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

Original Creditor - XXXX XXXXXXXX XXXX XXXX Amount : {$630.00} Collection Company XXXX XXXX XXXX XXXX This account I've been fighting for a few years now. This was not opened by me! Its not my responsibility. I'm not sure what or how it was verified. This is not done by me and needs to be off of my credit report immediately.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding fraudulent items that have appeared on my account with your company. It has come to my attention that there have been unauthorized transactions and charges on my account, which I believe to be the result of fraudulent activity. 

Upon reviewing my recent statements, I discovered several transactions that I did not authorize or recognize. It is evident that my account security has been compromised, and I am deeply concerned about the integrity of my financial information. 

I immediately contacted your customer service department upon discovering these fraudulent transactions, and while the representatives were helpful in assisting me with reporting the issue, I am writing to request swift action to remove these fraudulent items from my account and to ensure that my account security is restored. 

The presence of fraudulent charges on my account not only poses a significant inconvenience but also raises serious questions about the effectiveness of your company 's security measures. As a loyal customer, I expect that my personal and financial information is safeguarded against unauthorized access and misuse. 

I urge you to prioritize the investigation and resolution of this matter to remove the fraudulent items from my account promptly. Additionally, I request that you take immediate steps to enhance the security protocols surrounding my account to prevent any further unauthorized activity. 

Please provide me with a detailed plan of action for addressing this issue and restoring the security of my account. I also expect regular updates on the progress of the investigation and resolution process until this matter is fully resolved. 

Thank you for your attention to this urgent matter. I trust that you will take the necessary steps to rectify the situation and prevent future occurrences of fraud on my account. I am asking for your assisstance to remove othese fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$830.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

XXXX XXXX XXXX opened a credit card to a person who stole my identity to do so. With the help of my bank XXXX/XXXX we contacted XXXX and they refused to take any action and referred me to XXXX XXXX XXXX who they sold the debt to. After contacting XXXX XXXX XXXX with a police report, and the results of disputes from XXXX and XXXX showing this account was fraudulently opened in my name, they still refuse to discharge this fraudulent and remove it from my credit report. I need assistance in having this fraudulent debt discharged and removed from my credit report. 

I have included the police report and report from XXXX. I am still awaiting paper copies of a dispute from XXXX, which result shows this account was fraudulent and they have deleted parts from my account.
Product: Debt collection

I contacted LVNV FUNDING LLC regarding an account from a XXXX XXXX account that's the original creditor to resolve. They advised me that they no longer have my loan it was sent to other agency. I asked why are they the company still reporting to my credit if account no longer in their office couldn't get an answer. I ask that if they no longer have my account please remove them from reporting to my credit. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAXisaXXXXcompanywhoconstantlyviolatestheFCRArules!!IhavebeenthevictimofIDTHEFTandhavesentpolicereportsandtrovesofsupportingdocumentsintoEQUIFAXshowingthistobethecase.IhaveseveralfraudulentaccountsthatwereNOTopenedbyme!TheseaccountswerelistedonallthedocumentsI'vesentin.Theywereallblockedandremovedatonetimeandnowtheyarere-reportingandEQUIFAXrefusestodoanything,AllIkeepgettingtoldisthattheywereverifiedasbelongingtome!!!Thisis100%false!!IftheybelongedtomethenwhyisEquifaxnotsendingproofofthistomeormyattorney?EvenwithaAttorneyinvolvedEQUIFAXWillnotdoanything!!!Howcanyouoperatethisway?
Product: Checking or savings account

