23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I am a victim of identity theft. I had this police report before where I left my left open in a public place then I lost my bag with my cards and Ids inside it Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2018 in the amount of {$4600.00}.
Product: Credit card or prepaid card

On XX/XX/18 I called XXXX and opened up a dispute with Citi Card relating to three transactions that appeared on XX/XX/18 - XX/XX/18 ( XXXX statement ). These were : 1 ) XXXXXXXX XXXX XXXXXXXX purchase for {$790.00} on XX/XX/18, which I or my wife did not make or authorize. 2 ) Two XXXX networks payments made on XX/XX/18 for {$61.00}, and {$8.00}, which neither I nor my wife authorized. ( We are not a XXXX  /XXXX   customer. ) I was told they needed 7-10 business days to resolve this. I called on XX/XX/18 and was referred to XXXX on Citi 's Billing Dispute Team ( whose phone number is XXXX ). As when I opened the dispute on XX/XX/XXXX XXXX asked me a number of questions relating to these transactions. I told him I did not authorize these transactions and that I contacted XXXX XXXX and that they told me that they could not track who made the {$790.00} purchase. XXXX told me he would give me a credit for the XXXX XXXX {$790.00} and the XXXX {$61.00}. ( They had credited our Citi card with the {$8.00}, ( XXXX would also sending me two letters that I would have to sign and return. I called today XX/XX/18 and talked to XXXX at the Citi Card Billing dispute and she said that this was opened up as merchandise not received. She opened up a new dispute for these amounts, so we are restarting the process.
Product: Mortgage

On my XX/XX/2018 my partner and I decided to proceed with the Loan assumption to be under my name XXXX XXXX XXXX XXXX, for the house located at XXXX XXXX XXXX XXXX, XXXX XXXX CA, XXXX. Normally the assumption process take 1 to 3 months according to the Mortgage company. on XX/XX/2018 the loan assumption got approved and my partner XXXX XXXX should be removed from the loan # XXXX from Nations Direct Mortgage. I call on XXXX to find out when the new bill under my name of XXXX XXXX XXXX XXXX will arrive, but XXXX XXXX, she told me I had to wait until the mortgage get recorder onto the Credit bureaus report which happen every XX/XX/XXXX of each month, that is mean they will update my information on the XX/XX/XXXX so it will recorder as a new loan owner, but did not happened, I call again to find out on XX/XX/XXXX and again XXXX told me it is missing documents so she can not summited to the credit bureaus and I have to submitted the Home insurance policy again and after she received she told me that I have to wait another month that is mean XXXX no later than XX/XX/XXXX so Direct mortgage can update all my information in their system. I been call several many time and no answer I received anybody avoid my call or does not want to answer why is taking so long to transfer my name to the loan. I am victim of discrimination and power abuse for part of the Nations direct mortgage located XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , IL , XXXX telephone XXXX because even do the Underwriting and the Direct Mortgage approved the loan on XX/XX/2018 I still paying my house and no Manager, no supervisor, no customer services return my call and I don't know what happened until now, why they are delaying to change the loan to my name,
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Complaint Against the Three Major Credit Bureaus for Violating Privacy Rights and Defaming Credibility Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against the three major credit bureausEquifax, XXXX, and XXXX violations of my privacy rights and actions that have defamed my credibility. 
Over the past several months, I have noticed significant inaccuracies in my credit reports issued by these bureaus. Despite multiple attempts to rectify these discrepancies, I have been met with inadequate responses and a lack of effective action. This negligence has not only compromised my financial standing but has also caused undue stress and inconvenience.

The specific violations of my privacy and defamation of my credibility include : 1. Unauthorized Sharing of Personal Information : There have been instances where my personal information was shared without my explicit consent, leading to unauthorized inquiries and potential identity theft.

2. Inaccurate Reporting : The bureaus have reported incorrect information regarding my credit history, including but not limited to incorrect account statuses and payment histories.

3. Failure to Correct Errors : Despite providing documented evidence of the inaccuracies, the credit bureaus have failed to correct my credit reports promptly.

These actions are in direct violation of the Fair Credit Reporting Act ( FCRA ) and have caused significant harm to my personal and financial well-being. I urge the Consumer Financial Protection Bureau to take immediate action against these credit bureaus to enforce compliance with federal laws and protect consumers like myself from further harm.

I am seeking immediate rectification of the inaccuracies in my credit reports, as well as compensation for the damages caused by these violations. Attached are copies of my correspondence with the credit bureaus, along with supporting documentation. 
I appreciate your attention to this serious matter and look forward to a prompt resolution. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX 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

Im accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. XXXX5 U.S.C 1681 section 602 A. States I have the right to privacv. 15 U.S.C 1681 section 604 A section it also states a consumer reporting agency can not furnish a account without my consent. 

