23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On the morning of XX/XX/XXXX I received an urgent call from the Fraud Unit of my Bank alerting me that a suspicious fraudulent wire transfer was being attempted plus several charges coming in from other States that seemed suspicious as well. The fraudulent Citibank Bank Fraud Unit agent said he would walk me through all of these charges and get them canceled. He said it was very important to act right away and I was quite panicked to hear all of this. 
My bank where I have been a client for nearly 50 years is : Citibank in XXXX XXXX XXXX XXXX  www.citibank.com I asked him how do I verify he is from the Fraud Unit - he assured me that this is now the policy for Citimobile users, unless I was unable to go to my local branch but I could not because I am out of town. He gave me his name and number and said I can call my bank to verify him once we get this emergency handled straight away. He was extremely professional and had all the protocols of Citibank down to a " T ''. All the same language and response. I do understand totally that I was blindsided and confused by all of this. I am a highly educated worldly woman and I became a victim of this fraudulent scam. {$1.00}, XXXX was stolen and when I called my bank to clarify all of this I then realized what had happened, I thought honestly that Citibank would refund the fraudulent wire transfer but they refused and were not at all helpful. Actually Citibank 's response is quite callous, telling me to contact the person who stole my money and resolve it on my own. The response to my dispute was received on XX/XX/XXXX and my bank refused to refund the stolen money. I am disputing this response. Is there any hope that I can receive a refund of the fraudulent wire transfer? Thank you for your kind attention and help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has reported information/ obtained information from companies other than myself without my written consent. No consent is identity theft! 
I did not give Equifax my written consent to do so. Equifax is in violation of the USC LAWS listed below.

Equifax, please send me a copy of my letter that I handwritten and gave you my permission.

15 U.S. code 1681b 15 U.S. code 1611 18 U.S. code 1028 ( a ) 7.

18 U.S. code 1028 ( a )
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items on my credit report. 

Experian : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXL Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/scrub>XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX  Date of inquiry : XX/XX/scrub>XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXXXXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XXXX Not my account it was opened fraudulent under my name never received card shouldn't be on my credit report call company to delete it an sent in proof but it'd still on my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax investigation did not remove inaccurate information. The investigation was not resolved within 30 days. The request to this particular debt has continued for years. Equifax refused to properly investigate. After my recent dispute, I believe that I have now become a target of discrimination by Equifax. After my recent dispute, Equifax added 13 alerts to my account. Equifax falsely initiated disputes without my permission. Equifax sent ( 4 ) disputes to the Federal Government that issued several students loans that are currently in good standing. Equifax falsely, stated to the loan servicing company, that I was disputing the debt. This is negligent, and fraudulent. It is my belief that these actions were retaliation for current calls, and complaints with CFPB. Equifax submitted false disputes to XXXX XXXX, A decades old account with XXXX, XXXX XXXX, a second dispute to XXXX XXXXXXXX, and XXXX XXXX. The disputes were discovered by me on XX/XX/2018 via the Equifax web account purchased to protect my credit file. Instead, Equifax has contributed to false reporting. The XXXX account remained on my account for years despite my continued efforts for removal. The product purchased by Equifax was advertised as a free product that has continued to be made available to victims of their breach. They have affected my score more negatively than the initial fraud. It is what I call adding salt to a wound.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX  XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$8000.00} XXXX  XXXX Balance : {$1500.00} XXXX XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act.The list of account below violated my federally protected consumers to privacy and confidentiality 15 USC1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX. account number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number # XXXX XXXX XXXXXXXX XXXX, XXXX. account number # XXXX. 

15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C.1681 section 604 A. states that also as aa consumer reporting agency can not furnish an account without mt written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states that : no consumers reporting agency may make any consumers report containing any of the following items of information any otehr advanced items of information, othre than records of conviction 's of crime of which antedates the report by more than 7 years.