Both Citibank and XXXX  XXXX XXXX allowed unauthorized access to my accounts. I added the woman I thought was my wifeto ONLY my checking accounts at both banks, she was not n any savings or CDs. Citibank has her listed under her maiden name and XXXX under my last name, ( which she never changedto using except when she had a credit card revoked, then shed reapply under my last name ). This started 8 years before we were married, no less. Ive found she changed my address to hers 3x and opened credit lines each time and repeatedly was pulling my credit report. As far as the banks, both admitted they erred by allowing her access to all of my accounts, even business and client trust accounts. She withdrew thousands, sent thousands to her family in the XXXX and even stole my ssdi income before abandoning me. After she left, she continued to steal from my accounts and even closed new ones I opened, under direction of the XXXX manager, at a new PO Box that she had no knowledge of its existence. XXXX have assisted her thievery several times and now refuse to investigate themselves. In serious need of help She stole using online access to move money from accounts she was not allowed access to each respective checking account that she was allowed access. She also hacked my network through myXXXX XXXX XXXX app to obtainmy phones XXXX address ( results in a cloned phone, complete with passwords and everything. )
Product: Payday loan, title loan, or personal loan

I believe this may be an illegal loan in sate of California? Its over {$10000.00} with a crazy apr
Product: Credit card or prepaid card

On XX/XX/XXXX2021 I purchased two airline tickets ( 2X {$1100.00} ) for me and my sister. On my return trip, I experienced a delay with of over 3 hours and I was unhappy with the service that the airline provided because apparently the airplane had too much weight. ( Which is ridiculous, how does the airline not have a running weight of the plane at check in ) I tried to work it out with the airline to no avail. So I open a dispute on XXXX XXXX, 2021 for ( 2X {$250.00} ) by calling Chase and they begin the dispute process. I find out nearly a month later, that I was denied, and that the Chase representative put that I never received the item when I never said that. And I know that I would never say that because its an easily verifiable claim that I did fly. 

I called Chase again ( XXXX ) and was told to reopen the case by faxing or mailing a letter stating my experience with evidence that would help my case. I did and after it processed, I called Chase ( XX/XX/XXXX ) to let them know of two things. 

1 ) That they opened 3X {$250.00} disputes for the tickets ( and should close one ).

2 ) That I tried to contact the airline during business hours.

I was going to call Chase stating that in closing one dispute, they pushed the date ahead of the other two by two days when I never changed the dispute, they made a mistake. But I was distracted by the fact that as I was browsing the Chase app that not only was I denied again, but that they put the reason as no billing error found. When again, I never said that there was a billing error. I said that there was an issue with the service. 

I call Chase today ( XX/XX/XXXX ) and they tell me that " disputes don't work if an item was received '' and that airlines have been struggling. I remind the representative that I know I went on the flight, that was never the issue, but that the service they provided was unprofessional. They held on to the line that " disputes don't work if an item was received '', and when questioned over why it took XXXX representatives to admit that policy that's not even on the Chase website, they said that they don't know. A policy which by the way, is not even listed on the disputing a charge Chase website. 

I believe that while the pandemic has affected airlines, I doubt that it has affected an airlines ability to make sure an airplane doesn't have too much weight for takeoff. 

I doubt that " disputes don't work if an item was received '' is true because it would break the dispute process. And also Chase stated that the airline denied the claim ( the faxed one ) and yet Chase never hounded XXXX for proof that there was a delay. An easily verifiable claim by contacting the XXXX. 

Also Chase repeatedly changed the date of the disputes ( 2nd attempt ) from XX/XX/XXXX to XX/XX/XXXX to XX/XX/XXXX. When I never changed the claim, and I believe they did so with malicious intent. 

All in all Chase and XXXX provided unprofessional service and the public should be aware of that.
Product: Mortgage

