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

Ongoing Negligence by Credit Bureaus and Impact of Identity Theft I have been a victim of identity theft since 2018, and despite taking numerous actions over the years to address fraudulent accounts on my credit report, the XXXX XXXX  credit bureausXXXX Equifax, and XXXXhave failed to correct these errors. 

Actions Taken by Me : I have repeatedly disputed the fraudulent accounts with all three credit bureaus, providing supporting documentation each time. 
Despite my efforts, the credit bureaus have relied solely on their automated E-OSCAR system to process disputes, rather than conducting a proper human investigation as required by law. 
The results of these disputes have consistently come back as " verified, '' which is false and demonstrates their failure to perform a thorough investigation. 
Negligence by Credit Bureaus : The credit bureaus have not fulfilled their legal obligation to investigate disputes properly under the Fair Credit Reporting Act ( FCRA ). 
They have also sent my personal information overseas to countries like XXXX and the XXXX, which raises serious concerns about data security and contributes to the growing issue of identity theft. 
Data Breaches and Their Impact : In addition to being a victim of identity theft, I recently discovered that my personal information was impacted by a data breach at Equifax. 
Furthermore, XXXX XXXX leaked my data, compounding the damage caused by these breaches. 
Personal and Financial Impact : The negligence of the credit bureaus and the mishandling of my personal information have caused significant harm to my life, including : Severe financial burdens. 
Defamation of character. 
Inability to purchase a home for myself and my children, as I am a single father. 
Emotional distress and damage to my livelihood. 
Demands : I am demanding the immediate deletion of all fraudulent accounts from my credit report. Additionally, I believe I am entitled to compensation for the negligence and harm caused by the credit bureaus ' failure to act responsibly.
Product: Money transfer, virtual currency, or money service

This is a follow-up to the pervious claim submitted, complaint ID XXXX. To summarize the previous claim : I was scammed by a perpetrator on XXXX XXXX and lost {$2000.00}. Money transfer was made through XXXX ( Chase Bank ) and I had notified both Chase and local police department about the fraud on the same night ( XXXX ). Chase representative was uncooperative to attempt to resolve the matter, even when I had presented critical clues to potentially solve the case ( perpetrator 's alleged Chase bank information ) and visited in person. In fact, the representative immediately closed the case and complaint without my knowing. 

Chase Executive Office responded back to the previous claim, but without appropriately addressing the main issue -- uncooperative/unsupportive treatment by Chase representative XXXX I called the Executive office phone number listed under the response letter. I was notified that the officer in charge is out of office, so left a voicemail that I'd like to discuss the response when available ( XX/XX/2022 ). I got no call back after waiting for a week. I called again, notified that the officer is out of office, and left a same voicemail ( XX/XX/2022 ). I haven't heard back from them. This is not how a customer should be treated in such a serious situation ; being ignored, not taken seriously, only given a cursory response.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These hard inquiries are the results of identity theft and fraud.
Product: Credit card

My Apple Card was restricted, before that I had made a purchase, and I authorized that it was me, it was still restricted. 

the email associated with the apple card is : XXXX and the last XXXX digits the card XXXX and the last XXXX digits of my social security XXXX
Product: Debt collection

I initiated a dispute with the company ProCollect , Inc on XX/XX/XXXX about the validity of debt and then about settling the debt and getting it removed off my credit reports on XX/XX/XXXX to no avail. I've tried to email and get ahold of a Mr. XXXX but I'm not having any luck. It is now XX/XX/XXXX and I'm still not getting anywhere with this company. I've mailed out a dispute letter 3 weeks ago to settle this debt and no response from this company. I want this account removed from my credit reports now! They agreed to remove the account after several disputes and complaints last year yet the account is still reporting. The account # is XXXX. I attempted to call a Ms. XXXX at the number XXXX ext. XXXX on XX/XX/XXXX but I didn't get a chance to speak to anyone. I called the customer service number and asked to be transferred with Ms. XXXX and the call was dropped. I want this account removed from all credit reporting agencies and I need something in writing stating they will remove the account. Thank you!
Product: Mortgage

Unable to access mortgage account online. On XX/XX/19 called customer service, spoke with them and tech support twice. After I ended first call and was able to access online account, I was still unable to access " mortgage statements. '' Online system showed that it could not verify me, and wanted to send an access code. I never received the access code. This prompted my second call. I was told my mobile phone ( which had been added to the mortgage account, with a text received that indicated my cell was added ) is ineligible to be added to my mortgage account because it is a company phone. Note : I pay my company for personal usage, and this is my only mobile number. At one point while speaking with the customer service representative I was told I could go to an ATM with a Wells Fargo Debit Card or Credit Card and this was going to make my phone number eligible. 

