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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the these accounts ASAP : XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8900.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service , or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( s ) are unknown to me. Also, the information you provided on these accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting or other personal consumer reports

I am listed as being 30 days late on my XXXX credit card for however after requesting my statements be emailed to my the branch manager because XXXXXXXX XXXX has REFUSED to mail my statements to me and has instead keep me on paperless statements despite me telling them countless times I do not have access to online statements. This is a violation of the E-Sign act and due to this inaccurate reporting I will be filing a lawsuit against XXXXXXXX XXXX However at present I am providing proof that my account can not be 30 days late as my due date is XXXX and at present it is XX/XX/XXXX. I am providing both my XX/XX/2023 and XX/XX/2023 statement emailed DIRECTLY from the branch manager. Showing both XXXX and XXXX paid on time. This inaccurate reporting needs to be fixed IMMEDIATELY as it has caused extreme harm to me personally and financially and I will be seeking legal action against all parties not just XXXX XXXX if it is not corrected expeditiously. 

I have attached a copy of my ID for identity verification
Product: Checking or savings account

On or about XX/XX/XXXX my family fell victim to fraud what I thought was a small business loan ended up costing me everything. A check was deposited for {$2400.00} and 2 ach disputes were done for previous months mortgages. USAAs fraud department stated that they had occurred in XXXX via my wifes login information. The money was then moved out via my personal cash app. I was ultimately held responsible for these transactions but no one can answer how it was a check was deposited and 2 ach disputes were done within 7-10 mins the disputes were {$1800.00} a piece. No one has stated who authorized them from the bank no one has given any information as to what security measures were taken to stop this. No one has said how it was that the debit card limit was increased also during said time period to allow these transactions to happen. Fraud department said I helped move the money so I am liable for everything which is funny cause the bank allowed the deposit to occur the bank allowed the disputes which usually take 24-72hrs to happen in mins. The bank also has yet to say how it is that they were able to do this without verification and or authentication. Which is what you would have to do even if you called in have your PIN code and so on. No one is answering anything, I paid the {$2400.00} for the bad check and the {$3700.00} for the 2 mortgages and the {$4300.00} that was taken out and no one can tell me why a person who was deemed responsible for this would do something like that. Theyre fraud department found that the account wasnt hacked or taken hostly but cant answer questions about the IP Address where these took place and or how it is a check that theyre fraud department deemed fake within minutes was processed within mins.
Product: Mortgage

I am still waiting for PennyMac to release insurance funds meant to pay for a repaired roof. 
The XXXX tree that snapped and fell on my house in XXXX has been removed, the roof repaired, inspected, and all requested documents have been received, yet PennyMac refuses to say when I can expect to receive the check. Their representatives reveal new and unexpected delays every time I call, always adding that I can expect further delays if something unforeseen arises. Tomorrow will be XXXX XXXX, and PennyMac expresses no regret that I and my family have been severely inconvenienced by what appears to be a deliberate strategy to earn as much interest on the funds as possible. Numerous allegations of loss draft fraud by PennyMac can be found online. All contain similar stories, and advise customers to reach out to agencies such as this, and the state attorney general 's office as the only reliable way to encourage PennyMac to uphold its obligation, and not exacerbate catastrophes simply to make a few a dollars at their customers ' expense. When I asked if there is anyway to expedite this process, their representative told me that my case would " have to wait just like all the others. '' I should add that my mortgage payments have never been late, and that I had no reason to anticipate such blatant disregard for my time and situation. Travel plans have had to be postponed due to these unjustified delays, and I am deeply XXXX to pay the contractor whose urgent work was done in a timely manner. How many more months will it take for PennyMac to release the funds? How long can they legally postpone payment by claiming their various internal procedures must first be met, like XXXX to 5 days for each of several stages, like requesting the check, receiving it, sending it, and XXXX delivering it? I do n't believe these delays are legitimate, but merely designed to take advantage of their customers during a time when cooperation from their lender is most needed. It is a shameful and demeaning way to operate a business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, when I checked my credit score on my banking website, I noticed that my credit score had gone from a score of XXXX down XXXX points to XXXX. I looked at why this had happened, and I noticed that a credit inquiry was made on XX/XX/2023 from XXXX XXXX XXXX. I did not apply for this credit card. When I called XXXX XXXX, they were able to identify an application made under my name, XXXX XXXX, but they had marked it 'suspected of fraud ' and didn't proceed with the application. They sent me a letter stating that the application was fraudulent and they were withdrawing the application. I asked them how to get this off my credit report and they directed me to file an identity theft report.
Product: Payday loan, title loan, or personal loan

Borrowed {$1000.00} from Big Picture Loans and was told there would be a one time finance charge, but they end up charging it every two weeks. Very misleading and cant get anywhere with customer service.
Product: Bank account or service

