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

XX/XX/2023 was the date I have sent a letter to Experian and was told the closed account from Social Secuirty was verified, by law according to under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they have not sent me any documentation showing this account is mines. I DO NOT CONSENT TO e-Oscar or any means of automated verification. Here is the account that needs to be removed, Social Security Admin- {$13000.00}. XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Please let them know if it is not removed, I will be filing a lawsuit. 
This account is not mines.

They are also breaking many laws such as, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Also accoringing to 619. Obtaining information under false pretenses [ 15 U.S.C. 1681q ] Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, United States Code, imprisoned for not more than 2 years, or both.

8 U.S. Code 1028A - Aggravated identity theft ( a ) Offenses.

( 1 ) In general.

Whoever, during and in relation to anyfelony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Send a personal information update letter to all 3 bureaus on XX/XX/2022. Haven't received nothing back from XXXX and XXXX as of yet. But received a letter back stating that this is not me the letter is attached for prove also send a copy of State ID and Utility bill showing proof of address. They are stalling me out and not trying to update my information even with the State ID and Utility bill showing proof of address.
Product: Money transfer, virtual currency, or money service

I posted my old radio on XXXX XXXX. A buyer reached out and sent the money via XXXX to me of the amount of XXXX. I received an email stating that I was not a business certified user of XXXX and in order to get the funds transferred to my Chase accountXXXX I would have to send an amount of {$300.00} and I would receive {$500.00} after the verification process was complete. I received another email saying that I would need to send a certification processing form fee of {$900.00}. At this point I realize it was fraud. I immediately called my bank to stop the transaction but the bank stated they couldnt do anything and I would have to file a police report. The police report is in process. After researching my options I found out that by law the financial institutions are responsible for reimbursement when fraud is involved. I am ask that Chase follows those guidelines and I can get reimbursed my {$300.00}. Please reach out if additional information is needed. Thank you
Product: Credit card

I opened an account in about XXXX with XXXX with a balance of {$500.00}. I wanted to close this account because the interest rate was extremely high, so I called to let them know to close it. Here it is XXXX, I received a summons for court claiming I owe {$830.00}. I am already overwhelming with bills everywhere. This has been such a hassle. XXXX has sold this debt to Midland credit company. This company is only willing to settle for {$710.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Capital One acct. ending in XXXX has violated my rights during the months of XXXX, XXXX, XXXX and XXXXXXXX XXXX XXXX. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

XX/XX/2022, a payment from Social Security XXXX of {$750.00} and {$87.00} from the state was suppose to be deposited into my chime account. After a day or so, I reached out to Chime. They claim the never received the payment. I contacted Social Security and they provided me with the tracing number. That tracing number showed that the money was put into my Chime account and that Chime was withholding my funds and refusing to release it to me. I reached out several times or so the next 30 days and got absolutely no where. They even sent me an email saying that they could not trace were my money went to. Still to this day, I still have not received my payment.
Product: Checking or savings account

On XX/XX/XXXX, I asked Chase Bank to transfer {$5000.00}. from my Traditional Rollover IRA Account and forward it to my California Income Tax account ( Franchise Tax Board ). 

On XX/XX/XXXX, I received a notice from the FTB that my 2022 tax return was {$5000.00} short and was billed {$5400.00} to cover the shortage, penalty and interest. I called FTB and spoke to an agent who told me that the {$5000.00} from Chase had never been received I called Chase and they told me that had sent the {$5000.00} to FTB on XXXX XXXX XXXX XXXX.

To prevent additional penalties and interest I sent the FTB the requested amount, {$5400.00}.

I need to have the original {$5000.00} from my Chase Account credited to my FTB account and the $ XXXX refunded to me.
Product: Money transfer, virtual currency, or money service

I found direct express page on tablet on XXXX upted from XXXX about will my check come normal regust direct deposit from a check be charged stop card shows card to open log into account card mine but I never askedpaper check sent direct express I stimulus payment declined not ready not approved I receive XXXX so I think someone stopped card switch a check shows calendar call first week then XXXX and I'm not getting 2 stimulus I don't know what to do so trying this
Product: Checking or savings account

I have been locked out of my accounts 3total, checking and 2 savings accounts I was 1st told 24 hrs to unlock it, then told 48 hrs to unlock them. Both deadlines have past and i still don't have access All the bank says is we are waiting for an answer to an email. Can not give a time frame to fix this issue. Have escalated the issue no help at all.