This seems very suspiciously like a way Wells Fargo is making mortgage clients open credit card and or savings/checking accounts. Which is wrong, very wrong!!
Product: Credit reporting or other personal consumer reports

I HAVE A INQUIRY ON MY REPORT FROM XX/XX/year> AND I HAVE NOT EVER APPLIED FOR A CARD WITH DISCOVER AND IT SHOWS A ACCOUNT WAS CLOSED. I WANT THIS DELETED OFF MY REPORT NOW BECAUSE THIS IS FRAUDULENT AND I DID NOT AUTHORIZE DISCOVER TO ACCESS MY REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I try to get these accounts, correct I remove and the credit bureaus still havent done anything so I ask please to remove these accounts are correct these accounts my credit report should be 100 % accurate because I was never late with my credit card payments
Product: Checking or savings account

I am XXXX XXXX, the XXXX / XXXX of the XXXX XXXX  XXXX XXXX XXXX XXXX in XXXX, Michigan. I have never filed a compliant before with the CFPB but an experience today prompted me to file this one. I view the CFPB as an entity that can make companies that behave in this manner accountable for their actions. 

The company I am writing about is Certegy Check Services , Inc. This company provides check clearing services to many retailers throughout the U.S. Researching this company online, it appears that they do a very poor job of clearing checks which results in credit union members and bank customers having their legitimate checks denied when they attempt to use a check to complete a purchase. Certegy provides a phone number to call, however the phone number does not allow you to access a person to ask them why checks are denied.

Our credit union is starting to see issues with multiple retailers that use Certegy 's services because our member 's checks are being declined. After a search online, it appears that many institutions have this issue. I do not believe it is fair for a company to use incorrect information to deny checks from being used to purchase goods or services.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX. 

I repeat this is XXXX XXXX XXXX, no one else. So Experian stop the third-party mess. 
CFPB, I'm attaching too much information for you not to see it's not me the credit reports that I have attached are mine, not a third party. So review them and remove the identity theft from my credit report. 

I have sent to Experian my XXXX and XXXX credit reports/files that show, I had identity theft on my credit report. For some Experian still has on my credit report and item on my report that was due to identity theft and as you can see from the attachments XXXX and XXXX have removed the item. I have attached the proof that XXXX and XXXX removed the alleged debt from my credit report because it was identity theft. I have also sent a copy of my driver 's license and social. I XXXX XXXX XXXX is requested this no one else and my id can verify who I am. My ask is that unless Experian can send me the original signed documents for the alleged debt and how did they verify the alleged debt since it's identity theft? If they can not please removed it from my credit report/file as XXXX and XXXX have done. 

CFPB can you look into this matter and my next steps will be to seek legal actions
Product: Mortgage

My husband and I sold out home back in  XXXX   XXXX  before selling the home we called the loan servicer several times because we had a loan modification back in  XXXX  and knew there would be more money due so we called the loan servicer to make sure everything would be included in the payoff we asked was there anything else we needed to do before selling the home to the investor the loan servicer said no fast forward  XXXX   XXXX  We now have a debt owed to HUD that will now be sent to the Department of treasury which will grow over {$46000.00} started at {$35000.00} I have spent over a month trying to resolve this and because I signed documents under the impression I would be clear of any debt I have no recourse I called HUD the loan servicer the title company everyone involved and now I will be forced to file bankruptcy I have spent the last 2 years fixing my credit in hopes of buying a new home and it was all for nothing now We did not receive any profits from the sale the buyer had to give us additional funds to close
Product: Checking or savings account

I opened a bank account with Capital One on XX/XX/2020. Upon opening I deposited {$500.00} electronically to this account from my XXXX XXXX  account. I was informed, electronically, that my debit card would be mailed to me. 

