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

Someone used my identity without my consent or knowledgement in XXXX Florida which I have never been a resident in the state of Florida. I contacted each collection and I was told that these accounts were opened in XXXX XXXX FL, which I never reside at. I have lived in Texas since XX/XX/XXXX, XXXXThese appear on my three bureau 's it shows multiple Collection account 's with : I HAVE PLACED A FRAUD ALERT AND A FREEZ ON XXXX, XXXX, XXXX XXXX XXXX LVNV FUNDING LLC / CARE OF RESURGENT CAPITAL SERVICES L.P . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX of account number is XXXX Date Opened XX/XX/year> XXXX {$630.00} XXXX. LVNV FUNDING LLC / XXXX RESURGENT CAPITAL SERVICES L.P . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$490.00} XXXX. LVNV FUNDING LLC / XXXX RESURGENT CAPITAL SERVICES L.P XXXX XXXX XXXX XXXX SC XXXX XXXX Last XXXX of account number XXXX Date Opened XX/XX/year> Amount {$530.00} XXXX. LVNV FUNDING LLC / XXXX RESURGENT CAPITAL SERVICES L.P XXXX XXXX XXXX XXXX SC XXXX XXXX Last XXXX of account number is XXXX Date Opened XX/XX/year> Amount {$390.00} XXXX. LVNV FUNDING LLC / XXXX RESURGENT CAPITAL SERVICES L.P XXXX XXXX XXXX XXXX SC XXXX XXXX Last XXXX of account number XXXX Date Opened XX/XX/year> Amount {$490.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$250.00}
Product: Credit card or prepaid card

The accounts annual renewal came due. I have not used the card in a year and thought I continued to have a XXXX balance. The past due payment of {$40.00} was due XX/XX/XXXX as of today XX/XX/XXXX Chase closed the account with no phone call to collect the money and no letter. I have been an outstanding and loyal customer with a {$24000.00} credit limit. This is unfair and deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection on this XXXX XXXX** for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Credit reporting or other personal consumer reports

By law 15 USC 1681 and 1692 ( b ) can not published any item on key consumers credit report with my written consent and permission. Please delete.

looking {$1000.00} per violation remedy Per law 15 USC. 1681 & 1692 clearly states XXXX, XXXX and XXXX must delete these items from Credit report immediately. 
Thanks
Product: Credit card or prepaid card

I made a claim in XX/XX/XXXX because I found out I didn't have money on my EDD Bank of America debit card. I downloaded the app Bank of America prepaid. I found out that someone stole from me. The dates were XX/XX/XXXX, Amount XXXX, XX/XX/XXXX, Amount XXXX XX/XX/XXXX, Amount XXXX XX/XX/XXXX, Amount XXXX XX/XX/XXXX, Amount XXXX XX/XX/XXXX, Amount XXXX XX/XX/XXXX, Amount XXXX XX/XX/XXXX, Amount XXXX XX/XX/XXXX, Amount XXXX XX/XX/XXXX, Amount XXXX XX/XX/XXXX, Amount XXXX XX/XX/XXXX, Amount XXXX. They told me it will take 45 business days. I received a letter on XX/XX/XXXX that my account was frozen. I called them again in XXXX, XXXX for an update on my claim. They told me that it was close, so I reopened the claim. On XX/XX/XXXX I received another letter telling me they closed my account again, I reopened it. On XX/XX/XXXX I received another letter telling me they consider my dispute closed, if I want copies of the documents they relied on to reach their decision and, if I have any questions, to call them. I gave them a call and they told me they can't do anything for me because I reopened it twice and that they're sorry. I ask for the copies and documents they relied on. They told me the only thing she can do is put in a request for the copies and that they're going to contact me. I haven't heard from them after that. I believe they didn't look into my claim at all.
Product: Credit reporting

tried to talk to someone on the phone because I paid for my credit score but it was never sent.
Product: Debt collection

