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

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and multiple loan and credit card applications were filled out, these companies then ran a credit check witch went agianst me as inquiries on my credit report and I would like them removed. The companies are XXXX  XXXX banking from XX/XX/2022 - DT credit from XX/XX/2022 - XXXX  XXXX from XX/XX/2022. I contacted the companies and they confirmed the inquiries and informed me I had to file a report with the FTC as I am doing now.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit report, as I am a victim of identity theft. Pursuant to the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have any entries associated with identity theft removed from my credit file. 
The following fraudulent account and inquiries are to be deleted from my credit report : Fraudulent Account : XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/year> o Balance : {$660.00} Fraudulent Inquiries : XXXX BANK Inquiry Date : XX/XX/year> BANK XXXX XXXX XXXX Date : XX/XX/year>
Product: Debt collection

There is a credit card and loan that is reported on my credit report as closed and charged off, After making deposits into my account with Navy federal they have illegally withdrew {$2300.00} from my checking and savings account, Without prior knowledge! I am a single mother and XXXX XXXX student. I 'm not receiving much income and now will be put out of my home due to this negligence. No one informed me of these illegal practices!
Product: Debt collection

I had an account with Synchrony bank, i paid for their debt protection plan on the account. I lost my job in early 2019, used the debt protection and the account was paid in full and closed. I recently got a summons that Synchrony bank is now attempting to sue me for the same debt that has already been paid off! None of my other synchrony accounts have ever been late/in collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was checked last month by XXXX XXXX. They denied me. I did not understand they gave me a copy. it was the worst!! it had the name XXXX XXXX, than I new someone was using my identity Because the name, there were several different addresses, and many inquiries, I would not even think of applying to. My legal name is XXXX XXXX XXXX XXXX, This is the name I use. There were three collection accounts that were not mine. One for {$310.00} for cash checking, other {$1000.00} for XXXX third account just recently appeared from a Nelson cruz for {$130.00}, One negative account from XXXX XXXX, account # XXXX. I was so upset I filed a police report. Nelson cruz is not on police report, it popped up after. i didn't know I could put the inquiries and addresses on pd report. I also disputed them. I cleaned up my credit report somewhat, However Nelson cruz is still on my report, So is the one XXXX This information is from XXXX and XXXX Only god knows what is on the XXXX 
As for my only 2 closed credit cards accounts, XXXX XXXXr and XXXX XXXX I am responsible for these I became XXXX and could no longer pay. I tried to get the credit protection plan for XXXX I submitted the forms for dr. to sign. She never did instead I find out they were misplaced. time passed I forgot about themXXXX XXXX XXXX XXXX. So my account was closed. I reached out to XXXX, I submitted dr forms. I also requested to reopen my credit card account So I Am waiting to see what happens. With my first digital My payments on account are current, I paid past due and monthly payment. I also requested to reopen my credit card account
Product: Credit card

In XXXX XXXX I used a Promotional Offer Access Check from my Bank of America Credit Card account ending in XXXX. The amount of the check was {$4200.00} and the only fee for the transaction was a XXXX % transaction fee which {$4200.00} x XXXX % = {$170.00}. The {$170.00} transaction fee reflected correctly on the statement as did the {$4200.00} check amount, however on page XXXX of my XXXX XXXX credit card statement, the total amount I was charged was {$4500.00}, {$100.00} MORE than the XXXX % transaction fee. The transaction also had a promotional APR of 0 % until XXXX XXXX which has not been reached yet, so no other fees should have been tacked onto this charge, yet alone the first month the charge went through. I called Bank of America today since I just noticed this discrepancy today after viewing my statements. The first customer service representative I spoke to looked at the XXXX XXXX, XXXX statement, thought it was odd, said she would put me on hold and talk to her supervisor, and I was simply transferred to another customer service representative who I had to retell my issue to. He was not helpful, could n't explain the charge, and then made up some crazy story that I have a revolving minimum APR charge of {$62.00} per month ( which I do n't have on this account.. and never have- I 've had this credit card since XXXX -- I would have long ago cancelled this card if such a charge existed ). Even the numbers he came up with did n't add up to the excess of {$100.00} charged to me on my statement. I keep getting the run around when I call Bank of America and I feel like I 've been a victim of credit card fraud. If they 've done this to me, they may have done this to others and it is not right. I would like this matter properly investigated as it is n't fair for me to have to pay an unauthorized fee that should n't be there, and its not a small amount either ( {$100.00} in excess ). So when you add up the total fees charged, I was actually charged a total transaction fee of {$270.00} which is {$100.00} MORE than the listed {$170.00} fee.
Product: Checking or savings account

