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

Fraud and ID Theft XXXX ( Saturday ) at approximately XXXX we received an email into our XXXX account notifying her that her account password had successfully been changed XXXX ( Saturday ) at approximately XXXX I called the bank fraud number on the back of my debit card to try and suspend account but I was redirected to " online fraud support '' where I has been on hold for 5 minutes. 
XXXX ( Saturday ) at approximately noon we arrived in the local bank Branch where she was directed to you for support. During this time it was apparent that funds were being removed from our account in real time XXXX ( Saturday ) at approximately XXXX I arrived at the branch. At this point you had already successfully been able to have the account frozen XXXX ( Saturday ) at approximately XXXX Shortly after I arrived you were able to freeze the newly created fraudulent account. At this time approximately $ XXXX had been transferred from our account to the fraudulent account XXXX ( Saturday ) at approximately XXXX you were able to explain to us that it appeared that someone was " co owner '' on an account that was opened in the XXXX Area on XXXX XXXX ( Saturday ) from approximately XXXX / Claim # xxxxxx Identity theft/Claim # xxxxxx XXXX Monday ) morning I talked to you on the phone and you were able to find that the fraudulent account was opened with ID # xxxxx and that a XXXX XXXX XXXX  card had been used for the second piece of ID XXXX Also our old address had been used. 
XXXX ( Monday ) filed a claim with local police Case ID # xxxxx with all the information above XXXX ( Monday ) contacted social security department and froze her information there XXXX ( Monday ) sometime in the morning we visited the local branch to pick up the Identity Theft Declaration of Claimant Form but it was not available at the time XXXX ( Monday ) at approximately 3pm I picked up the Identity Theft Declaration of Claimant Form for us. At this time it was understood that of the $ XXXX that left account XXXX to fraudulent account that approximately $ XXXX was left frozen and that approximately $ XXXX was in pending withdrawal status but the medium of exchange was still not understood. You mentioned that we should know the medium of exchange by the end of business day today. 
XXXX ( Tuesday ) We dropped off the signed letter at the bank certifying that we are the victims of fraud and they faxed that to to the appropriate resource within the bank to start the process of recovering our funds. 
XXXX ( Tuesday ) asked what the form of withdrawal was from the fraudulently opened account that are showing as " pending '' however neither you nor he were able to tell me at this point. 
XXXX ( Tuesday ) we are direct contact with an assigned detective on this case in the XXXX Area and is filing charges against the offender and is willing to travel to XXXX in pursuit of those charges. 

Summary, someone impersonated us then opened a bank account with us on it and transferred funds from our account after they hacked our mail and online banking password.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below. 
XXXX XXXX XXXX XXXX : {$220000.00}
Product: Debt collection

I have an unverified account from PORTFOLIO RC. I had previously disputed this account. I have never done business with PORTFOLIO RC pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that PORTFOLIO RC Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PORTFOLIO RC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

I am writing to formally notify you that I am a victim of a data breach, and my personal information has been fraudulently used. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following account and inquiries be blocked and permanently removed from my credit report : Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

In accordancee with the fair credit reporting act account # XXXX, has violated my rights.

15 U.S.C 1681 section 604 A section 2 : XXXX XXXX states a coonsumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a copies of my credit report from the 2 of the major Credit Reporting Agencies ( XXXX and Trans Union ). There were 2 U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Per the attached, the Bankruptcy Courts emphatically states that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. In this case, they claim to have validated this information through XXXX XXXX. However, per the 2nd attachment, I have a security freeze on my XXXX XXXX account which makes it impossible to validate that this information is correct. I have asked Trans Union to remove this derogatory information from my credit file, yet they have refused. Considering the information indicates a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I submitted a complaint to the credit bureaus over a month ago, yet the incorrect information on my report remains unchanged. I have not received any updates from the bureaus, aside from your notification indicating that the company has addressed my complaint. How can I be assured that they have thoroughly investigated the inaccuracies? What verification methods were utilized to assess the accounts? This situation is extremely frustrating. More than 30 days have passed since my complaint, and the disputed accounts are still not updated. If this persists, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, especially in light of the data breach involving XXXX, XXXX, and TransUnion.
Product: Credit reporting

