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

Dear CFPB, I hav contacted XXXX XXXX numerous times to get some resolve with account ending in # XXXX in which there is an existing CFPB complaint XXXX where an investigation was started. XXXX XXXX did in fact react out to me to advise that they are looking into the matter but the last communication was XX/XX/XXXX. I would like to know if they can't get me the information that they are reporting to the credit bureaus about a fraudulent account then how and why are they saying this is a valid account when they can't give me answers. Times are difficult right now for a lot of people and I've been dealing with this which is damaging my creditworthiness and has been for awhile now. 

I've expressed to XXXX XXXX that someone used my ID, my social etc and opened this particular account. I was recently contacted by the Internal Revenue Service where someone filed my XXXX taxes even though I myself haven't even filed. I am not sure if XXXX XXXX just want to damage a persons life more or what but it sure seems this way. Again, I dispute with the bureaus and they verify and say it's valid but XXXX XXXX case # XXXX has not been helpful at all in the matter. At this point it's been since XXXX and should be deleted based on the shortcomings alone that I've been put through. 

I am also asking that XXXX, XXXX, and Experian look into this matter also and tell me how they are validating an identity theft account? I am attaching my last piece of communication from XXXX XXXX dated XX/XX/XXXX and ask that they please delete this for my police report, my Federal Trade Commission XXXX has been attached again for review. I am also attaching the IRS identity theft letter ( it gets no more official than this ) this person used my name, signed my name, and filed taxes as me- to show them that a person can have all of my information and it " NOT '' be me Please help! and stop hurting me. I'm having very difficult times right now and I am sure many of us are. I need a person with a heart to read this and understand I need this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has the wrong dates. Deliquent Payments started in XX/XX/2012, which means it should expire. They state XX/XX/2012, which are 8 months later than when it really occurred.
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), another personal credit card account opened at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX ), another personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), and another credit card account opened at XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX ) and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) .These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

Citibank closed all three of my accounts starting with my savings account. They sent me this email stating that it will be closed. They said I violated something but Im not exactly what it was. They gave me a number at the bottom of the email that I could call Ive called multiple times and everyone keeps saying the same thing that I have to wait. There is no explanation and then they just hang up the phone, maybe Ill get a letter in 60 days not sure they also say that I might get my money back if I am entitled to it I just have to wait. I have bills that need to be paid that I cant pay because I dont have access to my money they didnt only close my account. They also close my mom 's account with no explanation as well. They close the checking account that I normally get paid in. My boss even paid me on XX/XX/XXXX from XXXX I have proof from XXXX stating that they did not send the money back to XXXX so my boss is out as well. she doesnt have the money and that was on XX/XX/XXXX And today is XX/XX/XXXX and my account was closed on XX/XX/2022. I need help because I need access to my savings. I have two savings account accounts with Citibank and one checking which all have funds in there and I cant access them, and I have bills to pay and I need that money to pay rent. I need that money to pay the light bill and he got money to buy food and put gas in my car to get to work. I cant wait any more days for them I was also told not to go to any branches to get it resolved because I would get the same response that everybody has been giving me over the phone. What is it states in the email that if I wan na get my money sooner I should call or go to a branch but so far they have not
Product: Money transfer, virtual currency, or money service

Commencing on or about XXXX XX/XX/year>, I fell victim to XXXX multi-layered scam operations run by XXXX - XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( XXXX ).
Product: Credit reporting

This is a complaint against ALL XXXX credit reporting agencies. 
I have reached out to all three credit agencies ( XXXX, Transunion and XXXX ). As well as contacted XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, and the original Creditor who was to finance a possible car loan, XXXX XXXX XXXX. 

No one responded to me, except XXXX and Transunion. I completely disagree with all three credit bureaus as they refuse to combine the multiple inquiries from one company ( XXXX XXXX XXXX ) which MUST be combined, when done within the same time frame for the XXXX company. 