On XX/XX/XXXX, I got a fraud alert on my phone alerting my to activity on my account. 

I immediately logged in online to check the account. Someone had taken {$500.00} out of my account at an ATM location in XXXX XXXX, CA. I have location data to prove that I was home working all day. There was also an attempted purchase at XXXX XXXX as well as a check was deposited in my name at the ATM for {$2500.00}. 

After seeing all of this, i immediately called the bank to report fraud. I was on the phone for hours. No one seemed to be able to understand what happened or how it even happened. 

I never received the ATM card in the mail, somehow someone got a hold of it and was able to activate it. Seems there are poor security measures. My account was hijacked due to poor ATM card security by the bank. 

The bank told me on the phone that they were closing my account and I would never be able to open another one with them. They said the activity on the account poses a risk to their company. They cut me off and told me they would make a decision and reach out to me when they have decided. I told them it seemed pretty simple to look at the security cameras at that ATM location to find out who it was as well as work with XXXX XXXX to find the culprit. 

I received a letter in the mail dated XX/XX/2020, but did not receive it until XX/XX/2020 telling me they are denying my claim because they didn't find an error. 

This is completely unacceptable. Through no fault of my own someone was able to hijack my mail and activate my card and steal my money. I don't think so. I will not rest until I get my {$500.00} back and more due to all of the time I have had to spend now trying to get my money back.
Product: Bank account or service

XX/XX/XXXX I received notification that information on my bank accounts were changed - when I called ( XX/XX/XXXX ) I was advised that I need to change my online access and password, after having the escalated to XXXX XXXX ( Fraud ) he indicated that the change occurred because some one internal to Wells Fargo updated my information ( without my knowledge ) that triggered this alert. Stated that I did not want to change my user ID he indicated that he would look at it further and indicated that he would call me back at the end of the day. On XX/XX/XXXX I received a call back from XXXX XXXX - he had indicated that the issue is now that I have been identified as an individual where multiple attempts to access my account have occurred - no further details were provided - I was provided with a case # XXXX and advised hta I would have to get all my accounts replaced - inquired as to why I was not notified of this sooner - he indicated that they tried to contact me - ( advised I have not received an email or call ) it seems that Wells Fargo is the only ones that have issues calling my cell XXXX I receive regular texts from WF on my phone so the story of my cell not working is not accurate, I am also on call 24/7 so my phone does work. There was no valid response as to why I have not been contacted if this was such an urgent matter that needs to be addressed
Product: Credit reporting

I recently reviewed my most recent Transunion. I observed several inquiries that are being displayed that I do n't recall giving the authorization or consent. I have made Transunion aware of this situation is XXXX 2016 and they continue to not conduct a proper investigation. Furthermore, I have informed Transunion that if the inquiries are found to be legitimate to please mail me the documents so that I can determine its validity. Transunion actions are having a negative impact on my credit worthiness and credit score by its failure to comply with the FCRA.
Product: Debt collection

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS CAP ONE AUTO XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form XXXX from CAPITAL ONE AUTO Inc WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT XXXX AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Checking or savings account

In brief : I opened the account, transferred XXXX into it, then XXXX locked my account, claimed " can not verify my identity '' when I call to unlock. 

XX/XX/XXXX, open XXXX account and transfer XXXX from XXXX to XXXX. 
XX/XX/XXXX evening, transfer XXXX from XXXX to Marcus. 
XX/XX/XXXX morning, account locked. Tried to call to unlock, Marcus said can not send one-time pin because my number is not under my name ( which is not true ) and refuse. Made some other calls to force close the account, same result. They mentioned they can try with my driver 's license, but I don't have one ; they never ask for driver 's license when opening account. 

It is too ridiculous that they did not mention any problem with my phone or driver 's license when opening the account, but ask for them to verify my identity. There should be many other ways to verify that like using email, address or linked account. I just want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday I discovered multiple transactions on my XXXX XXXX XXXX XXXX account which has been paid off since XX/XX/2021 with XXXX  XXXX now XXXX. I have spent over 8.5 hours on hold, in the branch, been transferred several times, disconnected and lost a full day of work and I am the only one employed right now in my family. All the transactions done are as follows : XX/XX/XXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXX  {$10000.00} XX/XX/XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX {$10000.00} Total {$60000.00} Then on XX/XX/XXXX an advance via the web at XXXX to XXXX ending XXXX for {$96000.00}. Now the total outstanding amount is {$150000.00} all of which is fraud. None of these transactions were done by me or my husband and none alerts or anything transpired. 

