23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of identity theft this is my second request please see documents attached
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPTEDNELNET Opening a new account can temporarily lower your score because it adds a hard inquiry to your report and lowers your average age of credit history. But with on-time payments and responsible use, your score may actually increase over time.
Product: Debt collection

My credit card number was stolen and I was contacted by the fraud department at Citi. They told me they would close that account and send me a new card. I had a payment due and logged in to pay my payment and it showed a XXXX balance and I was unable to make the payment, however I also had not received my new card number at that time. So I received a phone call from Citi XXXX department, who was not very nice and insisted the information was on there website. After the call was ended, I logged in again, and it still said XXXX balnace and I was still unable to make a payment ( this I took a picture of ). I then received and email taking all my available credit away from me. I tried calling them again and they took my payment over the phone, however would not remove the late fee, which was of their doing, not mine, and said they could not do anything to repair what they had now done to my credit.. due to errors on their end.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, New York through XXXX XXXX XXXX, in XXXX, PA has put the sum of {$240.00} that I do not owe into my credit report. 
In summary, I was just a tenant on the 2nd floor of a building. My monthly unsubsidized gas bill is {$23.00}. I am the only occupant in this apartment, and I rarely stayed there. At no time did I miss the monthly payment. In fact, I did not live here in the last year of my lease. I called XXXX a month before I vacated and told them to disconnect the gas because I was leaving. They told me that they have read the meter and have disconnected the gas for the apartment and that all I needed to do was to pay for that last month and that I will not be owing any gas bill. I have their account saved on my Bank app on my phone and I usually pay them ahead of the due date. The use of gas in that apartment was for cooking ONLY. XXXX later claimed that I owe {$240.00} and got XXXX XXXX XXXX to put this on my credit dragging down my credit from XXXX to XXXX. 
If the Landlord owes them, they should please sort that out with her and should stop harassing me. 
Finally, I am being straight forward and honest about this to you : this is not my debt as I do not owe them. 

Thank you.
Product: Credit reporting or other personal consumer reports

This is my several 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, block 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I enrolled at XXXX XXXX College XX/XX/XXXX ( now XXXX College ), graduated XX/XX/XXXX and borrowed {$48000.00} from American Education Services to complete the program. Like most private loans its a standard variable interest non subsidized loan. Currently my balance is {$47000.00}. I did get laid off within the 8 year period and was unable to make about 8 payments but have been faithful on the other, roughly, 88 payments. I have made over {$29000.00} in payments to the company ; I do n't understand how my balance has only dropped by {$1000.00}. I call and can not get a direct answer from the company. PLEASE HELP me! I am desperate to get out of debt but at this rate I 'll never see the end.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX  XXXX Balance : {$20000.00} ; XXXXXXXX XXXX XXXX Balance : {$260.00} ; XXXXXXXX XXXX XXXX Balance : {$140.00} ; XXXXXXXX XXXX XXXX Balance : {$11.00} ; XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX Balance : {$630.00} ; XXXX  XXXX Balance : {$490.00} ; XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XX/XX/2022
Product: Credit reporting 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 USC1681.

Account Name : Advanced Collection Bureau, Account # 0988, has violated my rights.

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

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 requested repeatedly that they update my name to reflect my legal name change. It has been over a year since my name change and my new name isn't reflected anywhere on my report. I am unable to mail in documents and have told them this. They have made no accommodation to allow me to have my legal name accurately refl on my credit report and have ignored the fact that my new name has been used on every credit application for the past year. I have been denied being allowed to move forward with credit applications and employment due to my name not matching and my identity being unable to be verified.
Product: Credit reporting or other personal consumer reports

AS I WAS REVIEWING MY REPORT I HAVE FOUND AN INQUARRACY WITH XXXX XXXX ACCOUNT NUMBER # XXXX This account has been deleted from my TransUnion credit file XXXX and as required under the Fair Credit Reporting Act ( FCRA ), I am requesting that TRANSUNION ensure compliance with 15 U.S. Code 1681n by investigating and correcting this inconsistency immediately.