On XX/XX/2018 we sent in a mortgage assistance application provided by the company explaining that we were experiencing a loss in income. We were denied any financial assistance, and when we called for an explanation we were told that we did not make enough income to qualify. This explanation did not make sense to us and we were not provided any additional information upon request. In XX/XX/2018 I made an attempt to pay {$2500.00} towards the past due balance which at that time was {$5500.00}, I was told that they would not accept this payment as it had to be the full amount. Then in XX/XX/2018 I attempted again to make a payment of {$4500.00} towards the past due balance which at that time was {$7700.00} and once again was told they would not accept it because it was not the full amount that was past due. We have continuously made attemps to pay off some of our debt and we have been denied, causing our house to go into foreclosure.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am contesting any information on my credit report that I believe is inaccurate. According to the Fair Credit Reporting Act ( FCRA ) and the Metro 2 reporting standard, data included in my credit report must be documented and validated before it is included on my report. I can not recognize or accept the allegation of delinquency and derogatoriness without factual proof.You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law.If any of the claims in my credit report are not true, please delete them immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 40 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is not following the consumer law. They violated my Hippa rights and I didnt give them any written instructions to put my medical records on my credit report I have a right to privacy my medical records are personal.. please investigate and show me the file you have from my medical doctor. You are in several violation
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance of the fair credit reporting act this creditor has violated my rights u see 15usc1681 section602 states I have a right to privacy 15usc1681 sec 604 a sec 2 it also states a consumer reporting agency can not furnish a account without my written instructions under 15usc1666b a creditor may not treat a payment on a credit card account under an open an consumer plan as late for any purpose XXXX XXXX XXXX XXXX XXXX XXXX an XXXX XXXX  I am trying to get corrected
Product: Money transfer, virtual currency, or money service

About XXXX months ago, I started investing my money on stocks through Robinhood App. When I decided to transfer my money out of Robinhood, it restricted my action because the initial bank account that registered with my Robinhood account was not the same as the one I would like to have my money transferred to. Thus, my request can not be fulfilled and they closed my account eventually without notifying me. Later, I got a call from their representative, he told me that my action requires their specialist to call me to assign a money order then I can withdraw my money from my local bank. However, during the past three months, I tried to reach them out and kept sending emails to their customer service email address regarding the same issue. None of my emails got a legitimate response from their side except those automatic replies. I deeply doubt that I got scanned by their company. Especially, considering the raging and increasing accuses and complaints pointed to their company since the 'XXXX XXXX XXXX '' I really don't know what to do and where to ask for help now. My family and I need this money to survive. Please help us find a way to get my money back. For your reference, I have attached some evidence below. Please don't hesitate to contact me if you need my further corporation. Your help is highly appreciated.
Product: Credit reporting or other personal consumer reports

Request for Assistance in Identity Theft and Noncompliance by Harley-Davidson Financial Services Dear Consumer Financial Protection Bureau , I am writing to formally request your intervention regarding a serious and ongoing issue involving identity theft and noncompliance by Harley-Davidson Financial Services ( HDFS ) . Despite my numerous complaints and requests for assistance, the company has failed to take the federally mandated actions required to protect me as a victim of identity theft. 



Since XXXX of this year, I have repeatedly informed HDFS that my Social Security number and personal financial information have been compromised. An unauthorized individual, XXXX XXXX, has been able to access my personal loan details and link their XXXX account to my financial institution account. I have submitted multiple complaints, provided documentation, and escalated the matter to different supervisory levels within HDFS from XXXX through XXXX. Unfortunately, the companys response has been inadequate, and my efforts have been ignored or denied. 



Despite issuing a 10-day demand letter to cease and desist the unauthorized activities, HDFS has failed to comply. Specifically, I have requested the following : 1. Issuance of New Account Numbers : To prevent further access by the perpetrator, I have repeatedly requested new account numbers. HDFS has denied this request.

2. Account and Payment History Documentation : I have asked for detailed records of my loan payments and the names and account numbers currently linked to my account so I can pursue criminal charges and file complaints with the FTC and the Texas Attorney General. 



HDFSs refusal to act has directly resulted in continuous breaches of my privacy, compromised loan accounts, and damage to my credit score. The companys failure to comply with federal laws designed to protect identity theft victims is unacceptable and has left me vulnerable to ongoing abuse. 



I request that the CFPB escalate this matter immediately and compel Harley-Davidson Financial Services to : Issue me new account numbers to prevent further unauthorized access. 

Provide a complete account and payment history, including the names and account numbers linked to my loan. 

Ensure compliance with federal laws requiring businesses to protect identity theft victims. 



I have taken extensive measures, including seeking protective orders and reporting the issue to civil courts, the FTC, and the Texas Attorney General. Despite my efforts, HDFS continues to bypass any resolution attempts. I urgently need your assistance to ensure that my rights and financial security are safeguarded. 