I have visited my local branch and I have been working with XXXX XXXX XXXX XXXX and the branch XXXX XXXX. There has been an escalation but still nobody has been able to help. I am in the middle of a commercial refinance on a building I own in New York and this has a major impact on my credit. I need help in resolving this matter. 

I can be reached at XXXX Regards, XXXX XXXX
Product: Checking or savings account

1. I made a Marcus account on XX/XX/2024 with my personal information, including SSN.

2. I deposited money into the account right after I made a new account and I had no problems accessing my account.

3. Few weeks later, I tried to access my account but I couldn't access it without any explanation and they just told me to contact customer service.

4. I called their customer service more than 20 times to find out what's the problem but nobody every explained clearly and they kept saying I had an identification issue.

5. I I gave them all the information to prove my identity, but they did not allow me to access my account until the end.

6. On XX/XX/XXXX, after calling them about 30 times, they asked me to submit affidavit letter confirming identification and I went to notary office and did what they asked me to do.

7. It has been more than a month since I sent them affidavit letter and I still can't have access to my account and I recently found out they just closed my account without letting me know.

8. They are still holding my money illegally and I am really frustrated now and really need CFPB 's help to get my money back.
Product: Credit reporting or other personal consumer reports

A few years I was a victim of ID Theft, It was proven that my Identity was misused for fraudulent purposes and goods and services were obtained. I reported it the the authorities and launched an investigation and concluded that the accounts were not mine. I submitted documents to the credit reporting agencies several times. They were not willing to help me resolved the issues. I contacted the creditors on my own and they concluded that the accounts did not belong to me. But XXXX refused to help me. Instead they were ok with reporting erroneous information to my credit profile. I am asking again for the accounts deleted from my credit report. 

XXXX XXXX opened XX/XX/XXXX balance : {$1200.00} XXXX XXXX XXXX XXXX opened XX/XX/XXXX balance : {$17000.00} -XXXX  XXXX opened : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Contacted Chase bank regarding a wire transfer to a false account. They refused to check the account or give me any information of it's validity.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this listed Agency ask for proof of validation. It's been more than 30 days and no response. I have no knowledge as to why this company is appearing on my report. I have informed them they are reporting non accurate information that is very harmful and at this point offensive. 

Account Name : XXXX/XXXX XXXX  Account Number : XXXX Account was opened : XX/XX/2020 Account Balance : {$620.00}
Product: Debt collection

XXXX XXXX XXXX claims I owe XXXX to XXXX XXXX. The policy was supposed to be canceled earlier than it actually was, it appears their rep ( s ) failed to do so when I called on or around Late XX/XX/XXXX/early XX/XX/XXXX. The balance stems from two months of coverage, the months of XX/XX/XXXX and XX/XX/XXXX I  believe. Failing to cancel when instructed is not my error, I refuse to pay this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX  : account # N/A, account name XXXX : account # N/A, account name XXXX XXXX account # N/A, account name XXXX XXXX, account # N/A, account name XXXX XXXX XXXX, account # N/A, has violated my rights. ( List all negative accounts ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can not furnish a 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 of convictions of crimes which antedates the repot by more than seven years.

15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating 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 contacted collection company a few times telling them the debt for XXXX XXXX was paid prior to it appearing on my credit report. 

They have been dismissive even though I have proof debt was paid
Product: Credit reporting or other personal consumer reports

All three letters were mailed certified to the national credit bureaus. reference numbers below : XXXX- Equifax XXXX - XXXX XXXX - XXXX please see the attached letters and please remove the inquiries based on those letters.
Product: Debt collection

Portfolio Recovery called and spoke to my husband on XXXX XXXX 2016. They disclosed all the information about my debt with him. I have never given Portfolio Recovery permission to disclose information to my husband. My husband also does not have a power of attorney. For them to do this it is a violation of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and I found inaccurate or fraudulent inquiries showing within my report. I have completed an FTC/ and police report which was forwarded to the credit bureaus to investigate. I have been continuing to have difficulties with removal.