23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

A check from Social Security for XXXX XXXX was deposited into my CitizensBank account on XX/XX/XXXX. They also close my account the same day, but took their XXXX overdraft fee. Ive been trying since then to get the check sent back to me and or Social Security for days now every time I call, they tell me error on their end, they wont let me speak to a supervisor, so Im not sure what else to do. They took the XXXX but kept the remaining balance that was supposed to go into my account to ask if they can re-open the account and put the remaining balance in they told me 7 to 10 days and still nothing I called this morning and basically no answers
Product: Credit reporting

Trans Union is refusing to investigate and remove some accounts from my credit file that do belong to me and correct some accounts that are reporting incorrectly.
Product: Checking or savings account

I opened a checking account with Chase as they were offering a {$200.00} cash back offer. Two days later, before even receiving my debit card or making any transactions on the account, I receive a notification when logging into the Chase app saying my account was suspended due to suspicious activity. After calling customer service, they claim the only way for me unlock my account is to visit a Chase branch, which I absolutely will no do during these pandemic times. This is an incredibly irresponsible practice by Chase that they've yet to explain the reason for, and they need to be held accountable.
Product: Money transfer, virtual currency, or money service

I initiated an instant transfer from Venmo on Wednesday, XX/XX/XXXX, XXXX. It was supposed to take 30 minutes, at most. It's now been a week, I've contacted Venmo numerous times. They give me a couple codes to provide to my bank but I've talked to multiple people at the bank 3 times now, and they said they don't know why Venmo would ask me to do that, because they can't legally troubleshoot with a third party, which is what Venmo is. Now the customer support at Venmo is saying they're " sorry they couldn't help me further, '' effectively stealing what little money I have to feed my children, and telling me there's nothing further they can do. This is the second time they've stolen hundreds from me in the last several months.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd CFPB complaint informing the Credit Bureaus that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft.

These items are unknown to me. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this Section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

Again, the items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an the identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please correct/fix it. 
XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX XXXX, I am writing in regards to the information incorrectly listed on my file. I am requesting that these items be deleted. The items I am requesting attention on are listed in the report. I am a victim of identity theft and did not make these changes. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> i disputed the accuracy of two Bankruptcy and ask the 3 agency how they validated that the information belong me and ask them to remove and to this day its still being reported om my consumer report.Equifax XXXX and XXXX are violating my rights under rule 15 USC.1681 by reporting information that knowingly and have reasonable verified.1 Under Rule 9037 of the privecy Protection for court filings made with the courts .ALL IDENTIFING markets are redacted unless ordered by the courts.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of fraudulent information from my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ). This request stems from my unfortunate experience as a victim of identity theft, which has resulted in inaccurate and damaging information being reported on my credit profile. Below is a summary of the actions I have taken to address this matter and the persistent issues I continue to face : 1. Discovery of Fraudulent Accounts : After my divorce, which was finalized over a year ago, I discovered that several fraudulent accounts had been opened in my name and were being reported on my credit profile. I confirmed with my ex-husband that he did not open these accounts using my information. 

2. Initial Steps Taken : o In XX/XX/year>, I immediately placed a freeze on my credit account and added a statement to my file indicating that I am a victim of identity theft. 
o I filed a report with the Consumer Financial Protection Bureau ( CFPB ) documenting the fraudulent accounts and also filed a police report to support my claim. 

3. Notifications to Creditors and Credit Bureaus : o In XX/XX/year>, I sent formal letters to XXXX  XXXX and XXXX XXXX, notifying them that I am a victim of identity theft. XXXX XXXX removed the fraudulent accounts from my credit profile. However, XXXX XXXX failed to do so. 
o On XX/XX/year>, I mailed letters to all three major credit bureaus ( Equifax, XXXX, and XXXX ), informing them of my identity theft situation. I included copies of my CFPB report, police report, and the letters sent to the collection agencies. In these communications, I formally requested the removal of the fraudulent accounts from my credit profile under FCRA regulations. 