Please feel free to contact me if additional information or documentation is required to expedite this matter. Thank you for your attention and support.
Product: Mortgage

I have asked Vanderbilt Mortgage to remove the PMI from my mortgage. It is my understanding of the law that if I can show that my house worth Which was appraised at the time I refinanced it and It appraised at XXXX. I now owe XXXX I have met the requirement to remove the PMI I went on line and asked them to remove it they have n't responded to my request. again tonight I have asked them to remove it
Product: Credit card or prepaid card

I was in a no interest promotion with my citibank - Best Buy Visa card for zero interest. A new charge hit my card, and they started putting my payments NOT on my promotional balance, but on the other balance. Therefore, making themselves more money because the promotional balance wasn't paid off by the date where interest would accrue. Of course, due to this, they ended up making over {$600.00} in interest from me. In the past, I had the issue with them on another promo and I emailed the told them that I wanted my payments to go towards the promotional balance first. They made the change. Again, when I noticed this time, it wasn't going towards the promotional balance, I emailed again to request it. They didn't, and then that large fee. I feel like they intentionally do this so that they consumer in the end gets in trouble. They state that they put payments towards the balance gaining interest, but how does that even make sense? Why would anyone rather pay towards a balance creating a small amount of interest and as a result end up paying 100 's of interest on the promotional balance not paid. My promotional balance would have been paid off before the end date. They just want to make more money off the consumer, and it shouldn't be legal. These huge corporations that take government money, end up ripping off the consumer and it's unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to inaccurate items in my credit report. It has been well over thirty ( 30 ) days and I have not received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX XXXX, 2021 we have repeatedly requested that Equifax lift a freeze on our credit report so that we can apply for a new credit card. Subsequently we've contacted XXXX to ask that they process our credit card request. XXXX has repeatedly stated that they still can not access our credit report because Equifax has our credit report frozen. 

Whenever calling Equifax they ask questions about loans or accounts we never had or others that are older than 7 years and that we have no records of them. After repeated attempts we have never been able to get through to an agent. They now have repeatedly rejected us from login online. We downloaded forms and mailed them ( received by them last Monday, XXXX XXXX, 2021 ) requesting that they lift the freeze on our credit reports through XXXX XXXX, 2021. 

Since then XXXX still reports that they can not access our credit report because Equifax has failed to lift the freeze as we requested. 

Our ability to manage our finances is locked down because Equifax has been completely unresponsive. At this point we do not believe we have any other recourse than to ask your department ( and/or our XXXX XXXXs office ) to intervene and push Equifax to XXXX responsive to customer 's requests. 

Thank you ahead of time for any assistance you XXXX be able to provide to move Equifax to become responsive.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC XXXX regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION has violated the FAIR CREDIT REPORTING ACT ( FCRA ). 15 USC 1681 : SEE ATTACHED DOCUMENTS a. Affidavit of Truth- Copy to company was Signed and Notarized b. Copy of item on Credit Report c. Invoice d. Copy of Certified Mail Receipt
Product: Checking or savings account

I made a deposit via ATM for {$500.00} cash at the instruction of a bank employee on Saturday XX/XX/XXXX. The atm did not record the deposit properly and jammed. We were only credited {$240.00}. I called the bank immediately and was assured the atm counts everything and my {$500.00} posted. This was not the case. I contacted the bank again on Monday and was told it was sent to another department to investigate. After speaking with multiple people in the call center over several phone calls I went into a local branch for assistance. They also were unable to help me and referred me back to the call center. On Friday I requested someone from the dept investigating this contact me and was assured I would receive a call Monday. I did not receive a call. I received a letter stating Wells Fargo is only crediting {$240.00} of my {$500.00} deposit. I have also requested on 2 occasions that they pull the cameras from the atm as I counted it prior to deposit and was denied. I have also been brushed off when inquiring about filing a complaint with management. This account is a joint account with my XXXX XXXX. This is her money she earned at her summer job and we are getting no assistance when this was Wells Fargos error and broken ATM machine.
Product: Credit reporting, credit repair services, or other personal consumer reports

violates HIPPA, CRA. Sent police report and credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXXXXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4700.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX