years back, it cause my dad to an early grave, becuase of all the stress and threats that they caused, the mortgage company amount every month, no human can live from that When I submitted my loss mitigation application, I expected a fair evaluation and prompt communication regarding available options. However, I have never received any written notice within the 30-day period as required by regulations.

We got people coming to the house taking pictures, and running away, this happens for 5 months straight, it caused my dad to enter the hospital because he was so nervous.
Product: Credit card or prepaid card

on XX/XX/2022 I was charged 2 charges from XXXX. 1 in the amount of XXXX and the other of XXXX. I called the bank when i spotted these charges within minutes of it happening. the said that I would have to wait until they fully post to the account and then once they do then I can call back a do the dispute process. I called vans.com and they were able to verify that it was fraud and were able to catch the one package being sent out and on XXXX called and refunded me the money to the account. since then, I have done the dispute process with my account on XX/XX/2022. I filled out the declaration of fraud form as advised and sent in it on XX/XX/2022. i called American Express serve and they advised they received the dispute form and that it will take 10 business days to look into giving a conditional credit to the account. i called XXXX on XX/XX/2022 to check the refund status. 2 additional agents confirmed that they processed the refund and it's been fully refunded as of XX/XX/2022. I call American Express Serve to check my refund as it had been the 5th business day. The fraud department said they still don't see the refund and to call the next day to check to see if it's been refunded. i called XX/XX/2022 and the representative I spoke to told me i have to wait until the dispute processes to receive my refunded money and that they never received the declaration of fraud form when i was advised that 2 agents that they received it and checked it and said it was good. XXXX refunded me my money but i have no access to those funds as American Express Serve has decided to withhold my funds from me until the other fraud charges are reviewed. The one has been resolved as vans.com was able to correct it and i should have had access to those funds they sent back to within the 3-5 days. so, my XXXX that has been sent to my account is being held without reason and I keep getting the run around. unable to speak to a supervisor or have anything handled. 10 calendar days later I'm still out of a total amount of XXXX $ even though XXXX has been fully refunded to my account and no is willing to help me get the money that was already returned to me.
Product: Checking or savings account

My Truist, then BB & T accounts were hacked in XXXX. My email, passwords, usernames, phone numbers and address were compromised then. I filed a report with the local police and opened new accounts. Around XX/XX/XXXX I signed up with XXXX through my bank because my son wanted to transfer {$550.00} to my account. On XXXX, I noticed XXXX fraud withdraws through XXXX had been made to one of my checking accounts, that came to a total of {$10000.00}. The withdraws took place between XXXX XXXX XXXX. I called the Truist fraud line, reported it and opened a fraud claim. That day I went to my local bank, froze that account, changed my password and username. On XX/XX/XXXX, I opened a new checking account and also noticed that my business account had been hacked also, in the amount of {$190.00}. I filed another claim for that account and after Truist reviewed it, received my money back. On XX/XX/XXXX, I received a Truist letter, telling me that my claim of {$10000.00} was denied because it appeared that the transactions were authorized through my cell phone and e mail. Both were compromised in XXXX. I did NOT authorize these transactions. Truist Fraud department told me that unless I can prove that I didn't make these transactions by proving where I was on these dates, they can't help me. I called the fraud department again to reconsider my claim but it was denied again. I contacted my cell phone provider, XXXX XXXX, to see if I can get some inside information about my phone activities and was told that I had to file a report with the police and they can subpeana information. The middle of XXXX. I filed a police report. They were supposed to check into XXXX XXXX and also check with XXXX about the fraud transfers. Any time I tried to connect with XXXX, I was told that it's my bank 's problem, they can't help me. I still haven't heard anything back from the police. After I had reopened new accounts, changed usernames and passwords, I continued to watch for suspicious activities on my accounts and noticed a XXXX XXXX had been able to log into my accounts again. I reported that to Truist also and they assured me that they will keep an eye on that. I want to add that I did receive either text messages or email notifications, telling me about amounts being transferred out through XXXX. Since I KNOW that I didn't authorize any transfers, I assumed that these messages were junk mail, just like messages that tell me I won something, I ordered something, my account has been locked, the IRS is looking for you, etc., all fake messages. I just ignored these XXXX messages. They didn't ask me to confirm the transactions by replying " confirm '' or " yes '' or " no ''. This hacked account is in my name and my son 's name. He was the XXXX who contacted me to tell me that he noticed that {$10000.00}. was missing from the account.
Product: Credit reporting or other personal consumer reports