I asked for my account numbers to close and move to a new bank, was told no. 
Asked if i went to a new bank and they called to get account information to transfer money, could that work, was told no.
Product: Checking or savings account

Since XX/XX/2023 the lender has disregarded my request for cancellation of automatic payments {$220.00} and this created a financial hardship.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, 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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Debt collection

XXXX  I was given the attached response from Nelnet , Inc. that stated my student loan account was not discharged and that the digital 1099-C form I submitted to them was fraudulent. However, in the afternoon of XX/XX/, I received an official Copy B of the 1099-C form from Nelnet, Inc. 's business address stating that my student loan account had been officially discharged. Please see the attachments of the envelope and 1099-C form that was sent from Nelnet , Inc .
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pull my credit and i notice and handful of hard credit inquires and fraudulent accounts on my credit report. I reach out to all the creditor listed where the fraud happen and explain that i did not authorized the account. I then reach out to Equifax XXXX  and XXXX  and I as told to get an FTC report. I am asking that these accounts and credit inquires to be remove from my credit report. I have attached the ftc report with my drivers license
Product: Credit reporting, credit repair services, or other personal consumer reports

showing inaccurate items on my credit that are not mine federal law said you have the right to dispute items that are not correct
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. These accounts are also inaccurate. 

acc.name : XXXX acc.nuber : XXXX XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ]
Product: Mortgage

HO with delinq mtges with Fifth Third contacted me asking for help with a loan modification. I gathered all the information and send the RMA and all other required docs to the bank for review. On XXXX XXXX, 2016 the POC person at the bank, XXXX XXXX XXXX requested addtl documentation which I immediately faxed to her. On XXXX XXXX, 2016 XXXX requested P & L statements for the HO 's XXXX. I provided them and faxed them in to her on the same day. The HO got a letter dated XXXX XXXX, 2016 from XXXX XXXX at Fifth Third advised that they had to close her file since she did not meet the terms of her agreement???? What are they talking about? I called the bank and talked to a guy named XXXX who said that XXXX 's notes on the file said that since the P & L statements were not signed and dated they were closing the file! Really??? All she had to do was ask me to get them signed and dated which I have done and returned to them today asking them to re-open and review this file for a loan modification. They obviously are not too interested in helping the homeowner and I do not approve of their tactics. Someone needs to talk to them
Product: Credit card or prepaid card

Hi there, So I have been going back and forth for 2 years now in regards to this issue. This is in regards to the XXXX dollar dispute againstXXXX. When I filed the disute I found out that this paymentI made throughXXXX  went through even thoughI canceled it right away the same day. So I thought my funds weren't taken out of my account since I have canceled it and it says it was canceled on theXXXX. 

I then find out the funds were indeed taken out and so I went ahead and filed a dispute because the merchant wasn't giving the item and my funds were gone. This dispute was not resolved in my favour becauseXXXXsaid they did their job and provided the service by transferring the money. 

My question is if I canceled the payment how on earth did they get my money and send it anyway to the merchant and without my knowledge? .And even so I never got the items from the merchant themselves. 

So i contactedXXXXand they told me that it was a tech error on the application and therefore i dont qualify for a refund which is crazy because I did cancel it and yet they still went behind my back and took out my funds. 

I emailed them as well about this and they said that there was a charge back held from citi bank because I DID CANCEL and the payments were REVERSED FROMXXXXBECAUSE I CANCELED butXXXXstill went ahead and called you guys to get the money. WHICH I HAVE NO IDEA WHY AND HOW. 


I canceled the transaction on XXXX XXXX for this money transfer and it still went though without my knowledge then when I saw in my credit card that I was charged I then reached out to the merchant and told them to please give my money back and if not then send me the items I paid for they never gave me my money and they never gave me my items and kept ignoring me. I took this to my credit card company and they didn't do anything about it I also took this to XXXX XXXX and they didn't do anything about it. It has been hard paying this off and I'm collecting interest and on top of it the pandemic took my job and I Just cant pay this off and I shouldn't be paying this off when I was a victim of fraud. So please I am begging to please help me out here. You guys are my last hope. I went everywhere and no one seemed to help me out.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 


* XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
* XXXX XXXX XXXX : XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
* XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
* XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
* XXXX XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
* XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not authorized and should not be reporting.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian, Equifax, Transunion, XXXX XXXX XXXX, and XXXX XXXX XXXX for their continuous failure to remove fraudulent collections from my credit report, despite multiple disputes and the submission of supporting documentation XXXX and XXXXXXXX XXXX XXXX. 
I am a victim of identity theft and have never authorized or incurred the debt in question. This debt, originally associated with XXXX XXXX XXXX, was acquired by XXXX XXXX XXXX and is now being serviced by XXXX XXXX XXXX. Despite my repeated disputes and requests for validation under the Fair Credit Reporting Act ( FCRA ), these entities have failed to provide adequate proof that the debt belongs to me. Instead, they continue to furnish an account summary to the credit bureaus as supposed " validation, '' which does not meet the legal standard of proof. 
I have provided the credit bureaus and the debt collector with the following supporting documents multiple times : A police report confirming that I am a victim of identity theft. 
A prior complaint filed with the CFPB. 
A request under Section 605B of the FCRA to block this fraudulent information from my credit report.

