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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SSN : XXXX DOB : XXXX Phone Number : XXXX Subject : Clarification on Discrepancy in Investigation of Identity Theft Claim Dear XXXX XXXX XXXX XXXX CFPB COMPLAINT XXXX I am writing to address a contradiction in your response regarding my identity theft claim for account number XXXX. 

In your letter, you stated that there were no discrepancies between the information on file and the details I provided. However, this statement misses a critical point : the information on file is my stolen identity. The reason the data matches is that the thief used my personal information, such as my name, Social Security number, and other details, to fraudulently open the account. 

The presence of this matching data should not be interpreted as legitimate account information but rather as a clear indication of identity theft. The fact that the data aligns with what is on file does not disprove my claimit supports it, as it is the nature of identity theft for a criminal to use the victims personal details. 

Your investigation, therefore, appears to have missed this essential fact. I respectfully request that you reconsider your findings in light of this misunderstanding and reopen the case, taking into account the evidence of identity theft, including the police report and FTC affidavit I previously submitted. 

I look forward to your prompt response and the removal of the fraudulent account from my records. Also there is a major discrepancy in the information and that is the phone numbers my phone number is XXXX witch is not a match with your records on file Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Awa Collections account that is reporting on my credit file does not belong to me. I have disputed this account with the credit agencies and the account was removed from all of the bureaus except for XXXX. Please assist me in getting this account removed from my credit file.
Product: Credit card or prepaid card

I am looking at my report with inquiries from companies that should not have taken a hard inquiry which is interfering with my ability to obtain a home and decent wage bearing employment in my field. Most recently when applying for a home loan and a job, I found out this information. 


These are the inquiries that are hurting my profile. Please remove them. 

XXXX XXXX A XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Balance {$2400.00} Status Closed Updated XX/XX/XXXX is reporting an account that has not been verified by the consumer. I have requested documentation and verifiable information that this account belongs to XXXX XXXX, me, the consumer.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXX/XX/XXXXXXXX Balance : {$9500.00} XXXX XXXX Balance : {$990.00} XXXX XX/XX/year> XX/XX/XXXXXX/XX/year>
Product: Credit card or prepaid card

I am not interested in this credit card account. The account has not been activated or used. Please ensure that the account is closed and is reported to all credit reporting repositories as " closed by consumer ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : Comenity Bank/Limited Payment status is showing Credit Line Closed by Credit Grantor This is showing as potentially negative - settlement on my credit report. The account is closed because the XXXX is using another credit company. My account is closed and my current balance as of XX/XX/19 is {$1900.00}. 

My Request : I would like for the payment status to be updated to closed by consumer. 

My requests continue to go to incompetent people who are not equipped or not in a position to make this change right. The are not being truthful and I find their unwillingness to help me disturbing and deceptive. 

I am a former Military Spouse ; now divorced, but we still receive military benefits and base privileges.
Product: Debt collection

I write to you today with an overwhelming sense of frustration and distress that has been relentlessly building due to the bureaus ' refusal to accept my identity theft claim. I find myself in a perplexing situation where I have followed every instruction provided by your bureau, yet my legitimate claim is met with rejection. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

This unjust refusal has left me not only frustrated but also deeply distressed. The toll this ordeal has taken on my financial well-being and emotional stability can not be overstated. It is disheartening and exasperating to think that after following your guidelines to the letter, I am met with such resistance. 

I urge you to recognize the gravity of my situation and the implications of not taking immediate action. My rights as a consumer and a victim of identity theft are being grossly overlooked, and I am left feeling powerless and unheard. 

Here are the accounts that needs to be removed from my credit file : XXXX XXXX XXXX - XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX Bankruptcy XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX - XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I demand that your bureau promptly acknowledge and investigate my identity theft claim with the urgency and seriousness it deserves. I have been patient, and my frustration has reached its limits. I am determined to see this matter resolved promptly and accurately. 

I expect a written acknowledgment of this dispute letter and an immediate commitment to investigating my identity theft claim thoroughly. The law mandates a timely response, and I insist that your bureau fulfills these legal obligations without further delay. 
My frustration and distress are beyond measure, but I am unwavering in my pursuit of justice and resolution.
Product: Checking or savings account

AFCU " discontinued '' their current checking accounts and transferred those same benefits to an account with a monthly fee, then made all members have the monthly fee account without even the possibility of opting out! I now have to call them to opt out. It's shady business and a blatant money grab. This is not how you treat your customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are still reporting a fraudulent account from XXXX XXXX XXXX  that I have disputed numerous times. They claim it has been verified by the source, but if that was true why did XXXX delete it for not being verified. If they verified it with the same source, they should get the same results. This is unlawful! I have a right to privacy, a right to only have accurate information report on me and if a social security number was used to pay for this loan, then this is a consumer credit transaction and it is fraudulent to collect on something that is already paid in full.
Product: Money transfer, virtual currency, or money service

