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

I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. Experian Information Solutions , Inc. , XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXX XXXX, XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im filing this complaint because Equifax reported this unauthorized account : XXXX XXXX ( Account # XXXX ), and despite multiple disputes, it has not been removed. Under 15 U.S. Code 1692j, its illegal to furnish deceptive forms and credit reporting agencies are required to ensure the accuracy of reported information ( XXXX XXXX XXXX XXXX XXXX ). Ive asked for proof that this account is valid, such as the original contract or signed agreement but XXXX has failed to provide anything. This is my third request, and their lack of response is a clear violation of federal law, which requires a resolution within 30 days ( 15 USC 41, et seq. ). I remind you of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) establishes that credit reporting agencies may be liable for failing to follow reasonable procedures to ensure accurate reporting. It should not be on my credit report if they can't verify the account. I need this account removed immediately, and I expect written confirmation once its resolved. Willful non-compliance may further expose you to legal consequences
Product: Credit card or prepaid card

On XX/XX/19 I received an email of a balance transfer in the amount of {$20000.00} on my credit cart, On XX/XX/19 I called card company and reported that said charge/balance transfer was not correct and blocked use of said card, was told I have a response in 3 days XX/XX/19. Called again, no action had been taken XX/XX/19 - Received email that no Fraudulent Activity found XX/XX/19 - called card company again at XXXX XXXX, requested info as to when and how this transaction was originally initiated and approved/moved forward. To date no info received. 

XX/XX/19. Called card company again and requested same info above XX/XX/19. Called XXXX and put fraud alerts on accounts XX/XX/19. Called card company again - 40 minute call no results XX/XX/19. Sent Certified Mail to card company, no response to date XX/XX/19. Called card company again, was told still being investigated - 26 minute call XX/XX/19. XXXX ( employee # XXXX ) from card company called about collecting debt?
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted method of verification letters dated XX/XX/2020 to each credit reporting agency ( Equifax, XXXX, and XXXX  ) regarding XXXX/XXXX  after they stated it was verified/accurate, but I never got a response from any of the CRAs. I have disputed this inaccurately reported item several times and I dont think they are investigating this issue at all. They are only sending an auto response just to satisfy an investigation.
Product: Checking or savings account

Ive had an open dispute with Citibank disputing charges from XX/XX/24, and as of this week I have another. On XXXX I got an email alert from Citibank telling me my acct was XXXX. I called the bank and spoke to manager named XXXX who told me that due to an error, there were duplicate transactions pending one for {$490.00} and one for {$200.00} ( which were already processed ) also I had to returned items one for {$42.00} and one for {$55.00} and later on a {$200.00} charge returned for no rhyme or reason whatsoever. XXXX assured me and that it was a mistake and would be cleared up. However, that never happened. I never got {$1.00} back from them instead they chose to change around the transaction history and not even include in my bank statements I was ever even negative. Since this happened my credit score went down XXXX points, I was Denied a credit card due to the {$200.00} being the payment. And Now again this month I go to pay my rent on the which is XXXX and its returned 7 days later, however, instead of Citibank using the return funds to cover other transactions, they decided to continue to put me into the negative so that when they were turned back the funds I was still negative and never got back any money. Now I owe over {$500.00} due to the returned funds. Im at my wits end, im XXXX, I live off of XXXX and Im about to get evicted and my electric shut off. The citi respond unit is a joke, theyve been telling me XXXX days since I opened the dispute, and the customer service reps barely speak XXXX and when they cant answer a question correctly, they hang up on you. I had to go line by line and try to figure out everything that Citibank did and changed on my transaction history as well as my statements and as of now they owe me well over {$1000.00}. I need this money. I am in XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA XXXX ( XXXX XXXX XXXX XXXX XXXX ), that Equifax block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX - Opened XX/XX/XXXX with a balance of {$2700.00} XXXX XXXX XXXX - Opened XX/XX/XXXX with a balance of {$10000.00} XXXXXXXX XXXX XXXX Opened XX/XX/XXXX XXXX a balance of {$380.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX with a balance of {$140.00} XXXX XXXX XXXX - Opened XX/XX/XXXX with a balance of {$0.00} There are also fraudulent addresses which I do not recognize as reported which is : XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint XXXX  XXXX, as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I am requesting that the following accounts and inquiries be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened or reported as a result of unauthorized access to my personal information and should be removed immediately. 
ACCOUNTS TO BE BLOCKED AND DELETED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Barclay , XXXX and XXXX are not updating this balance correctly on my credit card. I would like for this cc to be updated with a XXXX balance
Product: Mortgage