A history of disputes showing that this collection has been removed from my credit report at least ten times. 
Despite this, the collection continues to be " refurnished '' as new debt, which is a direct violation of the FCRA. Specifically, XXXX XXXX XXXX and XXXX XXXX XXXX have engaged in deceptive practices by operating under different names and repeatedly re-reporting the same fraudulent debt after it has been deleted. This misconduct violates FCRA provisions that prohibit re-reporting previously deleted debts and require accurate reporting of consumer information. 
Additionally, Experian, Transunion and Equifax have failed in its obligation to conduct a reasonable investigation and comply with my request to block the fraudulent account under FCRA Section 605B. Instead, it continues to allow XXXX XXXX XXXX to reinsert the same fraudulent collection, causing ongoing financial harm and credit damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian on XX/XX/2022 about an account from XXXX XXXX reporting an late balance. This is collection/charge off how can there be a late payment? This is a violation! They havent responded back and its been more than 30 days. A credit reporting agency are obligated to respond to my request, how can they just blatantly ignore me while Im trying so hard to fix my credit. Account # XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my XXXX credit report and noticed there was 46 hard inquiries. I did contact XXXX and they advised me to reach out to the creditors for a letter of deletions. None of the inquiries did I authorize. I called several of the creditors and they explained that they get most of the information and authorization off line and my name, social security number and date of birth were used. So they did not grant any deletion letters. I wrote a few creditors and have yet to receive a response. I again contacted XXXX to open and do a through investigation because I believe some of my personal information was compromised. They are still refusing to do so and these 46 inquiries have really impacted my score. After speaking with 3 supervisors XXXX XXXX, XXXX. and XXXX my concerns have yet to be addressed. I feel as a consumer I should not have to go through all these loopholes when there has been so many breaches and so much compromising of personal information. I have add since added a fraud alert to my accounts and I also so monitoring of my accounts. XXXX need to come up with a consumer sufficient process when people have concerns about their report. I am truly dissatisfied with the lack of empathy that XXXX offer to their consumers.
Product: Credit card

On todays date while overseas I went to use my credit card and it was declined. Then company emailed me as security an email asking if it was me who had used the card and made the charge, to which I resoponded yes and they acknowledge my response and thank me. 
Then as an additional precaution I called the card company and talked to lady operator and explained the declined and told her I was overseas and for her to inform the company so I would not have problems charging card while overseas. She acknowledge my request and told me that I needed to call every 30 days if not return stateside for as long as I remained overseas for work. 
She assured me the card was ok to be used. 
I later went an tried using my card again to pay for items I purchased and again it was declined. 
I call again to get an answer and the lady that responded to my call informed that the card had been reported lost. 
I asked her to provide me the name of person that reported lost and she did not. I then asked to speak to her supervisor and explained my problem and she also declined informing me who had reported the card lost. 
I did tell her that this was damaging to my person because i WAS OVERSEAS AND RELYING OF THE USE OF MY CREDIT CARD. 
I did ask her to undo this reporting the card lost and she advised me she could not and that a new card had been issued. I told her that I has spent XXXX in shipping the card from my US address to my address overseas where I am presently working and asked her to ship overseas or refund the monies I has spent on XXXX the card overseas for my use. She said she could not do that and I did explain the horrible damage that the mis reporting by employee of the card company had caused. Not to mention that I am overseas now without a credit card only because the misreporting made by card employee. This is a enormous damage to my well being and person caused by card company employee. 
requested the audios of call I had made and the name of employee that reported the card lost and she did not provide any of it.
Product: Credit card or prepaid card

I received 4 letters of denied credit card applications. I didn't apply for any of these. They all were done on the XXXX and XXXX of XXXX. I am speaking to the lenders and resolving as much as I can. 
XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX. 

I need these online applications traced back to who did this and I want to prosecute them. 

I don't know where to go from here. 
I am XXXX and on a fixed income.
Product: Mortgage

My main mortgage is with XXXX XXXX on a second residence. Took out a {$100000.00} loan years ago ( at that time with XXXX ) who sold the loan to XXXX, who sold the loan to Loancare or Loancare is company collecting for XXXX. Haven't figured this out yet. 
Loancare reported 6 late payments back in XXXX. Looking through my bank statements found that payments were made on time, not only to Loancare, but XXXX also took out the same amount at the same time- so double payment even if the report NO payments!! During Covid got mitigation from Loancare. Resumed payments in XXXX of XXXX, however every payment was reversed back into my bank account. I could not reach anyone at Loancare nor XXXX on the phone. I wrote letters, see attached. Loancare did send me some check totalling {$910.00} ( no letter of explanation attached ) Last I finally talked to someone at Loancare who said I should pay up over {$9000.00} to make the loan current!! This is a total mess and I am afraid that Loancare is trying to take away my property for non-payment, even though I have been paying all along, I filed a complaint with XXXX  but have not heard or learned of any resolution.

Loancare is now sending my application forms for loss mitigation. I have complied with their request and sent them all the documents they required. Loancare keeps saying that I am missing documents and they are now threatening with foreclosure. Short of hiring an attorney, which I can not afford ( I am an XXXX XXXX XXXX retired woman ) I don't know what to do and am at my wits ' end. Please help if you can.
Product: Debt collection

I sent ARS a certified letter for proof of verification and I never received a response
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched onhow to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADECOMMISION or https : XXXX to file a report and Per FCRA section 605b Credit ReportingAgencies are required to remove/block any items listed on an id theft report. Please find theATTACHED documents to assist in the blocking of the erroneous information which is being posted tomy report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$7100.00} CITI XXXX Balance {$10000.00} XXXX XXXX BANK XXXX Balance {$7900.00} XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX  XXXX XXXX Balance {$2700.00}