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

TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXXeeds Attention Last reported : XX/XX/XXXX {$9700.00} XXXX Days Late XXXX XXXX Last reported : XX/XX/XXXX {$5000.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX {$4900.00} GoodThe items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit card

XX/XX/year> I recieved email saying I have a " Equifax Data Breach Settlement Additional Pro Rata Payment '' for {$22.00} XX/XX/year> I got email with card info. I activated card. Website said I can only use it on websites. 

I tried to use it at XXXX online. Denied. Tried to use it at XXXX online. Denied. Tried to add to XXXX XXXX. Denied. 

All attempted payments were less than {$20.00}. 

XX/XX/year> called card customer service who told me there is a an automatic blocking of card whenever " bad charges happen ''. I said I used at legitimate sites, asked how to prevent this auto denial? He said " be more intentional entering numbers ''. 

All numbers were entered correctly each time. Intentions make no difference when entering card numbers. 

Customer service said they'll send an unblocked card link in XXXX min. 

It has been over XXXX hrs and no unblocked card link, nor is it in my junk mail folder. 

My friend who has a Equifax Data Breach Settlement Additional XXXX XXXX XXXX card also has their card denied.
Product: Checking or savings account

On XX/XX/XXXX I opened a savings account with Citibank, depositing {$15000.00}. This account was opened in response to a promotion ( Citibank Account Package ) that required that I also open a checking account, which I did. The terms of the promotion required that the minimum deposit ( {$15000.00} ) be held in either of the accounts for 60 days, at which time it would earn a bonus of {$400.00}. I followed all of the requirements of the promotion, but to date the {$400.00} bonus has not been credited to me. The exact terms of the bonus state " The Cash Bonus will be credited within 90 calendar days from the date you complete all Required Activities. '' The 60 day and 90 day requirements have passed, but no payment has been made. I have called Citibank twice ( XX/XX/XXXX and XX/XX/XXXX ) for clarification. On both calls I was passed from one department to another, only to have the call disconnected without any resolution. 

My husband has had the same experience with the bank ( he will be filing a separate complaint with you ), and the dozens of complaints written up by other customers at this site : XXXX XXXX XXXX  indicate that this reluctance to follow through on promises is widespread with the bank. 

I will attach a copy of the Terms and Conditions for the promotion ( which Citibank appears to still offer ) below.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : # XXXX XXXXt # XXXX has violated my rights. ( XXXX ) Account name : XXXX XXXX XXXX  Account # XXXX has violated my rights ( XXXX ) Account name : XXXX Account XXXX XXXX has violated my rights ( XXXX, Equifax, XXXX ) Account name : XXXX XXXX Account # XXXX has violated my rights ( XXXX ) Account name : XXXX XXXX Account XXXX XXXX has violated my rights ( XXXX ) Account name : XXXX XXXX XXXX Account # XXXX has violated my rights ( XXXX ) Account name : XXXX XXXX XXXX  Account # XXXX has violated my rights ( XXXX, XXXX ) Account name XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX has violated my rights ( XXXX ) Account name : XXXX XXXXXXXX Account # XXXX has violated my rights ( XXXX ) Account name : XXXX XXXX Account # XXXX has violated my rights ( XXXX ) Account name : XXXX XXXX XXXX Account XXXX XXXX has violated my rights ( XXXX ) Account name : XXXX XXXX XXXX Account # XXXX has violated my rights ( XXXX ) Account name : XXXX XXXX Account # XXXX has violated my rights ( XXXX, Equifax, XXXX ) Account name : XXXX XXXX XXXX Account # XXXX has violated my rights ( XXXX, Equifax, XXXX ) Account Name : XXXXXXXX XXXX Account # XXXX has violated my rights ( Equifax, XXXX ) Account name : XXXXXXXX XXXX XXXX Account # XXXX has violated my rights ( Equifax ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to to work with Equifax to have fraudulent student loans removed from my report to no avail. On or around XX/XX/XXXX, i reached out to Equifax to inform them of fraudulent student loans which are appearing on my credit file. They still have not removed the items.
Product: Mortgage

I have been trying to refinance and XXXX is sending a notification to XXXX XXXX that there is a " Credit Enhancement '' and I am getting declined. I have tried to get this resolved with XXXX for over 2 months now. They have confirmed that there isn't a " Credit enhancement '' but aren't able to get it removed from my loan. They sent a dispute to the credit bureau but it isn't on my actual credit report it is getting sent directly from them to XXXX XXXX. 
Last year, I was contacted by them to see if I wanted to go into Forbearance. I was promised that there would never be any negative impacts. Just to be safe I chose to do it but I was never even late on any payments throughout the whole time. If this is what is causing me to get declined for my refinance I feel like I was lied to. 
I have contacted XXXX multiple times, I have been hung up and promised calls back and haven't been able to figure this out. It has been over two months and now the rates have gone up and I am still trying to get my house refinanced so I am really frustrated with how they handled this. Nobody can seem to get this off of my current loan or tell me why it is there and it is costing me literally hundreds of dollars a month!
Product: Money transfer, virtual currency, or money service

