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

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and Equifax ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 


XXXX  Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. XXXX XXXX  Account # XXXX, ( Original Creditor : XXXX XXXX XXXX ) Account number # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ).

The inaccurate reporting of both my account status and payment status by XXXX XXXX Account # XXXX, ( Original Creditor : XXXX XXXX XXXX ) Account number # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach. Fraudulent accounts and unauthorized inquiries have appeared on my credit report without my consent. I request these be immediately blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Accounts XXXX. XXXX XXXX XXXX o Account Number : XXXXXXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX  XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX  XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiries XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XX/XX/XXXX
Product: Bank account or service

I took a trip to XXXX, XXXX XX/XX/2016 and made several attempts to withdraw money from a bank ATM. I was not able to withdraw money in XXXX banks that I tried. I then logged into my online bank account to make sure my travel notification for my debit card was on. My credit cards travel notification were on, however my debit card was not so I turned it on. After turning it on, I again attempted to withdraw at another bank ATM. Again I was not able to so I gave up for the night. Later that night I logged in again to my online account to see {$410.00} was taken out of my checking account. I called Chase to report it and explained to them what happened ( only thing that could have happened : card cloning ) and they " gave me credit due to ATM dispute '' of {$410.00} and {$5.00} ATM fee. About 3 weeks later I am on another trip and I am checking my online account to find " reverse credit for ATM dispute '' of {$410.00}. I called Chase to try and figure out what happened. What they said was that they had evidence that what I had initially said was not possible. I asked them for their evidence and they basically said that it is physically impossible for someone who does not have my debit card to take money out of a ATM because it is a chip enabled card. In total I talked to XXXX representatives and they all said the same thing.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XX/XX/XXXXXXXX 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

XXXX XXXX XXXX is trying to collect a debt that was turned over to them from 12CASHNETUSA that concerns a loan that was opened in my name by means of identity theft. I have a comprehensive report from XXXX, a consumer reporting company, that states my social security number was being used by another individual that wasn't me and that I am a victim of identity theft. The report goes on to inform me of my rights and what to do next. I have already spoken to a representative from XXXX and XXXX and both companies have issued a fraud alert for this account. I want to file a formal police report and find out and prosecute whomever is responsible for this, and for stealing my identity to the fullest extent of the law. This fraudulent account may be the first of many, but I hope not as I have diligently been working towards rebuilding my credit and had already been seeing anomalies prompting the investigation I requested by XXXX. My credit was dramatically improving, yet I was still being denied loans and turned down on credit card offers. A thief took advantage of my hard work and beat me to the chase using my identity to secure loans and who knows what else before I got to reap any kind of benefit for improving my credit and taking care of debts. It disgusts me and quite frankly makes me mad enough to physically fight whoever is responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i called the company to inquiry about the Forbearance program due to covid 19 but I did not enrolled on it, they told me that if I get enrolled I would not be reported to the credit bureau. Howver I received a letter from the bank asking my ok for the forbearance program, when I called they told me I was automatically enrolled so I did not need to do anything and no reports where going to be made to my credit. I requested to be cancelled on this program as I never authorize in writting having me put in this program.

Today my credit score dropped from XXXX  to XXXX  becuase they reported the forbereance in my credit report

which is not alligned on what they told me. I never been late on my payments. I request this mark to be taken off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I began aggressively disputing the below accounts in XX/XX/XXXX, I however have been disputing the accounts since XX/XX/XXXX when they first appeared and was reporting positively because they are not my accounts. <P/>1 ) XXXX XXXX XXXX 2 ) XXXX XXXX My initial dispute online was I had no knowledge of the accounts. I had one XXXX account that is closed and positive and no knowledge of XXXX at all. <P/>In response the credit bureaus 1 ) told me the debt was valid, 2 ) reported it as fraud 3 ) there 's another account with similar information as mine and asked me to send in identify evidence which I did. <P/>Because of their response, and due to my confusion as to how you can say its valid and fraud and say I may have 2 reports, I then sent TWO letters (XX/XX/XXXX and XX/XX/XXXX ) asking for validation for the debt since they were stating it was a verified not validated debt. <P/>What I received in response was a letter stating to call the company and a letter stating no changes would be made because they verified the account but a temporary fraud alert would be placed. I was even told my dispute was frivolous because I asked how can they determine a account is valid but say its fraud all in the same breath. <P/>Nonetheless, NO ONE FROM THE BUREAU HAS GIVEN ME PROOF WITH MY SIGNATURE THAT I OWED The DEBT NOR HAVE ANYONE BEEN ABLE TO JUSTIFY THE REPORTING OF AN ACCOUNT BEING FRAUD BUT VALID. <P/>FCRA rules states that it is the reporting agencies obligation to defend the accuracy of the information THEY are reporting. It is NOT the consumers obligation to call the creditors to figure out what is going on. Nor is it ethically moral to tell someone their inquiries are frivolous especially when I have legit concerns with the reporting of inaccurate information. <P/>
Inaccurate reporting is occurring because : 1 ). They claimed it is a fraud account but also said they were able to validate it.
2 ) The bureau claimed to have investigated the validity of the account, but have been unable to furnish undisputable evidence, with my written signature, of such validation and it is now 60 days into the investigation.
Product: Student loan

