23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My cell phone was hacked and in the time someone had access to my phone I had several charges from my bank account. My bank investigated and stated that it was indeed fraudulent charges and refunded me my money 100 %. 

The hackers attempted to purchase an XXXX and send it to a house in Florida. Again, I was able to stop that. 
They did open several accounts for Affirm Loan Services which payments are due now. 

How I found out was randomly pants showed up at my house. {$300.00} pants. I reached out to Affirm and their fraud department decided I was still responsible for said charges. I provided them with the the documentation from my bank stating the banks fraud department determined that I had had fraudulent charges around the same time as the loans had opened up. They closed out my case and XXXX XXXX a Supervisor on the Affirm Customer Care Team stated the investigation was not reviewable at this time. 

Below are the following information for the 3 accounts opened under my name without my knowledge or permission. 

Creditor : Affirm Load Services XXXX XXXX XXXX XXXX XXXX, CA XXXX Payment Agreement ID : XXXX Number of Payments : XXXX Amount of Each Payment : {$27.00} Due Biweekly Starting : XXXX Total Payments : {$110.00} Creditor XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Payment Agreement ID : XXXX Number of Payments : XXXX Amount of Payment XXXX through XXXX : {$100.00} Amount of Payment XXXX : {$100.00} Due Monthly Starting : XXXX Total Payments : {$320.00} Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Agreement ID : XXXX Number of Payments : XXXX Amount of Payment XXXX through XXXX : {$86.00} Amount of Payment XXXX : {$86.00} Due Monthly Starting : XXXX Total Payments : {$260.00} Please help me get this fixed. I went to the company and even though I had no knowledge or gave no one permission to use my name they are still stating I am responsible for this. I can't afford over {$600.00} in charges for pants. I'm a XXXX shopper for me and my XXXX kids. 

My XXXX  screenshots will show that at XXXX on XXXX someone had transferred my XXXX card to another Cell phone. On the same day at XXXX my sim card was transferred back. Then after that they flagged my account for all XXXX card transfers.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  trafficking of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX.XXXX SS # XXXX Transunion Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from XXXX XXXX which was made on XXXX XXXX2016. I checked my credit report, which I acquired from Transunion. I have contacted XXXX XXXX who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter, Sincerely,
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

on XXXX i submitted through register mail my FTC Identity Theft report along with a cover letter, 609 B letter, copy of my driver licensee explain that the hard inquires and XXXX closed and open accounts were not mine. i mentioned that i was a victim of identity theft and they just keep ignoring my disputes and documents. i called all 3 credit agencies and they mentioned that they did not received it. i have the copies of the registration mail and i tracked it where i know they received the complete package for these disputes. 

please i was reading that you guys the CFPB can help me and hopefully all 3 bureaus can finally get these fraudulent accounts deleted on XXXX i submitted online the same information and uploaded all the same documents. they said they never received it please i need some help ASAP i'm closing on my home
Product: Checking or savings account

On XX/XX/XXXX, I attempted to deposit a check in the amount of {$6600.00} via the Chase mobile deposit app. On XX/XX/XXXX, the deposit was reversed with the reason being that the back of the check image was unusable. On XX/XX/XXXX I took the check to a physical location and deposited it in the ATM at the branch located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX along with another check. The total deposit amount of the two checks was {$7000.00} and the posting date was XX/XX/19. The check deposit in the amount of {$6600.00} was again reversed with the reason being that this was a " duplicate '' deposit. 

On XX/XX/XXXX I contacted Chase and asked them to open a dispute and review the deposits so that they could determine that the second deposit was not, in fact, a duplicate but rather the physical deposit of the check that was not accepted due to the image error. I received a response on XX/XX/XXXX stating that the transaction was processed correctly and that there would be no adjustment to the account. 

My deposit in the amount of {$6600.00} has been reversed twice now and I am no longer in possession of the check since the physical check was deposited at the ATM.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX , am writing to address significant concerns and harm being caused related to potential violations of the Fair Credit Reporting Act ( FCRA ) and Privacy Act of 1974 ( 5 U.S. Code 552a ). XXXX XXXX XXXX and the credit reporting agencies Experian, XXXX and XXXX are not adhering to these standards. Citing 15 U.S. Code 1681 - Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

( b ) Reasonable procedures - It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Citing 15 US Code 1681a ( d ) ( 2 ) Exclusions ( A ) ( i ) the term Consumer Report does not include any report containing information soley as to transactions.

