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

I mailed a dispute letter to Transunion back in XX/XX/XXXX, after not hearing from them I contacted them in XX/XX/XXXX to inquire. I was told that my letter was never received and they asked what I was trying to dispute, I told them and they told me I would have to send another letter with a police report or FTC report. Up until this point I never heard of a report having to be made in order to dispute. I called again on another occasion and was told the same thing at this time I disputed another account which eventually came back as verified as accurate. This let me know that no investigation was done or it was not investigated properly because the accounts that was disputed are accounts that I have settled and paid. This is the only bureau that I have this issue with. I even let them know that one of the items that I disputed was already removed from another bureau.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX
Product: Debt collection

This account is listed under XXXX SUPERIOR COURT claims I have a driving ticket debt of {$1400.00}. 
This account is listed under incorrect middle and last name and a address I never lived at. Also states it was a XXXX in 2010. I do not recall owning a XXXX. Please investigate this debt it does not belong to me.
Product: Checking or savings account

I received a " phishing '' email asking me for information on XX/XX/2024. It was a well disguised email and looked very authentic, as if it was sent by my bank - Navy Federal Credit Union. The email indicated that it was an Account Transaction Notification and I should click on a box to view my eMessage. 
I did not see the email until XXXX, XX/XX/XXXX. 
After I clicked on the email I was asked for my security questions and email password. This immediately aroused my suspicion and I called NFCU. The agent said NFCU would never ask for a password and connected me to another party who I believe was described as a XXXX  XXXX. 
The XXXX  XXXX asked me if I had authorized three transfers recently. I said absolutely not. The transactions/amounts were for {$980.00}, $ XXXX {$1300.00}. All made by the same individual and on the same day to be transferred to the same account at XXXX XXXX XXXX  XXXX. 
I have attached copies of the confirmations of the transaction from NFCU. 
The agent then said she would cancel the transfers as there was enough time to do so. 
In addition, to ensure security, she would terminate my checking and savings accounts and re-open them with new account numbers. All this was done as promised.

However, this resulted in several of my Auto Pay payees having my ACH payments declined. This resulted in late fees and associated interest charges.

I had already set up 2 factor authentication and Voice recognition and expected my accounts to be secure. My questions are : 1 ) How was the perpetrator able to process the transfers when I was not involved in the authorization?

2 ) 2 factor authorization is supposed to enhance security. Why did it not work?

3 ) Why did NFCU not recognize three unauthorized transfers for almost identical amounts to the same party on the same day? Why did it not raise a red flag? The monies would have been transferred if I had not called NFCU.

4 ) NFCU has the account name and account number of the fraudulent party. Have they reported them to law enforcement?
Product: Credit card

I filed a claim with Chase XXXX for stolen items and have provided all required documentation. Despite multiple follow-ups and calls, my claim has been unreasonably delayed without a clear resolution timeline. Chase has failed to provide updates, and my repeated requests for escalation to a senior claims XXXX have been ignored. I have made every effort to comply with their process, yet they continue to delay without justification.
Product: Checking or savings account

My first incident with Chase Bank started on XX/XX/2023. I have a new Chase account so this was the first check I deposited into this account. The check I deposited with online banking was in the amount of {$720.00} and the bank placed it on hold. I called customer service and they told me I would have to wait 10 days for the check to clear. First, they said it was because of unusual online activity, even though I verified it was me who did the activity. Then, they said it was because of a {$77.00} overdraft fee, which the check I deposited would have covered. I then called the next day and a rep told me how the process works and that my boss who assigned the check, my boss 's bank, the Chase deposit review team, and I would have to be on a 3-way call to verify the check. That's when I realized I have been lied to. I ended up waiting 10 days and then received my funds. After 10 days, I deposited another check on XX/XX/2023. This check was in the amount of {$1400.00} and was immediately placed on hold when I deposited it with online banking. I called the bank and asked why all of my checks were being placed on hold and every representative was rude on the phone. I got responses like " I would have to wait the 10 days and that it'd nothing you can do about it '', and " It's because the activity in your account is fraud ''. They transferred me to about 6 different representatives. A representative on the phone even became argumentative and said can " Can I ask you a question? '' I answered the one question and he said " I'm not finished with my questions and that he would not help me. '' Long story short another representative called me with my boss and the deposit review team, my boss verified that she issued me the check and the Chase rep said that my check would be taken off of hold within 24 hours. The next day my check was still on hold I called and the rep made my funds available after waiting an hour on the phone, but my card was deactivated so I could not access my funds. The rep said someone deactivated it for fraud. I never deactivated my card and they never asked me if I wanted my card deactivated. There wasn't any activity made after the second deposit because I could not access my funds. I currently have a new card coming in the mail and trying to figure out a way to access my funds. I was told I have to wait for the new card to arrive in the mail.
Product: Credit reporting or other personal consumer reports