I recently rented an apartment back in XXXX of last year. I followed all the necessary procedures when moving out an apartment. I sent over a 30 day notice to the apartment complex stating the day I would be out. The property manager agreed to provide me with a break down of the charges I owed upon departure of the unit. I was informed I would receive a bill in 30 days. Well 30 days went buy no bill indicating I owe " move out charges ''. I contacted the property manager on several attempts to validate this debt. No response. A month later I received a letter from a debt collector. Stating I owe the apartment unit {$210.00} ''. Move out charges. I spoke with a individual explaining the issue as to why I dont owe this debt. The property manager refused to complete a exit walkthrough upon returning the keys. I was advised to leave keys in mailbox. I explained this too the credit company. How can I be charged for a debt that I was never provided a copy of showing the break down of the charges. I asked to dispute this information and was told to contact the supervisor. I spoke with the supervisor XXXX XXXX with the debt collection agency. He would not allow me to dispute the debt. He informed me the debt was unable to be reported to my credit file due to non response from the property manager. However he stated I still need to pay this debt. How is this possible? If the debt can not be validated through the original creditor how can he say I still owe the debt. However he explained to me the debt is not eligible to reported to my file. I asked for something in writing stating this debt will not be reported to my credit report. He said " No '' calls are recorded for monitoring and its listed in your file.. please help me Ps '' I have attached also the information from the debt company showing the break down charges. I explained to Mr XXXX if he looked closely my signature is provided for the walk throug when I first got my keys. No signature is provided showing I agree to the move out fee '' I did not sign. Reason being no move out notice was provided in 30 days. As stated by property manager. Emails attached verifying that information. It clearly states if you agree to move out charges please sign. I was never provided a copy by original creditor. The debt collection company provided me with this information. However refused to open a dispute. I was advised to contact XXXX XXXX manager. He just argued with me made excuses for the property manager and stated he was a ex property manager. Not willing to understand the situation. I have provided documents showing I reached out to property manager for breakdown of charges to prevent further issues. However no response was provided. Please see attachments were I reached out to property manager in regard to this debt. No response at all.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of several fraudulent accounts listed on my credit report. These accounts were opened without my knowledge or consent and do not represent any authorized activity on my part. I have taken extensive steps to address this issue with the institutions involved, and they have confirmed that these accounts are fraudulent. The institutions holding these accounts have agreed to delete them from their records and support this claim with an FTC Identity Theft Report, which I have enclosed as additional documentation. This report verifies that these accounts were opened under fraudulent circumstances and should be immediately removed from my credit file under the protections offered by the Fair Credit Reporting Act ( FCRA ). The continued presence of these fraudulent accounts on my credit report is causing me substantial harm, as it misrepresents my creditworthiness and affects my ability to obtain necessary financial services. Given that the institutions in question have agreed to delete these accounts, I respectfully request that the credit bureau promptly updates my report to reflect these removals. 



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

This is my another endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

Macy 's Fraud Investigation Dept. wrote me to say : They received a fraud account claim I made and closed an account at my request.

They also said they are looking into the account I said was not mine. I have never said any such claim to Macy 's. They have not contacted me nor have I contacted regarding these statements. This action on their part is deceptive and is a defamation of my character.
Product: Debt collection

I received correspondence re a debt which is not valid since it was paid off to the original creditor in 2015. I called the company and advised them that the debt was not valid and that it had already been paid and asked them to STOP calling me or sending me correspondence because it was not valid. To the contraire of my request, they continue the calls and messages and have not provided proof of debt validation as I asked them to confirm with the original creditor that it was paid off.
Product: Credit reporting

I have an account that was opened fraudulantly. I have been disputing this several times and it has finally been proven that the macys account that was opened in my name was due to identity theft. However XXXX and equifax will not remove it from my report. I keep calling on this and keep being told it is under investigation. I spend hours and days on this calling XXXX and equifax and just keep being told it 's under investigation. I explained to both of them that transunion has finally removed it but was told these credit reporting agency 's do not work together. That makes no sense to me because I just received a letter from experian informing me that I have been a victim of identity theft and they were notified from the other credit beaurous and they are putting a 7 year fraud victim alert on my report. My question is if I am being told they do not communicate then why did I receive this letter?
Product: Checking or savings account

On XX/XX/XXXX, I deposited an unemployment check issued by the State of Texas- State Comptroller of Public Accounts into my Citibank account ( XXXX ) using the mobile deposit service. Prior to this deposit, my account had available funds that were fully accessible and not contingent on the check deposit. 

