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

I am filing an urgent complaint regarding fraudulent accounts and inquiries on my credit reports caused by identity theft, which have severely impacted my financial well-being. Fraudulent accounts, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and numerous unauthorized inquiries such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX, appear on my credit reports . Incorrect addresses, such as XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have also been falsely attributed to me, while my actual address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These inaccuracies violate 15 U.S.C. 1681e ( b ) ( requiring accurate reporting ), 15 U.S.C. 1692g ( creditor notification within 5 days ), and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( failure to validate debts ). Further, under 15 U.S.C. 1681c-2, I am entitled to immediate removal and permanent blocking of these fraudulent entries, yet despite submitting supporting documentation ( police report, proof of identity, and certified dispute letters ), no corrective action has been taken. I demand the immediate removal and blocking of fraudulent accounts and inquiries, correction of inaccurate information, and compliance with federal law to prevent further damage to my credit. Failure to resolve this matter promptly will leave me no choice but to pursue legal remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in response to CFPB complaint # : XXXX, that was closed because EXPERIAN said that they " VERIFIED ". <P/>CFPB said that EXPERIAN responded and verified that the disputed information was accurate as reported?. The result summaries were sent to you for review on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX? <P/>THIS IS INCORRECT. THEY FAILED TO SEND ME PROOF OF VERIFICATION FOR EACH ITEM IN DISPUTE. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if Experian are unable to provide me with a copy of the verifiable proof that they have on file for each of the accounts listed within 30 days of receipt of letter then EXPERIAN must remove these accounts from my credit report. <P/>Only that I requested to EXPERIAN is that send to me proof of verification on items in dispute, and they failed in 9 certified mail letters that I send to them. I have copy of each letters. <P/>The LAW is clear, all unverified accounts must be promptly deleted.
Product: Credit reporting or other personal consumer reports

XXXX has a closed credit card account on my credit report. The account was not created by me. The account was opened due to identity theft. I have asked XXXX to remove the account from my credit report with all XXXX credit buraeus due to identity theft however XXXX has not removed the account. The balance is over $ XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Chase Card account showing Charge Off on my XXXX Credit report is not my account. I am listed as an authorized user. I have sent letters to XXXX and Chase and neither have removed this from my credit report. It is really hurting my credit score and I need it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 

15 usc 1681 section 602 states I have the right to privacy. 

15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 usc 1666b : creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

This letter is my formal written request for you to investigate the following " Unverified '' accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within XXXX days for each of the accounts listed below, then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. 

Experian XXXX XXXX Amount - {$2300.00} Account number - XXXX Date Opened - XX/XX/XXXX XXXX {$1300.00} Account number - XXXX Date Opened - XX/XX/XXXX XXXX XXXX  Amount - {$280.00} Account number - XXXX Dated Opened - XX/XX/XXXX XXXX XXXX Amount - {$6000.00} Account Number - XXXX Date Opened - XX/XX/XXXX XXXX XXXX Amount - {$14000.00} Account number - XXXX Date Opened - XX/XX/XXXX XXXX Amount - {$720.00} Account Number - XXXX Date Opened - XX/XX/XXXX XXXX Amount - {$180.00} Account Number - XXXX Date Opened - XX/XX/XXXX XXXX XXXX XXXX Amount - {$19000.00} Account number - XXXX Date Opened - XX/XX/XXXX XXXX  Amount - {$200.00} Account Number - XXXX Date Opened - XX/XX/XXXX XXXX XXXX XXXX XXXX Amount - {$700.00} Account number - XXXX Date Opened - XX/XX/XXXX XXXX Amount - {$340.00} Account Number - XXXX Date Opened - XX/XX/XXXX XXXX Amount - {$710.00} Account Number - XXXX Date opened- XX/XX/XXXX Sprint Amount XXXX {$730.00} Account Number - XXXX Date Opened XXXX
Product: Credit reporting or other personal consumer reports