On Monday XX/XX/2022 I sent for family support money through MoneyGram at a XXXX location and paid cash for this transaction, moneygram had verified with myself the sender and my family member the receiver all the neccesary information to verify the legitimacy of this transaction the money was never delivered to my family member. On XX/XX/2022 I requested the cancellation of this transaction and today is tuesday XX/XX/2022 my money is still not available to be refunded from money gram and every single day I call they ask for additional 24hrs as supposedly my canceled transaction is under review, today also they have stated they do not have a time frame as to when would my money be refunded.
Product: Credit card

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 XXXX XXXX  Account Number XXXX has violated my rights. 
Credit Limit : {$7100.00} Date Opened : XX/XX/2022 XXXX XXXX Account Number XXXX has violated my rights. 
LOAN AMOUNT {$49000.00} Date Opened : XX/XX/2022 15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, a letter was sent certified mail along with my identification with the correct address, and name. They have yet to remove the information and it is effecting my credit.
Product: Mortgage

In XX/XX/XXXX a loan modification was approved on my loan serviced through NationStar. In XX/XX/XXXX NationStar advised me that there was an error in the XX/XX/XXXX modification and that the modification needed to be re-executed. In XXXX XXXX I re-executed the XX/XX/XXXX loan modification and returned the paperwork to NationStar. Upon inquiring with my county records office, they have no record of NationStar filing the original XX/XX/XXXX loan modification. In XXXX XXXX I received an email from Nationstar stating that the loan modification paperwork I re-executed in XXXX XXXX can not be located. NationStar continues to negotiate in bad faith by not filing the original XX/XX/XXXX Loan Modification and continuing to lose loan modification paperwork. Additionally if there was a defect in the XX/XX/XXXX loan modification why did it take approximately 2 years for the discovery. This further substantiates that the XXXX loan modification paperwork was never originally submitted to my county records office. Please see attached email from a NationStar representative confirming the loss of documents.
Product: Bank account or service

I have a bank account with Bank of America. to transfer money between accounts, they have a {$1000.00} limit per day, unless you get a text message code, or get XXXX card. 
I have recently relocated back XXXX XXXX after living and working XXXX for a year ). During this relocation my XXXX card malfunctioned, and will not allow me to transfer money. Now that i am living outside of the United States, Bank of America will not provide me with a replacement XXXX card ( as they do not send overseas ), and I can not get phone text messages ( again due to me being outside of the United States XXXX. Due to this, I am unable to transfer my money XXXX more than {$1000.00} a day ) between accounts, and outside of the United States back home. 
As I was working in the United States for a year, I have a substantial amount in this account, that I would like to get access to. 
And to make matter worse, they have a policy of not replacing a XXXX card within 30 days of updating an address. Which I was not aware of. So after relocating to XXXX, and getting a house to live in, I updated my address, then tried to apply for the XXXX card. I was told that I need to wait for 30 days, before I can re-apply for this card. 
So, I have waited for 30 days, and have just been informed that I can not get this card at all ( unless I change my address to a friends place, wait another 30 days, then get it sent to my friends who can then forward it on to me ).
Product: Credit reporting or other personal consumer reports

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


UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I sent Citizen bank a proper legal notice of contract rescission with the appropriate form and identifying information. They replied with a loan satisfaction letter, implying that congress had put in the US code something about satisfied loans not being eligible when quite the contrary. Congress specifically says ALL consumer credit transactions made before or after XXXX of 1995 are applied to this subject matter. Citizen bank will be in violation of said code on the XXXX of this month for that marks their 20 day limit after receiving notice. I am going to continue sending them letters until they send me my check that congress says they have no choice, but I just wanted a notice on public file as well.
Product: Student loan

I was told that they don't have to send me a billing statement. The rep said it's not required by law and encouraged me to do a forebarence to bring my account current so they could try to send me a bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : 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 a account without my written instructions
Product: Payday loan, title loan, or personal loan

Good Morning!! I spoke with the manager in XXXX, MS by the name of XXXX!! He was so rude to me lastnight he stated I was irresponsible and made the statement " to not come crying to him later ''. I felt so awful after speaking with him I work in financing and I know that is not the way you handle customers. I tried to explain to him the reason why I was 2 mths behind he demanded me to listen and kept getting louder by the minute. I do understand that I owe the bill and I plan on getting it paid and caught up. My husband has been off work and im the only one working with XXXX kids. XXXX was one rude individual to me lastnight.
Product: Checking or savings account