Specifically, I believe this account is being reported inaccurately or in violation of the law. I have attached a copy of my TransUnion credit report showing the deletion of the account for your reference.
Product: Consumer Loan

I have a loan through Ally Financial. I recently went through the loss of a job so I had requested a deferment for 60 days. That was approved. I followed their instruction for the deferment and paid them {$320.00} on XXXX XXXX. I was to then wait for the paperwork and send it in as soon as I received it. I never received it - I called and they said they would send out again - again, never received it. I called them and they said that they would send it out again. Since there was another payment due in the meantime, I asked how that was going to be handled. They responded that there would be no additional charge and that I would receive my paperwork soon. It has been almost a month. I have called every day, I have got a different story and a different excuse every day regarding this deferment. I am extremely frustrated and I think they have been negligent by not being honest with me. I am concerned because my account says I owe and all I want to do is have this deferment be complete. I finally received paperwork - that was incorrect - they said that I should just sign that one and indicate on it that the amount was incorrect. I scanned it and sent it in ( not thinking it was a good idea to sign an incorrect document ), but who knew when I might get a replacement correct document. I just got off the phone with them now again and they said it is in progress, please wait 24-48 hours. I have been waiting over a month .... ARGH!
Product: Debt collection

I got a collection put on my credit report and did not know about this medical bill and was never notified by the collection company that they were trying to collect the monies. I dont even know what this bill is for.
Product: Mortgage

Back in XX/XX/XXXX there was a really bad Hurricane and i was in contact with Caliber mortgage about my mortgage payment almost every week. The reps on the phone kept telling me that due to the natural disaster that we did not have to make our monthly payment. Than i checked my reports and they reported me 30 days late. I than called and the rep said that if i disputed the alleged late pay that they would correct their mistake. Well i disputed it and they still have me as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
s/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hello my name is XXXX XXXX and I've been banking with Bank of America since XXXX. First they stopped my online for {$23000.00} date XX/XX/XXXX. Without calling me they cancelled my transaction. When I called they they asked me to visit the financial center and i visited the XXXX XXXX XXXX branch located in XXXX, MA. The banker called the online people and I spoke to them as well sitting in the bank, I was been told everything has been taken care of now and my account is in good shape, now when I am lying down in bed due to my medical conditions for my both knees replacement I used my online to pay my bill in the amount of {$5700.00} on the XX/XX/XXXX which again they cancelled, Then I tried to purchase clothes using my debit card on the XX/XX/XXXX it got declined. They have closed my online access, my debit card and want me to drag my bed to the financial center. They called me themselves several times through all means of communications. Instead they want to see me in branch with my bed.
Product: Credit card or prepaid card

Comenity took over from my XXXX XXXX XXXX account. they did not respond at all to my email about such transfer. no new card. i do not get regular mail on a timely manner. called after receiving finally opening my mail. statement had no account number and late fees had incurred. website felt sketchy to sign into. upon calling customer service they credited my late fee. i feel they had email and phone number to contact me directly. especially after they supposedly sent out a new card but never activated few months prior.
Product: Credit reporting or other personal consumer reports

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter. Please REMOVE all of the fraudulent information listed below from my credit profile, pursuant to section 605 ( b ) of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/20XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit card

Someone obtained my information and opened a credit card with Synchrony Bank/TJ Maxx credit card. I believe they rented a car with XXXX rental car company with that card. The rental car company told me they have my Driver 's License on file and that they have security camera footage of me getting in the car in XXXX XXXX. I have never been to XXXX XXXX in my life. They confirmed they had my XXXX Driver 's License on file and when they read to the # to me it became apparent that they had my former Kansas Driver 's license #. 

Someone also opened a Personal Loan with XXXX XXXX for approximately {$6000.00}. 

I have never done any business with either of these companies. 

I have spoke with all 3 Credit Bureau 's and 2 of them are investigating these fraudulent activities.