I went to file for a mortgage and saw my credit score had decreased and the mortgage company stated I have a credit card with XXXX XXXX that did not match the one I currently own. I called XXXX XXXX and they said they have no records in their system regarding that account Experian is referring to in my credit report. I disputed it in XXXX on the phone with them. They said it would take about 30-45 days. I go to look at my report again, it is still showing up. I try to check on the dispute, it is not listed. I tried to call them with all the numbers that the bank gave me, numbers online and numbers tied to their complaint department. It is all automated and if your case is not exactly the automated response they want, you get a recorded to say call back again. Experian inaccurate information of both this credit card and putting me on as an employee of a company I never worked at has impacted my credit score and my ability in getting a great mortgage rate and leasing if an apartment. What makes it worst, they make it impossible to dispute the inaccuracy they made!
Product: Money transfer, virtual currency, or money service

My complain concerns the service provided by the Citibank, branch - CITI SECURITIES SERVICES OPERATIONS XXXX. 
On XX/XX/2020 I made an international wire from my XXXX XXXX  account in the XXXX ( XXXX ) to the XXXX XXXX ( XXXX ). The transfer went via the correspondent banks - XXXX ( XXXX, XXXX ) and Citibank ( US ) - to the beneficiary bank in XXXX. On XX/XX/XXXX the funds were not delivered to the beneficiary and I initiated the investigation through the XXXX client service. The correspondent bank XXXX presented the proofs that the funds were sent to the Citibank that should have sent them farther to the XXXX XXXX with the particular SPEI number. { SPEI is an electronic funds transfer system owned and operated by XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX. This system was developed to facilitate payments between financial institutions, in addition to enabling them to offer safe and efficient retail payment services to the public. } I provided XXXX instructions and the SPEI number to the XXXX to make the investigation possible from the side of the beneficiary bank. However, the beneficiary bank couldn't find the funds with all these data. Moreover, the database of SPEI number managed by the XXXX XXXX  XXXX  XXXX  doesn't contain this SPEI number provided by the Citibank. The XXXX investigation team requested the confirmation of transfer from the Citibank. There was no response. 
On XX/XX/XXXX I requested the recall of the transfer from XXXX. The bank launched the recall procedure by contacting the correspondent banks and the beneficiary bank. The Citibank was the only bank in the chain that didn't respond to the XXXX. As a result, the funds are still not found, the Citibank doesn't support to do the investigation. 
I am not entitled to apply to the Citibank as I am not a client.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9300.00}, {$9400.00}, {$7000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9400.00} -This is not my account. 


-- XXXX ACCOUNT 3. XXXX/DEPT OF ED with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights.

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX XXXX XXXX XXXX ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent.

Please remove, block or provide me with your investigation results in written form through the USPS for this account : XXXX XXXX XXXX XXXX
Product: Debt collection

CAPITAL CREDIT & COLL Account Number : XXXX Date Opened : XX/XX/2019 Balance : XXXX Reason : Identity theft Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received any information of this collection and why they are charging me {$860.00} not once but twice. Ive reached out multiple times and all they want is my social security. I have actual medical collection bills that have provided me proof of the date, treatments and costs of everything. None of those items come close to XXXX. I am asking for these negative charges to be removed off my report, I have already disputed these items of XXXX transunion, and XXXX multiple times.
Product: Money transfer, virtual currency, or money service

I attempted to purchase shoes for 300 dollars from a seller on XXXX on XX/XX/XXXX. I sent the money through XXXX, through my bank. I inquired about the purchase on XX/XX/XXXX, and on XX/XX/XXXX they deleted their account. I tried to contact them through means give to me via the purchase made. They have not responded, the email attached to the XXXX account is XXXX. The name on the XXXX account is XXXX XXXX. XXXX says they are not liable for the charges made.
Product: Credit card or prepaid card