15 U.S.C1681s- ( A ) ( 1 ) A person shall not furnish any information relating to consumers to any consumers reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Mortgage

For the last XXXX yrs. XXXX mortgage company has been servicing my loan collecting payments and has always provided a monthly periodic statement. In XXXX I received a notice from XXXX dated XXXX stating the servicing of your mortgage loan will transfer from XXXX XXXX Bank, XXXX. ( XXXX ) to Carrington Mortgage Services, LLC effective XXXX. Your new servicer will:1 collect and process your payments 2 : Send account statements and Annual tax forms 3 : Notify you of account-related issues and updates. This transfer does n't affect any of the terms of your loan, other than the terms directly related to the servicing of your loan. So on XXXX Carrington started collecting my payments which I send through my banks bill pay processing center. Since then XXXX - XXXX XXXX payments later I have not received a monthly periodic statement of any kind showing Carrington received my payment or how my payment was applied balance Etc. According to ( XX/XX/XXXX TILA servicing Final Rule ). Creditors, assignees, and servicers must provide a periodic statement for each billing cycle containing, among other things, information on payments currently due and previously made, fees imposed, transaction activity, application of past payments, contact information for the servicer and housing counselors, and, where applicable, information regarding delinquencies. These statements must meet the timing, form, and content requirements required provided in the rule. When I called contacted Carrington about my monthly periodic statement inin XXXX they told me since my loan was recently transferred over I should start receiving them shortly. So on XXXX XXXX still have not received monthly periodic statement I called Carrington and spoke with XXXX REP-Supervisor XXXX and asked about my monthly periodic statements. She told me I need to send a request in writing to there research dept. for my back statements and a request in writing to another department to receive monthly periodic statements. I know under The TILA servicing Rules they are required to supply me with this information. But will not.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 XXXX Loan opened at XXXX XXXX financial loan # XXXX This account has resulted in several fraudulent derogatory marks appearing on my consumer FICO credit report. I do not recognize this account appearing on my consumer credit report maintained by you. It was not opened, made, or initiated by me and is the result of identity theft and fraud following my leaked confidential information during the XXXX data breach. I have attached my proof of address, social security card, screenshot showing my information was affected, and a copy of my filed FTC report as proof from the US Federal Trade Commission that all of these consumer credit accounts are the result of identity theft and fraud. 
This XXXX Loan opened by another individual by the name of XXXX XXXX added my name to the loan # XXXX on XXXX XXXX student loan who did so without my knowledge or my permission/ authorization unlawfully. In this matter I ask that my name be detached from this loan and it be removed immediately from my credit report under false statements and inaccurate information that was applied to my credit report without my knowledge, consent. Please remove loan according to the law of unlawful conduct.
Product: Credit reporting or other personal consumer reports

I pulled my credit because I was denied credit due to derogatory item that are not mines two bankruptcies. These accounts are fraudulent and need to be deleted, please removed these unknow accounts from my name XX/XX/XXXX BANKRUPTCY XX/XX/XXXX - {$0.00}XX/XX/XXXX BANKRUPTCY XX/XX/XXXXXXXX - {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 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 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am formally disputing the inaccurate information appearing on my credit report. Under 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This violates my consumer rights to privacy, as they have no lawful basis to report anything associated with my name. 

Additionally, there are unauthorized inquiries on my credit report that I did not initiate, indicating a case of identity theft. Under 18 U.S.C. 8, I do not owe any debt to these entities and demand the immediate removal of the items and inquiries in question to correct my credit report. 

Please address this issue promptly and confirm the removal of the disputed entries
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Debt Validation Request Dear LVNV FUNDING, I am writing in response to your recent communication regarding an alleged debt you claim I owe. Please consider this letter as a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I am disputing this debt and requesting that you provide adequate validation to substantiate your claim.

To properly validate this debt, please provide the following : 1.Verification of the Original Debt The name of the original creditor.

The original account number associated with this debt.

A detailed breakdown of the balance, including principal, interest, fees, and any other charges.

2.Proof of Ownership and Authority Documentation proving you are legally authorized to collect on this debt.

A copy of the assignment contract or agreement between your agency and the original creditor ( or any intermediary ) that transferred ownership rights to you.

3.Verification of My Obligation Any evidence, such as a signed contract or agreement, showing that I am responsible for this debt.

Details of any payments made on this account, including dates and amounts, to validate the current balance you claim is owed.

4.Confirmation of Statutory Compliance Proof that this debt is within the applicable statute of limitations for collection in Maryland.

Pursuant to the FDCPA, all collection activities on this account must cease until you provide the requested validation. Please note that failure to provide sufficient evidence will result in my request for you to remove this alleged debt from my records and discontinue any further collection efforts. 