This is causing me a HARD INQUIRY on my report. XXXX to be exact. These are duplicate entries that the bureaus MUST delete. I understand that XXXX and all of its affiliates may not use the same data for each credit inquiry, nonetheless, it is XXXX transaction, which was split. I request that XXXX, Transunion and XXXX combine all the Auto Credit HARD Inquiries on my account. They have the same for my husbands account which is not right. 

Below is what was in the letter, sent my certified mail, a response was received last week from XXXX and Transunion stating there will be no change. 

Acct XXXX : Hard Inquiry : Listed XXXX times by XXXX with different banks, dated XXXX/XXXX/2014 and XXXX/XXXX/2014 which should only be listed as XXXX hard inquiry. I said we were not interested any more in purchasing a vehicle and XXXX XXXX and his XXXX XXXX XXXX insisted on calling every day to finance us with a used car. I have also contacted their company with no response. XXXX XXXX XXXX ( Dated : XXXX/XXXX/XXXX ) should be the only one listed with the next XXXX as XXXX inquiry. Please see all the inquiries below and the date they had banks review my credit. 

XXXX XXXX XXXX XXXX, 2014 XXXX XXXX XXXX XXXX, XXXX XXXX F XXXX XXXX, 2014 XXXX XXXX XXXX XXXX, 2014XXXX XXXX XXXX, 2014 XXXX XXXX XXXX, 2014XXXX XXXX XXXX XXXX XXXX, 2014 XXXX XXXX XXXX XXXX XXXX, 2014
Product: Checking or savings account

On XX/XX/2022, a XXXX transfer of {$220.00} was made to my account without my authorization. I reported this fraudulent transaction in person at my local TD Bank branch and filed a claim for reimbursement. After a delay of several weeks, I received correspondence from TD Bank denying my claim without much detail. At the time I reluctantly accepted that decision assuming I had no recourse. However, I recently discovered an article in the XX/XX/2022 edition of XXXX XXXX XXXX XXXX ( copy enclosed ) that reported the following : Banks are not repaying customers who contest unauthorized XXXX payments. This practice potentially violates federal law and XXXX XXXX XXXX XXXX ( CFPB ) rules. 
XXXX claims to have a XXXX-liability policy for cases in which a bad actor gains access to a consumers XXXX account and uses it to make unauthorized payments. 
The Electronic Funds Transfer Act ( EFTA ) and the CFPBs Regulation E require that banks repay customers when funds are illegally taken out of their account without authorization.
Product: Credit reporting or other personal consumer reports

The three credit bureaus are reporting incorrect items on my credit report. I'd like you to help me to submit my complaint and demanding them to explain why all the negative items are still reflecting on my credit report..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XX/XX/2022. XXXX $ I called company told them I was Very XXXX and was out of work, I would do what I could but pls dont put dilquent payment on my report,
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. 
I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : XXXX XXXX. 
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 
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: Debt collection

On XXXX Called 3 times repeatedly shortly after XXXX XXXX. 

Called again at XXXX from a blocked number- gave lawyer information ( name and phone number ) told them that they need to speak to my lawyer. Started raising voice with me, stating that I was being uncooperative. Despite the fact that I had given the only information that should have been needed several times, as I had to keep repeating. 

Caller proceeded to call 3 more times.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the Sumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN port anything on my consumer report which violates my rights as a federal prot umer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletions listed IMMEDIATELY!
Product: Credit reporting

The XXXX XXXX account being reported on my credit report has been settled and there is a XXXX balance. My experian report is not reflecting as such. I am in the process of buying a house and this discrepancy came up. I demand full deletion immediately.
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 USC 1681. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Collections account ) XXXX  XXXX XXXX XXXX XXXX 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 XXXXXXXX, 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 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: Credit reporting or other personal consumer reports

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT WAS DEEMED UNVERIFIABLE AND REMOVED FROM MY CONSUMER REPORT. I PULLED A COPY OF MY REPORT AND NOTICED THE ACCOUNTS BACK LISTED UNDER FCRA 15 USC 1681I ( 2 ) A, I WAS SUPPOSED TO RECEIVE A WRITTEN NOTICE WITHIN 5 BUSINESS DAY BEFORE REINSERTING ACCOUNTS TO MY PROFILE I DID NOT RECEIVE ANY CORRESPONDENCE VIA MAIL. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B. 

EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB.

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Debt collection

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. Company or Organization : PORTFOLIO RECOVERY Date fraud began : XXXX  Date that I discovered itXXXX Total fraudulent amount : {$500.00} Pursuant to 18 usc 8 , I owe no debt. This company is violating my consumer right to privacy pursuant to 15usc 1681b 2 company has also no permission to report Anything using my info pursuant to 15usc 1681 4
Product: Credit reporting or other personal consumer reports

I do not recognize the following accounts, I believe they are the product of identity theft. I have called these creditors and alerted them, going as far as asking for written proof but so far they have denied me. The accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 AM REQUESTING A RE- INVESTIGATION OF THE INQUIRIES ON ALL 3 CREDIT BUREAUS. THERE ARE 23 INQUIRIES ON MY XXXX CREDIT REPORT THAT I DID NOT AUTHORIZE. AS YOU CAN SEE SOMEONE USE MY IDENITY AND OPEN UP ACCOUNTS IN MY NAME IN XXXX XXXX NEVADA. A PLACE I HAVE NEVER LIVED AND I AM STILL FIGHTING TO HAVE THIS NEGATIVE INFORMATION REMOVED FROM MY CREDIT FILE. I DID NOT AUTHORIZE THESE INQUIRIES AND I HAVE MAILED LETTERS TO EACH CREDITOR ASKING FOR REMOVAL OF MY CREDIT REPORT. I AM ASKING AGAIN FOR A RE INVESTIGATION FOR THE REMOVAL OF ALL 23 INQUIRIES OFF MY CREDIT REPORT FROM XXXX AND 26 FROM XXXX AND EXPERIAN. I HAVE DONE MY PART BY SENDING OUT CERTIFIED LETTERS TO THE COMPANIES AT THIS TIME I AM ASKING FOR DELETION OF MY CREDIT FILE. THESES WERE ALL FRAUDULENT INQUIRIES
Product: Credit card or prepaid card

On XX/XX/XXXX, I got an email from American Express : Title : " Congratulations XXXX! Get Exciting New Benefits When You Upgrade to The Platinum Card '' Subject : " Dear XXXX, We appreciate your loyalty and your existing relationship with us as a Premier Rewards Gold Card from American Express Card Member. To make sure you get the most out of your Card Membership we wanted you to be among the first to hear about the exciting new benefits of The Platinum Card. These benefits are designed to bring you best-in-class service whether you are traveling or at home. 

Explore just a few of the many ways to experience the exceptional travel perks and rich rewards when you upgrade to The Platinum Card. With an abundance of premium benefits and services, the {$550.00} annual fee quickly pays for itself. 

XXXX Membership Rewards ( R ) Points ( 1 ) Earn XXXX  Membership Rewards points after you spend {$5000.00} in purchases on The Platinum Card within the first three months of Card Membership. XXXX points can get you up to {$600.00} toward travel. 

Get new privileges, possibilities and perks you deserve designed for your lifestyle. This offer expires XX/XX/XXXX. Upgrade now or call XXXX and mention POID : XXXX. '' So I chat with an Amex CSR asking about some fees when upgrading. After that, he asked me if he can upgra
de the card to Platinum through chat, I said Yes. There is no place in the email said that I will not get the rewards if I upgraded through CSR chat. Then I fulfill the spending requirement in 2 months.
After that, I checked again with Amex but they said they could not give me the rewards because I upgraded through chat. They escalated the case to marketing department with case number XXXX. A month after that, they came back and still stayed firm that I would n't get the rewards because I upgraded through chat! 

