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

This is my fourth attempts to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, delete the noteworthy of any information in my credit record that came about due to an alleged fraud. XXXX XXXX Balance Owed : {$130.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$130.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$3000.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX Balance Owed : {$130.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} ; XXXX XXXX Balance Owed : {$210.00} ; XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX account and credit reporting was removed for authorized user XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has used improper use of my report as well as inaccurate information : 15 U.S. Code 1681i Treatment of inaccurate or unverifiable information : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

15 U.S. Code 1681b - Permissible purposes of consumer reports : 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 instructions of the consumer to whom it relates.

15 U.S. Code 1681- Congressional findings and statement of purpose : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is showing a charge off on my credit file of {$42000.00} and this account does not belong to me. they've went as far as saying they have verified the information ; this information is in result of identity theft from someone stealing my information and law 15 usc 1681b states permissible purpose of consumer reports which they have broken I just want to get these accounts off that do not belong to me which XXXX and Equifax have on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that your company provide me with debt validation and the Health Insurance Portability and Accountability Act  ( 'HIPAA ) authorization. Be advised, this is NOT a request for " verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( " FDCPA '' ). See. Reference Above At this time, I will also inform you that a HIPAA-covered entity or its business associate violated my health information privacy rights and/or committed another violation of the Privacy, Security, or Breach Notification Rules. I do not recall giving permission to release my medical information to a third party. am aware that the HIPAA does allow for 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 HIPAA authorization . COMES NOW, I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay vou. Please provide the following XXXX requesting that the HIPAA-covered entity or its business associate provide debt validation for an account in question. Please provide debt validation in the form of agreement an original bill, and a detailed statement of procedures is required. If any please provide a breakdown of fees, including any collection costs and medical charges, if any Please provide a copy of my signature with the provider of service to release my medical information to you. Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer. if any. Cease any credit bureau reporting until the debt has been validated by me Please provide me with a vented certificate of authority. and proof that your company is licensed to collect debt in my state. Kindly provide me with a license number and registered agent or agent of service Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA, HIPAA.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent Department of Education account on my credit report. I have sent an affidavit with a notorized police report stating the false account. The account was opened somewhere around  2014 and is for an amount totaling around {$15000.00}. I have requested by an affidavit that they provide me with the ORIGINAL contract signed which is stated by federal law through the FCRA Section 609 ( a ) ( 1 ) ( A ). They have still not provided me with it. In Texas every creditor is required to be bonded through the Secretary of State in wh ich the Department of Education is not. Please remove all accounts from my credit report immediately. Thanks.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XXXX  UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Money transfer, virtual currency, or money service

In XX/XX/2023, I was scammed out of {$350.00} from my XXXX account by someone claiming to be a customer service support representative for XXXXXXXX XXXX XXXX XXXX I called a phone number I had gotten through a XXXXXXXX XXXX XXXX on my XXXX as I needed assistance with my advertising and billing account for a website I have online. The person with an XXXX accent who answered my call was going to help me with any issues I was having and proceeded to fabricate a very elaborate and believable story to fool me into authorizing a withdrawal out of my XXXX account with a fictious name of his manager ( XXXX XXXX with XXXX XXXX XXXX ) I was tricked into believing his story as he guided me through a series of steps and commands to put malware on my phone, while constantly telling me that he was going to help me with my issues that I was having. I was guided into my XXXX account and tricked into authorizing a {$350.00} payment which he had taken control over my account and I could see him actually entering the dollar amount on my XXXX account. As I was realizing that I had been compromised, I was pleading with him not to debit the money, but he kept telling me that he needed to debit it, but was going to credit it back into the account. After I finally felt very suspicious and became very uncomfortable with the whole conversation, I was able to avoid another {$350.00} transaction he was trying to debit out of my account a second time, but could not. I hung up the call and immediately closed out my checking account and debit card with TD Bank. I also removed and deleted any of the malware the scammer put on my phone as I was able to uninstall it. I informed the Fraud department at TD Bank and contacted XXXX as well of the scam and they put in claims on more than two occasions, but the claims were denied as the fraud was authorized by me. With phone calls to Both TD Bank and XXXX and speaking to supervisors, I was told that there is nothing that they can do as my claims were denied. I am very disappointed with TD Bank as they could not help me even though I am a long time customer and XXXX is supported by TD Bank, but I could not get my money back even though I did everything by protocol. I had no consumer protection and I am very upset with the whole situation.
Product: Bank account or service

On Tuesday, XXXX XXXX I received a text alert from Bank of America warning me about a low balance. When I checked my account activity from the weekend, I noticed XXXX cash withdrawals made from XXXX ATMs in XXXX. 

