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

XX/XX/XXXX a fraudulent purchase was made using my debt card, when I became aware of the fraudulent transaction, I reported it to my bank. The bank then provided me with provisional credit for the fraud claim. Two weeks later I receive a notice that my claim had been denied. I this be very peculiar, as it has been a practice of US Bank to give me a proof of claim form to validate my claim. I call the fraud department for US Bank and ask that the matter be investigated further because I did get the opportunity to provide proof of claim. The fraud specialist told me that they would have the claim investigator contact me regarding this matter. XX/XX/XXXX I spoke with XXXX XXXX the claims investigator in US Bank 's XXXX  location regarding the claim and was told that she had determined that claim was not valid. Furthermore, that she would not be reopening the claim. XXXX XXXX went on to informally advise me that I have made quite a few claims, which I found to be unprofessional as it is my right to file claims against any services that were not rendered and products I did not personal purchase. I reminded XXXX there are law and rights that protect consumers such as Electronic Fund Transfer Act and Regulation E. The Electronic Fund Transfer Act and Regulation E states that I have XXXX liability for fraudulent purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FDCPA, specifically 15 US Code 1692 ( c ) ; this is my formal declaration to terminate and cease all communication from you in regard to the debt you are attempting to collect.

In response to the Ceasing Communication Notice, in accordance with the Federal Fair Debt Collections Act, you may only contact me to inform me that there will be no further collection efforts or to notify me that a specific action will take place.

Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication, confirming your acknowledgment of this letter, is in violation of the FDCPA.

In addition, any third party that you use to coerce the collection of this debt shall also be in violation of federal law. If you do not cease communication a lawsuit will be commenced against you.
Product: Debt collection

I 'm being charge a amount of {$1900.00} for some storage fees of a vehicle that I sold in 2007. A car that has not been in my possession for over 8 years. 


They claim that I owe the debt because I was the last register owner. I asked them how can that be if I never received any license fees, registration, smog requirements or any paperwork from the DMV stating that I own the vehicle, The Debt collector then stated that I must of never finished register process of the vehicle and that 's why I am responsible. I told them that the truck was under my name and I had it for 3 years and when I sold it I turned in my release of liability paper work to the DMV. There fore I should not be responsible for this debt. 

I did not sign or agree on any agreement for the yard which should make me free of this debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  of Complaint : This XXXX complant as en filed to equest pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX dit reporting actency block information appearing on my consumer credit report that is result of identity theft and fraud within 4 business days of you receiving this complaint. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 

Account Name : 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
Product: Credit reporting or other personal consumer reports

I am writing regarding my complaint XXXX filed against XXXX, Experian, and XXXX. I noticed that the complaint has been marked as closed without a response from the credit bureaus. I am concerned because the issues I raised remain unresolved, and no actions were taken to address my dispute. 

I respectfully request that the complaint be reopened and escalated for further investigation. This matter is critical as it directly impacts my credit report and financial well-being. 

Attached are additional documents to support my case. Please let me know if further information is needed. 

Thank you for your attention to this matter. I look forward to your response.
Product: Checking or savings account

Called Capital One twice to request information about the estimated time frame my direct deposit would be available. No response, no clarifying email, no public information. Nothing. Just left without my paycheck until XXXX knows when and we need groceries, gas and to pay my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I contacted TD Solutions LLC at XXXX XXXX XXXX address being XXXX XXXX XXXX XXXX XXXX, IL XXXX and I spoke with a representative by the name of " XXXX '' I reached out to the agency after viewing an amount owed on my XXXX I contacted the agency to resolve the debt and to setup a payment arrangement. I was not advised that the call was monitored and or recorded by the representative until after she had asked me for numerous pieces of personal information nor was I advised of the Miranda warning. I was only advised " this is an attempt to collect a debt '' I had stated to XXXX that I am currently unemployed and in severe financial hardship and I can only afford {$25.00} a month but that I am willing to pay, the representative then told me that in order to accept that I had to give them {$250.00} as a down payment I told her I was not able to afford that, at that point she said she could n't accept {$25.00} and I would need to pay what she was telling me and I would need to call back when I can afford that. I then asked to be transferred to a manager she said I would have to leave them a voicemail I advised her I wanted to speak with a live manager or a team lead if a manager was unavailable she told me my only option was to leave a voicemail then she continued to speak over me cut me off when I was talking and then hung up on me. I attempted to contact the agency back to speak to a manager but was unable to get ahold of anyone.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Report Act ( FCNA ) 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 systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian had neither corrected or removed disputed items despite evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective actions to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting

XXXX added an extended 7 year fraud alert on my credit file. In their letter, XXXX wrote it would contact TransUnion about the extended fraud alert. I did not receive a notification from TransUnion. Thus, I faxed the letter from XXXX to TransUnion. Again, I received no response on the matter from TransUnion.
Product: Mortgage

XXXX XXXX XXXX  XXXX took advantage of our perfect credit history and sold our loan off within 39 days after closing to what we have experienced to be a fraudulent incompetent servicer called Shellpoint Mortgage which I guess is owned by XXXX XXXX. We have tried to get support many times as they barely answer their phones, they lie about receiving simple documents such as auto pay for our loan, and never response to related fax or emails. This is disturbing as we own many houses and never had issues with normal banks but these two XXXX XXXX operations are trying it seems to force issues for home owners by not communicating now over 90 days to take auto payments perhaps attempting to force great credit worth experienced home buyers to be late so they can collect late fees. Unfortunately thats how this experience had been with XXXX XXXX now the servicer they passed us off too, shell point mortgage. 

