23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is to follow up regarding the persistent presence of fraudulent items on my credit report despite multiple attempts on my part to rectify this matter. The lack of resolution has had a profound impact on my financial well-being and has caused undue stress. The fraudulent items in question, associated with Credit Bureaus, were first brought to your attention. Regrettably, my attempts to remove these fraudulent items have been unsuccessful despite multiple submissions and communications with your agency. I am formally requesting the following actions be taken with urgency : A thorough and comprehensive reevaluation of the fraudulent items on my credit report to verify their accuracy. The immediate removal of these fraudulent items from my credit report. I sincerely hope it does not come to that, and I trust that your agency will take immediate and decisive action to rectify this issue. I am asking for your assistance to remove these fraudulent items in my credit file : XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$7200.00} XXXX  XXXX Balance : {$10000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$28000.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$4800.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have been denied access to my online mobile banking app. The financial institution has placed a block and wont allow me to log in. They are restricting my access. I need access to do an external bank transfer and get my funds transferred to my other bank. I can not do this without logging in. I have spoke to 3 different people that cant help. They wont give me information, wont lift the block, telling me there are no supervisors available, etc. 
I have a family with XXXX little children. I have close to {$3000.00} in my checking account that they wont give me access to. This is also a new checking account and I have not received my bank debit card yet so I cant use an atm. There are also no Citibank branches where I live here in Texas. This is bank negligence and the institution needs to be held accountable.
Product: Credit reporting or other personal consumer reports

I am disputing the collection account with Columbia Credit Recovery due to violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I request an immediate investigation and correction of the following issues : 1. Lack of Clear Date of Last Activity : Columbia Credit Recovery has not provided a clear date of last activity on the account as required by the FCRA. The account reports without this essential information, which is needed for accurate reporting. 
2. Incomplete Debt Validation : I submitted a formal debt validation request to Columbia Credit Recovery on [ XXXX XXXX ]. They provided a final utility bill, the original lease, state disclosures, and an itemized statement of charges from the original creditor. However, they failed to provide a line-item breakdown, proof of agreement bearing my signature, and complete payment history. This is insufficient documentation under the FDCPA and XXXX XXXX XXXX, XXXX XXXX XXXX. 
3. Failure to Provide Initial Notification : Columbia Credit Recovery has not provided any proof that they notified me of the debt transfer or assignment as required by the FDCPA. I have not received any notice of debt transfer from the original creditor or Columbia Credit Recovery. 
4. Incorrect Balance Reported : The collection account reports an inaccurate balance of {$6700.00} past due as of XX/XX/year>. This balance has not been verified by adequate documentation. I dispute this amount and request proper verification. 
5. Failure to Properly Notify of Debt Assignment : Columbia Credit Recovery did not send notice of the debt assignment within the required timeframe, which violates FDCPA provisions. I request they provide proof of timely notification. 
The improper handling of this account has caused significant harm to my credit score, and I am seeking immediate removal of this account due to these violations. I request the credit bureaus update or remove the account from my credit report based on these issues.
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 items 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 items : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$69.00}, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My wife and I were incarcerated between XX/XX/XXXX and XX/XX/XXXX. During that time someone broke into our locked filing cabinet and took all of our personal information, including social security cards, banking information, debit cards, vehicle titles, etc. They then proceeded to drain our checking account of roughly {$37000.00} within 20 days. A family friend of ours even called M & T Bank XX/XX/XXXX around XXXX p.m. in attempt to stop the fraud from continuing, but M & T Bank told him they couldn't do anything. M & T Bank 's fraud department says they do not consider it fraud because our PIN numbers had to be used on numerous transactions. I informed M & T Bank 's fraud department our locked filing cabinet was broken into and our PIN numbers must've been written down on the banking papers. They told us to submit a Victim 's Report from the state police involved in the case. We submitted the Victim 's Report and M & T Bank re-opened the case for only one day and then re-closed it. I also informed M & T Bank multiple credit cards have been opened in our names also and I've had to put our credit on freeze because of all the information that has been taken from us. After we submitted our fraud claim and went into M & T Bank to explain what happened and close out our savings account and recover whatever funds were left over, M & T Bank said they didn't want to bank with us any longer. They were basically warned and informed fraud was occurring to a faithful client that's been banking with them for years with no problems, did nothing about it, and then waited for the fraud victims to come into their bank just to tell them they aren't welcomed there anymore and they can't do anything about getting back the money that was taken fraudulently.
Product: Checking or savings account