I am very disappointed at how American Express handling this case. There is no place in the email stating that I should not apply through CSR chat. That is a very deceptive marketing tactic from Amex. Also, As Amex Platinum is a prestige card with annual fee of {$550.00}, Amex should treat their customer a lot better than that.
Product: Debt collection

I have received, at a minimum, XXXX ( XXXX ) telephone calls from a company identified on my telephone " Caller ID '', as " ARS National Se '', from telephone number XXXX. They ask to speak to a " XXXX XXXX XXXX '', a name similar to mine. I have told them on at least three ( 3 ) occasions that they have the wrong number and the wrong person, and I have asked them to stop calling me. They still persist in calling. 

The calls recorded on my caller ID are as follows ; 1 ) XXXX/XXXX/2016 at XXXX 2 ) XXXX/XXXX/2016 at XXXX 3 ) XXXX/XXXX/2016 at XXXX 4 ) XXXX/XXXX/2016 at XXXX 5 ) XXXX/XXXX/2016 at XXXX Each time the caller stated that the conversation was being recorded. I told them on tape, if they did tape it, that I was not the person they named, and this was not his phone number, and to please take my number off their calling list. They have not complied. 

I am interested in pursuing taking actions against the person/organization responsible for all of the calls.
Product: Vehicle loan or lease

Mariner Finance is using predatory unethical, illegal and predatory lending practices. I renewed a loan in XX/XX/2019 requesting additional funds for a family emergency. The loan was approved for a specific amount. When it came time to sign the papers, they told me they would add another {$500.00} to the loan and use my vehicle for collateral. I told them there was no value in the vehicle as I had filed a GAP claim for a TOTAL loss. They proceeded to file a lien with Motor Vehicle anyway. The GAP claim has been settled, the vehicle has been deemed a TOTAL loss, the first lien holder has released their lien and Ive purchased another vehicle. I received no cash for the vehicle. 
They also, without my permission, proceeded to contact my insurance company and add their company as an additional loss payee. Our insurance company based on the presence of an additional loss payee, raised our rates. 
As instructed by the first lien holder, I went to the Department of Motor Vehicle to change  the title to a salvage vehicle. They would not do that until Mariner Finance releases their lien which they refuse to do.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of dispute, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate My claims adequately. They informed me that the recovering lost funds was impossible, and that tracking these transaction was unfeasible the CFPBs finding Indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving userss vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

This company can not verify conviction in accordance with FCRA standards. I will submit a copy of my future federal complaint that outlines my issues.
Product: Mortgage

As a result of a divorce granted by the state of Maryland on XXXX XX/XX/XXXX, my ex-husband was to assume the mortgage and I was to be removed from the deed as per the divorce decree. I was removed from the deed on XXXX XX/XX/XXXX. The release of liability form from the ex-spouse was sent to XXXX, XXXX on XXXX XX/XX/XXXX, but I had not heard from them. The release of liability was sent again on XXXX XX/XX/XXXX as no contact had been made. It was not until I demanded contact from a XXXX employee in XXXX that I was made aware that the VA also has a procedure. I completed with the VA in XXXX. The ex-husband used his VA loan to apply for the house, and the VA released me from liability on XXXX XX/XX/XXXX. I forwarded this release paperwork to XXXX, XXXX on XXXX XX/XX/XXXX. I emailed one of the employees to request a status update on XXXX XX/XX/XXXX, and a request for an update from customer service was made. On XXXX XX/XX/XXXX, I followed up with the employee again, and I received a phone call. I was informed that they had not received the release of liability paperwork. This is inaccurate because it was sent in XXXX and again in XXXX. On XXXX XX/XX/XXXX, I was informed that other information was missing. I once again sent the dissolution of marriage agreement, the release from the VA, and the release of liability to XXXX on XXXX XX/XX/XXXX. The next correspondence was from an employee on XXXX XX/XX/XXXX that informed me my documents have been sent to the operation department, and I have heard nothing back since despite calling and emailing.
Product: Credit reporting or other personal consumer reports

This company is reporting inaccurate address birthday and name on my consumer report federal law states if a consumer is reporting in accurate information on my consumer report it XXXX deleted this is a inaccurate account can you please delete this information