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

On XX/XX/XXXX my credit karma spend acct was hacked and money was transferred from my acct to another. {$27.00}, {$99.00}, {$190.00}, {$190.00}, {$190.00} was stolen. I contacted credit karma and had to verify my identity and was told someone would contact me about what to do next. No response. I used the chat and called them few days later which eventually led to me regaining access to my acct. was transferred to the higher ups chat was disconnected and I did my own research on what to do. The app would not allow me dispute the charges and said to call. I called went through the verification process to prove my identity and was told the dispute was filed and given a number I didnt receive any calls or messages again. I called a few more days later and was told Id receive a provisional credit in a few days. During that time I received a new debit card and activated it. On XX/XX/XXXX, I attempted to call but was unable to be connected to a live agent and a few hours later the provisional credit was deposited. XX/XX/XXXX, credit karma closed that card and issued a new card without informing me, they apparently changed the spend acct agreement which I was notified of today during a chat when I asked why I was being blocked from transferring my funds. No one is returning any calls or emails and the chat is giving me nothing but pathetic excuses as to why they have made it so difficult to utilize my funds. They arent informing me on anything regarding my claim and are preventing me in every way possible to access my money.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, I request that the following accounts and inquiries be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were opened or made without my consent or authorization. 
Accounts to be Blocked and Deleted : XXXX XXXX XX/XX/XXXX {$4300.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XXXX XX/XX/XXXX {$610.00} XXXX  XXXX XX/XX/XXXX {$220.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$8100.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$53000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$44000.00} XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$7600.00} Inquiries to be Blocked and XXXX : XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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 XXXXXXXX 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 have informed Kohls several times that I had a payment plan for the date of XX/XX/2016 and yet they still report to the credit agencies that this was a late payment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXThis CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 credit card that open XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX with a balance of {$0.00} A car loan account that opened at XXXX XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX with a balance of {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my Identity Theft criminal complaint XXXX as proof of the US Federal Trade Commission that all of the aforementioned consumer credit accounts collections are the result of identity theft fraud
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$380.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1000.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$250.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXXXX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXXXX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX, someone deposited a check into my Bank of America account in the for a large amount which i did'nt have any knowledge of and without letting me know, they shut my account down a reported me to XXXX XXXX. Now i can't even open a bank account for something that wasn't even my fault.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

OPEN ACCOUNT : Account Name : XXXX XXXX XXXX Account Number : XXXX CLOSED ACCOUNT : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Product: Credit card or prepaid card

on XX/XX/2020, I made an payment by phone for {$130.00} to be taken out of checking account. For Capital One Credit Card. Next statement I was shocked, Capital One took out {$4700.00}, on XXXX XXXX that was taken out of the checking account. Started calling Capital One on XXXX to dispute this transaction as unauthorized. XXXX called two times, XX/XX/XXXX called and XX/XX/XXXX called 6 times. XXXX called 2 times. sometimes Capital One rep would hang up on me. On XX/XX/2020 my bank sent a letter demanded Capital One return the funds. I received back an unsigned form letter, that states they will not return the funds. The bank has showed a 2 year track record of making {$130.00} payments. I have asked, then demanded that Capital One provide me and the bank with the audio recorded transaction. Capital One will not provide us that copy. 
On XXXX XXXX Capital One rep, XXXX personal ID # XXXX told me she had authorization to return the funds. When I called back and asked for her, because funds where not returned to the bank, no one could find this person.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows public records that is not mine. I have disputes this many times and asked equifax to remove it and they wont. They said it was verified by courts and I have a letter showing that courts do not verify. Then they said vetoed by XXXX and I have a letter that shows this information is not on my XXXX report. I keep sending my letter by fax and by certified regular mail and equifax either says they didnt get it or that its ineligible. This has been going on for about a year and every time I call they dispute the item again and it comes back verified by XXXX. I call XXXX and they said its not true because any report from XXXX wouldnt have a public record on file.
Product: Money transfer, virtual currency, or money service