After depositing the check, I was notified that the funds would be available by XX/XX/XXXX. However, when I attempted to login to my account on XX/XX/XXXX, my online account access was restricted. When I contacted Citibank, I was told my account was under review and would be unrestricted within XXXX hours. At the time the rep asked me details about the check. ( who the check was from and how did I receive the check ) On XX/XX/XXXX, I received an email stating that my account was being closed due to an alleged violation of Citibanks Terms of Service. No specific details were provided about the alleged violation. Citibank also informed me that a refund check for any available funds would be issued within 60 days. 

Citibanks decision to close my account suggests that the bank failed to properly verify the legitimacy of the check I deposited. If the check had been verified, it would have been confirmed as legitimate, and this situation could have been avoided. 

The funds in my account prior to the check deposit were already available and should not have been frozen or withheld. 

Citibank did not provide advance notice of the account closure or offer an alternative solution to access my funds. 

I have pending payments for rent, utilities, and other essential expenses that were scheduled to post to my account. Because Citibank has closed my account and is withholding my funds, these payments may be returned, resulting in late fees, penalties, and potential eviction.

Additionally, there are no Citibank branches in my area, making it impossible to resolve this issue in person. I am under immense financial and emotional strain due to Citibanks actions.
Product: Vehicle loan or lease

In XX/XX/XXXX, my late boyfriend, XXXX XXXX, convinced me to take out a car loan due to my high credit score, assuring me he would handle all the payments. Regretting this decision, I avoided going to the dealership, hoping my absence would prevent the purchase from being finalized so I could return the check to Navy Federal. However, XXXX came back with the car, claiming he was authorized to sign the documents as the co-applicant. 

After his passing in XX/XX/XXXX, I contacted Navy Federal to inform them of his death and found out that my name was on the title, despite never visiting the dealership or DMV. Realizing the documents must have been forged, I obtained copies of the title application and bill of sale and discovered they had also been notarized without my consent. Although I initially signed the front of the auto loan check under pressure from XXXX, I did not sign the back or any of the car documents. I am attaching the front and back of the auto loan check, along with the title application, bill of sale, and signatures from checks I signed during the same period, for your reference. These documents clearly show the discrepancies between my genuine signatures and those on the forged documents. 

I filed a Declaration of Forgery/Fraud Claim with Navy Federal , but they denied it based on my payment history instead of addressing the forgery. The decision should have focused on the forgery itself. Despite multiple requests for documentation and evidence supporting their decision, Navy Federal provided minimal information, making it difficult to proceed with the appeal process. 

The car is currently unaccounted for. The last known location was when XXXX drove it to his mom 's house in Idaho. However, she didn't want it in her driveway, so a family member moved it to a XXXX parking lot in XXXX. Since I no longer speak to his family, I do not know if the car is still there or if it has been moved again. 

If it weren't for these forged documents, XXXX wouldn't have been able to get the car, and I wouldn't be in this situation. I never wanted the car, and multiple people can attest to this.
Product: Debt collection

15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except Rule 46. Objecting to a Ruling or Order Primary tabs A formal exception to a ruling or order is unnecessary. When the ruling or order is requested or made, a party need only state the action that it wants the court to take or objects to, along with the grounds for the request or objection. Failing to object does not prejudice a party who had no opportunity to do so when the ruling or order was made.

When the SEC seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial. 

SEC v. XXXX, XXXX XXXX ___ ( 2024 )
Product: Debt collection

I was opening old mail and found a letter from XXXX XXXX XXXX XXXX dated back to XX/XX/2020, informing me that I owe a debt. The creditor is PROVIDIAN BANK for {$470.00}. I do not recall any memory of that bank or the debt. Because I opened the letter on XX/XX/2020, I did not take any action but this claim. 

The following are parts of the letter : " This letter is to serve as our final correspondence for the account mentioned above which has been transferred and assigned to this office. '' " This payment is due in our office no later than XX/XX/2020 '' " Failure to do so may result in your account being sent to a 3rd party to continue collection efforts. '' " Sincerely, XXXX XXXX Director of Operations ''
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I noticed a hard inquiry on my credit report from Capital One dated XX/XX/XXXX. I have no accounts with Capital One and made no attempt to open an account with them, leading me to believe this inquiry was fraudulent. 