Furthermore according to IRS law, a charge off is considered a certificate of indebtness and is considered income and therefore can not be reported.

If you decide to not update my account then I will be forced to enforce my rights under 12 CFR 1016.7 stating that " A consumer may exercise the right to opt out at any time. ''
Product: Credit card or prepaid card

I have sent this complaint to the XXXX, credit bureaus who Im currently suing as well as the CFPB in which I never got a response. This account needs to be deleted from my credit reports immediately because its in violation of the FCRA. I dont need to hear how removing accounts is an FCRA violation. Whats a violation is how the credit bureaus are verifying inaccurate information & how Navy Federal is continuing to report inaccurate & derogatory information on my credit report to try & blackball me from ever getting access to higher limit credit funding.
Product: Bank account or service

I opened an account in Citibank with promotion code XXXX. 
The terms of this promotion is as follows : Make an eligible deposit of {$50000.00} or more in new-to-Citibank ( R ) funds into your new Checking or new or existing Citibank Savings Plus account within 30 days after account opening. Maintain a minimum of {$50000.00} for the next 30 days to receive your bonus. The cash bonus will be credited to your new checking account within 90 calendar days from the date when you completed all offer requirements. 
THE ACCOUNT WAS OPENED ON XX/XX/XXXX AND THE DEPOSIT OF {$50000.00} WAS COMPLETED ON XX/XX/XXXX. 
PER THE REQUIREMENT, THE BONUS AMOUNT SHOULD HAVE BEEN CREDITED IMMEDIATELY AFTER THE 90 DAY PERIOD WHICH WAS XX/XX/2016. 
I HAVE BEEN CALLING CITIBANK AND ALSO SPOKE TO A MANAGER AT THE CITIBANK XXXX XXXX BRANCH : PERSON : XXXX. AND THEY KEEP TELLING ME TO WAIT AS THEY ARE DOING AN INVESTIGATION ON THIS. 
I WOULD LIKE THE BUREAU TO INTERVENE AND GET ME MY MONEY ASAP. 
THANKS
Product: Student loan

I want my private loans for Navient discharged due to XXXX XXXX being deceiving, a non-credited school, school misconduct, and defrauding borrowers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX 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: Checking or savings account

While I was on vacation from XX/XX/XXXX - XX/XX/XXXX my debit card was lost. I realized it was lost the morning of XX/XX/XXXX. I had just packed away my dirty clothes and things I did not need for my next XXXX days and assumed that i had misplaced it in there. I went ahead using my XXXX pay wallet for the remainder of the trip. My apple pay wallet requires, when charged as a debit, to enter in my pin number. When I arrived home I realized that their were $ 300+ worth of charges that I did not make and my debit card was no where to be found. I called the bank and submitted the fraud claim and was provided a provisional credit and was assured that if I lost my debit card that this would be straightened out. A few weeks later I woke up to my account balance being negative due to those provisional charges being reversed. I looked on my online banking and did not receive any correspondence from Chase bank saying that the fraud claim did not go in my favor or any explanation. I called the bank, was transferred around two 3 separate reps and when asked why it was denied, they just said the fraud claim didn't meet their policy requirements. I asked if I could resubmit the claim and they said no and that I was responsible for bringing my balance to positive and if I didn't I would be sent to their collections department. I called once again that week trying to get more answers and they said it was because XXXX of the transactions I submitted was made using my pin and asked if I had my debit card pin written on the card or anywhere in my wallet. I had my pin written in my wallet but it was still in my wallet so i don't see how that would matter. They then said that because i had done that it was not their problem and I was responsible for the funds, and found it suspicious that I disputed a transaction that I used my pin for. I realized it was my mistake and I had made that transaction using my XXXX wallet. I tried to explain this and the woman rushed me off the phone saying that there was nothing she could do. Now I'm continuously getting collection calls from chase to pay back funds for purchases that I didn't make. I have since switched banks but in essence chase has now stolen over 300 dollars from me and are holding me responsible for transactions that I did not make. Please help me get my money returned.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalid, inaccurate and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 %. accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code1681i ( 5 ). these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15U.S.C. & 1681 ( 7 ) Method of verification and description of reinvestigation procedure. 