This letter serves as a formal record of my dispute. I look forward to your response with the requested documentation. Please respond within 30 days of receipt of this letter. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

hi, little over a year a go my ss # was used without my knowledge work with the irs and several creditors to get this matter cleared up.
Product: Bank account or service

on XXXX XXXX, 2015 there was an ACH transaction withdrawal from my account without my permission for {$750.00} to a company bamed XXXX. this ACH transaction caused my business account to go into a negative balance. when I noticed the transaction on XXXX XXXX, 2015 I immediately called my bank and spoke to the claims department. I explain the situation that this was a fraudulent activity that I have no knowledge or no relations to XXXX or the bank that was involved as well named fifth third Bank in Michigan. XXXX XXXX filed the claim XXXX XXXX filed the claims for me and told me I would receive a refund in 12 hours or up to 1 to 2 business days. When I followed up on XXXX XXXX, 2015 with XXXX who holds my business account at approximately XXXX XXXX I was told that my claim was denied because I needed to make a claim within 24 hours of the transaction. before finding out that my claim was denied I have been going back-and-forth with the XXXX the claim department and the claim department from fifth third Bank. From here I was able to claim the company ID and the trace number in regards to this transaction. after finding out that my claim was denied I had spoke to my branch manager at XXXX to have a representative called the claim department in regards to the situation. I was able to retrieve my contract that I had signed with the business account. On Monday, XXXX XXXX, 2015 I have to call the XXXX claim department and they will be contacting fifth third bank with me on the line in regards to this transaction. I have filed a claim two times more after the my claim was denied.
Product: Vehicle loan or lease

I called to ask for my intrest paid last year. They wanted to verify my account I provided all the information except what the final loan amount was when I took out the loan. Since I didn't know the exact amount he said that he wasn't going to give me the information. Then he hung up
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX a " duplicate '' recipient was sent {$2800.00} from my account using XXXX. I say " duplicate '' because a similar recipient was already in my registered XXXX recipients. This fraudulent similar recipient had the same entity name as another but the email identity was changed by 1 letter. I alerted J P Morgan Chase bank XX/XX/XXXX who told me to go to XXXX, XXXX told me to go to Chase. Chase said they would send detailed documents on the transfer but have never done so. I tried to " request " the money back from the fraudulent recipient and now it says " not registered with XXXX. '' Chase absolutely refuses to give me any information or contact the recipient bank to recover my money. I contacted my local congressman and he alerted me that the CFBP is currently suing XXXX Chase and others for this exact scenario. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX ( XXXX  ) and Chase did nothing to verify the account that my money fraudulently went to nor do they even know the identity of the recipient. I know from my own personal experience that my identity is exhaustively verified in all my financial affairs. How is a transaction like this able to occur within a bank of all places. Chase and XXXX have no clue if this recipient is related to terrorism, paying taxes on the money to the IRS among many other important details let alone protecting me from the basic fraud that has occurred to me personally.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly disputed XXXX XXXX credit card because its not mine and they refuse to remove it from my credit file. 

I also repeatedly have disputed XXXX XXXX XXXX AND XXXX XXXX XXXX because they have repeatedly failed to validate the debt and Ive never signed any type of contract with them or any company theyre claiming to represent. I want them off of all of my credit reports and XXXX XXXX XXXX  as well.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
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 {$10000.00}, {$1800.00}, {$750.00}, {$12000.00}, {$3500.00}, {$2400.00}, {$0.00}, {$2500.00}. 
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 ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$750.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 


-- AUTO LOAN OR LEASE XXXX. XXXX XXXX CREDIT with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- XXXX ACCOUNT XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} XXXX -This is not my account.
Product: Credit reporting or other personal consumer reports

TransUnion, There are 3 unauthorized hard credit inquiries on my report due to identity theft- please have these removed at once. 

Attached you will find a written complain, my drivers license, social security card, address, and identity theft report,
Product: Debt collection

I have had an account show up on my credit report from Enhanced Recovery Compan, in the amount of {$1300.00} from Original Creditor XXXX XXXX I have never had an account with XXXX and this debt is not mine. The following is all the information found on my credit report. This same account has shown up on my credit report from another creditor call XXXXXXXX not sure when it was switched to ERC, but I have tried disputing through XXXX XXXX, but it is still on my report. 

Creditor Information ENHANCED RECOVERY COMPAN XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Opened : XXXX XXXX XXXX ( 4 mos ) Account status : Open Type : Collection Account Responsibility : Individual Remarks : Placed for collection Original Creditor Name : XXXX XXXX XXXX Closed : No Info