Wells Fargo decided to close my accounts for unspecified " security risks '' and then proceeded to remove my direct deposit which caused overdraft fees. They also reversed a deposit for a debit card dispute that had already been investigated and closed in my favor causing another overdraft fee. On top of that they're continuing to allow payments to come out of a CLOSED account so they can rack up even more overdraft fees on a CLOSED account. They're now calling me several times a day to collect money I'm not giving them. This is ridiculous.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, Option One Mortgage Corporation, a California Corporation said they gave me a loan and were the lender on that closing day 's Mortgage, but were neither registered with the California XXXX XXXX or with any of the other 2 liscensing California Div. of XXXX XXXX or the XXXX XXXX XXXX XXXX. I do not believe XXXX  was the source of those funds as an investor # XXXX has been claimed by Ocwen Loan Services of Florida. But other Servicing cos. such as Option One Mortgage Servicing, XXXX, XXXX XXXX, Ocwen Loan Servicing and PHH of Ohio are involved. 
Ocwen was named as a debt collector to me as both the Lis pendens filed for a court action in XXXX and in many letters filed back & forth to my home as a debt collector. Ocwen and all the other named companies never answered any questions about the right or authority to make any offers or modifications to any loan or for the rights to be XXXX or require pymts. to the m from me for a mortgage that did not have their name on it or any pother company on it than XXXX. 
So, I want to see the source of the funds on the wire transfer sheet for that day, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again to investigate accounts which does not belong to me.If you do not have any proofs you have to remove as soon as possible. If you are not going to take actions I will sue you.
Product: Credit reporting, credit repair services, or other personal consumer reports

my personal information has been compromised due to XXXX data breach. I notice multiple accounts showing on my credit profile I never opened
Product: Mortgage

I am a current Citimortgage customer. When I inquired to refinance and roll my heloc ( also with Citimortagage ) to lower my monthly interest rate. The loan officer quoted me 3.87 % based on the basic information I gave him over the phone. He then pulled my credit report and I was shocked to hear that my score was XXXX due to XXXX XXXX credit card reporting me with a {$5.00} payment that was 60 days late. I called XXXX because I did applied for the credit card and never activated it and it turned out the charge was fraudulent. I then went back to Citimortgage and their response was that they needed to wait 30 days to repull my credit. I had XXXX send a communication to Citimortgage alerting them that the charge was fraudulent. 
Next Citimortgage had an appraiser value my house in XXXX XXXX California at {$700000.00}. I knew for a fact that XXXX XXXX is known for its superior school system and lack of housing and huge demand so I submitted an argument to the appraisal with my own comps ( the appraiser 's comp were older than 6 months and she does n't live in the area ) Citimortgage had the house appraised a XXXX time ( by the same appraiser ) who this time increased the value to {$850000.00}. Due to the fact the XXXX appraisals took over 9 weeks the lender told me the followingThe can not repull my credit even though I experienced fraud and I need to resubmit all the paperwork again because the original paperwork is too old. The lending office continued to bully me and say thinly veiled threats that if I did not agree to their process I would lose out on the 3.8 percent that I have been conditionally approved from since XXXX 2014. 

I am an existing customer with XXXX loan yet the loan office and the underwriter continued to treat me like I was lucky to be their customer and they would not repull my credit, combine the XXXX loans into a new refinanced loan and wanted me to pull all the information a XXXX time due to their incompetent appraiser whom they used XXXX. 

I work for a bank so I know that lenders have the legal responsibility to treat all customers with respect and fair lending practices. I do not believe Citimortgage is doing that to me or man other of their customers. 
I am happy to come forward with data to support my statement of unfair lending practices and poor treatment of customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the listed accounts below has violated my federally protected consumers right to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX Account # XXXX has violated my rights. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account # XXXX has violated my rights. XXXX XXXX Account # XXXX has violated my rights. XXXX XXXX XXXX ( XXXX XXXX ) Account # XXXX has violated my rights. XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX  ) Account # XXXX has violated my rights. XXXX XXXX XXXX ( XXXX XXXX  ) Account # XXXX has violated my rights.XXXX XXXX XXXX ( XXXX  ) Account # XXXX has violated my rights. XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights. XXXX Account # XXXX has violated my rights. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 15 Usc 1681c ( a ) ( 5 ) section states, no consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency it the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I've made payments for this store card consecutively now I go on the app and the cards closed. Whenever I called the rep told me there was 2 payments that were returned. No payments were returned I used bill pay and it reflects my bank statement so I'm not sure what's going on. You application also sucks you can't see transaction history and it takes forever for a payment to post.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Ive accessed my credit reports from all three bureaus and I noticed discrepancies on my report via XXXX XXXXXXXX, Last payment date is reporting different credit amounts, date of last payment also reporting different dates, monthly payment is unavailable with XXXX bureaus and a {$0.00} balance with another bureau, also no. Of monthly terms is reporting inaccurate as well, it also shows different high credit amounts TransUnion reporting XXXX XXXX reporting invalid date, XXXX is reporting XXXX. The no. Of months terms it shows revolving for XXXX bureau such as XXXX, invalid for TransUnion, and monthly for XXXX which is inaccurate information. revolving does not mean monthly so which is the correct information about this account with the credit bureaus which are considered discrepancies and I demand it be removed from my credit reports immediately. Ill add attachments below please take a look youll see my correct address including unit number, and name. There are so many errors many differences reporting to each bureaus According to the FCRA The US code for reporting inaccurate information on credit reports is 15 U.S. Code 1681, which is part of the Fair Credit Reporting Act ( FCRA ). This statute outlines the procedures for disputing inaccurate information on a credit report and the responsibilities of credit reporting agencies to investigate and correct errors. Individuals can dispute information on their credit report if they believe it is inaccurate Which is inaccurate I cant pay the last payment to this company on different dates, it cant be reporting different information to the credit bureaus. This account also attached a pieces of mail in previous complaint with the incorrect address I do have an apartment number on my drivers license, with my bank account, also any form of utility/bill XXXX own.This company is violating my rights they have no right to furnish me nor my information inaccurately. It also states If a consumer notifies a furnisher that specific information is inaccurate, the furnisher can not report that information if it is indeed incorrect. Which means it needs to be removed from all three bureaus.
Product: Credit card