On XX/XX/XXXX, I contacted Capital One. They indicated that my identity did not correlate with any open accounts and were unable to provide any further information because there were no open accounts. In order to investigate further, they indicated I needed to first contact and resolve cases with each of the three credit bureaus. 

Also on XX/XX/XXXX, I contacted each of the credit bureaus. I opened a case with XXXX ( confirmation number XXXX ). XXXX required that I provide a police or FTC report to dispute the case. XXXX was not open because XX/XX/XXXX is a Saturday and they are regularly closed on weekends.
Product: Mortgage

MyLoanCare held our mortgage loan since we purchased our home over five years ago. We noticed this weekend our mortgage for the past two months had not been deducting. We contacted MyLoanCare only to be told that XX/XX/2019 ( 2 days before our mortgage was set to auto pay ) they transferred our loan to a company called XXXX without notifying us of any changes. This put us two months PAST DUE.  How is it possible that these companies can make these changes with no phone call, no email, nothing? Seems remarkably fishy.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, in the afternoon, I logged in to my Citibank account two check my business account. Since I also have a checking account with them, I was wondering if I could link my accounts. Because I was able to do that with other banks. To find out how to connect my account so that I have access all at once. I tried to contact Citibank. Online chatting was one of the options. I clicked on the chat link, but I was still logged in to my account. The chat was an automated response therefore, it gave me some instructions which were not helpful, Then, The automated response system offered me to speak to chat with a representative. Within two minutes, a person ( at least what I thought to be ) started after I explained to him that I needed to link my business and personal accounts, he stated that he would guide me to do that. Immediately called me on my phone. He immediately said to me, " I am XXXX employee number XXXX from Citibank. we were chatting about linking your checking account with your business account " XXXX '' and I will help you to do that. '' He asked me if he needed to verify if I am a real client and asked me for my debit card number. I told him I don't have it. Because I suspected that wouldn't be needed to achieve this. However, he said I have it and I will read it to you. And he started reading numbers and ask me to type them. At this point, he already got access, within a few seconds, I started receiving text messages on my phone stating that I transferred {$2400.00} to XXXX XXXX with a XXXX account. Immediately shut down my computer and called Citibank to stop the transactions. Out of the XXXX transactions, one went through which is for the maximum amount that they could transfer. The other two asked for my confirmation. Citibank assured me that they will investigate and help me to get the refund. However, Citibank has denied the claim. I filed an appeal and was denied again. The incident was reported to a local XXXX and copy was faxed to the Citibank dispute unit.
Product: Checking or savings account

Have tried on multiple occasions to close my account, the latest being XXXX XXXX when again I went in personally with the PNC Bank Branch manager and asked the account be closed. I was told it would take XXXX. On XXXX XXXX ( *7 days later ) a charge came in and instead of refusing it, they paid it then charged me for an overdraft and then tacked on the banks monthly account fee XX/XX/XXXX. When I went in today to complain, I was told they should have given me a letter showing the account had been closed. This is the second time I have had serious problems with this bank. They messed up my mortgage so bad it took almost 4 months to straighten it out. This bank needs to be investigated for fraudulent bank practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

Back in  XXXX  of    2010 I filed a  Chapter  XXXX  Bankruptcy it was discharged in  XXXX  o f 2010 for s ome reason my Regions Mortgage was not reaffirmed. Since then they refuse to report my loan to any of the credit bureaus. My payment book comes in the name of my wife and myself, I 'm listed on the mortgage account on the warranty and security deed as well as the note.   I call Regions mortgage and get a plethora of misinformation as to why they wo n't help me in any way. They portfolio my loan and have denied me a loan modification, HARP loan and even a hardship.   I do everything I am supposed to make my payment on time every time and they continue to deny me the ability to refinance or reduce my 5.25 % 30 year fixed rate mortgage.
Product: Credit reporting or other personal consumer reports

Unauthorized use of my credit without my consent, resulting in multiple hard inquiries on my credit report.