Credit inquires Trans union XXXX XXXX  XXXX Bank ) XXXX XXXX XXXXXXXX XXXX Auto ) XXXX XXXX XXXXXXXX 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
Product: Mortgage

I have spoke to XXXX XXXX numerous times regarding forbearance and a partial claim. A partial claim was filed however I have had money in unapplied that was suppose to go towards XX/XX/XXXX payment and I asked her this numerous times. She advised it would stay in unapplied however they used it towards the partial claim and now I dont have my payment for XXXX the partial claim was done wrong and has to be redone but Shellpoint will not redo it. I cant pay this month that money was for this month and I said it to her a multiple of times. I called hud they dont even have the partial claim yet. I should not be responsible for their mistake and punished for being late of not making a payment at all
Product: Credit reporting, credit repair services, or other personal consumer reports

The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$740.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

Describe what happened so we can understand the issue ... 
I am a victim of fraud, I lost my wallet some years ago. I called all XXXX credit bureau and they placed a fraud alert on my credit report. I pulled up my credit report for Equifax to find that I have XXXX inquiries on my report. I called and spoke with XXXX who stated she could not help me so I asked to speak with her supervisor. I spoke with supervisor XXXX Badge # XXXX I explained to her that these inquires are not mine and I need her to open a investigation so that I can dispute the inquiries. The banks are on my credit report XXXX times in some cases you know that is fraud. XXXX ( her name ) representative XXXX told me to get over it and wait until they fall off. I told her that I was going to report her to Consumer Financial Protection Bureau and also sue Equifax because this report is hindering me from getting a home. I also provided her with the police report number that I filed. XXXX would not hang up her phone on the other end I can not dial out on my phone she refuses to hang up her line this is harassment. 
XXXX PLEASE REMOVE ALL INQUIRES THAT DO N'T BELONG TO ME
Product: Checking or savings account

BMO Bank has placed a lock on my checking account since XX/XX/24 for what they stated was caused from a business check that I deposited in my account. I was informed the " investigation '' would take a max of 15 business days. It has been 20 business days since this was initiated and I can not speak to the BMO division who are doing the " investigation '' to get at least a status update.
Product: Debt collection

They call all hours of the day and night all the way from XXXX to XXXX  7 days a week. They call when I'm at work and have told I can not take personal calls while there. Newest calls are everyday from different phone numbers I've had 4 just today, 3 yesterday, 7 on Sunday.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is misreporting on my credit. They have reported a Home Equity Line of Credit as a " charge off. '' This loan was paid off in full. I have supporting documentation that it was paid off. I have worked with XXXX XXXX XXXX  for three years to get this resolved and they refuse to change it. In that time I have paid more in interest on various loans because of this affecting my credit score. My local credit union ( XXXX XXXX XXXX XXXX ) requested a payoff from XXXX XXXX XXXX  on XX/XX/16. XXXX XXXX XXXX  did not respond. A second request was sent on XX/XX/16 so that Utah XXXX XXXX XXXX could pay it off and assume the HELOC. Rather than responding, XXXX XXXX XXXX reported the loan as a " charge off '' on XX/XX/16. After again making contact, XXXX sent XXXX XXXX XXXX a Cashier 's Check ( # XXXX ) in the amount of {$34000.00}. That check was dated XX/XX/16 and cleared XXXX XXXX XXXX on XX/XX/16. I have made phone calls, submitted disputes through annualcreditreport.com, hired a company to assist me in the matter, and still it remains unresolved. XXXX XXXX XXXX  is negligent in their practices and this needs to be resolved immediately. I have spent countless hours attempting to rectify their mistake.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to follow up on my previous requests regarding the deletion of fraudulent items from my credit report. This marks the numerous attempts to address this issue, and I am eager to see a resolution. 

I understand the complexities involved in investigating and rectifying such matters, but it is imperative that these fraudulent items are promptly removed from my credit report. Their presence not only inaccurately reflects my financial history but also poses a significant risk to my financial well-being. 