I have a bank account at Chase. It has maybe XXXX to XXXX transactions a year. 
XX/XX/2015, someone went into a Chase branch and obtained a ATM card to my account. This person withdrew all the funds from my account. I was notified when Chase Emailed me that the account was overdrawn. I filed a claim through the Chase system, and they denied my claim. Chase says they see no evidence of fraud. 
So Chase gives a crook an ATM card to my account, and Chase says to me too bad, your money is gone.
Product: Money transfer, virtual currency, or money service

I recently opened up a PayPal account. I received notification shortly after the account was opened saying that my account had been limited because it was associated with other paypal accounts that had negative balances. Upon calling PayPal I informed them that I have never been associated with the accounts that were opened in my name and that I could provide them with documentation to that point. My account limitation was appealed and the appeal was denied stating they had to evidence of identity theft. I asked on numerous occasions on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to send in documentation of the idenity theft. Today, XX/XX/XXXX, I was told by PayPal to go to XXXX to upload my documents. Every time I did that I was prompted to sign into the website and then told me account was restricted and at no point was I given an opportunity to upload my documents. I am uploading the original driver 's license with the home address where I lived when the identity theft first happened, along with letters from the bank that caused the identity theft as well as letters from other creditors that have done their own investigations and found me not liable for these fraudulent accounts. I processed these disputes with the other creditors through this consumer protection portal which can be verified as all correspondence done through the portal is saved.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus ( XX/XX/2024 ) to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX  XXXX Balance : {$300.00} XXXX XXXX Balance : {$33.00} XXXX XXXX Balance : {$120.00} XXXX XXXX Balance : {$750.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$680.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$120.00} ; XXXX & XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$270.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance XXXX {$3700.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$7800.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX XXXXXX/XX/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: Mortgage

Between XXXX and XXXX, we failed to provide proof of flood insurance for 9 properties included in 1 commercial bank loan with First Citizens Bank. As a result the bank imposed forced-place insurance totaling {$280000.00} which was bundled in a recent refinanced mortgage at 6.85 % interest. 

The bank provided a copy of XXXX 's forced-place insurance policy which totaled {$21000.00} ( XXXX x {$2400.00} ) at $ XXXX coverage per property. 3 years, at this approximate premium, should be roughly $ XXXX, not $ XXXX. Also, although this is a commercial loan, the properties are considered " residential '' by the National Flood Insurance Program ( NFIP ). NFIP allows a maximum of $ XXXX coverage not $ XXXX per policy. Accordingly, we estimate that the premium should be roughly ( XXXX x {$1200.00} ) or {$10000.00} per year or {$32000.00} for 3 years which is roughly half of $ XXXX. 

Based on the evidence we're providing and our estimated calculations, we feel the bank has over charged us approximately $ XXXX. We requested that they explain the charges on XX/XX/XXXX and have not received a response since then. This email request to them is also attached. 

Finally, we have already made the first 2 mortgage payments that include this money owed at 6.58 % interest. We have not paid anything else towards this specific " debt ''.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX we used our Chase bank account to send a XXXX transfer in the amount of {$2000.00} to someone we know. When on my Chase account it prompted me to enter 3 fields. Name : XXXX XXXX, Phone # XXXX and email XXXX. Then you hit the " next '' button and one recipient came up " XXXX XXXX '' registered to " XXXX '' ( her recently deceased husband ). I sent the transaction and they never got it. Turns out I put in email incorrectly it should have been XXXX. Why did XXXX XXXX come up as correct recipient if fields did not match?? I called Chase immediately upon realizing mistake and they said they would have to file a claim with XXXX and look into it. How do the fields not match, but come up with the correct peoples names?? My receipt has their name on it. Chase had told me it went to a XXXX XXXX account ending in XXXX. This is also the bank that our intended recipients use. They would not give me names where my money went. 

When we looked into the email address XXXX via internet searches we find a XXXX XXXX XXXX. We have tried to contact her via email, XXXX and phone. No replies. 

We have contacted Chase several times to gather information and inquire about what they are doing. On Monday XX/XX/XXXX we called and they told us they closed the claim because I initiated the transfer so it is not fraud. I called XXXX and they told me sorry " we have no safeguards '' basically we need to contact person it went to and see if they are willing to give it back. Well that would be great if Chase or XXXX would tell us were it went. We then called XXXX XXXX fraud department who told me that a transfer like that should not happen unless the email and names match. They told be they are willing to talk to Chase Bank ( call must be initiated by Chase ) and if the two fields were not met on transfer and it was placed in wrong account then they would be able to purge account and get our money back. XXXX XXXX also stated that Chase Bank should be able to tell us where our money went. I then spoke with Chase Bank 's Fraud department again and they were unwilling to do anything more because this is not considered fraud but my mistake. They will not give us any information ( originally before claim they gave me the last 4 of account I listed above ). 
I have banked with Chase for 30 years and they are not willing to make a phone call and see if there has been a mistake. 

