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

Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : XXXX XXXX XXXX Reported : XXXX XXXX, 2020 + {$850.00} Closed XXXX/XXXX   Reported : XXXX. XXXX, 2020 + {$0.00} Closed XXXXXXXX XXXX XXXX XXXX Reported : XXXX XXXX, 2020 + {$0.00} Closed XXXX XXXX XXXX XXXX XXXX XXXXXXXX Last reported XX/XX/, 2020 AND INQUIRIES As required by FACTA and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely,
Product: Checking or savings account

There are numerous transactions from my chase bank accounts - XXXX XXXX and XXXX 's XXXX XXXX  XXXX. Chase will not stop the transactions or reimburse me for the $ and they refuse to close the accounts. Because I have been compromised and my money taken from me for more than a month now, I want to close my cd with no penalty and be reimbursed for the interest on my credit card. 

The people at the XXXX XXXX chase bank are completely inept. At XXXX chase they told me to not come back and would not close the accounts. At XXXX XXXX, I sent a certified letter and they would not even open up a claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Accounts : XXXX, and XXXX has violated my rights! 

15 U. S. C. 1681 section 602 A states that I have the right to privacy.

15 U. S. C. 1681 section 604 A Section 2 : Also states a consumer reporting agancy can not furnish anaccount without my written instructions.
Product: Money transfer, virtual currency, or money service

My account was restricted because I was trying to send cryptocurrency however since this had occurred I had called Robinhood on several occasions with little to no success. I currently have {$23000.00} in my account and I do not this money for an emergency but they refuse to transfer my funds. Someone had contacted me by email asking to upload a bank statement but Robinhood app wont allow it nor even login from a computer. I had even ask them if my account is restricted with cant I access my funds this has nothing to do with the restriction thats on my account.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( I ) clearly states that transactions between the consumer and the person/corporation making the report is NOT included in the consumer reports. Yet Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( I ) on a consumer report is clear violation of the XXXX XXXX compliance. Provide me with XXXX XXXX compliance disclosure on reporting transactions to a consumer reporting agencies. I need the transactions reporting late, collections/charge off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in collections/charge off status WITHOUT MY PERMISSION and WITHOUT mailing ME A 1099-C Cancellation of Debt. Equifax and the creditors reporting collections/chargeoffs and late payments on my consumer report are in violation under 26 US. 6050P Returns related to the Cancellation of Indebtedness but Certain Entities. If these derogatory account information is not deleted from my consumer report within 30 days, I will be forced to officially file IRS form 3949A : Information Referral and IRS form 211 : Application for Award for Original Information Overview with the Internal Revenue Service against all entities. ALL OF THE FOLLOWING ACCOUNTS TO BE DELETED ARE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX inquires And all student loan accounts
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted an identity theft affidavit to XXXX XXXX to dispute two fraudulent accounts on my credit report : 1. XXXX  XXXX XXXX- {$180.00} ( Account ending in XXXX ) 2. XXXX XXXX XXXX  XXXX XXXX - {$300.00} Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, consumer reporting agencies are required to block fraudulent information within four business days of receiving the following : 1. Proof of identity, 2. An identity theft affidavit, 3. Identification of the fraudulent accounts, and 4. A statement affirming the items are fraudulent. Despite submitting all required documentation on XX/XX/year>, XXXX XXXX failed to block or remove these fraudulent accounts. On XX/XX/year>, they completed my dispute and provided me with a result from XXXX, but they failed to address or remove the two fraudulent accounts on my screening report. This failure to comply with federal law has caused significant harm. XXXX XXXX provided this inaccurate screening report to the apartment community I applied to, resulting in a delay in my approval and preventing me from moving into my new residence as planned on XX/XX/year>. This delay has disrupted my housing situation and created further financial and personal hardship. I request that XXXX XXXX immediately comply with the FCRA by : 1. Removing or blocking the fraudulent accounts from my file, and 2. Providing written confirmation of the corrected information to me and any third party that received the inaccurate screening report. 


XXXX - Reporting Public Bankruptcy three times. All bankruptcy being reoprted do not belong to me and need to be removed. Please provide me with an transcript in to your investigation.
Product: Mortgage

Hello, What is the reason a XXXX looks at 2 year history of employment .... 

... how likely it is that you'll continue to make that amount of money. And many are paying more attention to your current employer. 

Ok, so if this is the case, why would you deny me a loan in which you approved on XX/XX/2021. Now on today XX/XX/XXXX after sending a letter of why I had an employment gap, notating that I have XXXX. All of a sudden I am denied? I will be taking this issue further in legal pursuits. I feel discriminated against. I informed you all before you took another jab at my credit scorXXXX. Now how can I find another suitable XXXX? It should have been a simple no, but as soon as I mentioned XXXX, my loan was denied and closed. 