Seterus held 3 months ( XXXX - XXXX of XXXX ) mortgage payments in a suspended account while they processed the " Keep Your Home CA '' funds for the purpose of completing the recast aggreement. This took them 6 months to complete. During this time I received Foreclosure Warnings on a weekly basis and my credit score dropped over XXXX points. They reassured me that when the recast agreement was completed that this would be corrected and the funds held in the suspended account would be applied. The recast agreement had the wrong escrow balance but they threatened me that if I did not sign it as is that they would return the funds. Now my credit report continues to display that I am 30-90 days late on my XXXX and XXXX payments and displays ND for the months XXXX through XXXX XXXX I made my XXXX payment but they applied this to my Principle saying I am not due until XXXX to make the next payment. They have not sent me a statement showing that they applied this payment to my pronciple although I have requested XXXX. I put in a dispute with XXXX and Seterus responded the first time stating that I had foreclosed on the loan. The second response to the next dispute was that I was late on XXXX and XXXX payments and No Data on the following months through XXXX of XXXX
Product: Vehicle loan or lease

I actually handled farther than the options. My vehicle was repossessed on XXXX by Wells Fargo who hired XXXXXXXX XXXX XXXXXXXX XXXX XXXX, they left driving my vehicle. I paid my loan off on XXXX and retreived my car on XXXX. When they got my car it had XXXX miles to empty but when I got it back it was on empty. My floor mats were gone, there was a lot of trash, liquor bottle, cigarette butts, dog hair, muddy paw prints and mud in the carpet. I called Wells Fargo immediately, who requested evidence. I provided all documentation & proof. Photos from the Towing company at time of pick up showing a clean vehicle & photos when I picked it up showing mats gone and gas hand empty and all the trash. How can they legally drive my vehicle on my tags and insurance?? And who compensates for the missing floor mats. Wells Fargo states there is nothing they can do to help me and they dismissed my case. Please advise how this is fair and legal to a consumer who has worked hard and struggled to pay for a vehicle for their Towing company to trash. 
Thank you for your time and attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. Section 611 XXXX a ), clearly states that a failure to investigate these items for 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the inconvenience and stress you caused me. My information was also impacted by the Equifax Data Breach and may have got to the hands of the wrong person.
Product: Checking or savings account

My account has been locked with available funds for over 2 months I received an email saying that my checking and savings account ( s ) would be closed in 60 days on XX/XX/XXXX. As of XX/XX/XXXX my account was still not closed with a balance of {$990.00}. Then on XX/XX/XXXX my account is still not closed with a balance of {$0.00} with no explanation as to where or what is happening to my money.
Product: Vehicle loan or lease

1. I entered into a consumer credit transaction with Carvana on XX/XX/XXXX for a used car. 
2. On the application page they asked for my personal bank statement and utility bills which they are not supposed to ask for in a consumer credit transaction in which a finance charge is in involved. ( Pursuant to 15 USC 1605 ; the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. ) 3. After I filled the application and got approved, they gave me a date for delivery of the car. 
4. They then sent me an email requesting current bank statement which the bank hasnt yet updated so I couldnt provide. 
5. Because of this they denied me credit and requested more personal financial information without respect to my personal privacy as a consumer. 
6. They pulled my consumer report without a permissible purpose under the Fair Credit Reporting Act. 
7. I dont have an account with them under collection nor review.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to you today to follow up the previous CFPB Complaint I submitted requesting the removal of the fraudulent accoutns and information off of my Credit File. I have read that under the Fair Credit Reporting Act section 605b, As the Credit reporting Agerncies, you are required by Federal Law to remove and deleted any fraudulent accounts and information completely from my Credit File, so please do so. Please remove the following items in accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX Balance {$35000.00} XXXX XXXX Balance {$360.00} XXXXXXXX XXXX XXXXXXXX Balance - XXXX XXXX Balance {$320.00XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance {$520.00} XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$960.00} XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXXXXXX. XXXX, XXXX XXXX XXXX XXXX XXXXInquiry : XXXXXXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX. Please send me copies of proof of verification or any documents bearing my signature to support the claims that the disputed items belong to me. Without these documents, I am requesting that you remove the fraudulent accounts and information off of my Credit File as soon as possible.
Product: Debt collection