Pursuant to 31 USC 3729 3733, the alleged accounts purchased with the social security number assigned to my name by the Social Security Administration are the obligation of the United States pursuant to 18 USC 8. Navient used the identifier, a social security number, to attempt to collect a debt from me and is guilty of violating the False Claims Act ( FCA ) as the social security number assigned to my name is the belongs to the Social Security Administration.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with Experian, XXXX and XXXX XXXX XXXX XXXX. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 
Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX : {$6500.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Checking or savings account

Capital one On XX/XX/year> my payroll check was to get deposit into my account and until now havent received any funds. Deposit hasnt been made and when speaking to a agent. She tried to blame my jobs payroll when they are the ones having technical difficulties. My payroll check was for {$690.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a FTC ID Theft Report for charge-offs from various companies that did everything illegal pertaining to charge-offs being on my credit profile. Per IRS publication 4681 no canceled debt/charge-off should be published on a consumer 's credit report because it is considered income and income CAN NOT BE ON A CONSUMER 'S CREDIT REPORT. They were removed a month ago, now Equifax has published a charge-off from XXXX XXXX XXXX who did not send a IRS 1099c form breaking down the interest and the principal of what was canceled in regards to this alleged debt, so that I can report it properly on my taxes ... also no one from XXXX XXXX has informed me the federally protected consumer who's the victim of this blatant identity theft again after the first report was submitted, that they have a repurchase agreement for this alleged debt. I have no verbal nor written knowledge of XXXX possessing that repurchase agreement and I never received the REQUIRED IRS 1099c form. Equifax is in straight violation of my consumer rights as stated in the FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 business days of receipt as well as REPEATING AN OFFENSE OF ID THEFT by re-publishing what is truthfully ID Theft, this is a hindrance on me mentally, physically and financially and is very unacceptable. Equifax as well as XXXX have ID Theft on their hands and this is criminal per Title 18 U.S.C. please see attachments
Product: Mortgage

I had originally applied for a home equity line of credit with Huntington Bank. After receiving a low appraisal ( which I believe was discriminatory ), I decided to cancel the process. 

The bank proceeded to process the loan without my consent. Their response was I had asked for another appraisal ( I did not. The loan officer told me another appraisal was going to be conducted ) the loan had to be processed. 

I was not made aware conducting an appraisal means a loan must be processed with or without the consent of the customer.
Product: Debt collection

XXXX XXXX XXXX different open/closed account dates which are inconsistent and inaccurate. Also, is medical debt, which is a violation of the fair credit reporting act. 

-National Credit Adjust : does not state who the original creditor is, and the open/closed account dates are inconsistent and inaccurate. 

There is also inaccurate and incorrect information on my credit report that I have asked to be removed, such as addresses and employers.
Product: Credit reporting or other personal consumer reports

This late payment doesnt fit my regular payment history. Please take it off and update my account immediately.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Trans
fer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had ongoing issues with the Office of the Attorney General of Texas correctly processing my payments in a timely manor. I have repeatedly tried to contact my local office and have requested multiple calls back, and e-mails but have had no one contact me to resolve the issue. Due to the OAGs office not correctly crediting my account, it was reported that I was delinquent on child support in the months of XXXX, XXXX, and XXXX to the credit bureaus. This was completely untrue. I then reached out to the reporting agencies to attempt to repair my credit, but have been denied by Experian. I supplied Experian with documentation showing all the support payments that were made, corresponding withdrawals, check stubs with deductions so there is no reason that my claim should have been denied.
Product: Credit card or prepaid card

on XX/XX/XXXX i noticed 2 purchases on my pnc card i did not make i was not in NJ, do not go to those stores and my card was at home locked up while i was in texas i called on 7-8 and to this minute the charges still appear on my card ending XXXX  in amounts that are clearly suspicious please get back to remove them i am not paying them i did not make purchases. i am tired of red tape
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE DISPUTED THESE ACCOUNTS WELL OVER 30 DAYS AGO TO NO AVAIL, I HAVE SENT THE DISPUTED VIA CERTIFIED AND COMPANY HASNT RESPONDED. ACCOUNTS ARE INACCURATE AND ERRONIOUS.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send in a dispute about an account and information that they are sending to XXXX, XXXX, and XXXX and they never responded with proof that they verified the information they claim is verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered my credit report and there was a charge off account from XXXX which was supposed to be removed in XX/XX/XXXX. I disputed with the credit bureau to get it removed and they updated the account using the information from XXXX to XXXX as new. This caused my account to drop 121 points in 2 different disputes. They were supposed to remove the charge off and instead they updated the old information to the present year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be deleted immediately. 