I am writing to formally express my dissatisfaction with the handling of my Return Protection claim associated with my American Express credit card. Despite adhering to the terms and conditions of the program and providing all necessary documentation, my claim has been unfairly denied on two separate occasions. 

The details are as follows : Purchased a handbag from XXXX on XX/XX/year>XXXX  in amount of {$1600.00} and attempted to return the bag at merchant but was unsuccessful because merchant would not accept a return due to final sale. 

I initially submitted claim # XXXX for a XXXX purchase after the merchant refused to accept a return. American Express denied the claim, citing that the item was eligible for exchange. 

After confirming with the merchant that an exchange was not permitted, I attempted to reopen the claim under # XXXX to provide this updated information. However, the claim was again denied, this time because it was categorized as a duplicate claim. American Express refused to allow me to reopen the original claim. 

Based on the Return Protection Terms & Conditions : I have provided all required documentation. 
The purchased item does not fall under the exclusions listed in the policy. 
I believe this repeated denial is inconsistent with the Return Protection Policy and unfairly disregards the information I have provided. I kindly request that you reevaluate my claim and provide the reimbursement I am entitled to under the program. 

The Terms states : If you try to return an eligible item within 90 days from the date of purchase and the merchant wont take it back, American Express may refund the full purchase price, up to {$300.00} per item, excluding shipping and handling charges related to the item purchased, and up to a maximum of {$1000.00} per Card Member account per calendar year based on the date of purchase, not during the year the claim was filed. This would mean I should be eligible for Return Protection if initiated by XX/XX/year>XXXX  which I had done. 

I trust American Express to uphold the standards of service and protection it advertises, and I look forward to your prompt resolution of this matter. 

Thank you for your attention to this issue. I look forward to your reply.
Product: Credit card or prepaid card

ATTENTION TO XXXX  XXXX XXXX XXXX XXXX CREDIT BUREAUS AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company.This account has been reporting to my file since 2015. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2000.00} does not belong to me. This account was fraudulently opened through this company XXXX  XXXX XXXX in XXXX of 2015 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN or Credit Card ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Product: Vehicle loan or lease

I have filed and application with the company chase bank for auto financing and I have provided them with my social security credit card during the application process as required and in return I recieved an adverse action.
Product: Credit reporting

My name is XXXX but my reported names says XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint and Request for Expedited Resolution under Fair Credit Reporting Act Dear CFPB, I hope this message finds you well. I am writing to inform you that I am currently in the process of removing/blocking fraudulent and inaccurate information on my credit report from all three credit bureaus. To formalize this complaint and expedite the resolution process, I am filing an FTC report with you the Consumer Financial Protection Bureau ( CFPB ). 

In accordance with Section 605B of the Fair Credit Reporting Act, I am requesting the prompt removal of the identified fraudulent and inaccurate information within four days. I believe this expedited resolution is warranted to rectify the inaccuracies and uphold the integrity of my credit report. 

Enclosed with this communication, you will find the necessary documentation, including my FTC Identity Theft Report and proof of identity. I kindly request your immediate attention to this matter and appreciate your prompt response. 

Should you require any additional information or documentation, please do not hesitate to contact me. I trust that we can resolve this matter efficiently and ensure the accuracy of my credit report. 

Thank you for your cooperation.
Product: Debt collection

On XXXX XXXX, XXXX I reached out to GLA Collections via a third-party credit monitoring site XXXX XXXX XXXX XXXX, asking them to validate XXXX medical bills that they have on my credit report. One in the amount of {$500.00}, and the second in the amount of {$720.00}. Today is XXXX XXXX, XXXX and I have yet to receive the requested information, nor a letter of any kind or any type of response.
Product: Debt collection

ATTENTION DISPUTE DEPARTMENT PORTFOLIO XXXX PORTFOLIO RECOV ASSOC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PORTFOLIO XXXX PORTFOLIO RECOV ASSOC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1981 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit card or prepaid card

My social security number has been stolen and is circulating on the deep web. I have reached out to American Express and many others about this situation to get the accounts removed from my credit report but nothing has been done. I am a victim of fraud and identity theft and now my credit has been tarnished what once was a XXXX credit score is now in the 400 's because some how my information got out and someone took advantage of it. I am looking to get these accounts removed so I am able to continue with my life and be able to get approved for a car, house, etc. This has almost ruined my life but I hope we can come to a resolution.