On XX/XX/2016 I became a resident at XXXX XXXX, and had an agreement that only required me to stay in my lease for a term of 6 months without penalty on the 1 year lease signed. 
I turned in my keys after 9 months, and later discovered I was billed for the 12 month leased term. This is severely unlawful and prejudicial as its reflects on my XXXX  credit report. XXXX XXXX no longer are in business and was brought over by XXXX XXXX XXXX XXXX. ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

On the XXXX of XXXX, XXXX, I was notified by XXXX of a decline in my credit score. Upon reviewing my account, I discovered that Navient had marked my loan as 60 days overdue. I promptly contacted Navient to rectify this error, as I am no longer legally bound to repay this debt due to the protections afforded to me by the Consent Judgment issued by the state of New Jersey. Despite my explanation, Navients representatives incorrectly insisted that I was mistaken and continued to insist on repayment. 

Throughout our conversation, Navients representatives made false and misleading assertions, claiming that I was ineligible for debt relief because the loan did not meet the necessary criteria, including a lack of seven consecutive missed payments. These claims were not only untrue but also intentionally deceptive. 

According to the Final Consent Judgment, Navient committed to canceling certain private student loans, provided they met one of three specified criteria. My loan falls under Category 3, the Non-Traditional criterion, which includes loans disbursed to borrowers with a FICO score below XXXX at the time of origination for attendance at a public or private non-profit educational institution. 

At the time of my loans origination by Navient, my FICO score was indeed below XXXX, and I was enrolled in a public educational institution, thus qualifying for forgiveness. 
Moreover, Navients official disclosures state that loans are written off after 120 days of delinquency. Contrary to this policy, my credit report indicates that my loan was delinquent for seven months without being charged off. This discrepancy not only demonstrates a failure to adhere to their stated policies but also constitutes a significant misrepresentation in their financial statements regarding their charge-off timeline. 

The combination of Navients falsehoods, misleading statements, and unwarranted demands for payment constitutes a blatant breach of the Final Consent Judgment.
Product: Debt collection

I found on XX/XX/2021 that I am having suddenly 10 collection on my report of something that I have no idea what that about without even contacting me or explaining what that about.
Product: Credit reporting or other personal consumer reports

Fortiva/XXXX  XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX Reporting account closed when the account is open and current and is being paid monthly ; they have failed to report any payments made this year. Therefore, this is inaccurate and must be removed according to 15 USC 1681.
Product: Checking or savings account

I got scammed without my permission with Regions Bank out of my checking account {$2500.00}. I reported the problem with Regions Bank and they started a claim but by the end result was that I authorized the money which I did not. They are protecting and encouraging scammers to scam people hard earned money and Regions Bank is horrible no customer protection or any liability they don't want to be bothered. I am changing banks Regions is no good. STAY AWAY FROM REGIONS BANK.
Product: Credit reporting or other personal consumer reports

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so i may review to see if this account actually belongs to me.
Product: Checking or savings account

I contacted Bank of America via mobile app on XX/XX/, 2019 to advise them I had fraudulent activity on my account on XXXX XXXX, 2019. I advise that the charge was fraudulent inducement from a company that promised products and services that they never provided. My initial attempt was made to the company to try to get my money back but I received a message that the company had been closed permanently and was currently in receivership for an induction order placed on them by the FTC for fradulent inducement, false representations, unfair deceptive acts, and other charges. After speaking to a bank rep via the phone in less than 24hrs I received an email stating my case was closed and the bank was not able to " get into the receiver 's account '' to get my funds back. I called multiple times to let them know that this was fraud and the company is no longer in business and I have only been advised that I can't get my money back because I wired the funds and did not use a check, debit, or credit card. I believe this is unfair after being with a company for more than a decade with the thoughts that I would be helped in protecting my money from lying, deceptive, vultures preying on people looking to create a living and hopefully a little wealth for their families. Bank of America did not offer any help in this matter and I think that all of their consumers should know that this bank is not for its people.