My name is XXXX XXXX XXXX, i am a TD BANK CUSTOMER, my account number ending # XXXX and my other account ending # XXXX the both were blocked by the bank, i was victicm of fraud on my account endin # XXXX and they gave a proper credit i move that money to my other account on XX/XX/XXXX and this day my account was blocked, i need my account back or close my account and send me my check. I have all the claim ids that they gave me when i submit the claim, and i do all the procedure, i put on the attach the claim ids numbers
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXXXXXX XXXX Balance : {$8900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX EQUIFAX MORTGAGE SER XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXXXX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is inaccurate and does not belong to me and should be closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized inquiries on my consumer reports from XXXX and Equifax. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any unauthorized inquiries on my credit report as they affect my credit score negatively.

As per 15 USC 1681b, my consumer reports should only be accessed for a permissible purpose. Since I did not authorize the inquiries made on my credit report, they were unauthorized and not for a permissible purpose. Therefore, Im requesting the removal of the inquiries from my credit report. 

There are 7 unauthorized inquires on my consumer report on XX/XX/23 i sent a dispute to XXXX. 

I called Equifax reference XXXX XXXXXXXX they did remove inquiries but according to 15 usc 1681n ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Product: Debt collection

I received a letter dated XX/XX/2022 from Coast Professional , Inc., XXXX XXXX XXXX, XXXX XXXX, NY XXXX stating that I owe {$95.00}. I have no clue what this is. I do not owe any money to any type of company or organization, private, state, or federal. I emailed them this statement as well, and I will be mailing them and leaving a voicemail about this also.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently did an application for an apartment in XXXX and was denied and told by the apartment that two of my credit cards with the same company was closed. I was told by the apartment that the company closed my accounts in XXXX without notice or my knowledge. I immediately called XXXX XXXX XXXX and was told that my accounts were NOT closed. I checked all 3 credit bureaus and they indeed closed and sent out information to all three bureaus stating my accounts were closed. I called again and multiple customer care agents state that the accounts were not closed but my credit line was suspended and that this was their policy. I understand but why would you send out to the bureaus that the accounts are closed when they are NOT there is a major difference. I attempted to dispute this with all three bureaus with no success. Because of how they reported it dropped my score significantly and is currently hindering me from getting approved not just for these apartments but for others as well leaving me XXXX. It is unfair reporting and someone should make first premier bank specify the difference of a revolving account and a closed account. If my accounts are NOT closed why would you report it as such. Ive called them multiple times requesting that they provide a letter to my apartment complex explaining the situation and they stated no that they could not and will not do such thing. I also demanded that they report fairly and accurately to prevent future situations like this
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I submitted a complaint to XXXX that I noticed my score dropped XXXX  points on XX/XX/XXXX. I had No Credit Requests on any of my credit reports for the entire year of XXXX. I had No Late Payments on any of my credit reports for the entire year of XXXX. I had No Closed Accounts on any of my credit reports for the entire year of XXXX. I had NO Negative Impacts listed on any of my credit reports for the entire year of XXXX. So, I contacted XXXX via their website to inquire why my credit score dropped with No Negative Impacts showing on my credit report. After receiving a case number by email from XXXX, I called them to find out what happened, but they said the case number I received from XXXX by email was not valid and must have been from a different part of XXXX which they could not identify. There answer at XXXX was " This is not a small company, so it will be impossible for me to find out who is handling your complaint. '' I submitted a complaint with Experian on XX/XX/XXXX that perhaps my identity had been stolen or an error was made on my credit score because no negative impacts had been recorded for years. I received a call from them on XX/XX/XXXX when they said I can not dispute my credit score and there could not have been an error on my score, nor could their have been any identity theft. However, they continued to say that the reason my score went down XXXX points on XX/XX/XXXX was because there are 5 closed accounts listed on my credit report. I informed the Experian employee that the last of those closed accounts was from XXXX, they were all closed in good standing, they certainly hit my credit incrementally and independently soon after each 's closing date, and most obviously, it is preposterous to suggest that this would all be processed 3-5 years after the fact and would have such a drastically negative impact on one 's credit. Clearly, the only thing that should bring someone's credit score from XXXX to XXXX at one time would be a Bankruptcy. 

I submitted a complaint electronically to XXXX on XX/XX/XXXX as well, but received no response, not even recognition that my complaint is being processed.