Further they send threatening letters claiming our documented home insurance that we needed to close the loan with XXXX XXXX wasnt on File. We repeatedly called and sent emails to the requested communication emails with proof as did our insurance agent. Still no confirmation this was received to rectify their misappropriation of our documents they XXXX mortgage who sold us to this servicer should have organized and not harassed us by mail. They can mail stuff but cant respond when we many times to try to get them documents again to rectify their negligence. 

They werent even taking our information to set up an online account initially when we were transferred to shellpoint until a few days into our first Month under their contract ti service our loan. We couldnt get our new account information. Terrible fraud being perpetuated and negligence. We must investigate the process
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX XXXX XXXX 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 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 am writing to dispute fraudulent and unauthorized information on my credit report under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681b, and to request that this information be blocked and removed immediately. I have attached a copy of my police report/FTC identity
theft report ( FTC REPORT NUMBER : XXXX ) as proof that this information has been reported improperly. 

Legal Basis : Violation of 15 U.S.C. 1681b and 1681c-2 Violation of 15 U.S.C. 1681b Reporting Without My Consent According to the Fair Credit Reporting Act ( FCRA ), the inclusion of information in a credit report requires express written consent. 
I never provided such consent for this account to be reported on my credit history, which constitutes a violation of the FCRA.

Violation of 15 U.S.C. 1681c-2 Fraudulent Information Must Be Blocked This section mandates that any fraudulent information on a credit report must be blocked immediately when the consumer formally notifies the credit bureau .

While this account may have been opened in my name, it was reported without my authorization, making it fraudulent and requiring immediate removal.

Fraudulent Information to Be Blocked The following information on my credit report has been reported improperly and must be blocked and removed immediately : XXXX XXXXXXXX Under 15 U.S.C. 1681c-2, I formally request that this fraudulent information be blocked immediately from my credit report. This information must remain blocked for one year, after which I may request an extension of the block. During this period, this information must not be reported as valid nor allowed to reappear on my credit report. 

Previous Attempts and Lack of Response I have made multiple attempts to contact the credit bureau regarding this fraudulent account, but CREDIT BUREAU has failed to provide a solution to this issue.

This has significantly impacted me, preventing me from acquiring a new home for my family.

This account has been removed and not verified by other credit bureaus, so I do not understand why you continue to claim this account belongs to me.

I have requested copies of the contracts from the company in question, but after more than 60 days, I have received no response. 
For these reasons, I request immediate action to block and remove this information from my credit report.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN
Product: Vehicle loan or lease

I believe my car loan falls under the Wells Fargo settlement. They have continuously denied I even had an account with them. However I have the proof which I have submitted
Product: Credit card or prepaid card

I discovered that in XX/XX/XXXX that someone I was dating was stealing from me. I immediately contacted the police and filed a civil suit simultaneously. As I started to review the drafts on my bank account and credit cards. I had discovered that this individual had been making charges and also fraudulently opened accounts. In the month of XX/XX/XXXX, I also hired my own private investigator and later found out that Navy Federal had allowed this gentleman to obtain checking and savings accounts with me as his sponsor without even notifying me. This individual also has called in checks off of my credit card and actually had an alternate credit card that belonged to me in his possession. When I opened this account for Navy Federal and called to activate the card they told me that I qualified for a different card with better rewards. The agent told me that he would cancel this one and send out the new one. I later find out that Navy Federal did not only did not cancel the card but gave it the same number so when I activated the XXXX XXXX XXXX it activated, the other card that I disposed of was activated as well. I actually have proof from Navy Federal that this individual fraudulently called in a check to pay the bill for another card that he fraudlently opened in my name with XXXX. I have proof of my travel through the month of XX/XX/XXXX through early XX/XX/XXXX that I was in XXXX, IL, but multiple charges were made throughout North Carolina and yet Navy Federal still refuses to reverse the charges. I would like to be given a fax number to send all of these documents at when I try to upload it keeps saying file size to large.
Product: Debt collection