The ATMs and amounts withdrawn were : {$44.00} ( includes ATM fee ) from XXXX XXXX XXXX XXXX, XXXX Texas - XXXX {$300.00} ( incldues ATM fee ) from XXXX XXXX XXXX, XXXX, TX - XXXX XXXX XXXX XXXX I tried calling them immediately, but since XX/XX/XXXX was on Monday, I had trouble getting through since their holiday message kept playing ( despite it being Tuesday & business hours ). I signed into my online account and locked my card. 

Finally later in the day I was able to get in touch with them. I let them know I 'd been involved in a car accident on Friday and on Saturday, when the withdrawals were made, I was home all day recovering. Bank of America opened a claim and said they would investigate. I asked them to please check the cameras. 

In the meantime they issued a temporary credit for the amounts withdrawn as well as the ATM fees ( they were made at non-BoA ATMs ). My debit card was still in my possession. 

When asked to answer some questions and submit claim documents online, I provided them with a statement of my whereabouts as well as geolocation proof from XXXX XXXX demonstrating where I was when it happened. 

On Friday, XXXX XXXX I received a response that my claim had been resolved. When I signed on and viewed the letter, I was informed that my claim was being denied. 

I followed up with their claims department and was told my claim was denied based on the following : The person who withdrew the funds knew my pin number. Since there was no pin error, it was n't considered fraud. 
The person who withdrew the funds only did so twice. Since it was only twice, it was not considered aggressive behavior. 
The person who withdrew the funds did not deplete my account to {$0.00}. Since they did n't completely empty my account, it was not considered fraud. 

I was informed the temporary credit would be reversed since they saw no signs of fraud. 

I 've filed police reports for each withdrawal.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, GA XXXX : XXXX Number : XXXX : XXXX XXXX XXXX Customer Service Department XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Re : Revocation of Cease and Desist Order Dear Sir/Madam, I am writing to formally withdraw the cease and desist order previously issued under my name, regarding my alleged account associated with XXXX account number : XXXX or any related matters. 
This decision comes after careful consideration and a satisfactory review of the circumstances surrounding the issues initially cited in my original letter. Today speaking to a representative showed me a lot of incorrect information regarding this account, for example the email was incorrect, the phone number was wrong, and address on this account. I never receiving a copy of the contract, a deficiency notice or a redemption notice. I do not know if this vehicle was repossessed or totaled. I appreciate your cooperation and attentiveness in addressing my concerns. 
Please consider this letter as an official revocation of any restrictions or communication barriers previously requested under the cease and desist order. I authorize you to resume normal processing and communications regarding my account. 
Thank you for your attention to this matter. Should you need any further information to confirm this revocation or to discuss the account, please feel free to contact me at ( XXXX ) XXXX or XXXX. 
Sincerely, XXXX XXXX XXXX
Product: Credit card

There are ( 2 ) separate fraudulent charges on on my credit card that I disputed with Chase Bank for card ending in XXXX XX/XX/XXXX Jaunty {$390.00} XX/XX/XXXX XXXX XXXX  {$590.00} XX/XX/XXXX XXXX  {$390.00} XX/XX/XXXX XXXX  {$390.00} XX/XX/XXXX XXXX  {$390.00} The results came back as " you received benefit from this transaction '' from Chase per the mail paper received on XX/XX/XXXX. 

These charges are fraudulent and chase provided no proof of their claim that I benefited from this transaction. I would like a refund from all totaling {$2100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate address I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inaccurate address : XXXX XXXX XXXX XXXX, CO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, CO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XXXX ] & [ XXXX ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Mortgage

On XX/XX/2020 my loan service transferred from XXXX to Shellpoint. I was in the process of review for a loan modification with XXXX. On XX/XX/2020 I spoke to XXXX XXXX and was told I was put on a forbearance due to COVID and was told I would be covered on the forbearance until XX/XX/2020. On XX/XX/2020 I called to follow up and was told that my single point of contact would return my call. On XXXX XXXX I followed up again and we had a new single point of contact, I sent an email to our new single point of contact confirming that we were protected under the forbearance. On XXXX XXXX I sent another email to my single point of contact. I received an email reply stating that a forbearance would be started. On XXXX XXXX I spoke to XXXX XXXX. XXXX and again asked for the forbearance and was told I would be covered until XX/XX/2020. On XX/XX/2020 I spoke to XXXX XXXX and was told I was not on a forbearance plan. On XX/XX/2020 I called back and spoke to XXXX XXXX who put in for the forbearance and advised that it would be in effect until the end of XXXX XXXX, 2020 I spoke to XXXX XXXX and was told I was not in forbearance and an email was sent to my new single point of contact. On XX/XX/2020 I spoke to XXXX who told me I had 2 spoc and I left a message for XXXX of them. On XX/XX/XXXX, XXXX XXXX advised that the request for forbearance was submitted. On XX/XX/XXXX I spoke to XXXX XXXX. XXXX and I was told I was not on the forbearance and a supervisor would return my call. I asked for the investor guidelines for help during COVID. I was told that someone would call me. No one has called. I am trying to get assistance for my COVID related hardship which is a separate hardship that caused my missed payments in the first place. I can not get any information about what is available to me or why I keep getting kicked out of forbearance. I have attempted to call and I am transferred and hung up on. I feel as though they are hiding information about my loan from me.
Product: Credit reporting or other personal consumer reports

