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

Unresolved Identity Theft Incident Resulting in Fraudulent Account and Credit Report Discrepancies I hope this message finds you well. I am writing to express my deep concern and frustration over fraudulent activity that has adversely impacted my credit report that reporting on Equifax only. 
A few months ago, I fell victim to an identity theft incident wherein my XXXX login credentials were stolen and subsequently disseminated on dark web markets. This breach led to unauthorized charges on all the cards linked to my XXXX XXXX, including a particularly significant fraudulent charge on my XXXX XXXX XXXX credit cards. 
The account details for the fraudulent charges are as follows : XXXX XXXX XXXXXXXX account, opened on XX/XX/, with a balance of {$7400.00}. 
XXXX XXXX XXXXXXXX account, opened on XX/XX/, with a balance of {$1000.00}. 

The total unauthorized charges on these accounts alone exceeded {$8000.00}. 
Upon discovering these fraudulent activities, I promptly filed reports with both the local police department and the Federal Trade Commission ( FTC ). Copies of these reports were forwarded to the major credit bureau, and Equifax as part of my dispute process. 
Despite my earnest efforts to resolve this issue and numerous disputes submitted, I regret to inform you that this credit bureau have yet to adequately address my concerns. Not only has their response time significantly exceeded the 30-day period stipulated by law, but I also believe that a thorough investigation into my case has not been carried out. Consequently, the fraudulent XXXX XXXX XXXXXXXX card is still unjustly affecting my credit report. 
Given the severity of this issue, I am now turning to the Consumer Financial Protection Bureau ( CFPB ) in the hope that you can facilitate a proper investigation into this matter. I am keen to get this fraudulent XXXX XXXX XXXXXXXX card removed from my credit report promptly to prevent further damage to my financial wellbeing. 
Thank you for your attention to this pressing issue. I am looking forward to your prompt response and assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block inquiries that not authorized. It appears that my credit with you has been compromised, these inquiries being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following inquiries that you must remove are listed below : XXXX XXXX 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

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED XXXX XXXX XXXX  - XXXX {$420.00} XXXX XXXX XXXX XXXX XXXXXXXX {$420.00} XXXX XXXX XXXX  - Account Number : XXXX {$290.00} XXXX XXXX XXXXXXXX - 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off the loan -- in full -- on XX/XX/XXXX ; that's the day XXXX delivered the check. XXXX XXXX XXXX claims they didn't credit the account until XX/XX/XXXX. 

XXXX XXXX XXXX told me it takes them 30 - 45 days to update their system ( which is outrageous because they IMMEDIATELY report if I miss a payment ). 30 days from receipt of the payoff check would be XX/XX/XXXX. As of XX/XX/XXXX, XXXX XXXX was still reporting the loan open and now 90 days late. On XX/XX/XXXX ( after 45 ) the account was still listed as open and 90 days late on my Experian report. 

As of XX/XX/XXXX, XXXX XXXX XXXX still reporting the account as open and late to Experian and XXXX ; thus harming my FICO score and my individual credit rating at Experian and XXXX at 60 days since I paid off the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy. I reaffirmed my car loan with Chase Auto Finance never missing a payment. I have documented proof, a payment history summary. I have asked Chase Auto Finance to submit the correct principle balance to all Credit reporting agencys on several different occasions through there recorded customer service. I have disputed this matter with the Credit reporting agencys, to no avail. My principal balance as of today is {$12000.00}. Chase Auto finance is reporting as of XX/XX/2018 my balance is {$17000.00}. This discrepancy can only be some form of punishment for my Bankruptcy. Chase Auto Finance was the only reafirrmed loan on my Bankruptcy Petition. I am simply asking that the correct dollar amount of my principle balance be reported to all Credit Reporting agencys for future employers and lending agencys to access my record.
Product: Credit reporting