Hello, My name is XXXX XXXX XXXX. I worked my whole life, plus took care of a sick mother and husband. I retired with over XXXX XXXX of dollars. I will admit I didn't know what to do with all this money. I never had any real money. Now I went to people 's United Bank which is M & T Bank now. I was dealing with a XXXX XXXX out of XXXX. 
I first went to people 's Bank on XXXX XXXX in XXXX, Ct. Like a fool I believed this lady who was later let go and told me I had so much money in a saving. Not true it went into a an account annuity? Which I fought and finally XXXX got my money back. Now this is the problem. I received a statement in XXXX showing I had a value of XXXX, I would like to send you a copy. I called the bank and they said I had no money. I said o.k. then send me back that statement showing XXXX in my account. They had my account no. Instead I got a letter from XXXX XXXX saying I had no money and he couldn't reverse that statement. I feel it's my money and they invested it?? Who can help Me? I'm at ( XXXX ) XXXX or XXXX XXXX. This bank gave me trouble from the very beginning so I don't trust anything they say.
Product: Mortgage

Our loan was bought by Fay Services. The loan originated in XXXX with XXXX. My husband and I have always paid our mortgage payments on time each month which i pay online. This month I noticed when I went to pay that my mortgage amount had increased by {$100.00}. I also noticed that there was a {$99.00} escrow fee added. I called Fay Servicing directly to ask why because we pay our own insurance and land taxes each year. They said we didn't pay our XXXX land taxes until XXXX of XXXX, which was 60 days late so they were adding tax escrow to our account to be added to our monthly payment. I argued with them, but they couldn't change it. Then I was told our loan matures XX/XX/XXXX and we had to pay off our loan with them at that time. I was absolutely shocked by this. They said they sent a letter. Also, they have removed the option on website for XXXX to make a payment. Pay off on my home is around {$40000.00}. Our home was valued at time of loan according to Fay Services at {$170000.00}. I had to apply for some type of mortgage assistance. I know {$40000.00} does sound like a lot, but my husband and I are XXXX XXXX XXXX and I really don't think our house would pass inspection for a new loan and our age would hinder XXXX What can I do?
Product: Credit card or prepaid card

Credit Karma is a very deceptive organization. They say that we are pre-approved and then deny us for all cards they say we are pre-approved for. I have over 200 inquiries on my credit report. This is going back from 2018 to present. I am homeless now and can not even get a place to live due to this and the low score.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXXDebt Final Rule XXXX002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX balance {$650.00}, XXXX balance {$15.00}, XXXX XXXX balance {$640.00}, XXXX balance {$910.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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: Student loan

I graduated from my  XXXX  program back in XX/XX/XXXX and was preparing to pay back my loans via XXXX. All of my loans transferred over to Mohela as I applied for the PSLF program. Prior to XX/XX/XXXX, my loans still had not transferred. On this date, I got an email from Mohela, which also showed up on my Mohela account, that my repayment of {$210.00} is due on XX/XX/XXXX. They provided a 3 day notice for my first payment toward my loans. Furthermore, my application for the SAVE program was not looked at, I applied for this back in XXXX. So now, my loans were under 4 different repayment programs, as per the Mohela rep I spoke with on XX/XX/XXXX. I then had to reapply for the SAVE repayment program, despite already applying in XXXX, and somehow that application was not processed. 
It appears that loan servicers are required by law to provide at least 21 day notice for loan repayment. I received only 3 days. I did make the payment on XX/XX/XXXX, which was on time, though when I spoke to a rep on XX/XX/XXXX, she stated my account was in delinquent status because my payment was not yet processed, despite me having confirmation via email and on my Mohela account that I made the payment by the due date. 