XXXX transfer through Chase bank Date XX/XX/2022 XXXX PAYMENT TO XXXX XXXX XXXX debit - {$200.00} XXXX PAYMENT TO XXXX XXXX XXXX debit - {$300.00} XXXX PAYMENT TO XXXX XXXX XXXX debit - {$45.00} XXXX PAYMENT TO XXXX XXXX XXXX debit - {$50.00} The XXXX recipients were claiming to be someone else I have contacted Chase bank to see if they can stop payment or refund the payment transfers I also have a transaction through XXXX XXXX that I am in the process of disputing with XXXX XXXX : POS DEBIT XXXX XXXX XXXXXXXX XXXX TX Misc. debit - {$200.00} I am looking for Chase to ref
Product: Credit reporting or other personal consumer reports

XXXX ran credit inquiries using my personal information. Someone stole my information to purchase a XXXX XXXX at XXXX XXXX XXXX XXXX 

I sent the following letters to XXXX and capital one : Please remove capital one 's inquiry from all credit bureaus. I never authorized these inquiries nor did I apply or any loans. 

full name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX said his manager will call me back within 48 hours It has been over a week and there has been no action taken to stop the inquiries on my credit report. I just received report of inquiries on XX/XX/XXXX and XX/XX/XXXX that I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Credit Reporting Bureau Under the Fair Credit Reporting Act The information contained within my credit report can nto eb accessed without my express written consent. I am seeing hard credit hits from the dollowing comapnys, please be advised that this si a violation of possible federal or privacy laws and I am demanding that you remove this information immediately. 
All of these individuals have already been contacted once and I have contacted your organization on ultiple occasions in reference to the accuracy of the report that I had never asked you to publisha dn I never asked to be a participant in your systems. 
I am offering you one final opportunity to remove these items and if this is not done within 15 days a lawsuit will be initiated. 

In addition the specific references to the student loans must immediately be removed as they are under dispute. Your organization is REQUIRED to INVESTIGATE the contents that are reported onto a credit reported, once again it is obvious that this has not happened because you have been delivered ifnromation in reference to the fact that several tens of thousands of dollars of the student loans have been discharged iun bankruptacy. I have been patient and professional and your organization has continually ignored this informationa dn reporte the nature and amount of the student loans. The ifnroamton that is being published is inaccurate even after it was removed at least once. To place ifnromatin back onto a credit eport after it was removed is absolutely an issue. 
You are hearby ordered to remove the enclosed inquires as I have no information nor do I believe these matters to be valid. In addition I am ordering you to immediately and forever remove the mentions of any student loans. 

Sincerely, XXXX XXXX XXXX XXXX Distribution List : XXXX/ XXXX Iquiry Date Removal Date XX/XX/XXXX XX/XX/XXXX Busienss Type : All Banks Non Specific Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX XXXX Inquiry Name : XXXX Inquiary Date XX/XX/XXXX. XXXX Removal XX/XX/XXXX This is an item that is for XXXX XXXX XXXX XXXX, XXXX. so this should show up on their XXXX XXXX   XXXX not on my personal Credit Account. 


XXXX XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX. XXXX XXXX XXXX OH XXXX XXXX XXXX  XXXX  INQUIRY DATE : XXXX. XXXX  XXXX XXXX OR XXXX XXXX XXXX / XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks Non Specific XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX REMOVAL DATE XX/XX/XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX Here 's the problem with my credit bureaus they have completely ignored the fact that the Student Loans thata re reported are discharged by FEDERAL COURT ORDER and there is a FEDERAL INJUNCTION AGAINST COLLECTION on the loans by the CFRB
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not accurate
Product: Money transfer, virtual currency, or money service

In XX/XX/2023, I fell victim to two multi-layered scam operations run by a group of people who presented themselves as an employee of XXXX, an FTC officer ( XXXX ), and also a XXXX officer ( XXXX ), which involved me making deposits for a total amount of XXXXXXXX XXXX from my Chase Bank account to their bank account.
Product: Checking or savings account

Lost my debit card XX/XX/22 Reported it stolen to chime. Lost over XXXX dollars in unauthorized transactions. They denied my dispute.
Product: Checking or savings account

Bank of America froze my account and told me I couldn't transact on it anymore, despite having outstanding pending transactions, then proceeded to process the items on my account causing it to go negative and then charging me {$35.00} per item for a total of {$170.00}. The bank will not refund the fees nor provide me with an explanation for the closure.
Product: Credit reporting or other personal consumer reports

These inquiries were unauthorized and I am a victim of identity theft. 
XXXX XXXX XXXX XX/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 XXXXXX/XX/XXXX
Product: Checking or savings account