4. Ongoing Issues : o Despite my efforts, I recently received a notification that another fraudulent collection account was added to my credit report. I disputed this information online with Equifax, providing copies of my police report, CFPB report, and a letter stating that I am a victim of identity theft.

o To my surprise, I received notification from the credit bureau that the debt from a company call The Bureaus was verified as valid. I have never had any dealings with XXXX XXXX  or The Bureaus, yet these accounts remain inaccurately reported on my credit profile.
Product: Mortgage

I was approved for a loan modification in XX/XX/XXXX. In XX/XX/XXXX I received a Notice that my house was in foreclosure. In XX/XX/XXXX I received an email that my account was protected and received the loan documents on XX/XX/XXXX but the return deadline was XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX CRA : Equifax Address : XXXX XXXX XXXX XXXX, GA XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : FRAUDULENT HARD INQUIRY Please be advised that as of { XX/XX/2023 }, as listed on my most recently reviewed consumer report, several fraud/unauthorized are listed. As s reference, please see the below inquiries : XXXX XXXX : Inquired on XX/XX/2023. 
XXXX XXXX XXXX  XXXX XXXX : Inquired on XX/XX/202XXXX XXXX XXXX XXXX XXXX  : Inquired on XX/XX/2023. 
XXXX XXXX : Inquired on XX/XX/2023. 
XXXX XXXX XXXX XXXX : Inquired on XX/XX/2023. 
XXXXXXXX XXXX XXXX XXXX : Inquired on XX/XX/2023. 
XXXX XXXX XXXX : Inquired on XX/XX/2023. 
XXXX XXXX XXXX : Inquired on XX/XX/2023. 

I am, because of this notifying you that neither on those dates nor dates similar did I authorize any individual from the listed company to pull or review my report. Additionally, I have yet to permit EQUIFAX to provide consumers with this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately, my consumer and privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information please remove the inquiries mentioned above within 15 days of receiving this letter. You must report information accurately ; you are not doing that now. I look forward to EQUIFAX resolving this matter with this initial communication. Should you choose to be willfully neglectful regarding my file, I will file a dispute against you in small claims court seeking remedy for said violations. 


XXXX, XXXX XXXX Without prejudice, all-natural inalienable rights are reserved.
Product: Debt collection

Capital one has never notified me of my right to dispute the validity of this alleged debt pursuant to 15 usc 1692g, and they also never disclosed to me that they were a debt collect nor that their communications were an attempt to collect a debt pursuant to 15 usc 1692e. ( 11 )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX account # XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Two unauthorized money transfer of {$200.00} each made from my bank account Company 1 : Taptap Send ( money transfer app I have never heard of or do business with ) Company 2 : XXXX ( my Bank Account ) Date : Transaction 1 : XX/XX/year> -- Amount {$200.00} Transaction 2 : XX/XX/year> -- Amount {$200.00} Called both companies while the transaction status says Pending but both companies did nothing to stop the transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple things on my Credit app`to no avail I request my original signature and to see the documents signed but the three Experian. XXXX andtransunion and none of the have proven anything I'm at the 2 year mark and nothing has been proven or fixed
Product: Debt collection

On XX/XX/year> I filed a dispute with Experian about report # XXXX for {$58000.00} By the Child Support Enforcement. At the time of mentioned dispute I informed the two agencies that according to the Fair Credit Reporting Act ( FCRA ) Section 605B, it is illegal to report information on my credit report without my permission. Furthermore i informed the agencies that Child Support was declared unconstitutional in a Minnesota Supreme Court ruling for violating the seperation of power riquired by the Minnesota Constitution in Article 3 Section 1, and Child Support Agencies actions are also unconstitutional due to lack of Probable Cause. I then instructed Experian to please removed the items from my credit report because I dont consent to the information that is being reported. As a result of this dispute Experian closed the dispute claiming the Child Support Enforcement Agency certified the information without addressing the issues in the complaint nor showing Probable Cause for the actions taken by the Child Support Enforcement Agency.
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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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 or other personal consumer reports

I AM A VICTIM OF XXXX XXXX  AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. 

CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3.

EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS DAYS. 

AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, this incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

My bank card was stolen on late XXXX XXXX early XXXX with a balance in my checking account of {$85.00}. Who ever had the card made a series of fraudulent check deposits on for the amount of {$640.00}. The other for the amount of {$940.00}. I immediately went into the nearest branch and informed them as to what had happened and had the card cancelled and opened a fraud investigation. 
After sometime the bank reversed some of the fraudulent but not the others -- seemingly based on amount. What I would like is the before fraud amount restored to the account ( XXXX XXXX, XXXX NON-CHASE ATM FEE-WITH Fee {$2.00} {$85.00} ) and all other fraudulent activity voided.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : The reason for my dispute is the following accounts : 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 am unable to locate documentation that they complied with these requirements, which is a violation of the FCRA & FDCPA 609,623,611, Section 807 ( 11 ) & FDCPA 809. Under Sec. 809,  they failed to send me my initial communication before placing these alleged items on my credit reports ; further violating the FCRA, these above-mentioned companies are held liable as well for defamation and in the state of OHIO. I fail to see where any of these companies are in compliance with OHIO LAW. I also have reported these accounts to the FTC and XXXX Police Dept. I  need these miscellaneous accounts to be removed from my credit report.
Product: Debt collection

This is what I believe to be construction finance fraud by a private " hard money lender ''. The lender is based in XXXX  State where it is registered as an LLC. It reportedly does business in all 50 states, including XXXX  where it is also registered as an LLC in good standing and where this scam occurred. 
In XX/XX/2019  I contracted with Veristone Capital LLC to provide construction financing for a single family residence near XXXX, XXXX  which I determined to sell. The agreement involved their providing construction funds in the amount of {$450000.00}. My contribution to the project was {$170000.00}. Construction began in XX/XX/2019. Very early on I began to experience difficulty in getting construction funds from them. At one point the excavator/concrete contractor abandoned the job due to funds not being provided and threatened to place a lien on the property. This abandonment ended only after I kept after them to pay the contractor, which they eventually did. Fast forward 2-3 months to when the framing contractor started and also was not paid as promised, threatened to file a lien, abandoned the job for over a month and a half, until I could finally get the lender to pay up. This damaged my working relationship with both contractors. Both contractors told me they had conversations with the lender and both stated they were lied to by the lender. Concrete and framing were both completed, or nearly so by the end of 2019 when the lender again began to slow pay and eventually stopped altogether. by this time lender 's investment totaled approximately {$270000.00}, leaving the project approximately {$190000.00} short. Although the house should have been completed in 9 months we have recently passed the one year mark and the note is due. Insofar as I was not provided the funds to complete the project, I have been unable to finish and sell. My expected profits upon a completed project should have been {$220000.00} to {$270000.00}. There is much email communication from me which memorializes the difficulties I had in getting funds from them and my belief that they never had the funds to begin with. My strongest belief is that they did not have the funds to lend but it is also possible that their intent was to provide only enough funding until they could step in and foreclose because the money lent could not be repaid. Either way, they breached the contract to lend and thereby created a situation to set me up for foreclosure. Although I have a great many emails, I'm attaching some of the more recent to lend support to this complaint. the name of the XXXX  based senior sales representative is XXXX XXXX. My main source of contact after the agreement was entered into is XXXX XXXX, Customer Service Representitive.
Product: Credit reporting or other personal consumer reports

There are XXXX inquiries on my TransUnion credit report that I did not authorize or I did not apply for anything XXXX my name someone is stealing my identity or trying to please remove them inquires please and thanks
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm m
y thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Company : XXXX XXXX XXXX ( LoanCare ) I called XXXX XXXX XXXX ( LoanCare ) in early XXXX, XXXX to request that no hazard insurance payment be sent to our insurance provider because I was evaluating hazard insurance offers and may change carriers. Despite this call, a payment in the amount of {$690.00} was sent to XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX. I had already changed our hazard insurance to XXXX by that time. 

Since then, I have called numerous times to track this payment in order to get the {$690.00} refunded to our escrow account. I have been told a variety of things by XXXX Customer Service and Insurance departments, including three-way calls with XXXX. Things Ive been told include the following : - The payment was sent as part of a bulk check so the check could not be canceled. 
- The payment had not yet been received by XXXX. 
- The payment had been received by XXXX, and it in fact was a bulk check. There were other problems with this bulk payment and it was being returned to XXXX. 
- The payment had been made and signed for by someone at XXXX, but XXXX had no record of it. 

I have also been told every time I call that a supervisor or someone who is researching the issue will call me within 24-48 hours with additional information on how to resolve this. I have never received a call on any of these occasions. 

I sent a written letter to XXXX on XX/XX/XXXX. I received a letter back from them stating that they received it XX/XX/XXXX and were reviewing. 

I dont know whats true at this point, but I do know that the money is not in my escrow account.