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

This agency is puling my credit as a hard inquiry every 30 days causing a drop in my credit each time. When questioning he Manager, XXXX ( refused her last name ) she stated that she can do this once a month. Although I am delinquent on this debt I was told that this was legal. I work for a collection agency and know this is not legal. I am not applying for an additional loan, or requesting additional funds, so there is no a legal reason in my opinion to continue to make these inquiries. The account has been reported as delinquent on he credit bureau report which is fine, as that is a true statement. I disagree with having my credit pulled with out my permission.
Product: Checking or savings account

I am having issues accessing my savings account with Cititbank. I contacted CFPB about week ago, and they created a ticket to get this resolved. The CFPB ticket number was XXXX. 

Citibank did respond and said that my account was now active and that I could access it. The ticket was closed. 

This morning I attempted to log into that account, and again got the " Acess Blocked '' warning. It appears that they responded back to complaint, but they did not do anything to resolve the problem. Could you please either reopen the ticket or create a new ticket to get this problem fixed. 

Thank YOU so much for your help in dealing with Citibank! 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXX/XX/XXXX
Product: Mortgage

I am writing this letter to bring to your attention a very unpleasant recent experience I had with Flagstar Bank refinance operations. I have been a consumer of Flagstar Bank since XXXX. I recently closed on a very lengthy and unpleasant loan experience with Flagstar Bank. It was the WORST loan experience I have ever experienced and given the circumstances I would never ever again do business with Flagstar Bank.

I fully understand the whole world is dealing with a global pandemic, and I sympathize with professionals working from home while managing personal and work life ; however, unfortunately for me, Flagstar Bank staff were very unprofessional, unethical, irresponsible and discriminated against me for being XXXX while processing my loan. It took 8 months for my loan to be approved and closed ( XXXX ) when I was promised on XX/XX/XXXX that a refinance process would only take " 60 days ''. During the 8 months, I made multiple attempts to communicate with different Departments to no avail. I even made attempts to supervisors and management also to no avail. No supervisor and or manager bothered to return my calls and or emails. 

As a XXXX consumer, I felt discriminated against by Flagstar Bank staff. I am convinced that had I been a XXXX  consumer I would not have experienced the disrespect of unanswered emails, answered phone calls, and bouncing around to various different loan processors and Departments when I persistently called.

How can my complaint be satisfactorily addressed?

Flagstar Bank should review its policy about promises made during the initial disclosure and have a firm policy about their staff returning phone calls and emails/mails to their consumers including management.

Flagstar Bank should also be investigated for loan practices of XXXX  consumers versus people of XXXX. I felt my loan experience was unpleasant because of my race being XXXX.
Product: Checking or savings account

Withdrawl date : {$250.00}. 
Unauthorized XXXX Transfer to a person I did not know. 

1. Called fraud immediately after noticing unauthorized transaction 2. Citibank could not freeze account as they could not trust it was me ( phone number not verified? ) 3. Called again and was able to freeze the account by verifying my Mothers cell phone number. 
4. Went to Citibank XXXXXXXX XXXX XXXXXXXX branch and sat with banker with the intention of closing the account. 
5. Wanted to take the money and put it in a cashiers check to deposit in spouses account. Was told I needed to open a new account to transfer the money into to make a cashiers check, then could close the account ( could not close the old account while fraud investigation was taking place ). 
6. Opened account for transfer to cashiers check successfully. Downgraded the account to reduce the minimum balance requirements to not accumulate fees. Was told if I link the two accounts, the two would work together to add the total balance to not get fines ( minimum {$1500.00} on both accounts, but if they were linked I could keep {$1500.00} total for both and not get fines ).

7. Turns out, I didn't have to open a new account and the information about linking was incorrect. I also could not close the new account the same day it was opened. Banker assured me she would watch the old account so it would not have fees added. Left store with An additional bank account, less money than intended, and no answers. 
8. XX/XX/2021 - Letter from Citibank stating 'there are elements of the claim that lack credibility ' and 'we believe that the transactions that comprise your claim must be considered authorized and, as a result, we are unable to honor it. ' To summarize, issues in freezing the account, bank of ~15 years could not properly identify it was me even after answering all questions, was lied to twice in store, fraud claim denial on a XXXX transfer not authorized.
Product: Mortgage

Sold my home. Final payment from attorney office was late. Resulting in a bad mark on my credit score.

I need this bad mark removed as I have never had a late or missed payment for the entire term of loan and history of my credit.