I had a bankruptcy more than 15 years ago. It has not been taken off my credit report as it should be after so many years.
Product: Credit card or prepaid card

On XX/XX/2019 American Express is trying to commit extortion, buy sending my an email stating that if I don't make a purchase using their card they will close my account which may impact my credit score. to summarize : " We noticed that you haven't used your Account in a while, and unfortunately, your account is automatically scheduled to close soon. As with any change in account status, this closure could impact your credit score. If you'd like to keep your account open, simply make a purchase on your Card by XX/XX/19. " this is the definition of extortion - the practice of obtaining something, especially money, through force or threats.
Product: Mortgage

We refinanced through the HARP program into a 30-year fixed rate mortgage. After a history of paying our mortgage in a timely manner, the company decided to accept payment itself rather than have another company collect payments. When claims of late payment came starting in XXXX, I called and supplied proof that all payments due were made in a timely manner, and received. Nevertheless, they continued to harass us with late payment notices and fees. We allowed them to do automatic deduction from our account to make future payments trouble free while we clarify the history. Though we made the XXXX 2015 payment in XXXX, they took another payment on XXXX XXXX for the XXXX payment. And even though we supplied information again to prove we had paid, they refuse to refund the {$2000.00}. 
Also, I had paid off the year 's insurance and asked them to reduce the monthly amount due because our escrow account need not provide for insurance. Instead, they increased the monthly payment due. I am not sure if we were taken advantage of in this respect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I, XXXX XXXX XXXX initiated a credit builder card approximately one year ago with Amazon under Synchrony Bank a FDIC backed bank. I have paid all balances by the end of each month. However, in XX/XX/2020, I noticed changes in the way that the bank was handling the account. In addition to using this card on the Amazon site, I also used it on XXXX XXXX. However, that is not a concern. The way the account is being handled by Synchrony Bank is the issue. In XX/XX/2020, specifically XX/XX/2020 and XX/XX/2020, I scheduled payments for {$40.00} and {$41.00} to pay off purchases made on Amazon and XXXX XXXX. The purchases were paid in full and I just recently noticed after paying those balances off, I was charged interest in the amount of {$1.00} for a balance of {$0.00} on XX/XX/2020. Then, I received a statement for XXXX, in which I paid but there is no corresponding transaction, and Synchrony Bank agrees, there was no transaction for this amount billed and paid. I paid the amount of known purchase from XXXX XXXX in the amount of {$39.00} on XX/XX/2020 after making the purchase on XX/XX/2020 and the balance should have been {$0.00}. It appears from a statement on XX/XX/2020, the credit card company ( Synchrony Bank ) forwarded a balance of {$39.00} and it was not paid. Known purchases in the amount of {$35.00} for XX/XX/2020, {$1.00} for XX/XX/2020, and {$20.00} for XX/XX/2020 have been scheduled and paid as of XX/XX/2020, XX/XX/2020, and XX/XX/2020. The credit card company, Synchrony Bank after receiving all these payments issued a statement indicating a balance of {$89.00} is owed with no transactions being made since XX/XX/2020 and all of those transactions were paid in full. Per the dispute forms filed, no further payments will be made on disputed amounts of {$89.00} or greater ( which includes any potential fees ( late charges, interest, etc. ) as all transactions not being disputed have been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my understanding how the bill came up to XXXX and something dollars so there 's no way that it should be that amount
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with XXXX about the information thats being furnished on my report without my consent as well as the negative reporting that has caused damage to my life and living circumstances. I am aware that this bureau is in violation of 15 USC 1681 ( a ) ( 4 ) - Infringed upon a Consumers right to privacy as well as 15 USC 1681b ( a ) ( 2 ) - No Permissible Purpose/No written instruction
Product: Debt collection

XXXX   XXXX   XXXX   has added   XXXX   collections in my account for the 3rd time. I have not been to the emergency room at all. This issue was resolved years ago and i also sent information in verifying this was not me. Now here we are again they sold the debt to COMMON WEALTH FINANCIAL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX XXXX  XXXX and Private insurance insurance thru XXXX on my mothers policy however XXXX XXXX is reporting a medical bill in the amount of {$610.00} pastdue. The Date Updated was done on XX/XX/XXXX just because I called and asked about the account. The Last payment made was listed as Last Payment XXXX XX/XX/XXXX however they claim the account was opened on XX/XX/XXXX which means that this account was opened after the last payment was made which makes no sense. Also, the are listing the High Balance of {$440.00} but the past due amount of {$620.00}. XXXX XXXX has placed this item on all 3 of my credit reports and refuse to remove the account even though they never attempted to bill my insurance company. 