I kindly request an update on the status of my request and urge you to prioritize the deletion of these fraudulent items. Additionally, if there are any further steps I need to take or any additional information you require from my end, please do not hesitate to inform me. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX CARD XXXX Balance Owed : {$0.00} ; XXXX XX/XX/year> ; XXXX  XX/XX/year> ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXX 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 Balance Owed : {$0.00}.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 U.S. Code 1681 602 ( a ) ( 4 ) states, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 U.S.Code 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( SYNCB/PPC ) , is a financial institution by definition under that title. 15 U.S.Code 1681 604 ( a ) ( 2 ) states, " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( SYNCB/PPC ) XXXX the financial institution, and the Consumer reporting agency XXXX does not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, or SYNCB/PPC , whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 U.S.Code 6802 ( b ) ( c ) states, that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' SYNCB/PPC Never informed me of my right to exercise my nondisclosure option. Not only that 15 U.S.Code 1681c 605 ( a ) ( 5 ) states '' Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) states, " 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. 15 U.S. Code 1681e states, '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX is not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

After the complaint that was send them and the complaint file with CFPB the Credit Agencies. XXXX has now told me as the Beneficiary to all-caps XXXX XXXX XXXX : XXXX XXXX the account is victim of Fraud or Identity Theft.
Product: Checking or savings account

I went to deposit a check from my previous employer and while depositing that check the ATM did not fully complete the transaction due to the check getting stuck in the slot which wasnt my fault. About 3 weeks later I received a notification that my account was on a negative. CHASE took the credit of the funds back without properly investigating the claim and the situation. Chase bank stole XXXX $ from my account and didnt care to further investigate.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficent funds when transactions were authorized. i was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficent balances despite funds being initially available. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 


Account Number # XXXX Company Name # NATIONAL CREDIT SYST
Product: Debt collection

I hope this letter finds you well. I am writing to address the recent late payments on my account with XXXX XXXX XXXX XXXX. I understand the importance of timely payments and take full responsibility for the delay in settling the outstanding balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX this is a paid account and closed with a XXXX  balance. Per FCRA if an account is paid in full current payment history is reported. Ive sent dispute letters to all three credit reporting agencies to remove the payment history that is more than two years old. It is still being reported incorrectly and I haven't received any response.
Product: Checking or savings account

On XX/XX/2020 in the morning, I received an email from Wells Fargo alerting me that my Everyday Checking Account was a - {$47.00}. Early that afternoon, I went to my branch office and made a cash deposit of {$50.00} to clear up the negative balance by depositing {$50.00} in cash. Today I received another notice saying that I had a negative balance of the same {$47.00} even though I clearing up the issue the day before. Now however a {$35.00} overdraft fee was added in a very complicated way. I called the bank at XXXX this morning and spoke to a customer service rep who then explained their very complicated accounting system telling me that no matter if you have funds in your account and a purchase was deducted from your account for this purchase which reduces your available amount, if the merchant submits his payment request 3 days or a week later - if your funds are low at the time of the merchant request for payment, and you don't have enough in your account, you will be charged an overdraft fee ( if the bank decides to pay it ) regardless that the purchase amount was deducted when you made the purchase 3 days or a week ago. I believe that Wells Fargo has been scaling people with low balances. Wells Fargo has really hit me hard with fees since I have been depositing my COVID 19 unemployment checks. I tried to get the bank to waive this recent fee but to no avail. Help
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers excepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence I provided, causing on going harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reported my credit as " fair '' and my Lender pulled back my LOC impacting the cashflow of my company. My Bank ( XXXX ) reports my FICO score as XXXX via XXXX, and that is correct, as I owe {$0.00} -- I pay all credit cards off monthly and am currently in the top 10 % of earners. Experian won't reveal the information that they say I am late in paying ( 2 accounts ) and they won't answer the phone. I sent a note in. But these are urgent issues that if they are going to lower someone's score over XXXX pts, they must ( a ) reveal why, and ( b ) be ready to explain on the phone. Escalating this issue to you to regulate as this destroys small businesses and I've had issues with Experian mis-representing my credit score in the past. Thanks for the help,
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. It saddened me to learn that you somehow verified the disputed item, electing to leave it on my report.

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 
I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 
All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. Therefore, I request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

I've disputed these items several time over and continue to get ignored or passed along. This is becoming very frustrating that the Credit bureaus are just sending me verified general letters with no real investigation, and it is having a tremendous impact on my life I'm trying to resolve this matter with out taking any legal action but if this not resolved I'm left no other choice but pursue that route to get this rectified asap possible. I've repeatedly said this items are incorrect and shown the proof that they are but they some how come back verified and there is no way they are if my most recent credit report says verified and and updated and the still have the same inaccurate information in my file. Please tell me how the following items are accurate. 

I've also reached out to the furnisher myself and they mailed me back a letter stating they didn't know what I was disputing so how is that you verified these items that are still showing inaccurate information. Please see attached letter for my proof