My name was on business cards for XXXX XXXX XXXX. My husband and I owned this business together. We separated last year and I have not had access to the business information since the end of last year. He bought the business in the divorce in XXXX. I have sent in and he has also sent in forms to switch the business cards into his name. I have faxed and mailed them several times within the 6 months. Chase has not transferred the ownership although they had everything they needed. My name is not even on the business anymore. He stopped paying the cards since they are in my name and it just went on my credit. This should have been resolved a long time ago and he would be paying them.
Product: Vehicle loan or lease

Back in XX/XX/XXXX, when the Corona Virus outbreak began, I heard that Governor XXXX XXXX was offering an assistance program to help families who are experiencing financial hardship due to COVID-19. I had contacted HMF and requested payment assistance with my loan and I asked them to extend the term of my lease agreement. This is because I had lost my job on XX/XX/XXXX and because I spent a lot of money paying them {$600.00} on XX/XX/XXXX for property taxes which is a large sum of money with my low unemployment income. I am leasing 2 cars, a XXXX XXXX XXXX and a XXXX XXXX XXXX for a total lease cost of : {$460.00}. HMF had agreed to delay payments for one month and they told me in order to keep getting assistance, I should contact them every month. After the first month of assistance, I did not call back, as my financial situation stabilized enough for me to make payments. After a period of about 2 months, On XX/XX/XXXX, one of my vehicles had been towed. When I had contacted HMF, they had told me that this happened because I was 3 months past due on my payments. Prior to this, I had auto pay set up from my banking account. Since I had asked for financial assistance, instead of postponing my auto pay, they canceled my previous agreement completely, and left me unaware that my autopay was no longer active. There was no urgent email or mail, informing us that our payments were past due. I agreed and I paid a total of {$1400.00} for two months of payments for 2 cars. I was charged a late fee totaling {$59.00} for 2 cars. 
Since I was late on my payments, HMF charged me an additional miscellaneous charge of {$420.00}. They also destroyed my credit. On top of these extra charges, I spent {$370.00} for towing. This made things very difficult for my son since he was unable to work because his car was towed. This caused a lot of financial problems, ones we would not have if it werent for HMF.

I believe that this situation is only HMFs fault because they didn & # 39 ; t give me full information from the beginning, and they didn & # 39 ; t contact me by email or mail. HMF is abusing the corona virus situation by forcing excessive charges on people who are struggling. Hyundai Financial Department is very unorganized and uneducated. Management is very rude. I & # 39 ; m leasing my 2 cars for 2nd turn  with HMF, but this will be the last one.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan is with Exeter finance, I just refinanced the loan with another local credit union and they overnighted a check XX/XX/XXXX and payoff was dated XX/XX/XXXX as of the XXXX of XX/XX/XXXX Exeter is claiming they havent received it but I am pretty sure they are holding to avoid refunding a portion. Also my original contract was 72 months and I did an extension for one month to bring the term to 73 when I had XXXX and couldnt work, but my credit report is showing a term of 74 months. Company will not fix this issue. As this will also negatively affect my payoff. They will be getting extra money by fraud and I wonder how many other customers they have done this to. Exeter finance should have everything audited and verified
Product: Money transfer, virtual currency, or money service

I paid a merchant in XXXX for over {$2000.00} dollars almost 3 years ago not really sure date and was ask to pay by XXXX when I sent money merchant told me I see it to wrong number I ask merchant was this correct info and they yes. But it ended up being wrong information and couldnt receive money back through bank.
Product: Mortgage

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NJ XXXX Last 4 of  SSN # : XXXX Subject : Fraudulent Account Reporting ( Account # : XXXX ) On XX/XX/2020, I had a telephone conversation with Mr. XXXX XXXX, Manager, at Veterans United Home Loan Company and Lender of my VA backed Mortgage Loan for the the property at the above address. I am a XXXX veteran, and trusted this Lending Company to  handle my VA Mortgage Loan in a honest, trusting, and professional manner. This has not been the case. Case in point, on XX/XX/2020, an employee of an affiliate company : XXXX. XXXX, who handles the finance services for Veterans United, took my personal XXXX Banking information over the telephone, and promised to process a Mortgage Payment in the amount of {$1400.00}. 