It 's concerning the XXXX auto payment closed XXXX of 2008. We paid that bill in full after the car was totaled by the insurance company- XXXX XXXX XXXX There should not be anything derogatory concerning this account. We were never late on payments and they received the total due in XXXX of 2008. I would like this negative mark removed from my credit report. Please check with XXXX to confirm. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX are furnishing information that is not 100 % accurate and correct. They also are presenting information on behalf of consumers without the direct written consent of the consumer, and that is a violation of permissible purposes. I sent in dispute letters and no one has got back to me, Ive called and they say they are still under investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX. I AM A XXXX YEAR OLD SINGLE MOTHER OF XXXX. DURING THE YEARS OF XX/XX/XXXX ; I AM/WAS HOMELESS WITH MY XXXX KIDS AFTER THEIR FATHER WALKED OUT. DURING THESE TIMES I HAVE BEEN IN AND OUT OF XXXX SHELTERS. BACK IN XXXX OF XXXX ; MY PURSE, SOCIAL SECURITY CARDS, AND OTHER PERSONAL INFORMATION WAS STOLEN. THE WOMAN THAT I SUSPECT IS XXXX XXXX ; BUT, THAT IS ALL THE INFORMATION THAT I HAVE ON HER. I HAVE TRIED MANY TIMES TO GET THESE INQUIRES REMOVED AS I DID NOT AUTHORIZED THEM, AND I AM NOT SEEKING CREDIT. I HAVE CONTACTED XXXX  AND THIS COMPANY PERSONALLY, AND THE COMPANY STATES THEY CAN NOT FIND ME IN THEIR SYSTEM, I SENT OVER SCREEN SHOTS ON THE INQUIRY AND THEY REFUSE TO DELETE STATING I DON'T HAVE AN ACCOUNT WITH THEM. I CONTACTED XXXX   AND THEY SAY I NEED PROVE THAT THE ACCOUNT IS NOT MINE AND A STATEMENT FROM THIS COMPANY ; WHICH IS NOT POSSIBLE DUE TO THE COMPANY HAVING NO RECORD OF ME. I EXPLAINED THIS ISSUE TO XXXX AND XXXX AND THEY BOTH DELETED THE INQUIRY, BUT XXXX  IS REFUSING. MAY YOU PLEASE HAVE THEM DELETE THIS INQUIRY AS IT IS NOT AUTHORIZED BY ME. I AM XXXX  AT THIS MOMENT, AND A NOT SEARCHING FOR ANY NEW CREDIT OR LOANS. I HAVE NO KNOWLEDGE OF WHAT OR WHO " XXXX ''. THE ONLY ACCOUNT THEY CLAIM TO HAVE THAT MATCHES MY SOCIAL SECURITY NUMBER IS FROM XX/XX/XXXX. 

THANK YOU,
Product: Debt collection

On XX/XX/2023 I received a debt collection bill from Bull City Financial Solution by email and a negative reporting on all three credit reports. I did not receive anything in the mail regarding this alleged debt that Bull City Financial Solution claim that I owe. I am letting Bull City Financial Solution know there claim has been disputed and I have no contractual agreement with them. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe including a full accounting of allege account. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPPA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that XXXX does allow the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and XXXX authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, through the Consumer Financial Protection Bureau, as a formal debt validation request, which I am allowed under FDCPA because you will deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with the above requested proof. Upon receiving it, I will correspond back by through certified mail return receipt. I would like to cease and desist ALL communication with Bull City Financial Solution. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

BARCLAYS BANK DELAWARE has ran my credit reports without my consent i am really upset about this due to the fact i am trying to get a home and got denied due to their fradulent inquires. XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested multiple times the unacquires be removed of my credit profile. This issue has limited my ability to seek employment, obtain credit, and I am not able to get loan and credit that qualifies to my personals because of this issue
Product: Debt collection

XXXX XXXX ( for Zales ) continues to call from blocked numbers, no caller ID numbers or spoofed phone numbers. The person calling acts as if they are a personal friend before engaging in debt collection information.
Product: Mortgage