Right now they withdrew XXXX and is missing. It started XX/XX/XXXX I. Wrote a check online for XXXX XXXX XXXX XXXX XXXX They used an international Number and wire transfer. ACH transit number. I reported in XXXX. I now walked in the bank XX/XX/XXXX and they issued a dispute number. That was one issue. I have had problems with closing account. They will not. They are misusing my information. Then before that they were holding funds not delivered checks. They cause them to bounce. They would hold funds for XXXX XXXX They want to change fees on purpose. We work that all out. It was a major headache and now this bank is NOT on the level. Right now I need to recover my XXXX and late fees!
Product: Debt collection

XXXX XXXX, XXXX has contacted me multiple times attempting to collect an alleged debt. I have demanded that XXXX XXXX XXXX provide the complete account number of the alleged debt, the name and address of the alleged creditor, and verification that XXXX XXXX XXXX is authorized to act in loco creditore. XXXX XXXX, XXXX has failed to provide all of the information I requested.
Product: Credit reporting 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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am submitting a complaint in regards to my XXXX  account that is held by XXXX  XXXX. Back in XXXX of XXXX  my account was closed by the creditor due to XXXX taking them over. I never had a physical card with XXXX and no account number. I had to pay this card via XXXX XXXX  website. Well in XXXX when they closed down the website went down as well. I contacted XXXX back then and told them how do I pay my bill? I was told I will receive a statement. I never received any statements from them. Again I called and told them that I still have not received any statements and how do I pay my bill? Again was told not to worry a statment will be sent.I was also told they are not transferring my account to XXXX I would have to re-apply again. Which I did not. I have never encountered a situation where if a company closes I have to re-apply again. Aside from that I again attempted to find out how I pay this bill. Never received a statement no phone calls nothing. Finally last month sometime in XXXX of XXXX  XXXX called me and told me that my bill is past due and late fees were put onto the account. I told the rep that I am not responsible for all these late fee 's. She hung up on me. I reached out again and called them back and explained to a supervisor XXXX my request XXXX what had just happened. The supervisor agreed to remove all the late fee 's and agreed the website was shut down. Now it's on my credit reports which is affecting my credit score. I paid what my true balance was plus a little extra just to clear this account while I was speaking to a supervisor who was actually listening. I again requested to please send me a statment or something to show that the bill is paid in full. I still havent ' received anything. I am upset that I have no records at all of what I paid. I am also upset that this is on my credit reports as negative. It was not my fault that they decided to shut there website and there representatives do not address issues with there former customers. I am requesting this negative remark from XXXX be removed off my credit reports. I pay all my bills on time and my credit is extremely important to me.
Product: Debt collection

On XX/XX/2020, I sent a message to Midland Credit Management via their website requesting validation of the amount of the debt they are collecting on. On XX/XX/2020, I received a XXXX 2 day air package from Midland Credit Management containing a letter requesting payment of a debt they purchased from XXXX XXXX XXXX, but no validation and no change in the amount. On XX/XX/2020, I sent the attached letter to Midland Credit Management via USPS first class mail requesting that they communicate with me via writing only and to provide validation of the debt, as I believe the amount they are seeking is more then the debt owed to the original creditor. 

On XX/XX/2020, they a female relative that I do not live with and told the relative that I listed their number as an alternate contact number that I could be reached at even though I sent a letter requesting written contact only. I never list relative information as an alternate contact number except on medical forms, and I only list my spouse 's information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax credit reporting agencies, 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 an auto loan account opened at XXXX XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, real estate loan account opened at XXXX XXXX XXXX opened on XX/XX/XXXX account number XXXX and XXXX XXXX XXXX opened on XX/XX/XXXX account number XXXX. These hard inquiries XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my credit report and I want them deleted.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I was the victim of fraud. I transferred {$20000.00} from my XXXX XXXX account to an account at Navy Federal Credit Union. 

I recalled the transfer the next day, but Navy Federal refused to reverse it. I filed a complaint with CFPB about this. 

In XXXX, they informed XXXX XXXX that the funds could be returned. I signed a letter of indemnity with XXXX XXXX to receive the funds. 

Yesterday, Navy Federal finally completed the transfer recall. But they only returned {$3500.00}, or about 17 % of the total that was taken from me. The rest is a " fee '' according to the communication from XXXX XXXX. A {$17000.00} fee held by Navy Federal. 