Resolution As a consumer, by law my credit report must made 100 % accurate listed in my dispute letters attached. Thank you.
Product: Vehicle loan or lease

On XX/XX/XXXX I 've purchased XXXX Nissan Altima at XXXX XXXX XXXX in XXXX, NY. We agreed on cash price of {$12000.00} and after my down payment of {$2400.00} I financed remaining balance via Nissan Motor Acceptance Corporation bank for 72 months. At the time of purchase I did not notice that car dealer added Extended warranty/service charge in the amount of {$2100.00} as well as Maintenance fee in the amount of {$890.00}. Later on I have reviewed Nissan retail installment contract, because I was planning to refinance this loan, since I had better interest rate offered to me through XXXX XXXX XXXX XXXX, and noticed above mentioned charges. I 've called a dealer and was told that I can cancel it and get refund check, but I 'll have to come in with vehicle ( 1 hour drive ) to sign Odometer and Damage disclosure Statement as well as Dealer Cancellation request form which I did on XX/XX/XXXX. After that I have placed numerous phone calls to Nissan bank and the XXXX XXXX and inquired about my refund check. I did not get any phone call back from the dealer at all. Bank 's customer service acted like they trying to help me, and started Special Investigation on this issue, but they could not proceed, because dealership did not return their phone calls too. Until today I have not received refund on services, I never requested. I have refinanced this loan with XXXX XXXX for much better interest rate since, and until today I still wait for refund check or explanation phone call from XXXX XXXX, Finance Manager from XXXX XXXX in XXXX, NY, on where my refund is.
Product: Credit reporting or other personal consumer reports

I am writing to address Experian 's continued failure to correct inaccuracies on my credit report concerning the account name : XXXX and account XXXX. Despite my previous disputes in XX/XX/year> which the results came back as updated and reflected no changes I then disputed again on XX/XX/year> despite my attempt again the results came back as updated but remains unchanged. Experian has persisted in reporting inaccurate and incomplete information on this account their repeated failure to address these inaccuracies is a blatant violation of the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 1 ) ( A ) Experian is required to conduct a reasonable investigation when a consumer disputes information and not to solely rely on the information provided by the creditor. Experian has failed to ensure that the information reported is 100 % accurate, as required under 15 USC 1681e ( b ). Despite receiving my disputes, you have simply updated the account with the same erroneous data without making necessary corrections or provide a detailed response to each dispute, showing whether you truly investigated the disputed information this ongoing inaccuracy has caused me significant emotional distress and financial harm, including credit denials and imposition of higher APRs on credit products. These consequences directly result from Experian 's negligence and refusal to fulfill its legal obligations under the FCRA. Additionally, I am aware of the Consumer Financial Protection Bureau 's lawsuit against Experian for failing to ensure the accuracy of consumer reports and for conducting inadequate investigations. Experian 's behavior in my case appears to align with the pattern of misconduct alleged in that lawsuit, further demonstrating their disregard for consumer rights and the law. I downloaded the before and after results of the reinvestigation of my dispute the results are updated but remain unchanged. This will be my proof to the CFPB and Attorney General that Experian did not do a proper investigation that outlines with the procedures for handling disputes about the accuracy of information in a consumer 's credit file. Delete this tradeline for failing too properly investigate this account, persistently reporting inaccurate and incomplete information on this tradeline and solely relying on the information provided by the creditor which is a violation under the USC 15 1681i. I am committed to resolving this issue amicably and without resorting to legal action. However, if this matter is not rectified promptly, I will have no choice but to pursue legal remedies, which could result in significant costs for your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX Re : Disputing errors on credit report Dear CFPB, I am writing to request a correction of the following information that appears on my Equifax, XXXX, XXXX consumer report. Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I request that you investigate the following items : ACCOUNTS : Dispute 1 : XXXX XXXX  opened on XX/XX/XXXX Dispute 2 : XXXX XXXX opened on XX/XX/XXXX Dispute 3 : XXXX XXXX opened on XX/XX/XXXX Dispute 4 : XXXX XXXX opened on XX/XX/XXXX Dispute 5 : XXXX  XXXX opened on XX/XX/XXXX Dispute 6 : XXXX opened on XX/XX/XXXX Dispute 7 : XXXX/XXXX  opened on XX/XX/XXXX Dispute 8 : XXXX XXXX XXXX XXXX XX/XX/XXXX Dispute 9 : XXXXXXXX XXXX opened on XX/XX/XXXX Dispute 10 : XXXX XXXX XXXX opened on XX/XX/XXXX Dispute 11 : XXXX XXXX XXXX opened on XX/XX/XXXX INQUIRIES : Dispute 12 : XXXX XXXX made on XX/XX/XXXX Dispute 13 : XXXX XXXX made on XX/XX/XXXX Dispute 14 : CXXXX XXXXXXXX made on XX/XX/XXXX and XX/XX/XXXX Dispute 15 : XXXX XXXX made on XX/XX/XXXX and XX/XX/XXXX Dispute 16 : XXXX XXXX made on XX/XX/XXXX Dispute 17 : XXXX XXXX made on XX/XX/XXXX I contacted those credit agencies directly and asked them to remove their credit account and/or inquiry from my credit report. I request that you investigate the following items on my credit report to determine who authorized the item. If you find my allegation to be true once your investigation is complete, please remove these items and send me an updated copy of my credit report at the address listed above. 
If you find the account and/or inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of completing the investigation. 