I believe they have my Social Security Number.
Product: Money transfer, virtual currency, or money service

I sent a friend of mine {$150.00} on one transaction and before that {$25.00} they locked both people 's accounts that I sent the money to with the money still in the account after the friends try to get back in the account or get a refund of the money they either didn't respond or kept saying that transactions can't be cancelled set that they needed to click a lost password link which never came to any email of theirs and they have never give me my money back
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account 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 fumish a acount without my written instructons 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

ALLY FINCL XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hi, I am a victim of Identity Theft, I have contacted all three bureaus XXXX, EXPERIAN, And XXXX I also followed the proper steps into disputing these items, I.e contacting original furnishers to seek clarification on the Identity Theft and details of charges, uploading the information and documents and sending in dispute letters in regards to the information that is on my credit report as incorrect information which has not been corrected or removed. They place the same information on my credit report when its been deleted from another bureau. Ive sent in a police report and my Identification, current address, social security number as well as an outline of the items I have discovered to be inaccurate/incorrect information. Below is a list of items Ive found to be a result of identity theft, that I have disputed and asked to be deleted and removed and blocked from me credit report, 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX I purchased a watch from XXXX for {$64000.00} ( receipt attached ). I wired money from my XXXX XXXX account to the sellers bank account at Citibank on XX/XX/XXXX ( wire details attached ). Order number XXXX I contacted them on XX/XX/XXXX for a status and they said the watch was with a XXXX party being verified for authenticity. On XX/XX/XXXX I was told that they were never able to get the watch and that I could cancel of have them keep looking for a similar watch. On XX/XX/XXXX I cancelled the watch. It took them a week to accept the cancellation on XX/XX/XXXX. I made many request for status of the refund and they kept delaying the date for refund. Ultimately they stated 10 working dates from XXXX it would be paid back. Given their policy I was due the refund on XX/XX/XXXX. When I asked about my refund being due they stated the refund would be another 15 business days clearly violating their policy and now making up dates to prevent giving me my refund. I have emailed twice about why they added an additional 15 days to refund my money and they have not replied I contacted XXXX XXXX Fraud Department about 2 weeks ago as I was suspicious that this was fraud. They contacted Citibank who has not done anything to recover the money from the fraudulent site tied to their bank. Further investigation by me has found that XXXX has similar stories of not refunding on XXXX so this is a wide ranging scam that Citibank is supporting. One user claims that XXXX was able to get his refund. They also have fraudulently created XXXX profiles and have those profiles create fake positive feedback on XXXXXXXX XXXX domain is hosted buy XXXX which reports that the site in ineligible for transfer, sale or renewal which is also a sign this site if fraudulent. 

I would greatly appreciate your investigation and attempt to recover this {$64000.00} and can provide any information you need. I have filed complaints with also the XXXX and FTC. I also have filed a criminal report which my country sheriff is investigation as a crime.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX I am writing to formally file a complaint against Truist Bank for their failure to properly investigate and resolve a dispute involving {$3600.00} that was stolen from my account ending in XXXX XXXX XXXX XXXX XXXX, I reported unauthorized transactions totaling {$3600.00} to Truist Bank and followed all required procedures to initiate a formal dispute. I subsequently provided a police report documenting the incident as evidence of the fraudulent activity. Despite this, Truist Bank denied my dispute claim just 13 minutes after receiving the police report.

A representative from Truist confirmed to me over the phone that the dispute was reviewed and denied within 13 minutes of receiving the police documentationan insufficient amount of time to conduct a meaningful or thorough investigation. This hasty denial suggests a lack of due diligence and contradicts the principles of fair investigation as outlined in the Electronic Fund Transfer Act ( Regulation E ). 

To date, Truist Bank has failed to return my stolen funds and has refused to honor the protections afforded to consumers under FDIC guidelines and federal law. I believe their actions are negligent and violate consumer protection standards. 

I am requesting that the CFPB investigate this matter and hold Truist Bank accountable for failing to uphold their responsibilities in resolving fraudulent activity reported by their customer. I am prepared to provide any additional documentation, including the police report and written correspondence with Truist Bank, upon request. 

Thank you for your time and assistance in this urgent matter. 

Sincerely, XXXX XXXX