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

We are unhappy with the timely resolution of XXXX fraudulently altered checks against our checking account by XXXX XXXX. The first check for {$1400.00} was to the MN Department XXXX XXXX ( payee altered ) and the second check was originally for {$88.00} but the payee and dollar amount were altered to {$8800.00}. As a result, we, as an elderly couple are currently out over {$10000.00}. XXXX XXXX  has all the facts and documentation but continues to drag their feet in paying us our money. Details surrounding each check and our interaction with XXXX XXXX  ( XXXX XXXX XXXX ) and the XXXX XXXX Police Department are below. Highlights include : - We notified XXXX XXXX  of each fraudulently altered check with no follow-up by the bank. No funds still have been received to date even though repeatedly the Bank has indicated we should be receiving the funds shortly. 
- XXXX XXXX  has been aware of checks deposited within the XXXX XXXX XXXX XXXX being altered since XXXX of 2023. 
- The XXXX XXXX Police Department has a full-time detective researching these claims so it is obvious all key parties are aware of the fraud being perpetrated against our community. 
- XXXX Bank was the XXXX  XXXX XXXX XXXX of these checks so we are not clear on what is left to research in order to return our funds especially considered all other facts and their admission to us that it is clear these checks have been altered. 

Fines and penalties are mounting from the MN Department XXXX XXXX and the loss of {$10000.00} is putting a strain on our financial situation as we are on a fixed budget. We understand a provisional credit is not required by the regulations, but how can XXXX XXXX  deny our request as an elderly couple for temporary credit of funds based on all the facts of this fraud?
Product: Student loan

A Chase private student loan cosigned for my son was paid in full XXXX of 2014. 
There was a letter from Chase for the XXXX and XXXX payment saying they could not process the payment, because they could not find my bank account number which was recorded improperly. They received payment for these months when I received notification of the problem. As I stated the loan is now closed and paid in full. Chase, however, has my credit report showing me 60 days delinquent with the XXXX and XXXX payment. This has adversely effect my credit and I have not been able to refinance my and another student loan that was cosigned for my son.
Product: Credit reporting

About two years ago I used a XXXX credit card to make a XXXX purchase, then went to XXXX for 3 months. The bill arrived by mail. Of course I was not home to make the payment. I paid it as soon as I arrived home, with two months late fees, so my {$35.00} original bill became {$100.00}. This is the problem : XXXX referred the bill to a credit agency, equifax. 
Both Equifax and XXXX say that despite the circumstances and the bill being paid in full with late fees, nothing can be done to remove it. My {$35.00} bill is now a " Serious delinquency '' on all my credit reports FOR 10 YEARS! If you can not intervene, I would hope you can propose a law or procedure that assures that once a bill is paid, it can not remain on a credit report for more than a year. Thank you, XXXX XXXX Please respond
Product: Credit reporting or other personal consumer reports

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort.

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question.

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX   Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your agency is in violation!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : TransUnion XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRAs permissible purposes requirements.
Product: Mortgage

I 'm on worker 's comp with my job and ask for a loan modification due to my financial hardship and the Navy Federal Credit Union kept on requesting information andI kept on supplying everything they requested. Then they denied me a loan modification because they said they did not get it in time. I 'm only 6 months behind and a want to keep and stay in my home. I 've never been late on my mortgage
Product: Student loan

I have attempted to Receive a forbearance on my loan because I am back in school. I have called Aes Numerous times. Each time I receive different information. I have attempted to work through email but they refuse and will only discuss details over the phone so I do not have anything in writing. I submitted requests through their online form. In the end I had to wait for a forbearance form to be mailed to my house as they would not let me receive it via email, fax, or online form. The letter never arrived so I had to request again, all the while my debt is piling up. After receiving the form, I faxed the signed portion directly to the processing center. A few weeks later I receive a physical letter notifying I have ben denied because I did not fax the entire agreement, the first page that did not require a signature was missing. At this moment I faxed the entire agreement back to aes, called customer service and waited for a response. Was told to wait. Today, XXXX XXXX I had still not heard an answer and the debt was severely damaging my credit so i called aes. Was notified they only received one page of the agreement the second time and that I was no longer eligible for a forbearance because it has been over 120 days. I have receipts of the fax and phone records as well as screenshots of my form submissions. They have been extremely difficult to work with and seem to have done everything possible to deny and progress towards delaying payments. Previously I had been making payments consistently for 3 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to federal law, this debt has never been validated, please remove it from my consumer credit report. The furnishing of this information is false and misleading credit information. I never validated nor authorized this alleged account to be reported on my consumer report. Attached below are supporting documents. A letter was sent to the company requesting the validation of the alleged debt. No action has been taken. I also have attached a confirmation of correspondence arrival via USPS certified mail.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and DELETED on my credit file. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my credit report and I don't believe this is accurate. I would like to get this removed immediately In accordance with Fair Credit Reporting Act XXXX Reference # XXXX Bankruptcy XXXX XXXX XXXX US BKPT CT LA has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Plusfour place a collection on my credit report, affecting my credit, his account does not belong to me, Plusfour is using very aggressive collection tactics calling me. 
this accounts are XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian are violating my rights under the FRCA rights with a charge off. XXXX XXXX XXXX XXXX is reporting a past due on my credit profile.
Product: Checking or savings account