See attached documents for proof of receipt, billing date was XX/XX/XXXX, and due date XX/XX/XXXX.
Product: Credit card

All of my credit card balances are always paid in full, prior to the due date on my Chase Freedom card. The most recent statement period is from XX/XX/XXXX, XXXX XX/XX/XXXX. This period in question is then due XX/XX/XXXX. Please note I did pay the incorrect amount due already on XX/XX/XXXX to avoid fees. 
Chase is stating that my balance is XXXX However, I received a credit from Amazon for XXXX, which should have been deducted from this amount making the total due XXXX. The only purchases during this period were : XXXX, XXXX XXXX XXXX and the credit from Amazon for XXXX. It seems that given the balance they stated I owe of XXXX they did give me the credit of XXXX, but also included incorrectly added a second charge for XXXX which occurred on XXXX XXXX ( outside of the statement period ) in my balance. This second XXXX charge should be due on XX/XX/XXXX. When I messaged Chase several times on their secure messaging system, they responded with two explanations both of which did not address my concerns or how to escalate the issue.
Product: Debt collection

Dear Sir or Madam : I am a victim of identity theft. I learned my personal information was used to open an account at your company in XX/XX/2021. I have on numerous time disputed this infornation with the credit bureaus and time and time again you verify that this account is mine. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that POSSIBLE FINANCIAL INC absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. Enclosed is a copy of my Identity Theft Report supporting my position, and you are showing on my credit report this fraudulent item related to your company that are the result of identity theft. Also enclosed is a copy of the CFPBs Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. Section 615 ( g ) ( 2 ) of the FCRA requires debt collectors to provide identity theft victims with documentation about an account if the victim asks for it. Please provide me with the following documents related to this account : 1. Application records or screen prints of Internet/phone applications 2. Statements or invoices 3. Payment/charge slips 4. Investigators summary 5. Delivery addresses 6. All records of phone numbers used to activate or access the account 7. Signatures on applications and accounts 8. Any other documents or records associated with the account Please send me a letter detailing the actions you have taken to : 1. notify the original creditor that the debt is the result of identity theft ; 2. stop collection proceedings against me ; 3. cease reporting this information to the credit reporting agencies ; 4. provide me with the information I am requesting ; and 5. take all actions required of you as a furnisher of information to credit reporting agencies. Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. Thank you for your cooperation. Enclosures : Identity Theft Report CFPBs Notice to Furnishers of Information
Product: Credit card or prepaid card

There was a false charge for {$100.00} on my American Express card from XXXX. I disputed the charge and the dispute was resolved in my favor ( see attachment 1 ). XXXX responded by simply re-charging the amount to my credit card, which is against the terms of their merchant agreement with American Express. I put this new amount into dispute. American Express responded by conducting a XXXX mouse fake enquiry, contrary to the requirements of the Fair Credit Billing Act 1974 and recharging my card the {$100.00} it had already found in my favor. This is wrong on a whole host of levels ... and exposes the American Express disputes investigation process for what it truly is - a great sham. 

1. How can Amex resolve this second charge against me when they have already found this exact charge for me in an earlier dispute?

2. The Fair Credit Billing Act requires Amex to " conduct an investigation yourself and that you set forth the reasons why you believe my account was correctly shown ''. The Act also states : " In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed or otherwise sent to the obligor and provides the obligor with a statement of such determination. 
3. Amex did NOT conduct a legitimate enquiry- they simply sent a computer generated, unsigned " receipt '' which provides no details of what the charge was supposedly for. Amex also did NOT satisfy itself that the goods or services were actually provided, contary to the requirements of the Act 4. In my dispute letter ( attached ) I pointed out these requirements. They were ignored, even though I had spelled out their responsibility in my dispute letter to them.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to conduct a reasonable investigation into inaccurate items on my credit report, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2024, I mailed a dispute letter to TransUnion via XXXX certified mail ( tracking # XXXX ) requesting an investigation into inaccurate items on my credit report. In addition to disputing these items, I also disputed incorrect personal information listed on my credit report. 

To ensure that TransUnion could verify my identity and address, I included a copy of my photo ID, social security card, and a recent bill with my current address. 

However, on XX/XX/2024, I received a response from TransUnion stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 

According to the FCRA, TransUnion is required to conduct a reasonable reinvestigation when the completeness or accuracy of any item of information in a consumer 's file is disputed by the consumer. It appears that TransUnion has failed to meet this legal obligation by not properly processing my dispute and not conducting a reasonable investigation into the inaccurate information on my report. 

I am attaching a copy of my dispute letter sent to TransUnion, along with their response, as proof of their failure to act.