1. Experience report under bankruptcy 2XXXX XXXX XXXX report under bankruptcy
Product: Checking or savings account

Many times they said i didnt have money to cover new chargers
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX Date Opened XXXX XXXX, 2014 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

The 3 CRAs have been furnishing and reporting numerous accounts with many inaccuracies that I removed in the past! Now when I go back and look their reporting a Bankruptcy ( which by 15 USC 1681i ( 4 ) and 15 USC 1681 ( i ) 5 ) which Bankruptcy courts DO NOT REPORT SUCH PRIVATE INFORMATION to the CRAs and I am distraught by their actions! Also their reporting accounts that are not reporting 100 % accuracy and I will list the accounts below! 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am following up with a claim that I made previously XX/XX/XXXX. I never heard back from Experian. I am still disputing the XXXX XXXX account. 

I received a letter from XXXX XXXX that the debt has been sold to XXXX XXXX XXXX XXXX phone number XXXX XXXX XXXX XXXX yet Experian is still reporting a past due amount. 

By law this account has to be at XXXX. I am asking that the entire account be deleted. 

I have attached a letter from XXXX XXXX stating that the debt has been sold. 

Experian is still reporting incorrectly. 

I am asking that this debt be removed.
Product: Vehicle loan or lease

Complainant Information : Name : [ XXXX XXXX ] Address : [ XXXX XXXX XXXX ] Phone Number : [ XXXX ] Email : [ XXXX ] Respondent Information : Entity Name : XXXX XXXX  Address : [ XXXX XXXX XXXX, XXXX XXXX, TX XXXX ] Phone Number : [ XXXX. ] Nature of Complaint Summary : On [ XX/XX/XXXX ], I submitted a lawful payment in the form of a security bond/negotiable instrument valued at {$21000.00} to XXXX XXXX to satisfy the remaining balance on my vehicle loan account ( [ Account Number ] ). This payment was tendered in accordance with Uniform Commercial Code ( XXXX ) XXXX and constituted lawful discharge of the debt. I included the appropriate documentation and followed all required procedures, including certified and registered mail, incurring {$90.00} in costs. 
Despite XXXX XXXX XXXX receipt of this lawful payment, they refused to accept it, continued to classify my account as delinquent, and threatened repossession of the vehicle. This refusal constitutes a breach of contract, a violation of UCC provisions, and an attempt to unlawfully convert the property for profit. 
In addition to financial harm, I have experienced severe emotional distress due to XXXX XXXX XXXX misconduct, including anxiety and fear over the potential repossession of my vehicle. 

Violation of Federal and State Law UCC 3-603 : XXXX XXXX  failed to adhere to the requirements of this provision, which governs the refusal of lawful tender. 
Unfair or Deceptive Practices : XXXX XXXX engaged in practices that could be deemed deceptive under the Consumer Financial Protection Act of XXXX. 
Threats of Repossession : These threats, despite lawful payment having been tendered, are abusive and unfair practices. 