My husband went to the Chase Bank in XXXX XXXX Utah XX/XX/22 after these unsuccessful phone calls and sat with Bank Manager XXXX He had my husband ( XXXX XXXX XXXX ) request via XXXX a return of money from recipient. He felt there should be further investigation and attempt to get money back. Said he would see what he could do, but first try contacting the person we are thinking it went to ( XXXX XXXX ) just in case it is a simple error. We have done this- again no reply. Not sure she exists. He told us he would contact us and never has. 

I would like to know where our money went ( to whom ). I want Chase to call XXXX XXXX and see if they can find out person 's account it went in and contact them and make it right.
Product: Mortgage

Northern Trust Bank has been reporting me as nit paying my mortgage for 11 months XXXX XXXX. I payed my mortgage on time. 
This is apparently a line of credit but was filed into the courts at XXXX county as a mortgage for {$340000.00}. In XXXX of XXXX Northern Trusts employee XXXX XXXX informed me that my line of credit was up and not being resigned my ex husband. I made arrangements with Mr XXXX to give me an extra 8 to 10 months to sell my house which I put up immediately on the market. During this time a fake buyer was sent to me signed a contract destroyed my house in an inspection ( 10 different inspection at the same time ), now this was a fake inspection and I do have the proof, they damaged my house they never qualified and this heals me up for four months, then I had a terrible back up do to a pipe break and my house was flooded with XXXX! This was an insurance nightmare. Florida XXXX XXXX investigated me for ten months. 

I had already sold the house for {$000.00} profit {$4000.00} not XXXX but close after 34 years of paying on time every month 2 mortgage not one! 

I had a normal closing where all realtors fees had been payed by me! And my attorney too! And any closing costs. This doesnt happen when you are foreclosed on! Or in foreclosure! 
I had a credit score of over 800 as high as XXXX Within the year the Northern started tagging me as delinquent! I wouldnt have know about it if it wasnt for XXXX letting me know my score when down hundreds of points and I had my payments on automatic withdrawal. The closing or my ex husband could have stopped the pay auto but as soon as the bank let me know I had made my payments monthly at my local branch where they know me by name. 

I paid off the mortgage in full had a full closing Northern Trust turned this over to a local attorney, I told him ( XXXX XXXX XXXX ), this man opened 3 different foreclosure cases at the same time!!! 

Three open foreclosures against me on the same day on the same property ( both of these men are involved with someone I know that is trying to annihilate me ). 
I had a fully executed contract with a large down payment!! 
I have just closed the third open foreclosure this month XXXX XXXX! Last XX/XX/XXXX I had to hire a lawyer to close the 2nd foreclosure thats been open in the court records to ruin my name even farther if that is possible. 

I have another mortgage fraud problem that has to do with XXXX XXXX. I need help please I do not want access to my credit by all the mortgage companies I inquiring even though Ive not been looking for a mortgage. 
All insurance companies being able to go into my info! I have never committed insurance fraud but Ive been being almost pursued by XXXX XXXX ( what this guy did can not be legal ), all these kinds of things raise your rates and what kind of rate you are given for health insurance which is way to high for me to have {$810.00} a month for medigap coverage! Thats just not right. I had to turn my lease in 17 months early ( my XXXX ), my car insurance went from XXXX year to being cancelled for bad info bring out into my fill and XXXX reports had all the changes to my records.
Product: Credit reporting or other personal consumer reports

I appreciate you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few accounts that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX and TransUnion credit bureaus to confirm these accounts ( XXXX ). ( A ). I'm confident the contested accounts are settled. XXXX XXXX Balance Owed : {$41.00} ; XXXX  XXXX XXXX Balance Owed : {$300.00} ; XXXX XXXX XXXX XXXX Balance : {$5100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name and personal information has been compromised and attached to an account inwhich I have no knowledge of and definitely do not have a contract with. No contract with whatsoever. For that reason I'm asking that the following credit agencies, Transunion, XXXX, and XXXX  remove the following account from my credit report, ( 1 ) XXXX XXXX {$10000.00}. In accordance with the FCRA please remove this account, or deliver me some type of physical documentation verifying this account, certified.
Product: Checking or savings account

NetSpend restricted my account after enrolling debit card without my permission and even so I have agreed to pay it but they or telling me that my social security number or security question etc is not enough I've been on the phone with different agent even supervisors all Day they've pretty much robbed me
Product: Debt collection

Since XXXX 2010, PORTFOLIO RECOVERY - a debt collector company, continues to place on my Credit File with XXXX and XXXX. I will dispute the debt, requesting validation of the alleged debt ( or the name of the Creditor they are attempting to collect the debt ) and PORTFOLOIO RECOVERY will delete from my Credit Files, then two months later they will placed the alleged debt back on my Credit Files. I have sent numerous letters via Certified Letters requesting validation of the alleged debt and to date, no response. A clear violations of the FCRA and Federal Debt Collection Act.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report, mine was under reference # XXXX and # XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and fraudulent inquiries which were being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered all of these different accounts with high amounts. I'm requesting that you reinvestigate these accounts the correct way.