I contacted XXXX XXXX, and they said they've done all they can and had no further explanation from Navy Federal. When I contacted Navy Federal, they said I'm not a customer of theirs, and they could not share information about their other customers ( the person who defrauded me ). 

I want to get the rest of my money back. Thank you.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I filed a complaint with the cfpb # XXXX also uploaded all required documents that supported my request to block information as a result of identity theft. In the response to my complaint mentioned above Equifax stated they are not Reporting XXXX XXXX XXXX XXXX XXXX. However, its still being reported. They also have disabled my ability to reprocess my request through my online portal.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft in the following inquiries. Below is proof That somehow my information was given without my authorization. 

Fraudulent inquiries that appears on my consumer credit report : ALLIANT CREDIT UNION ( Finance ) XX/XX/XXXX, XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX ( Bank ) XX/XX/XXXX, XXXX XXXX  XXXX  ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX ( Bank ) XX/XX/XXXX, XXXX ( Bank ) XX/XX/XXXX, XXXX ( Construction ) XX/XX/XXXX, XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX, XXXX & # XXXX ; XXXX XXXX  XXXX Hotel and travel ) XX/XX/XXXX, XXXX XXXX  XXXX  ( Bank ) XX/XX/XXXX, XXXX ( Finance ) XX/XX/XXXX, XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX ( Bank ) XX/XX/XXXX, XXXX XXXX  ( Bank ) XX/XX/XXXX, XXXX XXXX XXXX  XXXX ( Auto ) XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX, XXXX XXXX  XXXX  ( Bank ) XX/XX/XXXX, XXXX ( Construction ) XX/XX/XXXX, XXXX ( Retailer ) XX/XX/XXXX, XXXX ( Bank ) XX/XX/XXXX, XXXX XXXX ( Bank ) XX/XX/XXXX, XXXX XXXX  XXXX  ( Bank ) XX/XX/XXXX, XXXX XXXX XXXX ( Auto ) XX/XX/XXXX, XXXX XXXX XXXX ( Bank ) XX/XX/XXXX, XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX  XXXX ( Auto ) XX/XX/XXXX, XXXX XXXX ( Hotel and travel ) XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/year> All of the following inquiries are fraudulent needs to be deleted and removed from consumer credit report.
Product: Money transfer, virtual currency, or money service

I purchased a service from a seller via Paypal. Paypal transferred my money and I received nothing in return. I was scammed for almost {$2000.00} & XXXX did absolutely nothing to return my money after being scammed. Paypal also did not assist me and sent a basic copy & paste message just like XXXX. Both companies are ultimately responsible for not providing me with my money that I need back. Just to be XXXX clear I NEVER received anything for that large sum of money. It seems like they refuse to even check the information & proof I have provided. XXXX has also refused to create a new dispute & even completely filed everything incorrectly. The charges were filed for around {$9.00} instead of the XXXX $ needed for a certain charge.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/XXXXXXXX XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 


I would like to request a detailed description of the verification or modification process for each account 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 XXXX XXXX XXXX XXXX I am exercising my rights under the Fair Credit Reporting Act to ensure the maximum possible accuracy of the information on my credit report. As such, I kindly request that you provide me with a thorough explanation of the actions taken regarding the mentioned accounts. 


Please look into this matter provide the requested information at your earliest convenience. 


Awaiting your prompt response.
Product: Payday loan, title loan, personal loan, or advance loan

Omni financial is harassing calling my mother and father. Discussing my personal finances
Product: Credit reporting or other personal consumer reports

I have a bankruptcy that was reported by Lexis Nexis without consent as well as the account not being 100 % accurate. I asked them to verify and validate who provided the information to them. I was told that the courts provided the information to them. I provided documentation verifying that the courts do not report to credit bureaus nor share information. This alone goes against my rights according to the FCRA 15 USC 1681-E ( B ) and should therefore be removed from Lexis Nexis as well as all three credit Bureaus ( XXXX, XXXX, and XXXX ). 

I am sharing with you the documentation provided from the courts stating that they do not report or share information with the credit bureaus as well as documentation I submitted to Lexis Nexis. 

I would like to have this resolved in 15-30 days, updated on my credit report and removed from the reports with Lexis Nexis, XXXX, XXXX, and XXXX.