Original Creditor XXXX XXXX Past Due {$620.00}
Product: Debt collection

PLEASE READ THE REQUEST BELOW! I HAVE ASKED FOR THIS PREVIOUSLY AND KEEP GETTING INACCURATE INFORMATION AND NOT WHAT I HAVE REQUESTED.

I would like to draw your attention to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e, which outlines the responsibilities of furnishers of information to consumer reporting agencies. This provision emphasizes the duty to provide accurate and complete information and requires furnishers to correct any inaccuracies promptly.

Given the importance of accurate reporting under the FCRA, I believe obtaining the Form 1099-C will assist in ensuring the proper representation of this account on my credit file.

Upon reviewing my records and credit report, I have reason to believe that this debt has been canceled and may have been memorialized with a Form 1099-C. As a result, this debt should not impact my credit report, and there should be no outstanding balance associated with this account. In order to address and rectify any inaccuracies in reporting, I kindly request that you provide me with a copy of the Form 1099-C associated with this account.
Product: Credit reporting or other personal consumer reports

XX/XX/year> ADVANTAGE CREDIT, INC submitted a hard inquiry. 
I did not ask for them to have access to my credit. I don't know what company this is.
Product: Mortgage

I AM ATTEMPTING TO AVOID A FORECLOSURE SALE BY COMPLETING A SHORT SALE TRANSACTION. I HAVE FULFILLED ALL MY OBLIGATIONS IN ORDER TO ACCOMPLISH THIS. CITI MORTGAGE HAS CREATED UNNECESSARY OBSTACLES IN ORDER TO ACCOMPLISH FAILURE. A COMPLETED SHORT SALE PACKAGE WITH A QUALIFIED BUYER WAS SUBMITTED TO CITI MORTGAGE ON XXXX XXXX OF THIS YEAR. CITI DELAYED REVIEW OF THIS PACKAGE FOR A COUPLE OF WEEKS. AFTER THE INITIAL REVIEW, CITI DELAYED PLACING THE FILE IN THE UNDERWRITING DEPARTMENT FOR ANOTHER COUPLE OF WEEKS. THE FILE HAS BEEN WAITING ON UNDERWRITING APPROVAL SINCE XXXX 2015. CITI CLAIMED THAT THE TRANSACTION WAS TAKING TOO LONG - AND IT WAS, BUT CITI CAUSED ALL THE DELAYS - AND SET A SALE DATE FOR XXXX XXXX, 2015. WE HAVE A SALE DATE BECAUSE WE STILL DO NOT HAVE AN UNDERWRITING DECISION, WHICH WAS DELAYED BY CITI MORTGAGE. CITI MORTGAGE ACTION IS CLEARLY UNETHICAL IF NOT UNLAWFUL. MY HOPE IS THAT CFPB WILL ASSIST IN DEMANDING REASONABLE BEHAVIOR AND FINE CITI FOR THEIR INCOMPETENCE.
Product: Student loan

I applied for Public Service Forgiveness with Mohela back in XX/XX/XXXX. I was told to wait 90 days for results. In XX/XX/XXXX, it shows XXXX out of XXXX qualified payments. I have submitted two employment verifications and they are not updated. I have loans dated back to XXXX and Mohela has only verified through XXXX since XXXX of XXXX.
Product: Debt collection

I called I c system regarding XXXX on my credit report i told them numerous times it was not my account they gave me the address that they have on file where the XXXX was installed i never lived there i was not aware my father had service there in my name .My father is now XXXX 4 plus years now so they told me if i send his XXXX certificate they will take it off my credit i mailed my father 's XXXX certificate and it is still on my credit .I have nothing in collection but this account and it is hurting my credit i need this off my credit.
Product: Credit reporting or other personal consumer reports