However, when checking my Veterans United Account using my Online access, I discovered that the XXXX XXXX employee, XXXX, had not processed or even attempted to initiate the payment. There were multiple times the amount of funds in my XXXX XXXX  Account to cover the Payment of {$1400.00}. Instead, the XXXX XXXX employee entered a Code 87 in to my Account which Blocked me from using my XXXX XXXX   Account to pay my mortgage. The employee insisted on making me a victim of Covid-19. The employee charged me illegal and unnecessary fees, and fraudulently placed a " Payment Reversal '' on my Account. I immediately contacted XXXX XXXX, Manager who directed me to the XXXX XXXX employee and explained the problem. Also, I talked to a XXXX XXXX/Veterans United Manager named, XXXX. XXXX assured me that the derogatory and negative mark would be Removed from my account. This did NOT happen, and the negative and illegal entry remains on my Account. On XX/XX/XXXX, in Miscellaneous Documents, a Letter of Complaint Acknowledgement was placed in my file indicating that by XX/XX/2020, the matter would be resolved. Again, this did not happen. 

On two separate occasions, both managers, XXXX and XXXX, had three-way telephone conversations with me and a representative from XXXX XXXX  to verify if there were amble funds in my Bank Account on XX/XX/2020, and whether or not a Payment was attempted or initiated by the XXXX XXXX employee. It was confirmed both times by the bank 's representative that : " yes, there were funds in the account to cover the {$1400.00} payment for my mortgage, and NO, the XXXX XXXX employee, XXXX, never initiated the mortgage payment. Yet, XXXX, XXXX XXXX employee reversed her statement and stated that I, XXXX XXXX. XXXX rejected the payment being made after first authorizing the payment. This is a blatant untruth. I, XXXX XXXX. XXXX never revoked or unauthorized the payment. 

After countless attempts to have this derogatory Payment Reversal removed from my Veterans United to no avail, I am now reaching out to CFPB to resolve this matter as Veterans United management has refused to remove the negative and fraudulent mark from my mortgage account. 

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

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 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 XXXXXX/XX/XXXX
Product: Debt collection

I have received several " spoofed '' calls from Weiss and Associates threatening to freeze bank account or deliver court documents for unidentified debt. Today, called work number and left pre-recorded message indicated that call originated from `` County Processing Servicing Division '' and wanted me to " make myself available '' between certain time frames for delivery of court documents.
Product: Money transfer, virtual currency, or money service

Scammed..!! 

XX/XX/2019 Deposited cheque of {$6700.00} through Mobile deposit of BOA. 

XX/XX/2019 Cheque was cleared and I called and confirmed the same later which was added to the total available balance. 

XX/XX/2019 Made a XXXX transfer of {$2500.00} as the cheque was cleared and available. 

XX/XX/2019 Cheque went on hold and returned and also charge back fee of {$12.00} charged as Return Fee. 

XX/XX/2019 - Called BOA and reported about these transactions they redirected to BOA XXXX Department and asked to create a claim, created a claim and heres the claim number : XXXX for which they will take from 10-45 business days and without any guarantee that Ill be getting my money back. 

XX/XX/2019 Tried to get some help and approached home branch at XXXX, NJ they asked to schedule appointment during weekdays and shown no interest in assuring or guaranteeing about the claim money for {$2500.00}. 

XX/XX/2019 Again post scheduling the appointment with home branch my spouse had a quick conversation which again was not helpful and was a disguise. 

XX/XX/2019 - Tried following up with XXXX Department at Bank of America they responded that they where unsuccessful in getting the funds back from the other bank of the scammer.