On XX/XX/2021. CMRE FINANCIAL SERVICES added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA CMRE FINANCIAL SERVICE has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account opened in my name on XX/XX/2015. For the company XXXX. I have no recolection of an account, telephones and or authorizing for an account. I had no idea if this account until i became a member of XXXX XXXX. I filed a report with the credit agency XXXX they claim it is mine but i have not one piece of documentation of anything on this account, not an address, account number, or location of the account activation. So it is in collections for the amount of {$1600.00} opened XX/XX/2015, with diversified consultants inc. XXXX XXXX XXXX XXXX , fl XXXX. It is on my XXXX   report also
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint against Equifax because I can not get access to my account. Equifax claims that account access is resolved as per previous response but entering the email address and password does not get access to the account. I also sent Equifax postal information and have not received received any response or apology from the company. The account access was tested on XX/XX/2022.
Product: Checking or savings account

I have been using XXXX  to trade stocks for years now on and off, I recently got back into it transferring funds from my own bank account using my own debit cards with my name, now XXXX has suddenly restricted my account for what they call unusual activity and will not allow me to withdraw my XXXX XXXXXXXX this is all my funds to my name as I was using the round-ups and all with robinhood debit card. So I am currently on the edge of losing everything and I can not get a response from them.
Product: Checking or savings account

XXXX : I opened a Regulation E claim with US Bank regarding a XXXX XXXX transaction the receiver did not receive. 

I waited 10 business days in order to receive written confirmation of my claim. I never received any written communication. 

I also waited for provisional credit since a resolution was not provided within the initial 10 business day period. I never received provisional credit. 

XX/XX/ : I called US bank and was transferred to a total of 4 people before being told that they could not assist me as the money was processed. I expressed again that the recipient did not receive the funds and asked where is the confirmation from XXXX XXXX confirming receipt. I was again told that they could not help me and to call XXXX. I spoke to XXXX at XXXX who confirmed that the claim should be processed by the originating XXXX Partner US Bank, not the receiving partner XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account with the credit bureaus as " not mine '' but it recently came back as verified ... .I never had an account with XXXX   XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX   XXXX and XXXX XXXX They also wont give me evidence or verification as to why they will not remove the account. The error has affected my credit score Please delete immediately before further harm is done
Product: Debt collection

Throughout the past several years I have received several letters stating I owe an unpaid debt for the amount of {$380.00} to XXXX XXXX XXXX  XXXX XXXX XXXX addressed to a person named XXXX XXXX XXXX XXXX. I have a similar name and can only assume that is why I am being sent the letters. Each time I have received the letters I have notified the collection company to inform them that I do not owe the debt as I have never lived at these apartments and that the letter is addressed to an individual with a similar name as mine. Each time I have been asked a few questions as to my identity and have been told the letter is for a different person and the letters temporarily cease. However, eventually I received other letters and would like the company to cease and desist all further attempts to collect this debt from me that someone else owes them.
Product: Credit card or prepaid card

In XX/XX/XXXXXXXX  I found out that 3 different credit cards was opened in my name once I started the process of buying a house. The lender told me to pay those off but once I got the email I saw that I never opened these accounts. The accounts was opened back in XX/XX/XXXXXXXX  and was charged off in XXXX. It was a XXXX XXXX {$1400.00} XXXX  XXXX XXXX  {$4300.00} card and a Target card {$1200.00}. I contacted each company and was told to file a police report and FTC report. I did and submitted them, Now Target is giving me a hard time removing an account thats not mine. Still entire situation is holding me back from buying my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN KEEPS REPORTING UNLAWFUL INACCURATE PERSONAL INFORMATION. I HAVE ASKED SEVERAL OCCASIONS AND EXPERIAN REFUSES TO REMOVE  THIS INACCURATE ADDRESS. I HAVE ASKED IN SEVERAL DOCUMENTED LETTERS AND ONLINE DISPUTES TO REMOVE THE ADDRESS OF XXXX XXXX XXXX, SC XXXX, AS IT DOES NOT BELONG TO ME. IT IS FRAUDULENT. MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX. AS TO BY LAW YOU DONT HAVE TO PROVIDE PERSONAL INFORMATION ON YOUR CREDIT PROFILE BC IT IS A VIOLATION OF CONSUMER RIGHTS.  I HAVE SENT PROOF AND EXPERIAN WILL NOT DO THEIR JOB AND REMOVE THIS ACCOUNT WHICH IS VIOLATION 42 USC SECTION 408 AND 18 USC 1028 A - AGGRAVATED IDENTITY THEFT.
Product: Checking or savings account

I had a checking account with Bank of America. It was a fairly new account. On XX/XX/2019 my account was closed for no reason. Turns out they can close it at anytime without reason or notice. Then on XX/XX/2019 my direct deposit went to the bank. Instead of returning to my employer they accepted it. Dont know how you accept a deposit on a closed account. Anyways went to bank and was told they couldnt give me my money. Closing my account that has never been overdrawn is one thing but keeping my money is not acceptable. The total is just over {$2100.00}. They say it will be mailed to me. I use my debit card for everything so how do I get the things I need or pay my bills on time. I have good credit and plan on keeping it that way. I was one of five people this happened to last week.