604 15 us code 1681 B. The identified transactions are not information related to any transaction by me as the consumer ( see attached ) Please remove all non-account holding inquiries over 30 days old Please remove all Fraud Alerts / Security Freezes from my credit profile. Please remove all previous Addresses, Employers and Also Known As Names. The info on my attached ID is accurate. accounts must be removed and if you unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. I demand the following accounts be removed immediately. XXXX. XXXX XXXX XXXX Account Number : XXXX This account is inaccurate, and I am seeking litigation. Delete at once
Product: Checking or savings account

On or about XX/XX/XXXX, I realized that my checking account balance, which is always high, was not adding up. I saw checks being honored for large amounts that I did not write ; they were forged. I reviewed my statements going back and found a total of 66 checks, many for small amounts, that were not signed, not endorsed, illegible, or otherwise obviously not from me. I have been writing checks with this bank since XX/XX/XXXX. They were mostly written to " CASH. '' I went to the bank and filled out 66 Affidavits of Forgery. I was promised an investigation, and given a new account. A week later, I called. I was told the Affidavits were " misplaced. '' Finally I was contacted by an investigator who gave me a phone number to call and a case number. A few days later, I was contacted again by someone who did not give me her number. Over a week passed with no updates, and no refunds to my account ( this adds up to approximately {$10000.00} ). I called the number given and found that it does not work and does not give me the fraud department. I called my bank and was told they could not call the investigator but had to email her to get in contact me -- who knows how long that will be. I have been with this bank, as mentioned, since XX/XX/XXXX. I have lots of money with them. The bank grossly ignored banking regulations and the XXXX in honoring instruments that were defectively filled out and not written by me. Literally, they apparently would honor any check anyone stole from me and filled partially out.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report ( XXXX XXXX Account ) Dear CFPB, I am writing to formally request a detailed description of the investigation process followed by your agencies regarding the disputed information on my credit report, specifically related to the XXXX XXXX account. Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX ( XXXX ), credit reporting agencies are required to provide a description of the investigation within 15 days of receiving a consumer dispute. 
Background and Discrepancies Upon reviewing my credit report, I noticed discrepancies in reporting late payments on the XXXXXXXX XXXX account. According to my records, payments were made on time, yet my credit report inaccurately reflects late payments on the following dates : XXXX : Reports XXXX and XXXX late payments in XXXX and XXXX despite records showing on-time payments. 
Account details show it was closed and " Canceled by credit grantor, '' but these late payments are inaccurately listed in the two-year payment history. 
XXXX : Lists a XXXX late payment for XXXX, XXXX late payment for XXXX and XXXX late payment for XXXX which is incorrect according to the payment records. 
The account status is marked as " XXXX, '' but the late payment notation is not supported by my payment history. 
Equifax : Reflects XXXX, XXXX and XXXX late payments inaccurately for XXXX, XXXX and XXXX. 
Last reported date was XX/XX/year>, with payment status inconsistencies despite timely payments. 
This account has been reported inconsistently across the XXXX bureaus, with payment inaccuracies that conflict with my records. Despite previous disputes, there has been no correction to these discrepancies. 
Request for Investigation and Supporting Documentation I request that your agencies conduct a full investigation into these discrepancies, correct the reporting errors, and update my report to reflect an accurate " Paid As Agreed, Never Late '' status for the XXXX XXXX  account. Please provide a comprehensive description of your investigation process, detailing the procedures followed, as required under the FCRA. 
Additionally, I am requesting that you provide the reasonable procedures used in verifying my account history, including mailing timelines for statements, as stipulated under 15 USC 1666 ( b ) and 15 USC 1637 ( b ). 
Supporting Documentation I have attached the necessary documentation, including copies of my payment history, which demonstrate my adherence to timely payments. In the absence of verifiable proof to support the reported late payments, I expect prompt correction of this account status. 
Conclusion Should the reporting agencies fail to provide proof or correct the inaccuracies, this will be considered a violation of the FCRA. I appreciate your prompt attention to this matter and expect a written response within XXXX XXXX 
Thank you for your cooperation in maintaining accurate reporting standards. 
Sincerely, XXXX XXXX XXXX