I'm have been denied for every single credit I've applied for, my credit score from XXXX is not right. Every credit union, Bank what ever all say no, I understand that I have no credit but I'm being turned down by every one and it's discouraging I have... well had a job but car broke down applied for loans but was denied due to the number of inquiries but there all for one thing financial help so I didn't lose my job which I did anyway because my credit score and Discrimination. Each time I get denied it says that my credit score played no part in their decision but says my score reflects a number between XXXX to XXXX not saying what's a score they can work with
Product: Checking or savings account

I filed a dispute over three ATM withdraws after my card was stolen. I filed a police report and provided it to the bank. The found that no error had occurred and denied my claim. The reason was I still had the card in my possession, but it wasnt, on their online claim form it asks when you noticed the card was missing, I noticed the next day and put that date down, they used this as the date it was stolen and not when I discovered it was missing. I filed an appeal, and the bank said that the police report I provided didnt change the decision by the bank. These charges were for {$200.00}, {$200.00} and {$830.00}. This money was stolen from me and should have been protected.
Product: Credit card

1 ) I wanted to ensure there was enough available credit on my credit card for an upcoming trip so I called to transfer the balance from my Truist money market account to payoff the balance on my Truist credit card. I was told the funds would be deducted from my money market account today but it would take up to XXXX business days before they were applied to my credit card. Why is this allowed? Truist gets to hold my $ for XXXX days and I don't have access to it? This is unfair to consumers.

2 ) My CD matured on XXXX. I went into a Truist branch to close the CD and put the funds into my XXXX XXXX Account. i was told the CD would be closed on XXXX but the funds would not be in my XXXX XXXX Account until XXXX. I asked why- they said that is how it is done. Again, why is this permitted? It is an internal transfer of collected funds that have been on deposit. This is unfair to consumers. 

3 ) I went into a Truist office and asked to redeem my credit card rewards and have them deposited into my Truist checking account. I was told that this would be done in XXXX days. Why does it take that long to transfer funds internally? Again, Truist is using my money and delaying the availability of it to me with no just cause or reason. This is unfair to consumers.
Product: Credit reporting or other personal consumer reports

I've identified some billing mistakes on my credit report with late payments that dont reflect my typical payment behavior. Kindly update my account accordingly. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX. I told them they have erroneous information on my credit report. I said my balance should be no more than {$150.00} on my XXXX XXXX XXXX account ending in XXXX regarding XXXX XXXX, XXXX. Here is the information I told XXXX XXXX that I gave XXXX XXXX. 
I received a letter from XXXX XXXX about a XXXX XXXX account opened by XXXX XXXX, a XXXX, where he overcharged me for services I did not receive. I talked to XXXX, a Manager, at XXXX XXXX on XX/XX/XXXX that I did not receive the XXXX XXXX  treatment XXXX XXXX is showing on the ledger. In addition, XXXX XXXX said I would be pay for one treatment and get the next one free. I had asked XXXX XXXX for a copy of the billing for each of my six visits and to show what he is billing Medicare. He never sent me the information I requested. I stopped going there because I feel this is fraudulent activity perpetrated against me, a senior. I went over the amount I was disputing with XXXX from XXXX XXXX which is {$1200.00} which leaves me with a balance of approximately {$150.00}. I paid XXXX about {$60.00} on this account this month. XXXX never went over the information in the letter they sent to me prior to sending it. I could have told them at that point what I was still disputing. They should communicate properly with their customers, especially seniors, when they are being taken advantage of. XXXX has all this negative information reflected on my credit reports. I need this resolved right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a certified letter to ask Experian to remove unknown names and addresses from my account. Along with letter I included a copy of my drivers license, social security card also my current utility bill. I also summited the request via web portal on XXXX XXXX. At this point nothing has been removed or updated on my account by this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

A creditor May not payment on a credit card account under any open end consumer report credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

1XXXX XXXX XXXX has violated my privacy according to. 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.