Thank you for your assistance in this matter, XXXX XXXX
Product: Student loan

I had student loans for grad school and XXXX through XXXX. I have been working as a XXXX XXXX XXXX XXXXXXXX XXXX since XX/XX/XXXX, which is a non-profit legal assistance law firm ( provides legal assistance to low income people in civil matters. ) Believing that I should qualify for 8 years of payments ( approximately XXXX of the required XXXX payments ) under PSLF, I applied for such before the XX/XX/XXXX deadline. I was required to consolidate my XXXX and grad school loans with Mohela to do this. I would never have consolidated these loans, except to get the PSLF ( my XXXX interest rate was very low ). Now, my loans are consolidated with Mohela, and I was approved for PSLF, but it is showing XXXX qualifying payments. Their website shows my PSLF application was processed on XX/XX/XXXX on the " documents received '' screen. My employer and I filled out the document correctly. ( Or if we did not, I never received any notification from Mohela that we did not. ) The only payments that appear to count, per their website, are the 4 since consolidation. It also states that it needs employment certification, but it processed that certification on XX/XX/XXXX. I should have about XXXX qualifying payments. This mistake if it stands will cost me over {$100000.00}. I submitted a question to Mohela and received a response on XX/XX/XXXX that I must call their XXXX. They did not attempt to reach out to me or to fix the problem. The same thing happened to my husband who XXXX XXXX at a XXXX XXXX He will make a similar complaint also.
Product: Checking or savings account

In regard to PNC bank card ending XXXX checking account XXXX ATM deposit error I made an atm cash deposit. I need security footage to be reviewed at XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX l 'm missing {$3600.00} At XXXXXXXX XXXX XXXXXX/XX/year> I was credit PROVISIONAL CREDIT - DISPUTE PENDING on XX/XX/year> 45 days later XX/XX/XXXX XXXX the money was reversed My account is now negative and I had to make a new dispute Case number XXXX Old case number is XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the TransUnion website to start a dispute with some discrepancies on my TransUnion credit report. For TransUnion, I had to make an act first, which seems odd for a personal dispute, logged into TransUnion to start, and then I wasn't able to press any edit buttons or any Dispute item buttons as TransUnion had stated. There are NO options of the such on the TransUnion website, they list a step by step on how to start a dispute and but it doesnt work - the steps just dont exist. I cant email TransUnion and each time I call them, they arent taking calls and the line hangs up. This very frustrating for this is messing my credit score and credit lines up. I dont know what to do. Please help amend this situation. This is a very dangerous game they are playing.