XXXX XXXX XXXX XXXX delivered the news in a very unprofessional manner. He said the phone conversation was recorded, so please listen to it. I will continue to email every person within this company until I receive a proper explanation. Attached is the letter I sent yesterday. You tell me where you felt I was to be denied reasonably. Thank you all for your time. And if you know of any other important contact names that I should be aware of, feel free to email me and let me know. Otherwise, please forward to direct personal.
Product: Credit card or prepaid card

I was alerted to fraudulent charges made to my Chase credit card account in XX/XX/XXXX. Later that month, I discovered additional charges made to XXXX that I had not made and identified were connected to the additional fraud attempts on my card. I notified Chase and they removed the charges. 

In XX/XX/XXXX, I noted that the charges had been rebilled to my account. I reached out to Chase who asked that I contact XXXX/provide screenshots of my purchase history. I forwarded an email from XXXX confirming that I had not made a purchase from their site since XX/XX/XXXX. 

There were five charges made : XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX, XXXX I was contacted by Chase on XX/XX/XXXX who indicated that this was not sufficient evidence that I had not made these charges and my dispute was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries and information. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Reporting information on a consumer report with out their written consent is identity theft. I did not give anyone written or verbal permission for them to place such information on my consumer report. Because my privacy right have been violated, am demanding the company block and remove accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I needed a loan and just applied for one, unfotunately it was denied from the bank. So I pulled my credit report to see if I could see what the problem was.

I noticed a lot of items in my report were not correct, but somehow ended up on my report- this doesnt make sense to me as they arent accurate.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

I have been hit with almost {$200.00} in overdraft fees f rom BB &amp; T. I payed s ome bills the day before my direct deposit from my employer was deposited only after checking to see if I had any pending deductions. I had no pending deductions showing on my account so I figured with my direct deposit being deposited in a few hours I 'd be safe but when I checked my account the following morning I had been hit with numerous overdraft fees, I called the bank and they said they do n't post all pending deductions daily so that 's why I was charged and there 's nothing they can do because I had  XXXX  overdraft in  XXXX  of    2016 and  they only refund  XXXX  every 24 months.I ca n't afford to pay {$200.00} in overdraft fees when I only make {$300.00} a week, is there anything I can do?
Product: Mortgage

I have sent more than {$40000.00} for a principal reduction on my mortgage, and FIRST CENTENNIAL MORTGAGE co.which is located XXXX XXXX  XXXX XXXX XXXX, in the city of XXXX XXXX, XXXX,,,, did NOT apply the payments to my balance, and was charging me late fees for not making the payments, when I was NOT able to make a regular payment, because of their site was down for maintenance reason, after calling numerous time, finally one of the supervisors of the company told me that the reason they did NOT apply my payment to the balance of my mortgage, was that they were trying to sell my mortgage to a bank or another financial institute, so they can make more money with higher balance on my mortgage, The very first time that I met the representative of FIRST CENTENNIAL MORTGAGE, in the city of XXXX in California, by the name of XXXX XXXX, he promised me that their company does NOT charge any fees or points for this mortgage, so I asked him, then how do you make money? and he replies that we will sell your mortgage for a bank and that how we make our money, at the end of the escrow he charged me more than {$1500.00}, and when I complained he text me ( oh these fees are standard fees ) and never called me back, I am very dissatisfied with this crooked company, but I am stuck with this mortgage, and the company is run very sloppy, I NEED HELP.
Product: Credit card or prepaid card

I recently received a hard inquiry for a credit card from capital one that I did not apply for. 
The Application id # is XXXX Date received : XXXX XXXX And the fraud representative for the company that I spoke with was named XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX, XXXX, and equifax everything that they ask me to send them to show that I was a victim of identity theft
Product: Credit reporting 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 XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 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 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

Over the past 6 months, I have made multiple requests to Transunion to remove my student loan balance which has been forgiven in full. All other reporting companies have complied, but Transunion has refused to even confirm receiving my request. They also have not removed an auto loan which has been shown to have been paid in full for over 5 years under XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}, {$1400.00}, {$380.00}, {$14000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, XXXX XXXX, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$380.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I told XXXX, XXXX, and TransUnion to reinvestigate these accounts all the accounts that were listed in my first claims. however, they stated everything was complete and accurate but on all reports Im not wrong open dates. Dates of last activity are incorrect accounts number are wrong and according to 15 U.S.C 1681i ( 5 ) They are supposed to modify accounts that arent reporting correctly. Ive also stated in the claims, they have violated 15 U.S. C1681 section 602A and 15U.S.C 1681 section 604A and 15 U.S.C1681 section 604A. I have disputed letters Ive send emails, affidavit sent, and invoices have been sent to the collectors as well. I have all reporting all my evidence that I need all documentations all receipts from when everything was mailed and email for my case.
Product: Money transfers