I submitted a loan modification package to SN Servicing Corporation on XX/XX/XXXX. On XX/XX/XXXX I received a letter of missing documents. On XX/XX/XXXX, I sent the servicer the documents they were requesting. They should have had a complete loan modification package by XX/XX/XXXX. On XX/XX/XXXX I received the letter of denial, how is it possible they that review my file in a short period of time? On XX/XX/XXXX I received a letter of sale. I feel like the servicer is more concerned about taking my home rather than giving me a fair chance to keep it. In the matter of about three business days they decided to deny my loan modification, how is that giving me a fair chance/
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I am also aware that the credit bureaus have and additional 15 days which has also passed ( exhausted ). I haven't received any investigation results.
Product: Credit card

So recently I had numerous of charges that were on my credit card that were fraudulent. I went ahead and made a dispute with my bank in order to have this rectified, and I was told that they were proceeding with the claim and they would do an investigation after doing my claim couple months later, I get a letter from Chase credit card indicating theyre going to go ahead and close out my account due to this fraud claim that I have submitted Im confused why they give you an option to file a fraud claim when someone is using your account without your knowledge, Ive been trying to do everything in my power to have this fixed with Chase credit card And they failed to do so they are just giving me the runaround and not trying to have this fixed or reinstate my account. This is stressful and an inconvenience for me.
Product: Debt collection

My identity was stolen by someone and they open two accounts with Sofi lending company, Social Finance Lending. We have sent documents supporting that fact six or seven times. The police report, the identity theft report any other supporting documents. They keep sending it to another attorney and another attorney. This has been going on since 2015. They quit collection process on one of the loans and acknowledged it was fraud but now they're trying to collect on the other loan. If they acknowledged the first loan was fraudulent they should acknowledge the fraud on the second loan.

We demand that they stop the collection process and quit ignoring federal law immediately. We hand-delivered a 35-page folder of all the documents. They were delivered to XXXX XXXX Senior Site Leader. She is in the XXXX XXXX, Utah office. The documents also mailed priority to their current attorney XXXX XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

This account is reflecting three times with three different amounts. incorrect and incomplete information. Per 609 law they must provide me with all documents and proof of debt. I've requested twice and have received no response. This is a credit error please remove.
Product: Debt collection

This company is not legally registered in my state to try to collect debt from me. I've never heard of this company and have never done any form of business with them
Product: Credit card

A balance transfer was initiated from my Citibank Credit Card to my XXXX line of credit on XX/XX/year>. XXXX does not accept balance transfers and returned the funds on XX/XX/year>. I provided Citibank proof that the funds were returned. After at least 15 recorded calls from me to Citibank including a 3 way call from myself with XXXX and Citi the funds are still not credited back to my Citi account. On XXXX XXXX, a representative from Citibank stated that they received the funds back on the XXXX of XXXX and should be " credited back to me within a couple of business days '' I still have not received credit for these funds. XXXX does NOT have these funds and Citi is stating they dont have these funds. I keep getting the runaround from Citibank when they even said they see the funds have been returned to them. Again all calls were recorded by Citi. Its been 2 months and im still out {$1500.00}
Product: Credit reporting or other personal consumer reports

I have requested my inquiries be removed from my Experian and XXXX XXXX XXXX report to date still has not been successful. I have tried everything but it is being ignored.
Product: Credit reporting or other personal consumer reports

After reviewing my consumer reports, I noticed inaccurate late payment records on an account where I have always made timely payments. I have enclosed the inaccuracies in red in the attached file. Since consumer reporting agencies are responsible for maintaining accurate records, it is essential that my report reflects only verified and correct information. I have never missed a payment on the following account : XXXX, XXXX. Therefore, I request a detailed review of these discrepancies and ask that you provide documented proof, such as billing statements, to support the reported alleged late payments. If no such evidence exists, I insist that these records be updated immediately to reflect my consistent on-time payment history.
Product: Credit card