I have been a victim of Identity Theft I believe someone has gotten my personal information and has been making numerous inquiries and opening Fraudulent accounts in my name. I recently checked my credit report and there are 14 erroneous accounts that I did not myself open nor give my permission to open such accounts. I will list the creditors name the account number the date the account was opened and the amount that they opened for. XXXX XXXX XXXX XXXX XXXX {$1000.00} opened XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$41000.00} opened XXXX ; XXXX XXXXXXXX XXXX XXXX {$45000.00} opened XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$560000.00} opened XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$7000.00} opened XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX {$3000.00} opened XXXX ; XXXX XXXX XXXX XXXXXXXX {$14000.00} opened XXXX XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX {$2200.00} XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX {$11000.00} XXXX XXXX ; XXXX XXXX XXXX XXXX {$6100.00} XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX {$8600.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$320.00} XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX {$450.00} XXXX XXXX. There are also XXXX inquiries showing on my report I will list the bank and the date the inquiries were made. 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 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
Product: Credit reporting or other personal consumer reports

I have been trying to correct my credit report but keep getting stall letters from the company. The company sent me dispute results on XXXX 2024 and XXXX XX/XX/year>. I have attached the letters and certified receipts of correspondence since XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been an ongoing Identity theft Issue with fraudulent accounts and unverified accounts still appearing on my credit report after they were reported as identity theft via a police report and FTC report. There are numerous accounts being inaccurately reported in addition to the fraudulent accounts not being removed after numerous attempts to do so. XXXX, XXXX, and Experian are violating federally protected consumer rights by reporting fraudulent and unverifiable information as accurate with no proof of the method of verification being provided.
Product: Credit card

On XXXX XXXX XXXX my USAA credit card was hit with fraud. Thereafter, ALL of my accounts with USAA have been compromised. The problem is still not resolved completely. Hackers, who I believe have help from inside USAA opened 6 accounts for my checking, savings and credit card. They eliminated my XXXX XXXX  account which I used to transfer money into my savings account to pay my bills. Eventually, my XXXX XXXX was compromised and all roads lead to USAA. A second account was partially compromised. I tried to re-attach my XXXX XXXX XXXXXXXX  and USAA, XXXX XXXX in the Chairman 's office and I spoke multiple times and she told me my USAA can not add my USAA account because there were 7 accounts opened within 180 days. Multiple employees at USAA in the fraud department, chairman 's department and banking department KNEW that 6 accounts were opened by hackers, possibly with inside assistance from USAA. This went on for months. USAA prevented me from making payments. I tried making payments via phone and online. FYI, I've had USAA account for almost 42 years. The account went 30 days past due. I spoke with miss XXXX and told her I had no way to make a payment. She indicated she would not change the 30 day late report. That cost XXXXXXXX XXXX on my credit score. My credit limit has been downgraded without notice. It is the fraud that has been allowed to continue. Parenthetically, the fraud continues as someone inside of USAA charged my wife 's credit card for insurance. USAA never had her credit card legally.
Product: Checking or savings account

On XX/XX/XXXX there was a {$500.00} zelle transaction completed that I did not authorize, shortly after that transaction occurred I received another email stating my password had been changed. I recently lost a device, so I'm assuming that's how someone was able to access my account. I immediately called Wells Fargo and let them know the situation and to dispute the XXXX transaction, They opened a fraud claim for the {$500.00} zelle transaction, closed the account, and I had another account opened. I also changed my username and password for the online portal. I received a letter in the mail today, XX/XX/XXXX saying I authorized this transaction when in fact I did not. I have a police report from when I initially lost my device and which included some fraudulent activity from another one of my bank accounts ( prior to the situation with wells fargo ). But of course, no one reached out to me asking for additional information. I requested additional information on what they used to draw this conclusion, but they can only mail it to me which is not a time frame i'm willing to wait for such a large amount of money with no resolution outside of some paperwork. PLEASE HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was mentioned in my previous COMPLAINT #, and I include it again. 
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 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

XXXX after starting this complaint to capitol one has place restrictions on customers credit card this is the only credit card I have I am fighting for my credit card and credit score
Product: Checking or savings account

I do n't have any documents waiting on a paper stating that I have XXXX balance in the mail the bank said it should receive it within 5-7 business days
Product: Mortgage

Bank of America purchased my loan from Countrywide. The loan statements at that time and since then have been extremely inaccurate with over XXXX " Misc '' postings XXXX in excess of {$100000.00}. I have requested an explanation and corrected loan statement many times without one being furnished. Bank of America latest loan servicer - XXXX XXXX XXXX now say that the information is not available. Bank of America is still using the amounts that they can not substantiate as the amount due on the loan.