Damages I am seeking restitution in the following amounts : Actual Damages : {$21000.00} ( value of bond ). 
{$2700.00} ( balance from the most recent statement ). 
{$100.00} ( registered and certified mail costs ). 
Emotional Distress : {$7500.00} for XXXX, stress, and mental harm caused by the actions of XXXX XXXX 
Punitive Damages : {$47000.00} to deter further misconduct by XXXX XXXX  and address willful disregard of my rights. 
Total Damages Sought : {$78000.00}
Product: Mortgage

My personal home was damaged recently. The loss is covered by insurance. The insurance company has begun to provide funds for the necessary repairs - approximately {$160000.00}. The payments are to be sent to me as joint checks between me and our mortgage company. When I received the first payment from the insurance company, I endorsed the check and sent it to our mortgage company, Sun Trust Mortgage XXXX Inc. ( " STM '' ). They responded with an XXXX XXXX, 2015 letter with the step by step recipe for how to receive funds to pay the contractor for the necessary repairs. That letter has XXXX problems as part of the requirements. First they are requiring that the contractor sign a lien release form that is illegal in Texas as Texas has statutory lien release forms to must be used. Second they are requiring a copy of the contractor 's license. Texas does not have construction licensing. I have written several letters and made numerous calls to STM. They refuse to correct their requirements and to revise the letter. I am being delayed in having the necessary repairs made to my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Last reported XX/XX/2023 {$970.00} Open balance XXXX XXXX XXXX XXXXXXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2023 {$1400.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor This bill has been paid, According to the Credit Reporting Act USC 1618 its reporting incorrect information on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/1922 I received correspondence from XXXX about a credit card that was applied for on XXXX. I immediately called them to inform them that someone had applied for this card in my name and that it was fraud. XXXX informed me that they would be contacting the credit agencies to inform them that the inquire placed on my consumer file is fraud and it needs to be removed. They also stated that they opened a fraud dispute. As of today XXXX XXXX is still reporting this fraudulent inquiries on my consumer credit files. I reach out to them again last week and the agent stated that they needed to open a fraud dispute. I don't understand why they are telling me that they are opening a fraud dispute again if XXXX was suppose to have been opened on XX/XX/XXXX when I called them.
Product: Debt collection

Portfolio Recovery sued me for a debt I do not owe in XXXX County Texas per case number XXXX. They had no verification to support the lawsuit other than a computer printout with my name and an address I have not lived at in many years, an incomplete account number and many pages of generic documents that did not apply to the case at all. Prior to court, I requested a verification of debt and they sent the same printout. They did not verify anything with the original creditor. They voluntarily dropped the suit on XXXX XXXX, 2015 but it remains on my credit report still. This issue has been on my credit report for years and has caused me to incurr high interest rates on many occasions. The least they could have done is to stop reporting a debt that is not valid to credit reporting agencies.
Product: Credit reporting or other personal consumer reports

LVNV Funding placed collection on my credit report, removed it, and then placed it back in without properly notifying me. XXXX and XXXX should have sent me a letter notifying me that this was placed back on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been requesting my free credit report from XXXX, Equifax, and XXXX  since last year i havent been able to receive them or no response!
Product: Debt collection

I have been battling with Flagship for over 2 years regarding this debt. I have spent several hours, money, resources on this, I even started learning about my consumer rights and found out how much this company has violated my consumer rights. Flagship is fraudulently reporting negative information about me and has stopped me from being able to get credit extended. I have filed complaints before and have been closed without being resolved. I sent them a cease and desist ALL COMMUNICATION IN ANY FORM in XX/XX/2021 and to this date they are still reporting negative information which is a form of communication. Please assist me with this to be resolved IMMEDIATELY
Product: Credit reporting or other personal consumer reports

I noticed credit inquiries that I did not recognize. I called each company and asked for it to be removed, or provide me verification of my consent. They have refused to do either.
Product: Debt collection

Dear National Credit Systems , Inc., I am writing in response to your recent communication regarding the account associated with XXXX XXXX. I appreciate your attention to my initial dispute, but I must reiterate and expand upon my concerns regarding the validity of this debt. 

Key Issues : Fraudulent Documentation : The documentation provided by XXXX XXXX XXXXo substantiate the debt includes a lease agreement bearing a computer-generated signature. I did not authorize this signature, nor was I ever a resident at XXXX XXXX. Given that the signature is computer-generated and not manually signed by me, the validity of this agreement is highly questionable and likely fraudulent. 

XXXX  During Alleged Debt Period : As stated in my initial dispute, I was XXXX  during the period when this debt was allegedly incurred. It is impossible for me to have resided at XXXX XXXX during that time, which further invalidates the claim that I owe this debt. 