Five fraudulent charges were made on XX/XX/XXXX to XXXX XXXX XXXX in XXXX on my XXXX. I immediately reported this to the fraud department at Truist Bank and told them that none of these were mine. They have reversed three of the charges, but two are still outstanding and, despite four phone calls with the bank fraud department, this has not been resolved.
Product: Mortgage

This is NOT about me applying for a loan, this is about fraudulent practices. I received a mailer from EnTrust Funding, a mortgage company out of XXXX, AZ. When I called to ask to be removed from their mailing list, a representative named XXXX told me the VA sends these out and just uses their company as one of their businesses. Besides having a VA loan, I am an XXXX XXXX XXXX XXXX XXXX XXXX and I know an awful LOT about the VA and how to spot businesses who prey on veterans. I called back and spoke to a rep named XXXX and said his coworker was passing out fraudulent lies and advised him to make sure the manager or owner of the company knew it and enforced the truth out of their company. 
The company is : EnTrust XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX {$2300.00} Shows this account was opened in XXXX of XXXX  and that is incorrect this account is old and dated back to XXXX. The amount is also incorrect. I have disputed this with XXXX as well as XXXX XXXX and no action is being taken. This should no longer be on my credit account. I at one point got a response that information was correct I has submitted but was never removed from my credit report. 

Portfolio Recpvery XXXX XXXX  XXXX {$460.00} This account also has in correct dates and is too old to be on my account I have filed several disputes with nothing being done nor even a response.
Product: Checking or savings account

The Capital One Bank or Capital One took it upon themselves to not handle a big dispute for my financial status at the moment and they also neglected to distribute funds for my other disputes. They took away more than half a grand price from my account even though it was credited monetarily and then they changed their mind, I suppose?
Product: Checking or savings account

My Wells Fargo Debit card was used in a fraudulent transaction on XX/XX/year> totaling {$500.00}. 
This happened at a NON-Wells Fargo ATM that is across the street from my regular bank. I did not make this transaction, I've had my card on my person while this transaction took place.

Wells Fargo is denying my claim stating that this was me or someone I know making the transaction. 

In my many years with Wells Fargo I have never withdrew large amounts of cash and certinly not at a NON wells fargo ATM. 

This was clearly a Skimming scam.
Product: Debt collection

My ex-wife fraudulently opened this XXXX/XXXX  account which reports a debt she owes at {$710.00} without my consent.
Product: Vehicle loan or lease

Santander USA, was hidden that this was a simple interest loan. I pay early and every week and only XXXX has been taken off my loan in a year and a half. 24 % or more interest rate. Charged to make payments. No phone calls every month are documented when I call to question the fees and nothing has been done
Product: Checking or savings account

A major bank in Alaska called Alaska USA federal credit union e mailed all their members a new policy with predatory over draft fees. 

In the e mail it says members will be charged {$25.00} per over draft and will continue to charge an additional {$25.00} per day until its paid off. 

I called the bank and spoke to a manager and confirmed these fees are the new policy and will be enforced no matter the situation even if a members card is stolen or a bank error This is by far the most extreme fees Ive ever seen in my life and it must be stopped.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. i did not provide written permission for the identied transaction to be reported on my consumer report. i am demanding that the information be locked and deleted. my request to block is not being made in error, nor is my request to block the identied transactions as information related to any transaction by me XXXX XXXX XXXX XXXX XXXX original creditor 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 honestly don't understand what is going on! I just recently in the last week requested a copy of my credit report like I always do in the beginning of every year to address whatever may be an issue or inaccurate. This time, not only did I request my report but recently I asked for a credit increase on one credit account. This morning, I received a message that I no longer have a FICO score. Which makes no sense because I haven't done or used anything credit wise to no longer have a credit score. Yesterday, it was a XXXX. Now I have nothing. How is that even possible?