i was scam someone hacked into my online bank, transfer XXXX transactions and open new acconts apply for personal loan and debit charges i didnt do.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inaccurate fraudulent accounts reporting on my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

I am assuming that the bureaus have been busy and haven't had a chance to review my dispute letter yet its been over 60 days I sent in my dispute regarding inaccurate items on my report and I still have not received any response yet. To be exact on XX/XX/2020 I sent in my dispute via certified mail. I feel like my disputes are being ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days I demand these accounts be deleted immediately. I would like to add that my information was impacted by the Equifax data breach. This is possibly an explanation of the inaccurate items on my report please help me solve this issue as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am looking for a refund on a fraudulent credit card payment with Capital One and money for my trouble. Capital One does not seem to want to get back to me regarding the issue. 
What should I do? Please investigate the total amount I paid. I also requested XXXX. for my trouble. 

Also, XXXX won't seem to take something off my credit report.
Product: Checking or savings account

Hello and good afternoon i have a bank account with citizen banks in XXXX ny. I find out that were more than 20 fraudulent transaction i notify the bank ASAP and the bank declined my request in the sum of {$8800.00} the bank doesn't want to be responsible i have contacted the chairman office of citizen name XXXX and he never returned back my call i have exhausted all my options and i need help now i dont want to sue the bank but if i dont have choice i will sue them for taking so long ... ... ......
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX XXXX XXXX Reported on my account as a collection. XXXX XXXX XXXX Usa states per credit report that this account was opened XX/XX/XXXX .XXXX XXXX Bank XXXX added a derogatory mark on my credit report. Per XXXX XXXX, XXXX XXXX and XXXX XXXX. Upon further research, this account was marked as charged off. I have not received any verification from XXXX XXXX XXXX XXXX except a print out of a contract with no physical signature from myself. Anyone can send a contract and print your name and say its a valid contract when in fact it is NOT.There is NO Written form of communication, No Contract, and No signature. According to the FCRA XXXX XXXX XXXX XXXX has violated my rights as a consumer and i'm requesting legal action to remove this account immediately. 

On XX/XX/XXXX Jpmcb Card Reported on my account as a collection. Jpmcb Card states per credit report that this account was opened XX/XX/XXXX .Jpmcb Card added a derogatory mark on my credit report. Per XXXX XXXX XXXX XXXX and XXXX XXXX. Upon further research, this account was marked as charged off. I have not received any verification from Jpmcb Card except a print out of a contract with no physical signature from myself. Anyone can send a contract and print your name and say its a valid contract when in fact it is NOT.There is NO Written form of communication, No Contract, and No signature. According to the FCRA Jpmcb Card has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.
Product: Credit reporting

Equifax removes and reinserts so that WE pay big bucks but it is n't to watch others it is to watch XXXX! XXXX is supposed to be removed from my credit report. Seems only Equifax has problems reading XXXX. I have reported them multiple times to XXXX XXXX, Attorney General 's Office, as well as the XXXX to no relief. 

See letter to REMOVE XXXX from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've never done business with Equiant Financial service I've been disputing this account several times attempting to remove this fradulant item from my experian credit report and they refuse to remove the item. I've repeatedly informed Equiant Financial service and XXXX that I've been a victim of identity theft and I've never done business with them and none of these entities has tooken action to resolve this issue which is affecting my life and my families life. They've broken the law and has caused me to lose opportunities to access funding for my business and credit cards for personal use
Product: Mortgage

Mortgage was opened on XX/XX/2019 not appearing on my credit report correctly. Show 's account is closed, paid on time for 3 months now. The account does not report correctly, payment information is missing and account is reported inccorectly.
Product: Money transfer, virtual currency, or money service

On the XX/XX/XXXX, I made a transaction with a seller without me knowing that he was trying to scam me. I sent him {$210.00} through paypal with their goods and services transaction and he wanted me to confirm the receipt with basically says that I received the item so that I would lose my protection of my money even though I hadn't received the item yet. I immediately felt uneasy about the whole transaction and filed for a dispute. At the time, he did not have any tracking info on but when I filed the dispute, he put old/fake tracking info in to bypass the system into thinking he shipped it. This caused paypal to side with my seller and me not being able to file another dispute after the fact. I have the tracking info and if you look at it, they're old dates and not even being shipped to the address that's listed in our transaction on paypal. 