For the past years, I have been using 'MoneyGram online transfer '' to send money to relative abroad. My transactions are random and less than {$1000.00}. I registered my banks accounts with Money gram and the monies are withdrawn from my banks to cover the transactions. Last month, when triying to process a {$94.00} transaction, I got denied that my bank information could not be validated. I called MoneyGram, and was informed that " XXXX '', a third party which safegaurd online transaction needed to validate my information. I called XXXX, provided them with all my accounts information. Was told that it will take a week to update system. Three weeks later, I encountered the same issues. A call to XXXX left me suspect that they have no clues of what is to be approved by their system. They were unable to trace my past moneygram transactions. I have the impression that they wanted to decide when I would send/spend my hard earned money through their service. What is all this about? Who really monitor XXXX??
Product: Money transfer, virtual currency, or money service

I have been dealing with coin base and had them send a fake scam email it worried me so I asked to withdraw my money to my original account and help getting tax forms and help closing the account. I got a generic response and no hope or guarantee of getting my money im just eternally locked out of my account like my money is theres .... No human, no help just the have my money now. Coin base is a scam. I'm scared for my identity and my account and money.
Product: Credit reporting or other personal consumer reports

Equifax, XXXX and XXXX are reporting collection accounts on my credit report from collection companies who are not authorized to collect in the state i reside which is North Carolina. Furthermore these XXXX credit reporting agencies have failed the grave responsibility imposed upon by Congress of the FRCA, 15 USC 1681 Sec. 1681. Congressional findings and statement of purpose ; 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Also, Might, I add the 3 credit agencies have also violated my right to privacy.I believe is in violation of my right to privacy as outlined in the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681.

Specifically, I did not provide written instructions to authorize the reporting of certain information on my credit report.

IN ACCORDANCE TO THE WRITTEN INSTRUCTIONS AS TO WHOM IT RELATES, I DIDNOT PROVIDE WRITTEN INSTRUCTIONS FOR THESE ACCOUNTS TO BE ADDED ONTO MY CREDIT REPORT.

DID YOU THE CREDIT REPORTING AGENCY ENSURE PERMISSIBLE PURPOSES WERE GRANTED BEFORE REPORTING THE ACCOUNTS?

WHAT DOCUMENTS DO YOU HAVE TO SHOW PROOF PERMISSION WAS GIVEN TO REPORT THESE ACCOUNTS? IF NO PROOF CAN BE SHOWN THEN THESE ACCOUNTS ANS RECORDS WERE REPORTED WITHOUT CONSENT.

WHERE ARE THE 3 DISCLOSURES STATING I GAVE PERMISSION FOR THE ACCOUNTS TO BE REPORTED?

NO CONSENT IS IDENTITY THEFT, AS IT RELATES TO PERMISSIBLE PURPOSES.

YOUR COMPANY IS IN VIOLATION OF SEVERAL CONSUMER LAWS.

PER 15 USC 1681 A ( 4 ) RIGHT TO PRIVACY. I DIDNOT GIVE ANYONE PERMISSION TO SELL MY INFORMATION TO A 3RD PARTY.

YOUR AGENCY DIDNOT EXERCISE A GRAVE RESPONSIBILITY TO PROTECT MY PRIVACY AND ESSENTIALLY VIOLATED MY RIGHTS ACCORDING TO 15 USC 1681 A ( 4 ). I DIDNOT PROVIDE ANYONE WITH PERMISSION TO REPORT THIS INFORMATION. AS A CONSUMER THIS IS A FEDERALLY PROTECTED RIGHT TO NOT HAVE THIS INFORMATION DISCLOSED ON MY CREDIT REPORT AND I AM DEMANDING TO HAVE THE FOLLOWING ACCOUNTS AND RECORDS REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

PLEASE REMOVE THE FOLLOWING ACCOUNTS AND PUBLIC RECORDS FROM MY CREDIT REPORT IMMEDIATELY. 

XXXX XXXX XXXX Opened XXXX {$350.00} XXXX XXXX XXXX Opened XXXX {$960.00} XXXX XXXX XXXX Opened XXXX {$3600.00}
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and sent the paperwork I filed with the FTC to the credit reporting agencies and submitted disputes. The disputes were not filed correctly and the paperwork was not attached to the disputes. And I have not gotten copies of the verification process
Product: Vehicle loan or lease

I obtained the loan back on XX/XX/2019 with Consumer Portfolio Services and since have been in contact in XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 and other varies dates indicating that this contract was obtained fraudulently. The car was damaged and possibly rebuilt title and this information was not disclosed to myself. When dealing with the finance company - Consumer Portfolio Services, I have given all the information that clearly shows this was dealer fraud and they will not cooperate.
Product: Money transfer, virtual currency, or money service

My sister and I are beneficiaries from our Parents Trust account. Chase Bank keeps coming up with excuses as to why they can't release the funds. XXXX XXXXk has been most accommodating. Took less than XXXX week to receive the monies. We have been going round and round with XXXX for over a month now, getting nowhere.