I withdrew {$5000.00} from Wells Fargo atm on XX/XX/year>XXXX  because I thought my account was being hacked/ lost access starting from a scam call. Ten minutes later once I realized it was a scam, I deposited the money back into the account with the same card used to withdraw. The funds did not go back into my account. I filed a claim twice and Wells Fargo did nothing to explain or fix the problem.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I have been trying to get my full credit file from Lexisnexis since at least XX/XX/year>. I have sent them requests my certified mail as well as electronically on their website to order your credit report. In each of these requests I included all my personal information including my SSN and DOB as well as a Driver License and a bill with my address. Each time I try to order it which has been at least 6 I am sent a letter saying that Lexis Nexis is unable to verify my identity and then send me through the same steps and just give me the runaround I have sent everything they have requested and I have still been unable to order my report. I am a victim of XXXX XXXX and need to monitor my credit to make sure my life is safe. I will attempt this one last time before I am going to be forced to take judicial action in order to get my credit report. I am including a copy of my DL and a recent bill as well as my documents as a victim of XXXX XXXX  to verify my identity and for my block. Ive sent every other time as well but hoping for a good result from this request. 
Thanks
Product: Credit reporting or other personal consumer reports

An account for UPLIFT was opened in my name, using my bank account and personal identification information. I first was made aware by the bank, then later discovered several accounts that were opened with my name. One of the accounts was UPLIFT which was reported on XXXX XXXX and possibly XXXX. I then made a new police report to include all information I had about the account and submitted that along with the identity theft affidavit provided by uplift. I have been calling and leaving voicemails and emailing to be able to speak with a human with no response from Uplift. However, the company continues to respond to the credit bureaus by updating the fraudulent account to show a XXXX balance which was paid once the bank finished their fraud investigation and refunded me for fraudulent activity. 

Uplift will not work with me to resolve this complaint. The company continues to report false information even after I did everything they asked me to do to resolve it. The company is negligent and it appears that further legal action is required to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus 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 Balance : {$27000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont recognize those inquiries : 1- XXXX XXXX XXXX ( National credit card/Airlines ) on XX/XX/XXXX. 

2- XXXX XXXX on XX/XX/XXXX. 

3- XXXX on XX/XX/XXXX. 

4- XXXX on XX/XX/XXXX. 

5 XXXXXXXX XX/XX/XXXX.
Product: Credit card

XXXX XXXX. Recieved an unsolicited text from XXXX XXXX, they convinced me to do a call where they promised me 3-5 live connections a week with potential real estate buyers. I have never received a single one. I get prompts for buyers in New York. I live in and practice real estate in Utah. The company will not resolve the issue. I filed a dispute with the credit card company. They sided with XXXX XXXX, due to the terms and conditions that states, section 3 Our Responsibilities : Provision of Services. XXXX will provide members with leads at set schedules discretion based on availability. So basically they can do absolutly nothing and still claim they can keep the {$1200.00} I paid them. This is a scam! They can simply say there are no available leads and keep the money. American Express should not be helping scammers to steal money from their clients. They have not provided proof that there are no available leads in my area.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX partial account numbers XXXX and reporting incorrectly that I am ( 30 ) days late on partial account numbers XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

I.Q Data XXXX XXXX XXXX. 
Has been threatening me over a debt that is down fraudulently by someone pretending to me and my dad that stole our personal information and rented an apartment at a complex in XXXX XXXX CA. 

They will not stop pursuing us even though the debt is not mine or my dads XXXX XXXX. 

Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Credit Bureau must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am submitting to follow up on my previous dispute concerning the fraudulent items present on my credit reports. Upon reviewing my updated credit file, I have noted that the items in question persist, despite my earlier dispute. Additionally, I have not received any supporting documentation from the credit bureaus substantiating the legitimacy of these items. Consequently, I am urging for the immediate update of these items in accordance with Section 605b of the Fair Credit Reporting Act ( FCRA ). As stipulated in FCRA Section 605b, credit bureaus are obligated to expeditiously rectify any inaccurate, incomplete, or unverifiable information from an individual 's credit file. I have provided evidence supporting my assertion that these items are fraudulent and do not accurately reflect my credit history. It is disconcerting that the credit bureaus have not furnished any supporting documents to counter my claim : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$21000.00} TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I respectfully request a thorough investigation into this matter and the expeditious removal of these fraudulent items from my credit file. Furthermore, I request that you provide me with any supporting documents you have received regarding these items, as mandated by FCRA Section 609. Enclosed is a copy of my credit report, highlighting the fraudulent items in question, along with any additional supporting documentation that may facilitate your investigation.
Product: Checking or savings account

I had someone break into my account and steal everything. I filled out a fraud form and the bank said it would take 10 business days to investigate. i am on business day XXXX, I still have no access, no money and when I call, I get XXXX help. I live paycheck to paycheck and have had to max out credit cards and borrow money because I can not get into my account.