XXXX XXXX XXXX ( XXXX chat logs ) XXXX XXXX XXXX He is also on a banlist for previous scams hes done. He seems to use one user to lure you into thinking he's legit then using a different one to do the scam. 

Use XXXX on this site (XX/XX/XXXX ) and you'll see that the dates on there are completely off.
Product: Prepaid card

A man called me on the XXXX of XXXX. He said that I was eligible for a {$5000.00} loan. I asked for a {$1500.00} loan instead. He said it was a government loan. He said I would pay {$91.00} every month for 16 months. The interest fee was XXXX percent. 
He sent me an email with the loan documents. His name was XXXX XXXX from XXXX XXXX XXXX XXXX his email was XXXXXXXXXXXX gave me his phone number was XXXX, which was the same number that he was calling from the whole time. He said if I did the loan that day, I would have to pay back the money on XXXX XXXX. He said that I had to call him back at that number in order to pay the loan back. 
He said the loan worked like this : I would put {$150.00} on a ReLoadIt card. Once I put that money on the card, the loan proceeds would come later that day. He said the money would let him verify that I could pay the loan back. The card deposit would do that, he said. 
I put the {$150.00} on the ReLoadIt card on XXXX XXXX. I bought the card at the XXXX XXXX on XXXX XXXX. in XXXX, NC. The man was on the phone while I purchased the card in the store. He said to give him the pack number ( XXXX ). I did. He said it would take 1 hour to process. I kept calling him about every 30 minutes. He said it would come ... just wait and it would arrive. He said wait another hour. 
I went to ReLoadi 's web site XXXX said to make a special account. They said the money had been used, because he had the pack number. ReLoadIt told me as long as you have the pack number and the amount you put on the card, you do n't need anything else to get the money off the card. They said he could take the money if he had the Pack and the amount. So he did and he kept the money. 
He called me again Wednesday XXXX XXXX. He said to put {$110.00} on another ReLoadIt card. I did n't do that, though, because my dad said not to do it. When he kept asking for money, I got smart.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. This is not my debt. Someone else used my identity. XXXX XXXX XXXX {$830.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX - XXXX XXXX   {$500.00}. XXXX XXXX XXXX. XX/XX/XXXX. XXXX medical bill. Va paid it. {$890.00}
Product: Mortgage

All of this started in 2023, when RoundPoint Mortgage bought my loan. Ever since 2023, I have been having the same issue. When is time to submit the insurance renewal from my CONDOMINIUM ( AKA the insurance for the association ), I properly receive a letter, with steps to follow, which I do every time, but it seems that the company they hired to receive the renewals, it is not doing its job, because not only I am harassed with multiple letters AND e-mails, which every time I receive one, I RE SUBMIT the renewal, but now they went an extra step to force place FLOOD insurance for the entire condominium. Not only they can not do that, because is an insurance for the entire building, but it is wrong considering that I submit the renewal multiple times ( aka every time I receive a letter ). It is worth mention that this year, I did call to make sure it was ok, and they still went ahead and charged me almost {$6000.00} This is unacceptable, since it is an error from their side, and a vendor 's issue, not the consumer. 

It is worth to mention, that when I called to address the issue, the representative confirmed to me that I am not the only person having the same issue with insurance renewal confirmation and analysis ( so they know about this issue, but decide not to do anything about it ). I also went ahead and asked what was the best way to submit the renewal, to avoid this in the future ( since it seems I am stuck with them, until, hopefully, my loan is bought by another lender ), and she told me the web-site is the best way. BOY, if that is the best way .... I can not imagine mailing it or faxing it. 

Please help me track this arm robbery as soon as possible. 

Please help! Thank you! : - )
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my records & noticed the fraudulent information and accounts which do not belong to me STILL reposting on my file in Equifax. The other bureaus have already DELETED this fraudulent information so my question is why do you still report these damaging records? I have already disputed these items several times and stated that I am an identity theft victim. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXX, XXXX XXXX  XXXX XXXX