Failure to Provide Adequate Documentation : The Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) require you to provide adequate and legitimate documentation to substantiate any claims made against me. The documentation provided so far fails to meet this standard. A computer-generated signature does not constitute proof of residency or obligation, particularly in light of the fact that I was XXXX. 

Legal Violations : Your continued reporting of this debt, without proper documentation and in light of the evidence I have provided, constitutes violations of the FCRA and FDCPA, including but not limited to : FCRA Violations : Section 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing information with errors or omissions, leading to inaccurate credit reporting. 
Section 1681s-2 ( b ) : Failing to conduct a reasonable investigation into the disputed information.

FDCPA Violations : Section 1692e : Using false, deceptive, or misleading representations in connection with the collection of a debt.

Section 1692f : Using unfair or unconscionable means to collect or attempt to collect a debt. 
Consultation with Legal Professionals : At this time, I am not formally represented by an attorney. However, I have consulted with XXXX XXXX and XXXX XXXX, XXXX, who have both agreed to pursue litigation on my behalf if necessary. Should I choose to proceed, the cost of litigation will significantly exceed the disputed amount of {$3000.00}, and I will seek damages for the harm caused by your unlawful actions. Additionally, for each violation, I am entitled to {$1000.00} in statutory damages under the FCRA and FDCPA.
Product: Mortgage

The XXXX fire happened on XX/XX/2018. Since that time me and my family have experienced nothing but additional hardship, loss and bureaucracy in trying to recover and repair my home. And since I already filed one complaint against PHH Mortgage and the process of releasing my insurance funds to make repairs I will keep this brief. 

The most recent payments made by the CA Fair Plan are being held, going on over 40 days combined, PHH and the " servicer '' have decided that adding an additional layer of red tape/process would be so incredibly helpful to THEM in repairing my home. They have not lived through the tragedies, but everyone and anyone who could make this more difficult, oppressive and insulting have done so. I can not get the money issued by my insurance company in XXXX. My family 's health and economic stability has been greatly impacted. PHH/XXXX/XXXX  have now added additional injury and insult to an already bad situation. It appears as though it is not important to get my home repaired, it is more important to add layer upon layer upon layer of process. 

We were declared a National Disaster, so I will also send a copy of this complaint to XXXX XXXX 's office in the hope that someone in Washington may care more about people over bureaucracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

i believe the accounts listed are results of wrong doing of your company 's job which caused me Defamation, Negligent Enablement of Identity Fraud, Violations of the Fair Credit Act, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my continued dissatisfaction and concern regarding the handling of my numerous attempt to follow up on the removal of fraudulent items from my credit file. Despite my persistent efforts and the submission of substantial evidence supporting the fraudulent nature of these items, I have yet to receive a satisfactory resolution to this pressing issue. 

As you are well aware, fraudulent items on a credit report can have severe consequences, impacting an individual 's financial stability and credibility. It is imperative that such matters are addressed promptly and with the utmost seriousness. 

This ongoing lack of accountability and transparency has left me feeling helpless and betrayed by your company 's inability to handle this matter effectively. With this, I am asking for your assistance to remove these fraud items in my credit 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 Balance : XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX - CARD SERVICE Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent this documentation to the credit bureau on 3 different occasions totaling about 60 days, and they are still reporting the inaccurate information. Several of the accounts appear twice, and have been paid and closed. They are showing open for collections with balances from Central States.
Product: Checking or savings account

Bank of America said they charged the account {$230.00} in fees because " the ... ACH debit was returned unpaid because your account had insufficient funds. '' The B of A claim ID for the claim I submitted for the wrongfully withdrawn funds and imposed fees is XXXX. B of A will now withdraw the {$230.00} in fees that were temporarily credited back to me, from the account again on XX/XX/2021. 

The problem is I did not authorize the ACH debits on that account and the wrongfully taken funds were therefore returned to the account by B of A ; at least for now. However, B of A insists on charging me fees because I did not have enough money in my account to pay the wrongfully withdrawn money! I should not be forced to pay fees because a third party wrongfully withdrew money from my account without my knowledge or permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE NOTIFIED THE LOCAL AND FEDERAL POLICE AGENCIES I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.